{"texte":{"uid":"PIONANR5L16B2056","legislature":16,"titre":"Réduction et encadrement des frais bancaires sur succession","titreLong":"proposition de loi visant à réduire et à encadrer les frais bancaires sur succession","dateDepot":"2024-01-16","dossierRef":"DLR5L16N49258","auteurs":[{"id":"PA608172","label":"Christine Pirès Beaune","qualite":"auteur"}],"cosignataires":[{"id":"PA719930","label":"Boris Vallaud"},{"id":"PA642764","label":"Joël Aviragnet"},{"id":"PA643143","label":"Christian Baptiste"},{"id":"PA342415","label":"Marie-Noëlle Battistel"},{"id":"PA794094","label":"Mickaël Bouloux"},{"id":"PA793624","label":"Philippe Brun"},{"id":"PA795762","label":"Elie Califer"},{"id":"PA1008","label":"Alain David"},{"id":"PA793394","label":"Arthur Delaporte"},{"id":"PA795430","label":"Stéphane Delautrette"},{"id":"PA794854","label":"Iñaki Echaniz"},{"id":"PA609332","label":"Olivier Faure"},{"id":"PA333285","label":"Guillaume Garot"},{"id":"PA1567","label":"Jérôme Guedj"},{"id":"PA795828","label":"Johnny Hajjar"},{"id":"PA643192","label":"Chantal Jourdan"},{"id":"PA335054","label":"Marietta Karamanli"},{"id":"PA795156","label":"Fatiha Keloua Hachi"},{"id":"PA774958","label":"Gérard Leseul"},{"id":"PA643157","label":"Philippe Naillet"},{"id":"PA344201","label":"Bertrand Petit"},{"id":"PA794270","label":"Anna Pic"},{"id":"PA607553","label":"Dominique Potier"},{"id":"PA609590","label":"Valérie Rabault"},{"id":"PA342196","label":"Claudia Rouaux"},{"id":"PA774960","label":"Isabelle Santiago"},{"id":"PA340343","label":"Hervé Saulignac"},{"id":"PA793816","label":"Mélanie Thomin"},{"id":"PA608695","label":"Cécile Untermaier"},{"id":"PA794494","label":"Roger Vicot"}],"cosignatairesCount":30,"type":"Proposition de loi","anUrl":"https://www.assemblee-nationale.fr/16/propositions/pion2056.asp","dispositions":{"exposeMotifs":"MESDAMES, MESSIEURS, Cette proposition de loi vise à encadrer les frais bancaires sur successions appliqués par les établissements de crédits teneurs des comptes du défunt, au titre de certaines opérations administratives et des transferts des avoirs aux héritiers. Après un décès, les établissements bancaires abritant les comptes du défunt procèdent à un certain nombre de contrôles débouchant sur des opérations bancaires. Il peut s’agir de la vérification de l’authenticité de l’acte de décès, du gel des avoirs et de leur déclaration à l’administration fiscale, des échanges avec le notaire, de la désolidarisation éventuelle des comptes joints, ou encore du transfert des fonds aux héritiers selon les ordres du notaire. Il est d’usage de facturer ces frais de traitement de la succession couramment appelés frais de succession. À ce jour, les frais bancaires liés à une succession ne font l’objet d’aucune réglementation ni d’encadrement. Librement déterminés par les banques, ils sont, dans les faits, en proie à des variations significatives au gré des établissements : du simple au quadruple à en croire une étude de 2021 conduite par l’association de consommateurs UFC-Que-choisir, avec souvent des montants forfaitaires élevés pénalisant les plus petites successions. Cette dernière estime à 150 millions d’euros les revenus procurés annuellement aux banques par ces frais, pour un montant unitaire moyen de 233 euros. L’Association de défense des consommateurs (ADC) a mis en lumière des","articles":[{"num":"unique","extrait":"Après l’article L. 312-1-4 du code monétaire et financier, il est inséré un article L. 312-1-4-1 ainsi rédigé : « Art. L. 312-1-4-1. – Les frais bancaires et opérations facturés aux comptes de paiement et comptes sur livret des défunts sont en rapport avec les coûts réellement supportés par les établissements de crédit teneurs desdits comptes. Un décret pris sur avis du Comité consultatif du secteur financier détermine les conditions de leur calcul. Lorsque le montant placé sur le compte du défunt est inférieur à 5 000 euros, les opérations bancaires liées à la succession ne peuvent pas faire l’objet d’une facturation. »"}],"pdfUrl":"https://www.assemblee-nationale.fr/dyn/16/textes/l16b2056_proposition-loi.pdf","pdfPages":null},"dispositionsVersion":6},"stade":{"cle":"intermediaire","etiquette":"Lecture intermédiaire","phrase":"Ce dossier est devenu la loi, promulguée le 13 mai 2025, 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":"PIONANR5L17BTA0014"},"linkedScrutins":[{"id":"VTANR5L16V3385","titre":"l'ensemble de la proposition de loi visant à réduire et à encadrer