Section 4: Explanations provided to borrowers and assessment of their creditworthiness

Before entering into the credit agreement, the creditor checks the borrower’s creditworthiness on the basis of sufficient information, including information provided by the borrower at the request of the creditor. The creditor shall consult the file provided for in article L. 751-1, under the conditions set out in the order referred to in article L. 751-6, except in the case of a transaction referred to in 1 of article L….

Where credit transactions are concluded at the point of sale or by means of a distance communication technique, an information sheet separate from the sheet referred to in Article L. 312-12 is provided by the creditor or credit intermediary to the borrower. This information sheet, drawn up on paper or on another durable medium, includes details of the borrower’s income and expenditure and, where applicable, any current loans taken out…