Maître Raymond AUTEVILLE

Avocat au barreau de La Martinique

Avocat titulaire d'un certificat de spécialisation en Droit immobilier

Compétences : Droit immobilier, Droit des assurances, Droit de la famille, des personnes et de leur patrimoine, Droit du dommage corporel, Droit de la santé, Droit commercial, des affaires et de la concurrence, Droit du crédit et de la consommation, Mesures conservatoires, Droit du travail et social, Urbanisme, Procédure civile, Procédure d'appel, Droit pénal

Barreau : Martinique

Adresse : 51 rue Lazare CARNOT 97200 FORT DE FRANCE

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Projet de loi portant réforme du crédit à la consommation

Article juridique - Droit bancaire et boursier

Par Me Raymond AUTEVILLE

L'Assemblée nationale a débuté, le 24 mars, l'examen du projet de loi portant réforme du crédit à la consommation, adopté par le Sénat le 17 juin dernier.

Christine Lagarde a rappelé les principaux axes de la réforme :

- obligation pour les banques de vérifier la solvabilité des emprunteurs et de consulter le fichier des incidents de remboursement ;

- encadrement des rachats de crédits ;

- accompagnement des personnes connaissant des difficultés d'endettement (regroupements de crédits, continuité des services bancaires, suspension des procédures de saisie/exécution dès la recevabilité d'un dossier de surendettement, réduction de la durée des procédures de rétablissement personnel, réduction de 10 à 5 ans des durées d'inscription au fichier FICP des incidents de remboursement sur les crédits des particuliers).