French Business Law - French Legislation

Article R312-20 of the French Monetary and Financial Code

November 6, 2023

I. – Without prejudice to the provisions of the fifth and sixth paragraphs of I of article L. 312-20, deposits and assets held in dormant accounts as referred to in article L. 312-19 are deposited, after closure of the accounts, with the Caisse des dépôts et consignations within three months of expiry of the ten-year, twenty-year or three-year periods provided for respectively in 1° and 2° of I of article…

Article R312-21 of the French Monetary and Financial Code

November 6, 2023

The establishments mentioned in the first paragraph of I shall publish the information provided for in II of article L. 312-19 and in the fourth paragraph of I of article L. 312-20 in their annual report or in any other durable document. This information must be easily accessible.

Article R312-22 of the French Monetary and Financial Code

November 6, 2023

I.. – The appropriate disclosure of the identity of account holders provided for in the second paragraph of V of Article L. 312-20 is organised by Caisse des dépôts et consignations on the basis of the information communicated by the institutions mentioned in the first paragraph of I of Article L. 312-19, via a dedicated dematerialised system, in compliance with Law No. 78-17 of 6 January 1978 relating to information…

Article D312-23 of the French Monetary and Financial Code

November 6, 2023

Where a credit institution has not established the rules provided for in the second paragraph of article L. 312-23, or where these rules are not complied with, the persons referred to in that paragraph who have been refused access to the institution’s deposit and payment account services may refer the matter to the Autorité de contrôle prudentiel et de résolution. Such a refusal is deemed to have been made if…

Article D312-24 of the French Monetary and Financial Code

November 6, 2023

The communication provided for in the third paragraph of article L. 312-23 is made within one month for each refusal.

Article D313-1-A of the French Monetary and Financial Code

November 6, 2023

I. – For each of the categories mentioned in the second paragraph of article L. 313-2, the legal interest rate applicable for a given half-year is calculated as follows: 1° For claims by natural persons not acting for business purposes, the legal interest rate is equal to the sum of the rate on the main refinancing operations of the European Central Bank in force two months before the start of…

Article R313-1 of the French Monetary and Financial Code

November 6, 2023

The rules relating to the overall effective rate are set out in Articles R. 314-1 to R. 314-14 of the French Consumer Code, which are reproduced below: “Art. R. 314-1. – The calculation of the overall effective rate is based on the assumption that the credit agreement will remain valid for the agreed term and that the creditor and borrower will fulfil their obligations in accordance with the conditions and…

Article D313-2 of the French Monetary and Financial Code

November 6, 2023

The rules governing the usury rate are set out in articles D. 314-15 to D. 314-17 of the French Consumer Code, which are reproduced below: “Art. D. 314-15 -The average effective rates charged during a calendar quarter by credit institutions for the categories of transactions of the same nature involving similar risks, as referred to in article L. 314-6, are calculated by the Banque de France. The Minister responsible for…

Article R313-3 of the French Monetary and Financial Code

November 6, 2023

The leasing transactions referred to in article L. 313-7 are subject to advertising. This must enable the parties and the assets involved to be identified.

Article R313-4 of the French Monetary and Financial Code

November 6, 2023

For leasing transactions involving movable property, the leasing company shall request publication in the register referred to in Article R. 521-1 of the French Commercial Code, in accordance with the procedures set out in Articles R. 521-1 et seq. of the French Commercial Code, subject to the provisions of this paragraph.

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Regulatory part

Article R312-20 of the French Monetary and Financial Code

Article R312-21 of the French Monetary and Financial Code

Article R312-22 of the French Monetary and Financial Code

Article D312-23 of the French Monetary and Financial Code

Article D312-24 of the French Monetary and Financial Code

Article D313-1-A of the French Monetary and Financial Code

Article R313-1 of the French Monetary and Financial Code

Article D313-2 of the French Monetary and Financial Code

Article R313-3 of the French Monetary and Financial Code

Article R313-4 of the French Monetary and Financial Code

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