{"texte":{"uid":"PIONANR5L15B2782","legislature":15,"titre":"déshérence retraite supplémentaire","titreLong":"proposition de loi relative à la déshérence des contrats de retraite supplémentaire","dateDepot":"2020-03-24","dossierRef":"DLR5L15N39229","auteurs":[{"id":"PA719798","label":"Daniel Labaronne","qualite":"auteur"}],"cosignataires":[{"id":"PA720298","label":"Émilie Cariou"},{"id":"PA722054","label":"Nadia Hai"},{"id":"PA721542","label":"Marie-Christine Verdier-Jouclas"},{"id":"PA720022","label":"Michel Lauzzana"},{"id":"PA607595","label":"Hervé Pellois"},{"id":"PA720520","label":"Anne-Laure Cattelot"},{"id":"PA643175","label":"Stella Dupont"},{"id":"PA722078","label":"Jacques Savatier"},{"id":"PA719710","label":"Dominique David"},{"id":"PA721150","label":"Alexandre Holroyd"},{"id":"PA643127","label":"Bruno Questel"},{"id":"PA719616","label":"Christophe Euzet"},{"id":"PA721398","label":"Typhanie Degois"},{"id":"PA720854","label":"Stéphane Testé"},{"id":"PA721726","label":"Sereine Mauborgne"},{"id":"PA722268","label":"Martine Wonner"},{"id":"PA702054","label":"Stéphane Claireaux"}],"cosignatairesCount":17,"type":"Proposition de loi","anUrl":"https://www.assemblee-nationale.fr/15/propositions/pion2782.asp","dispositions":{"exposeMotifs":"MESDAMES, MESSIEURS, La présente proposition de loi vise à diminuer le phénomène de déshérence sur les contrats d’assurance de retraite supplémentaire. Plusieurs lois régissent aujourd’hui les obligations des assureurs en termes d’information et de paiement des assurés sur leur contrat d’assurance-vie et donc sur les contrats d’assurance de retraite supplémentaire. Tout d’abord, la loi n° 2014-617 du 13 juin 2014 « loi Eckert » s’est attaquée spécifiquement aux comptes bancaires inactifs et aux contrats d’assurance vie en déshérence mais elle ne s’applique qu’aux contrats qui comportent un terme. Or, l’une des particularités des contrats d’assurance de retraite supplémentaire est qu’ils ne comportent généralement pas de terme. Ensuite, loi relative à la transparence, à la lutte contre la corruption et à la modernisation de la vie économique « loi Sapin II » a instauré une obligation spécifique d’information des assurés au moment de leur départ à la retraite ce qui ne résout pas le problème des contrats sans terme. Enfin, la loi Pacte et son article 71 a amené ́ de nouvelles dispositions pour améliorer la situation des retraites supplémentaires en proposant notamment la portabilité ́ des produits d’épargne retraite ce qui pourrait entraîner le transfert de certains contrats actuellement en stock vers de nouveaux types de contrat. Pour les contrats d’assurance de retraite supplémentaire, la sortie en rente viagère pourrait être – sous condition – versée en capital, avec une pos","articles":[{"num":"1er","extrait":"I. – L’article L. 161-17 du code de la sécurité sociale est ainsi modifié : 1° LeVI est ainsi modifié : – au premier alinéa, les mots : « par le » sont remplacés par les mots : « aux I à V du » ; – au troisième alinéa, la première occurrence du mot : « au » est remplacée par les mots : « aux I à V du » ; 2° Il est inséré un VII ainsi rédigé : « VII. – Toute personne a le droit d’obtenir gratuitement un relevé de sa situation individuelle au titre des produits d’épargne retraite auxquels elle a souscrit au cours de sa vie. Le service en ligne mentionné au III lui donne accès à tout moment à ce relevé actualisé. « Les gestionnaires de ces produits adressent par voie électronique au moins une fois par an au groupement mentionné au premier alinéa de l’article L. 161-17-1 les informations permettant de produire le relevé actualisé. Il est créé un répertoire dédié à la gestion de ces informations. « Pour assurer les services définis au présent VII, les gestionnaires sont autorisés à collecter et conserver le numéro d’inscription au répertoire national d’identification des personnes physiques des personnes concernées, dans des conditions définies par décret en Conseil d’État, pris après avis de la Commission nationale de l’informatique et des libertés. « Les gestionnaires assurent le financement des moyens nécessaires au développement des outils informatiques et des échanges d’information avec le groupement mentionné au premier alinéa de l’article L. 161-17-1, dans les conditions prévues par une convention négociée entre ce groupement et les représentants professionnels de ces gestionnaires. Cette convention précise la liste des