The Decree is issued in implementation of Ordinance 2025-880 on consumer credit.
It amends the Consumer Code to clarify the basis for recoverable fees from the borrower in early loan repayment, and concerns credit institutions, finance companies, intermediaries in banking and payment services, non-professional individuals.
It also clarifies fees that are not considered as fees imposed by the lender for the application of the reduction in the total cost of credit, under specific conditions.
Effectiveness
The decree enters into force on Nov. 20, 2026.
Contracts in force on Nov. 20, 2026, shall remain governed by the provisions of the Consumer Code and the Monetary and Financial Code before that date.
Regulators
FR GVT
Entity Types
Bank; CNSM; IB; MG Orig; MSB
Reference
OG JORF 0214, 9/14/2026; Decree 2026-861, 9/12/2026; Ord 2025-880
