Maître Alexis REYNE

Avocat au barreau de Marseille

Compétences : Droit commercial, des affaires et de la concurrence, Droit du numérique et des communications, Droit de la propriété intellectuelle, Droit du sport, Droit des sociétés

Barreau : Marseille

Adresse : 23/25 rue Edmond Rostand 13006 MARSEILLE

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Publié le 25/05/2020

Limitation du devoir de mise en garde : La banque n'a pas à vérifier l'exactitude de la situation financière déclarée par les emprunteurs

Article juridique - Droit bancaire et boursier

Par Me Alexis REYNE

Les Tribunaux exonèrent déjà les établissement de leur devoir de mis en garde lorsque les emprunteurs leur fournissent des renseignements inexacts, sanctionnant ainsi tout comportement déloyale ou de mauvaise foi de la part de ces derniers (Cass. 1ère Ch. Civ., pourvoi n° 08-14.84808-14.848)

Apres avoir rappelé que le devoir de mise en garde n'existe qu'en cas de risque d'endettement excessif de l'emprunteur, la Cour de Cassation vient, dans le prolongement d'une jurisprudence de plus en plus sévère à l'égard des emprunteurs, limiter ce devoir de mise en garde en considérant que le banque n'a pas à vérifier l'exactitude de la situation financière telle que déclarée par les emprunteurs "lorsque le risque d'endettement n'apparait pas au vu de la fiche de renseignement de solvabilité"