{"id":10038,"date":"2025-10-08T13:36:46","date_gmt":"2025-10-08T11:36:46","guid":{"rendered":"https:\/\/www.teamwillgroup.com\/?p=10038"},"modified":"2025-10-08T15:55:16","modified_gmt":"2025-10-08T13:55:16","slug":"credit-a-la-consommation-transposition-de-la-directive-europeenne","status":"publish","type":"post","link":"https:\/\/www.teamwillgroup.com\/fr\/actualites\/credit-a-la-consommation-transposition-de-la-directive-europeenne\/","title":{"rendered":"Cr\u00e9dit \u00e0 la consommation : Transposition de la Directive Europ\u00e9enne"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:var(--awb-color3);border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1289.6px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:7% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 27.428571428571%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 27.428571428571%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:7% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 27.428571428571%;margin-left : 27.428571428571%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1 fusion-animated fusion-text-no-margin\" style=\"margin-top:32px;margin-bottom:45px;\" data-animationType=\"slideInUp\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><div class=\"x_elementToProof\" data-ogsc=\"black\" data-ogsb=\"rgb(255, 255, 255)\">\n<p>Le 18 octobre 2023, l\u2019Union europ\u00e9enne a adopt\u00e9 une nouvelle directive (UE) 2023\/2225 sur le cr\u00e9dit \u00e0 la consommation, destin\u00e9e \u00e0 remplacer la directive 2008\/48\/CE. Cette r\u00e9forme s\u2019inscrit dans un double objectif : mieux prot\u00e9ger les consommateurs et adapter le cadre juridique \u00e0 la digitalisation du march\u00e9 du cr\u00e9dit en Europe.<\/p>\n<p>La France a transpos\u00e9 cette directive par l\u2019ordonnance 2025-880 du 3 septembre 2025, introduisant de nombreuses \u00e9volutions dans le Code de la consommation. Ces mesures ont un impact direct sur l\u2019ensemble des acteurs du secteur : \u00e9tablissements de cr\u00e9dit, fintechs, captives automobiles, distributeurs proposant du BNPL, etc.<\/p>\n<\/div>\n<\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-1{margin-top:45px!important; margin-right:0px!important;margin-bottom:45px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-1{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"font-size:36px;margin-top:45px;margin-right:0px;margin-bottom:45px;margin-left:0px;\"><h1 class=\"title-heading-center fusion-responsive-typography-calculated\" style=\"font-family:&quot;Montserrat&quot;;font-weight:700;margin:0;font-size:1em;color:var(--awb-color4);--fontSize:36;line-height:var(--awb-typography1-line-height);\"><strong>Les principales th\u00e9matiques trait\u00e9es par l\u2019ordonnance<\/strong><\/h1><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-2{margin-top:10px!important; margin-right:0px!important;margin-bottom:15px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-2{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"margin-top:10px;margin-right:0px;margin-bottom:15px;margin-left:0px;\" data-animationType=\"slideInUp\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><h1 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><div class=\"x_elementToProof\" data-ogsc=\"black\" data-ogsb=\"rgb(255, 255, 255)\"><b data-ogsc=\"\" data-olk-copy-source=\"MessageBody\">1. Renforcement de l\u2019information pr\u00e9contractuelle<\/b><\/div><\/h1><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion-flex-column fusion-animated\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-mid-of-view\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-2\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\">La directive impose une information renforc\u00e9e avant la signature du contrat de cr\u00e9dit, afin d\u2019am\u00e9liorer la compr\u00e9hension par l\u2019emprunteur des caract\u00e9ristiques essentielles du cr\u00e9dit:<\/p>\n<ul data-editing-info=\"{\">\n<li data-ogsc=\"black\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\" data-olk-copy-source=\"MessageBody\">Format standardis\u00e9 via le document SECCI (Standard European Consumer Credit Information)<\/p>\n<\/li>\n<li data-ogsc=\"black\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Pr\u00e9sentation claire, lisible et accessible, y compris sur supports num\u00e9riques<\/p>\n<\/li>\n<li data-ogsc=\"black\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Lutte contre les interfaces trompeuses (dark patterns)<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-0{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-nested-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-0{width:100% !important;order : 0;}.fusion-builder-nested-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-0{width:100% !important;order : 