les frais bancaires sur succession (première lecture).","date":"2024-02-29","sortCode":"adopté","pour":112,"contre":0,"abstention":0},{"id":"VTANR5L16V3383","titre":"l'article premier de la proposition de loi visant à réduire et à encadrer les frais bancaires sur succession (première lecture).","date":"2024-02-29","sortCode":"adopté","pour":97,"contre":0,"abstention":0},{"id":"VTANR5L16V3384","titre":"l'amendement n° 18 de M. Dunoyer après l'article premier de la proposition de loi visant à réduire et à encadrer les frais bancaires sur succession (première lecture).","date":"2024-02-29","sortCode":"adopté","pour":96,"contre":0,"abstention":0},{"id":"VTANR5L17V504","titre":"l'ensemble de la proposition de loi visant à réduire et à encadrer les frais bancaires sur succession (deuxième lecture).","date":"2024-12-03","sortCode":"adopté","pour":144,"contre":0,"abstention":0},{"id":"VTANR5L17V503","titre":"l'amendement n° 4 de Mme Pirès Beaune et les amendements identiques suivants à l'article premier de la proposition de loi visant à réduire et à encadrer les frais bancaires sur succession (deuxième lecture).","date":"2024-12-03","sortCode":"adopté","pour":62,"contre":52,"abstention":13}],"hasEnjeu":true,"hasDisp":true,"hasVotes":true,"hasOu":true,"themeLabels":{"fiscalite":"Fiscalité","consommation":"Consommation et protection des consommateurs"},"themesTexte":["fiscalite","consommation"],"nAmdtDeposes":78,"amdtIdx":{"dossierRef":"DLR5L16N49258","leg":16,"counts":{"total":78,"Tombé":26,"Rejeté":4,"Adopté":29,"Retiré":17,"Non soutenu":1,"Irrecevable":1},"stades":{"commission":38,"seance":40},"organes":[{"prefixe":"AN","label":"Séance publique"},{"prefixe":"CION_FIN","label":"Commission des finances"}],"textes":[{"ref":"PIONANR5L16B2056","n":34},{"ref":"PIONANR5L17BTC0632","n":21},{"ref":"PIONANR5L16BTC2204","n":19},{"ref":"PIONANR5L17B0158","n":4}],"byGroupe":[{"groupeId":"RE","code":"RE","couleur":"#61468F","n":15,"adoptes":1},{"groupeId":"LR","code":"LR","couleur":"#4565AD","n":12,"adoptes":2},{"groupeId":"EPR","code":"EPR","couleur":"#7B4591","n":8,"adoptes":4},{"groupeId":"SOC","code":"SOC","couleur":"#F5B4CE","n":8,"adoptes":8},{"groupeId":"LFI-NUPES","code":"LFI-NUPES","couleur":"#E42313","n":7,"adoptes":0},{"groupeId":"SOC-A","code":"SOC-A","couleur":"#DF84B5","n":7,"adoptes":5},{"groupeId":"EcoS","code":"EcoS","couleur":"#77AA79","n":6,"adoptes":6},{"groupeId":"ECOLO","code":"ECOLO","couleur":"#77AA79","n":4,"adoptes":0},{"groupeId":"DEM","code":"DEM","couleur":"#CE5215","n":4,"adoptes":3},{"groupeId":"RN","code":"RN","couleur":"#35495E","n":4,"adoptes":0}],"divisions":[{"key":"art-premier","label":"ART. PREMIER","n":32,"adoptes":18},{"key":"apres-art-premier","label":"APRÈS ART. PREMIER","n":2,"adoptes":1},{"key":"art-2","label":"ART. 2","n":10,"adoptes":7},{"key":"art-unique","label":"ART. UNIQUE","n":33,"adoptes":2},{"key":"apres-art-unique","label":"APRÈS ART. UNIQUE","n":1,"adoptes":1}]},"amdtDivisions":{"art-premier":[{"u":"AMANR5L17PO59048B0158P0D1N000001","n":"CF1","no":"1","ex":"CION_FIN","et":"Retiré","se":"Retiré après publication","an":"M. Daniel Labaronne","gc":"EPR","gk":"#7B4591","t":"I. - Rédiger ainsi le début de la première phrase de l’alinéa 3 :\n« Lors de la clôture des comptes de dépôt, des comptes de…"},{"u":"AMANR5L17PO838901BTC0632P0D1N000001","n":"1","no":"1","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC","gk":"#F5B4CE","t":"I. - À l’alinéa 3, substituer aux mots :\n« Les opérations liées à la clôture des comptes de dépôt, des comptes de paiement »\nles…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000002","n":"2","no":"2","ex":"AN","st":"Non soutenu","et":"Discuté","se":"Non soutenu","an":"M. Fabien Di Filippo","gc":"LR","gk":"#4565AD","t":"À l’alinéa 3, substituer au montant :\n« 5 000 euros »\nle montant :\n« 20 000 euros »."},{"u":"AMANR5L17PO59048B0158P0D1N000002","n":"CF2","no":"2","ex":"CION_FIN","et":"Retiré","se":"Retiré après publication","an":"M. Daniel Labaronne","gc":"EPR","gk":"#7B4591","t":"À la fin de l’alinéa 4, supprimer les mots :\n« , et empêchant la réalisation de ces opérations dans un délai raisonnable »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000002","n":"2","no":"2","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC","gk":"#F5B4CE","t":"À l’alinéa 3, substituer aux mots :\n« du plan d’épargne en actions »\nles mots :\n« des produits mentionnés aux sections 6, 6 bis…"},{"u":"AMANR5L17PO59048B0158P0D1N000003","n":"CF3","no":"3","ex":"CION_FIN","et":"Retiré","se":"Retiré après publication","an":"M. Daniel Labaronne","gc":"EPR","gk":"#7B4591","t":"À la fin de l’alinéa 4, substituer au mot :\n« raisonnable »,\nles mots :\n« de six mois »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000003","n":"3","no":"3","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC","gk":"#F5B4CE","t":"I. - À l’alinéa 3, supprimer les mots :\n« d’aucune nature ».