informations adressées au groupement mentionné ci-dessus permettant de produire le relevé. « Les gestionnaires concernés par le présent VII sont définis à l’article L. 224-8 du code monétaire et financier. « Un décret en Conseil d’État définit la liste des produits d’épargne retraite concernés. Les dispositions prévues au présent article sont mises en œuvre au plus tard dix-huit mois après la publication. » II. – Le deuxième alinéa de l’article L. 161-17-1 du même code est complété par une phrase ainsi rédigée : « L’union assure le pilotage et la mise en œuvre des dispositions prévues au VII de l’article L. 161-17. » TITRE II FACILITER LA PRISE DE CONNAISSANCE PAR LES ASSURÉS DES CONTRATS DE RETRAITE SUPPLÉMENTAIRE POSSÉDÉS"},{"num":"2","extrait":"I. – Dans le cadre de ses activités ordinaires de communication, le groupement mentionné au premier alinéa de l’article L. 161-17-1 du code de la sécurité sociale met en place une campagne de communication sur les actions mentionnées aux I à IV et au VII de l’article L. 161-17 du même code et au deuxième alinéa de l’article L. 161-17-1 dudit code, au plus tard six mois après la mise en œuvre des nouvelles fonctionnalités du site Info Retraite mentionnées au VII de l’article L. 161-17 du même code. II. – La dépense résultant de la présente loi pour le groupement mentionné au premier alinéa de l’article L. 161-17-1 dudit code est compensée à due concurrence par une hausse des contributions de ses membres aux moyens du groupement concernant les tâches d’intérêt commun effectuées par le groupement, comme prévu par sa convention constitutive du 7 novembre 2014. La hausse des charges résultant de ces contributions supplémentaires pour les organismes chargés de la gestion d’un ou de plusieurs régimes légalement obligatoires de retraite et les services de l’État signataires de la convention constitutive du groupement est compensée à due concurrence par la création d’une taxe additionnelle aux droits prévus aux articles 575 et 575 A du code général des impôts."},{"num":"3","extrait":"Au premier alinéa de l’article L. 1234-20 du code du travail, après le mot : « versées » sont insérés les mots : « et des contrats de retraite supplémentaire éventuellement souscrits par le salarié dans le cadre de l’entreprise »."}],"pdfUrl":"https://www.assemblee-nationale.fr/dyn/15/textes/l15b2782_proposition-loi.pdf","pdfPages":null},"dispositionsVersion":6},"stade":{"cle":"intermediaire","etiquette":"Lecture intermédiaire","phrase":"Ce dossier est devenu la loi, promulguée le 26 février 2021, mais ce texte n'en est qu'une étape : la loi peut en différer.","garde":"Ce résumé décrit cette étape du texte. La loi promulguée peut en différer.","final":"PIONANR5L15BTA0569"},"linkedScrutins":[{"id":"VTANR5L15V3428","titre":"l'ensemble de la proposition de loi relative à la déshérence des contrats de retraite supplémentaire (deuxième lecture).","date":"2021-02-17","sortCode":"adopté","pour":82,"contre":0,"abstention":2}],"hasEnjeu":true,"hasDisp":true,"hasVotes":true,"hasOu":true,"themeLabels":{"retraites":"Retraites"},"themesTexte":["retraites"],"nAmdtDeposes":40,"amdtIdx":{"dossierRef":"DLR5L15N39229","leg":15,"counts":{"total":40,"Retiré":7,"Irrecevable":2,"Rejeté":10,"Adopté":19,"Tombé":1,"Non soutenu":1},"stades":{"commission":18,"seance":22},"organes":[{"prefixe":"AN","label":"Séance publique"},{"prefixe":"CION-SOC","label":"Commission des affaires sociales"}],"textes":[{"ref":"PIONANR5L15BTC3112","n":19},{"ref":"PIONANR5L15B2782","n":18},{"ref":"PIONANR5L15BTC3885","n":3}],"byGroupe":[{"groupeId":"LAREM","code":"LAREM","couleur":"#702A82","n":18,"adoptes":15},{"groupeId":"UDI_I","code":"UDI_I","couleur":"#94B7E1","n":15,"adoptes":1},{"groupeId":"FI","code":"FI","couleur":"#ED302C","n":3,"adoptes":0}],"divisions":[{"key":"avant-art-premier","label":"AVANT ART. PREMIER","n":1,"adoptes":1},{"key":"art-premier","label":"ART. PREMIER","n":20,"adoptes":13},{"key":"apres-art-premier","label":"APRÈS ART. PREMIER","n":1,"adoptes":0},{"key":"art-2","label":"ART. 2","n":3,"adoptes":2},{"key":"art-3","label":"ART. 3","n":2,"adoptes":2},{"key":"apres-art-3","label":"APRÈS ART. 3","n":5,"adoptes":1},{"key":"art-4","label":"ART. 4","n":2,"adoptes":0},{"key":"apres-art-4","label":"APRÈS ART. 4","n":5,"adoptes":0},{"key":"titre","label":"TITRE","n":1,"adoptes":0}]},"amdtDivisions":{"avant-art-premier":[{"u":"AMANR5L15PO420120B2782P0D1N000008","n":"AS8","no":"8","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"Dans l’intitulé du titre Ier, substituer au mot :\n« via »\nles mots :\n« au moyen d’ »."