0;}.fusion-builder-nested-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-3{margin-top:50px!important; margin-right:0px!important;margin-bottom:30px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-3{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"margin-top:50px;margin-right:0px;margin-bottom:30px;margin-left:0px;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><h1 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\"><span data-ogsc=\"black\" data-ogsb=\"rgb(255, 255, 255)\"><b data-ogsc=\"\">2. \u00c9valuation renforc\u00e9e de la solvabilit\u00e9<\/b><\/span><\/p><\/h1><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-1 fusion-flex-column fusion-animated\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-mid-of-view\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-3\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\">L\u2019ordonnance renforce les exigences concernant l\u2019\u00e9valuation de la solvabilit\u00e9 de l\u2019emprunteur :<\/p>\n<ul data-editing-info=\"{\">\n<li data-ogsc=\"black\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Obligation de r\u00e9aliser une analyse de solvabilit\u00e9 syst\u00e9matique et proportionn\u00e9e<\/p>\n<\/li>\n<li data-ogsc=\"black\">\n<div class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Interdiction d\u2019octroi de cr\u00e9dit sans v\u00e9rification pr\u00e9alable<\/div>\n<\/li>\n<li data-ogsc=\"black\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Mise \u00e0 jour obligatoire de l\u2019\u00e9valuation en cas de modification substantielle du contrat<\/p>\n<\/li>\n<li data-ogsc=\"black\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Inclusion explicite des cr\u00e9dits BNPL et mini-cr\u00e9dits dans le champ d\u2019application<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-1{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-nested-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-1{width:100% !important;order : 0;}.fusion-builder-nested-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-1{width:100% !important;order : 0;}.fusion-builder-nested-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-4{margin-top:50px!important; margin-right:0px!important;margin-bottom:30px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-4{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"margin-top:50px;margin-right:0px;margin-bottom:30px;margin-left:0px;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><h1 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\"><span data-ogsc=\"black\" data-ogsb=\"rgb(255, 255, 255)\"><b data-ogsc=\"\" data-olk-copy-source=\"MessageBody\">3. Encadrement du \u00ab\u00a0Buy Now Pay Later\u00a0\u00bb (BNPL), de la LOA et des mini-cr\u00e9dits<\/b><\/span><\/p><\/h1><\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-2 fusion-flex-column fusion-animated\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-mid-of-view\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-4\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\">La directive met fin aux r\u00e9gimes d\u2019exception pr\u00e9c\u00e9demment appliqu\u00e9s \u00e0 certains cr\u00e9dits de faible montant et \u00e0 la LOA :<\/p>\n<ul data-editing-info=\"{\">\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Les dispositifs BNPL et cr\u00e9dits de moins de 200 \u20ac sont d\u00e9sormais pleinement soumis \u00e0 la r\u00e9glementation<\/p>\n<\/li>\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Application des r\u00e8gles du cr\u00e9dit \u00e0 la consommation (information, TAEG, r\u00e9tractation, etc.)<\/p>\n<\/li>\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Objectif : lutter contre le surendettement invisible g\u00e9n\u00e9r\u00e9 par les paiements fractionn\u00e9s dissimul\u00e9s<\/p>\n<\/li>\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">La directive clarifie que la Location avec Option d\u2019Achat entre bien dans le champ du cr\u00e9dit \u00e0 la consommation. Les distributeurs auto et captives financi\u00e8res devront se mettre en conformit\u00e9 sur l\u2019information pr\u00e9contractuelle, le TAEG, la publicit\u00e9 et la solvabilit\u00e9.<\/p>\n<\/li>\n<\/ul>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-2{width:100% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-nested-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-2{width:100% !important;order : 0;}.fusion-builder-nested-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-2{width:100% !important;order : 0;}.fusion-builder-nested-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-5{margin-top:50px!important; margin-right:0px!important;margin-bottom:30px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-5{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"margin-top:50px;margin-right:0px;margin-bottom:30px;margin-left:0px;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><h1 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\"><span data-ogsc=\"black\"><b data-ogsc=\"\" data-olk-copy-source=\"MessageBody\">4. R\u00e9gulation