If the lender or lessor, in breach of the provisions of article L. 313-35 or, in the case of a hire-purchase contract and a lease with a promise to sell, those set out in article L. 313-59, to agree to receive from the borrower or the lessee, or on behalf of one of the latter, a payment or deposit, a cheque or a commercial paper subscribed, endorsed or guaranteed in his favour or to use a direct debit authorisation from a bank or postal account, is punishable by a fine of 300,000 euros.