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Section 3: Pre-contractual information for borrowers

Article L312-12 of the French Consumer Code

Prior to the conclusion of the credit agreement, the creditor or credit intermediary shall provide the borrower, in the form of an information sheet, on paper or on another durable medium, with the information required to compare different offers and enabling the borrower, taking into account his preferences, to clearly apprehend the extent of his commitment. The list and content of the information to be included in the information sheet…

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Article L312-13 of the French Consumer Code

At the borrower’s request, if the creditor is prepared to grant the borrower credit, the creditor shall provide, free of charge, in addition to the information referred to in Article L. 312-12, a copy of the contract offer on paper or any other durable medium. Any additional information that the lender wishes to give the borrower is provided in a document separate from the sheet referred to in article L….

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