renforc\u00e9e de la publicit\u00e9<\/b><\/span><\/p><\/h1><\/div><div class=\"fusion-text fusion-text-5 fusion-animated\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\">La communication commerciale est d\u00e9sormais encadr\u00e9e de mani\u00e8re plus stricte :<\/p>\n<ul data-editing-info=\"{\">\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Interdiction des messages incitant \u00e0 un recours excessif au cr\u00e9dit (ex. : \u00ab pr\u00eat facile \u00bb, \u00ab sans effort \u00bb)<\/p>\n<\/li>\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Obligation de mentionner le TAEG, le co\u00fbt total et un message d\u2019avertissement sur l\u2019endettement<\/p>\n<\/li>\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Encadrement des incitations financi\u00e8res \u00e0 la souscription (ex. : r\u00e9ductions conditionn\u00e9es)<\/p>\n<\/li>\n<\/ul>\n<\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-6{margin-top:50px!important; margin-right:0px!important;margin-bottom:30px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-6{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"margin-top:50px;margin-right:0px;margin-bottom:30px;margin-left:0px;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><h1 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p class=\"x_elementToProof\" style=\"text-align: left;\" data-ogsb=\"rgb(255, 255, 255)\"><span data-ogsc=\"black\"><b data-ogsc=\"\" data-olk-copy-source=\"MessageBody\">5. Acc\u00e8s et utilisation des donn\u00e9es<\/b><\/span><\/p><\/h1><\/div><div class=\"fusion-text fusion-text-6 fusion-animated\" style=\"text-align:right;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><p class=\"x_elementToProof\" style=\"text-align: left;\" data-ogsb=\"rgb(255, 255, 255)\">Les exigences autour des donn\u00e9es utilis\u00e9es pour l\u2019analyse de solvabilit\u00e9 sont clarifi\u00e9es :<\/p>\n<ul>\n<li style=\"margin-bottom: 20px; text-align: left;\">Usage limit\u00e9 \u00e0 des donn\u00e9es pertinentes, suffisantes et proportionn\u00e9es<\/li>\n<li style=\"margin-bottom: 20px; text-align: left;\">Encadrement strict du recours \u00e0 l\u2019intelligence artificielle et aux d\u00e9cisions automatis\u00e9es<\/li>\n<li style=\"margin-bottom: 20px; text-align: left;\">Obligation d\u2019informer le consommateur sur les traitements algorithmiques utilis\u00e9s<\/li>\n<\/ul>\n<\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-7{margin-top:50px!important; margin-right:0px!important;margin-bottom:30px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-7{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"margin-top:50px;margin-right:0px;margin-bottom:30px;margin-left:0px;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><h1 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\"><span data-ogsc=\"black\"><b data-ogsc=\"\" data-olk-copy-source=\"MessageBody\">6. Formalisation des contrats<\/b><\/span><\/p><\/h1><\/div><div class=\"fusion-text fusion-text-7 fusion-animated\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\">L\u2019ordonnance pr\u00e9cise les \u00e9l\u00e9ments que doivent contenir les contrats de cr\u00e9dit :<\/p>\n<ul data-editing-info=\"{\">\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Pr\u00e9sentation claire du TAEG, co\u00fbt total, dur\u00e9e, \u00e9ch\u00e9ances, frais annexes<\/p>\n<\/li>\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Signature \u00e9lectronique conforme \u00e0 eIDAS<\/p>\n<\/li>\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Accessibilit\u00e9 multi-canal, y compris sur mobile et tablette<\/p>\n<\/li>\n<\/ul>\n<\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-8{margin-top:50px!important; margin-right:0px!important;margin-bottom:30px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-8{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"margin-top:50px;margin-right:0px;margin-bottom:30px;margin-left:0px;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><h1 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\"><span data-ogsc=\"black\"><b data-ogsc=\"\" data-olk-copy-source=\"MessageBody\">7. R\u00e9tractation et remboursement anticip\u00e9<\/b><\/span><\/p><\/h1><\/div><div class=\"fusion-text fusion-text-8 fusion-animated\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><p class=\"x_elementToProof\" style=\"text-align: left;\" data-ogsb=\"rgb(255, 255, 255)\">Les droits des emprunteurs sont renforc\u00e9s :<\/p>\n<ul>\n<li style=\"margin-bottom: 10px; text-align: left;\">Maintien du droit de r\u00e9tractation de 14 jours<\/li>\n<li style=\"margin-bottom: 10px; text-align: left;\">Possibilit\u00e9 de remboursement anticip\u00e9, partiel ou total<\/li>\n<li style=\"margin-bottom: 10px; text-align: left;\">R\u00e9duction proportionnelle des int\u00e9r\u00eats et frais, sauf exceptions