Maître Jean-Paul FOURMONT

Avocat au barreau de Coutances

Compétences : Droit immobilier, Droit de la famille, des personnes et de leur patrimoine, Droit du travail et social, Assurances des particuliers

Barreau : Coutances-Avranches

Adresse : 3 Avenue Maréchal Foch 50150 SOURDEVAL

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Publié le 14/09/2021

Nouvelle proposition de loi concernant les frais bancaires

Article juridique - Droit bancaire et boursier

Par Me Jean-Paul FOURMONT

Nouvelle proposition de loi concernant les frais bancaires

Une proposition de loi a été déposé le 1 er juin pour limiter les frais bancaires.Les frais bancaires seraient de 215 euros environ en 2020.La France serait d'après la proposition de loi ,l'un des pays d'Europe où les frais sont les plus élevés.

La proposition de loi propose en autre d'imposer aux établissements de crédit de proposer à leurs clients en situation de surendettement une mesure de restructuration des crédits au bout de deux incidents.Une modification de l'article L312-1-1 du code Monétaire et financier est envisagée en ce sens.La proposition de loi suggère de plafonner certain frais bancaires.

Il est aussi demandé d'inclure les intérêts ou agios dans l'obligation préalable d'information.

Le Sénateur Maurice Antiste a demandé des précisions sur le calcul des frais bancaires au Ministre des Finances le 18 février 2021,par une question écrite. Il n' a pas reçu de réponse à ce jour.

La Cour de Cassation le 3 février 2021 a rendu un arrêt qui indique:" que le compte bancaire ne peut être débiteur plus de 30 jours calendaires consécutifs,le compte doit redevenir créditeur 24Heures au moins tous les 30 jours.A défaut la banque est autorisée à résilier la convention d'autorisation de découvert".