}],"art-premier":[{"u":"AMANR5L15PO717460BTC3112P0D1N000001","n":"1","no":"1","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","rap":true,"t":"Supprimer l'alinéa 9."},{"u":"AMANR5L15PO420120B2782P0D1N000003","n":"AS3","no":"3","ex":"CION-SOC","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Sophie Auconie","gc":"UDI_I","gk":"#94B7E1","t":"Après l’alinéa 11, insérer l’alinéa suivant :\n« Si le groupement mentionné au VI de l’article L. 161-17-1 ne parvient pas à…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000004","n":"4","no":"4","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Sophie Auconie","gc":"UDI_I","gk":"#94B7E1","t":"I. - Après l’alinéa 9, insérer les trois alinéas alinéas suivants :\n« Si le groupement mentionné au VI de l’article L. 161-17-1…"},{"u":"AMANR5L15PO420120B2782P0D1N000005","n":"AS5","no":"5","ex":"CION-SOC","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Sophie Auconie","gc":"UDI_I","gk":"#94B7E1","t":"Après l’alinéa 11, insérer les quatre alinéas alinéas suivants :\n« Si le groupement mentionné au VI de l’article L. 161-17-1 ne…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000005","n":"5","no":"5","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Sophie Auconie","gc":"UDI_I","gk":"#94B7E1","t":"Après l’alinéa 9, insérer l’alinéa suivant :\n« Le groupement mentionné au premier alinéa de l’article L. 161-17-1 informe…"},{"u":"AMANR5L15PO420120B2782P0D1N000006","n":"AS6","no":"6","ex":"CION-SOC","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Sophie Auconie","gc":"UDI_I","gk":"#94B7E1","t":"Après l’alinéa 9, insérer l’alinéa suivant :\n« Le groupement mentionné au premier alinéa de l’article L. 161-17-1 informe…"},{"u":"AMANR5L15PO420120B2782P0D1N000009","n":"AS9","no":"9","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"À la seconde phrase de l’alinéa 7, substituer au mot :\n« dédié »,\nle mot :\n« consacré »."},{"u":"AMANR5L15PO420120B2782P0D1N000010","n":"AS10","no":"10","ex":"CION-SOC","et":"Retiré","se":"Retiré après publication","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"À la seconde phrase de l’alinéa 9, substituer aux mots :\n« mentionné ci-dessus »,\nle mot :\n« précité »."},{"u":"AMANR5L15PO420120B2782P0D1N000011","n":"AS11","no":"11","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"I. - Supprimer la seconde phrase de l’alinéa 11.\nII. - En conséquence, après l’alinéa 11, insérer l’alinéa suivant :\n« I bis. -…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000011","n":"11","no":"11","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Le Gouvernement","t":"I. - Compléter l’alinéa 6 par la phrase suivante :\n« Il est créé un répertoire consacré à la gestion de ces informations, qui…"},{"u":"AMANR5L15PO420120B2782P0D1N000012","n":"AS12","no":"12","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"À la seconde phrase de l’alinéa 6, supprimer le mot :\n« lui »."},{"u":"AMANR5L15PO717460BTC3112P0D1N000013","n":"13","no":"13","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Le Gouvernement","t":"À la fin de l’alinéa 11, substituer aux mots :\n« définis à l’article L. 224-8 du code monétaire et financier »\nles mots :\n« les…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000014","n":"14 (Rect)","no":"14","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Dominique Da Silva","gc":"LAREM","gk":"#702A82","t":"I. - À la première phrase de l’alinéa 6, substituer aux mots :\n« un relevé de sa situation individuelle au titre des »\nles mots…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000015","n":"15","no":"15","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Dominique Da Silva","gc":"LAREM","gk":"#702A82","t":"Substituer à l’alinéa 14 les deux alinéas suivants :\n« II. - Après le deuxième alinéa de l’article L. 161-17-1 du code de la…"},{"u":"AMANR5L15PO420120B2782P0D1N000016","n":"AS16","no":"16","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"I. - À la première phrase de l’alinéa 9, substituer aux mots :\n« des outils informatiques et des échanges d’information avec le…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000016","n":"16","no":"16","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Dominique Da Silva","gc":"LAREM","gk":"#702A82","t":"I. - A la première phrase de l’alinéa 