The Ordinance contains the coordination and adaptation measures falling within the scope of the law to transpose Dir 2023/2225 on credit agreements for consumers.
For lenders, credit intermediaries, consumers, and supervisory and control authorities.
Changes to the Consumer Code (Code consom.), Monetary and Financial Code (CMF).
Expansion of consumer protection to free credits without any fees or interest but with repayment; mini-credits; loans of less than 3 months with negligible fees; consumer credits between €75,000-€100,000; and lease contracts with an option to purchase.
The transposed directive has strengthened provisions on consumer credit re prohibited advertising, and (pre-)contractual information and credit analysis requirements.
Provision of renegotiation measures to customers in financial difficulty and referral to debt counselling services free of charge, rules on group sales of credit and insurance.
Specification of advisory services, extension of withdrawal, early repayment reduction.
Effectiveness
The ordinance enters into force on Nov. 20, 2026; credit contracts already in force on that date will remain subject to the Code's previous provisions.
In Dec. 2025, FR PRL received bill ratifying consumer credit ordinance, see #278608.
In Feb. 2026, FR GVT published decree to implement ordinance, see #287678.
In Sep. 2026, FR GVT published decree on early loan repayment fees, see #312799.
Regulators
FR GVT
Entity Types
Bank; CNSM; IB; MG Orig; MSB
Reference
OG JORF 0205, 9/4/2025; Rp, Ord 2025-880, 9/3/2025; CCDII Dir 2023/2225; C.consom (FR); CMF (FR); Citation: Ordinance 2025-880;