justifi\u00e9es<\/li>\n<\/ul>\n<\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-9{margin-top:50px!important; margin-right:0px!important;margin-bottom:30px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-9{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-9 fusion-sep-none fusion-title-text fusion-title-size-one fusion-animated\" style=\"margin-top:50px;margin-right:0px;margin-bottom:30px;margin-left:0px;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><h1 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\"><span data-ogsc=\"black\"><b data-ogsc=\"\" data-olk-copy-source=\"MessageBody\">8. Contr\u00f4le, sanctions et conformit\u00e9<\/b><\/span><\/p><\/h1><\/div><div class=\"fusion-text fusion-text-9 fusion-animated fusion-text-no-margin\" style=\"margin-bottom:30px;\" data-animationType=\"slideInLeft\" data-animationDuration=\"1.5\" data-animationOffset=\"top-into-view\"><p class=\"x_elementToProof\" data-ogsb=\"rgb(255, 255, 255)\">Pour garantir l\u2019efficacit\u00e9 du nouveau cadre, des mesures de contr\u00f4le renforc\u00e9es sont mises en place :<\/p>\n<ul data-editing-info=\"{\">\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Renforcement des pouvoirs de la DGCCRF<\/p>\n<\/li>\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Introduction de sanctions administratives en cas de manquement<\/p>\n<\/li>\n<li data-ogsc=\"rgb(0, 0, 0)\">\n<p class=\"x_elementToProof\" role=\"presentation\" data-ogsc=\"\" data-ogsb=\"rgb(255, 255, 255)\">Possibilit\u00e9 d\u2019injonctions correctives : retrait de publicit\u00e9, suspension temporaire d&rsquo;activit\u00e9\u2026<\/p>\n<\/li>\n<\/ul>\n<\/div><style type=\"text\/css\">@media only screen and (max-width:1024px) {.fusion-title.fusion-title-10{margin-top:45px!important; margin-right:0px!important;margin-bottom:45px!important;margin-left:0px!important;}}@media only screen and (max-width:640px) {.fusion-title.fusion-title-10{margin-top:10px!important; margin-right:0px!important;margin-bottom:10px!important; margin-left:0px!important;}}<\/style><div class=\"fusion-title title fusion-title-10 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-one\" style=\"font-size:36px;margin-top:45px;margin-right:0px;margin-bottom:45px;margin-left:0px;\"><h1 class=\"title-heading-center fusion-responsive-typography-calculated\" style=\"font-family:&quot;Montserrat&quot;;font-weight:700;margin:0;font-size:1em;color:var(--awb-color4);--fontSize:36;line-height:var(--awb-typography1-line-height);\"><strong>Enjeux op\u00e9rationnels pour les professionnels du cr\u00e9dit<\/strong><\/h1><\/div><div class=\"fusion-text fusion-text-10\"><p>Pour les \u00e9tablissements de cr\u00e9dit, les soci\u00e9t\u00e9s de financement, les captives automobiles, les fintechs ou encore les distributeurs proposant des solutions de paiement fractionn\u00e9, cette r\u00e9forme implique un travail d\u2019adaptation non n\u00e9gligeable, notamment sur le plan op\u00e9rationnel et technologique.<\/p>\n<p>Les parcours digitaux devront \u00eatre enti\u00e8rement revus afin d\u2019int\u00e9grer les nouvelles exigences de transparence, d\u2019accessibilit\u00e9 et de lisibilit\u00e9, impos\u00e9es notamment pour les interfaces num\u00e9riques. Les outils d\u2019octroi devront \u00eatre mis \u00e0 jour pour refl\u00e9ter les nouvelles obligations en mati\u00e8re d\u2019analyse de solvabilit\u00e9 : cela concerne tant les r\u00e8gles d\u2019\u00e9ligibilit\u00e9 que la gestion des donn\u00e9es personnelles, notamment lorsqu\u2019elles sont trait\u00e9es de mani\u00e8re algorithmique ou via des mod\u00e8les d\u2019intelligence artificielle.<\/p>\n<p>Les messages publicitaires devront \u00eatre adapt\u00e9s pour respecter les nouvelles interdictions (incitation au cr\u00e9dit facile, incitations financi\u00e8res \u00e0 la souscription\u2026) et int\u00e9grer syst\u00e9matiquement les mentions obligatoires (TAEG, avertissements\u2026). Du c\u00f4t\u00e9 conformit\u00e9 et juridique, un renforcement des contr\u00f4les internes et une mise en conformit\u00e9 documentaire sont indispensables pour r\u00e9pondre aux nouvelles obligations de tra\u00e7abilit\u00e9 et d\u2019auditabilit\u00e9.<\/p>\n<\/div><div class=\"fusion-text fusion-text-11 fusion-text-no-margin\" style=\"margin-bottom:45px;\"><p>Si cette r\u00e9forme marque une \u00e9volution importante dans le cadre juridique du cr\u00e9dit \u00e0 la consommation en Europe, ses impacts sont plus limit\u00e9s en France, o\u00f9 le cadre r\u00e9glementaire \u00e9tait d\u00e9j\u00e0 particuli\u00e8rement exigeant. De nombreuses pratiques impos\u00e9es par la directive \u00e9taient d\u00e9j\u00e0 en vigueur dans le droit fran\u00e7ais, notamment en mati\u00e8re de transparence, de publicit\u00e9 et de v\u00e9rification de la solvabilit\u00e9.