10, substituer aux mots :\n« négociée entre ce groupement »\nles mots :\n« conclue entre le…"},{"u":"AMANR5L15PO420120B2782P0D1N000017","n":"AS17","no":"17","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"I. - Après l’alinéa 7, insérer l’alinéa suivant :\n« L’ Autorité de contrôle prudentiel et de résolution veille au respect des…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000018","n":"18","no":"18","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Dominique Da Silva","gc":"LAREM","gk":"#702A82","t":"À la première phrase de l’alinéa 7, après le mot :\n« produits »,\ninsérer les mots :\n« , quelle que soit la date de souscription…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000019","n":"19","no":"19","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Dominique Da Silva","gc":"LAREM","gk":"#702A82","t":"Après l’alinéa 8, insérer l’alinéa suivant :\n« Dans le cas où le traitement des informations transmises par les…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000020","n":"20","no":"20","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Le Gouvernement","t":"Supprimer l’alinéa 15."}],"apres-art-premier":[{"u":"AMANR5L15PO717460BTC3885P0D1N000001","n":"1","no":"1","ex":"AN","et":"Irrecevable","se":"Entonnoir (45)","an":"M. Adrien Quatennens","gc":"FI","gk":"#ED302C"}],"art-2":[{"u":"AMANR5L15PO420120B2782P0D1N000013","n":"AS13","no":"13","ex":"CION-SOC","et":"Retiré","se":"Retiré après publication","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"À l’alinéa 2, substituer aux mots :\n« de la présente loi »,\nles mots :\n« du présent article »."},{"u":"AMANR5L15PO420120B2782P0D1N000014","n":"AS14","no":"14","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"À l’alinéa 1, substituer aux mots :\n« site Info Retraite »,\nles mots :\n« service en ligne »."},{"u":"AMANR5L15PO420120B2782P0D1N000018","n":"AS18","no":"18","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"Substituer aux alinéas 2 et 3 l’alinéa suivant :\n« Le financement de la campagne de communication prévue à l’alinéa précédent est…"}],"art-3":[{"u":"AMANR5L15PO717460BTC3112P0D1N000003","n":"3","no":"3","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Cendra Motin","gc":"LAREM","gk":"#702A82","t":"Rédiger ainsi cet article :\n« Le premier alinéa de l’article L. 3341-7 du code du travail est complété par les mots : « ainsi que…"},{"u":"AMANR5L15PO420120B2782P0D1N000015","n":"AS15","no":"15","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"LAREM","gk":"#702A82","t":"Substituer aux mots :\n« le mot : \"versées\" »,\nles mots :\n« la dernière occurrence du mot : \"salarié\" »."}],"apres-art-3":[{"u":"AMANR5L15PO420120B2782P0D1N000001","n":"AS1","no":"1","ex":"CION-SOC","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Sophie Auconie","gc":"UDI_I","gk":"#94B7E1","t":"À titre expérimental, pour une durée de deux ans à compter de la publication de la présente loi, la recherche des bénéficiaires…"},{"u":"AMANR5L15PO420120B2782P0D1N000002","n":"AS2","no":"2","ex":"CION-SOC","et":"Retiré","se":"Retiré après publication","an":"Mme Caroline Fiat","gc":"FI","gk":"#ED302C","t":"Dans le cas où un établissement gestionnaire de retraite supplémentaire défini à l’article L. 224-8 du code monétaire et…"},{"u":"AMANR5L15PO717460BTC3112P0D1N000002","n":"2","no":"2","ex":"AN","st":"Non soutenu","et":"Discuté","se":"Non soutenu","an":"M. Adrien Quatennens","gc":"FI","gk":"#ED302C","t":"Dans le cas où un établissement gestionnaire de retraite supplémentaire défini à l’article L. 224-8 du code monétaire et…"},{"u":"AMANR5L15PO420120B2782P0D1N000004","n":"AS4","no":"4","ex":"CION-SOC","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Sophie Auconie","gc":"UDI_I","gk":"#94B7E1","t":"Une campagne de communication sur les actions mentionnées au deuxième alinéa du II de l’article L. 223-25-4 du code de la…"},{"u":"AMANR5L15PO420120B2782P0D1N000007","n":"AS7","no":"7","ex":"CION-SOC","st":"Retiré","et":"Discuté","se":"Retiré","an":"Mme Sophie Auconie","gc":"UDI_I","gk":"#94B7E1","t":"Au III de l’article L. 312-20 du code monétaire et financier, il est ajouté un 4° ainsi rédigé :\n« 4° Trois ans avant…"}],"art-4":[{"u":"AMANR5L15PO717460BTC3885P0D1N000003","n":"3","no":"3","ex":"AN","st":"Retiré","et":"Discuté","se":"Retiré","an":"Mme Sophie Auconie","gc":"UDI_I","gk":"#94B7E1","t":"Rétablir l’article 4 dans la rédaction 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