FR GVT Consumer Credit Decree

Published on: Feb 25, 2026

On Feb. 20, FR GVT published decree to implement ordinance.

  • FR GVT published Decree No 2026-105 of Feb. 19, 2026 relating to consumer credit.
  • Follows FR GVT Sep. 2025 published Ordinance transposing Dir 2023/2225, #268022.
  • Purpose
  • The decree adopts regulatory provisions necessary for the implementation of the legislative provisions stemming from the Ordinance of Sep. 2025, on consumer credit.
  • It makes amendments to the Consumer Code re the information given to consumers.
  • And to the Monetary and Financial Code on the obligations of loan, payment brokers.
  • Effectiveness
  • The Decree enters into force on Nov. 20, 2026.
  • In Jul. 2026, FR GVT issued Decree 2025-643 amending Decree 2026-105, #307417.
Regulators
FR GVT
Entity Types
Bank; CNSM; IB; MG Orig; MSB
Reference
OG JORF 0043, 2/20/2026; Decree 2026-105, 2/19/2026; Ord 2025-880; CCDII Dir 2023/2225
Functions
Advertising; Financial; Legal; Operations; Product Administration; Product Design; Risk; Sales Practices; Suitability; Technology
Countries
France
Category
State
N/A
Products
Banking; Cards; Loan; Mortgage; Overdrafts; Payments
Rule Type
Final
Regions
EMEA
Rule Date
Feb 20, 2026
Effective Date
Nov 20, 2026
Rule ID
287678
Linked to
Reg. Last Update
Feb 20, 2026
Report Section
EU