Maître Guillaume FRICKER

Avocat au barreau de Saint-Malo-Dinan

Compétences : Droit des garanties, des sûretés et des mesures d'exécution, Droit bancaire et boursier, Droit immobilier

Barreau : Saint-Malo-Dinan

Adresse : 24 AVENUE DE MOKA 35400 ST MALO

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Publié le 10/07/2025

Prêts en devises étrangères : la Cour de cassation impose un contrôle dynamique du risque de change et renforce l’obligation d’information du banquier

Article juridique - Droit bancaire et boursier

Par Me Guillaume FRICKER

Prêts en devises étrangères : la Cour de cassation impose un contrôle dynamique du risque de change et renforce l’obligation d’information du banquier

Civ1, 9 juillet 2025, n° 24-19.647 et n°24-24-18.018

Quand la première chambre civile de la Cour de cassation opère un revirement en matière de protection du consommateur face au risque de change dans les prêts immobiliers libellés en devise étrangère. Désormais, le contrôle du caractère abusif et de la transparence des clauses contractuelles doit tenir compte de l’ensemble des circonstances entourant la conclusion du contrat et de leur évolution prévisible sur toute la durée du prêt. Un revirement qui s’inscrit dans la lignée des exigences européennes et renforce la sécurité des emprunteurs face aux aléas monétaires.

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