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, Baux commerciaux et professionnels, 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, Urbanisme, Procédure civile, Procédure d'appel, Droit pénal

Barreau : Martinique

Adresse : 51 rue Lazare CARNOT 97200 FORT DE FRANCE

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L'ETAT S'INTERESSE DE PLUS EN PLUS AUX COMPTES INACTIFS ET AUX ASSURANCES VIE EN DESHERENCE

Article juridique

Par Me Raymond AUTEVILLE

On se rappelle de la loi n° 2014-617 du 13 juin 2014 relative aux comptes bancaires inactifs et aux contrats d'assurance-vie en déshérence a créé une section 4 dans le chapitre II du titre 1erdu livre III du Code monétaire et financier relative aux comptes bancaires inactifs.

Cette loi a défini les comptes bancaires inactifs en prévoyant des critères et des durées d'inactivité différents selon le type de compte et selon les circonstance et a prévu les délais aux termes desquels les dépôts et avoirs inscrits sur les comptes inactifs doivent être déposés à la Caisse des dépôts et consignations (CDC) (10 ans à compter de la dernière opération ou 3 ans à compter du décès du titulaire du compte) ainsi que les délais aux termes desquels ces dépôts et avoirs sont acquis à l'État (20 ans à compter de la date de dépôt à la Caisse des dépôts et consignations pour les comptes inactifs, 27 ans en cas de décès du titulaire du compte).

Le décret n° 2015-1092 du 28 août 2015 vient préciser les modalités d'application de cette loi.

Le texte prévoit enfin la rémunération des sommes déposées à la CDC.

(D. n° 2015-1092, 28 août 2015 : JO 30 août 2015, p. 15380)