<\/p>\n<p>La nouveaut\u00e9 majeure r\u00e9side dans le principe d\u2019harmonisation maximale introduit par la directive 2023\/2225 (CCD II), qui, contrairement \u00e0 la directive de 2008, laisse tr\u00e8s peu de marges de man\u0153uvre aux \u00c9tats membres pour adapter les r\u00e8gles nationales. Cela renforce l\u2019uniformit\u00e9 r\u00e9glementaire au sein de l\u2019UE, mais impose aussi \u00e0 chaque acteur de s\u2019y conformer strictement, sans possibilit\u00e9 d\u2019adaptation locale.<\/p>\n<p>La France a toutefois pr\u00e9vu quelques am\u00e9nagements cibl\u00e9s dans sa transposition :<\/p>\n<p>\u00b7 Une exemption pour les cartes \u00e0 d\u00e9bit diff\u00e9r\u00e9, qui ne seront pas soumises aux m\u00eames obligations que les autres cr\u00e9dits \u00e0 la consommation<\/p>\n<p>\u00b7 Un all\u00e8gement des informations pr\u00e9contractuelles pour les mini-cr\u00e9dits, afin de ne pas freiner leur distribution tout en maintenant une protection minimale<\/p>\n<p>Les professionnels doivent d\u00e8s \u00e0 pr\u00e9sent anticiper les prochaines \u00e9tapes r\u00e9glementaires, notamment les d\u00e9crets d\u2019application \u00e0 venir, tout en lan\u00e7ant les chantiers internes n\u00e9cessaires pour s\u00e9curiser leur conformit\u00e9 dans ce nouveau cadre juridique.<\/p>\n<\/div><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row fusion-flex-align-items-flex-start\" style=\"width:104% !important;max-width:104% !important;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-3 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-3{width:50% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-nested-column-3 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-3{width:50% !important;order : 0;}.fusion-builder-nested-column-3 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 3.84%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-3{width:100% !important;order : 0;}.fusion-builder-nested-column-3 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-4 fusion_builder_column_inner_1_2 1_2 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-12\"><p style=\"text-align: right; padding-left: 40px; padding-top: 30px;\"><strong><span data-olk-copy-source=\"MessageBody\">Olivier Kaeppelin, <\/span><span data-olk-copy-source=\"MessageBody\">Partner<\/span><\/strong><\/p>\n<\/div><div style=\"text-align:right;\"><style>.fusion-imageframe.imageframe-1{ margin-right : 32px;}<\/style><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"190\" height=\"190\" alt=\"Olivier K\" title=\"Olivier K\" src=\"https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2023\/02\/Olivier-K.png\" class=\"img-responsive wp-image-5441\" srcset=\"https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2023\/02\/Olivier-K-66x66.png 66w, https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2023\/02\/Olivier-K-150x150.png 150w, https:\/\/www.teamwillgroup.com\/wp-content\/uploads\/2023\/02\/Olivier-K.png 190w\" sizes=\"(max-width: 190px) 100vw, 190px\" \/><\/span><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-nested-column-4{width:50% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-nested-column-4 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 3.84%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 3.84%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-nested-column-4{width:50% !important;order : 0;}.fusion-builder-nested-column-4 > .fusion-column-wrapper {margin-right : 3.84%;margin-left : 3.84%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-nested-column-4{width:100% !important;order : 0;}.fusion-builder-nested-column-4 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:86% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 2.2325581395349%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 2.2325581395349%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-1{width:86% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 2.2325581395349%;margin-left : 2.2325581395349%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-2{width:7% !important;margin-top : 0px;margin-bottom : 20px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 27.428571428571%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 27.428571428571%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-2{width:7% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 27.428571428571%;margin-left : 27.428571428571%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:100% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 0px;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":18,"featured_media":10096,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[28],"tags":[202,190,201,199,203,198,200,172,197,191,192,193,195,194,196],"class_list":["post-10038","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insights","tag-bnpl","tag-captivesautomobiles","tag-ccdii","tag-conformite","tag-credit-2","tag-digitallending","tag-directiveeuropeenne","tag-financement","tag-legalwatch","tag-lld","tag-loa","tag-ordonnance","tag-solvabilite","tag-teamwill","tag-ux"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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