On Aug. 24, 2026, FR GVT published Order of Aug. 11, 2026 amending the Order of Oct. 26, 2010 relating to the national file of incidents of repayment of loans to individuals; the order will enter into force on Nov. 20, 2026.
It amends provisions on mandatory and optional consultations; the scope of acts that are considered to be subject to a payment incident reportable to the FICP.
The procedure for recording a payment incident and informing defaulting debtors.
The declaration's terms, content; introduction of art 6-1 on registration of incidents.
On Feb. 20, FR GVT issued loan amending order and CNIL opinion.
Published order of Feb. 17, 2020 amending the order of Oct. 26, 2010 relating to the national file of credit repayment incidents for individuals (FICP) in official gazette.
Plus CNIL deliberation of Jan. 30, 2020 relating to a draft order amending order of Oct. 26, 2010 relating to the file of incidents of repayment of loans to individuals (FICP).
Key Changes
Updated legal references re data protection to take into account introduction of GDPR.
Takes into account operational needs regarding procedures for management of the file.
In particular clarified principle of uniqueness over time of registration with the FICP.
If incident declared on a credit, no other declaration on this same credit can be made.
Obligation to retain the result of the FICP check by establishments or bodies has been replaced by simple proof of this consultation without mention of its result.
Optional check which may take place before the allocation of means of payment must be carried out with a view to identifying people in situations of financial fragility.
Modified and standardized the means of proof of FICP checks produced by establishments or organizations, before the courts, in the event of litigation.
Gives establishments the possibility of being issued, by the Banque de France, a certificate of consultation of the FICP, in cases where this check is compulsory.
Effectiveness
Order came into force on the date of its publication, except for the provisions of 2° of article 5 which come into force on Apr. 1, 2020.
Aug. 2026 Amending Order
On Aug. 24, 2026, FR GVT published Order of Aug. 11, 2026 amending the Order of Oct. 26, 2010 relating to the national file of incidents of repayment of loans to individuals; the order will enter into force on Nov. 20, 2026.
It amends provisions on mandatory and optional consultations; the scope of acts that are considered to be subject to a payment incident reportable to the FICP.
The procedure for recording a payment incident and informing defaulting debtors.
The declaration's terms, content; introduction of art 6-1 on registration of incidents.
Regulators
FR CNIL; FR GVT
Entity Types
Bank; MG Orig; MSB; Servicer
Reference
OG 0196, 8/24/2026; Order 8/11/2026; Rp 2026-029, 3/12/2026; OG JORF 0043, 2/20/2020; Ord 2/17/2020; Op 2020-020, 1/30/2020; Ord 10/26/2020; GDPR Reg 2016/679