\nII. - En conséquence, à l’alinéa 4, substituer aux mots :\n« d’une…"},{"u":"AMANR5L17PO59048B0158P0D1N000004","n":"CF4","no":"4","ex":"CION_FIN","et":"Retiré","se":"Retiré après publication","an":"M. Daniel Labaronne","gc":"EPR","gk":"#7B4591","t":"À l’alinéa 10, substituer au mot :\n« trois »,\nle mot :\n« six »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000004","n":"4","no":"4","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC","gk":"#F5B4CE","t":"À l’alinéa 10, substituer au mot :\n« trois »,\nle mot :\n« six ».","sid":"VTANR5L17V503"},{"u":"AMANR5L16PO791932BTC2204P0D1N000006","n":"6","no":"6","ex":"AN","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. Florian Chauche","gc":"LFI-NUPES","gk":"#E42313","t":"À l’alinéa 3, substituer au montant :\n« 5 000 euros »\nle montant :\n« 8 000 euros »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000007","n":"7","no":"7","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC","gk":"#F5B4CE","t":"À la fin de l’alinéa 4, substituer aux mots :\n« au nombre des comptes et des produits d’épargne à clôturer, à la constitution de…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000008","n":"8","no":"8","ex":"AN","st":"Retiré","et":"Discuté","se":"Retiré","an":"Mme Nathalie Oziol","gc":"LFI-NUPES","gk":"#E42313","t":"À la seconde phrase de l’alinéa 4, après le mot :\n« pris »\ninsérer les mots :\n« en Conseil d’État, »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000008","n":"8","no":"8","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Arrighi","gc":"EcoS","gk":"#77AA79","t":"I. - À l’alinéa 3, substituer aux mots :\n« Les opérations liées à la clôture des comptes de dépôt, des comptes de paiement »\nles…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000009","n":"9","no":"9","ex":"AN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Nathalie Oziol","gc":"LFI-NUPES","gk":"#E42313","t":"Compléter l’alinéa 4 par la phrase suivante :\n« En tout état de cause, les frais bancaires et opérations facturés aux comptes de…"},{"u":"AMANR5L17PO838901BTC0632P0D1N000009","n":"9","no":"9","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Arrighi","gc":"EcoS","gk":"#77AA79","t":"À l’alinéa 3, substituer aux mots :\n« du plan d’épargne en actions »\nles mots :\n« des produits mentionnés aux sections 6, 6 bis…"},{"u":"AMANR5L17PO838901BTC0632P0D1N000010","n":"10","no":"10","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Arrighi","gc":"EcoS","gk":"#77AA79","t":"I. - À l’alinéa 3, supprimer les mots :\n« d’aucune nature ».\nII. - En conséquence, à l’alinéa 4, substituer aux mots :\n« d’une…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000011","n":"11","no":"11","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Christelle Petex","gc":"LR","gk":"#4565AD","t":"I. - À l’alinéa 3, substituer au montant :\n« 5 000 euros »\nle montant :\n« 6 000 euros ».\nII. - En conséquence, procéder à la même…"},{"u":"AMANR5L17PO838901BTC0632P0D1N000011","n":"11","no":"11","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Arrighi","gc":"EcoS","gk":"#77AA79","t":"À l’alinéa 10, substituer au mot :\n« trois »,\nle mot :\n« six »."},{"u":"AMANR5L16PO791932BTC2204P0D1N000012","n":"12","no":"12","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Christelle Petex","gc":"LR","gk":"#4565AD","t":"I. - À l’alinéa 3, substituer au montant :\n« 5 000 euros »\nle montant :\n« 8 000 euros ».\nII. - En conséquence, procéder à la même…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000013","n":"13","no":"13","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Christelle Petex","gc":"LR","gk":"#4565AD","t":"I. - À l’alinéa 3, substituer au montant :\n« 5 000 euros »\nle montant :\n« 10 000 euros ».\nII. - En conséquence, procéder à la…"},{"u":"AMANR5L17PO838901BTC0632P0D1N000014","n":"14","no":"14","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Jean-Paul Mattei","gc":"DEM","gk":"#F07E26","t":"À l’alinéa 3, substituer aux mots :\n« du plan d’épargne en actions »\nles mots :\n« des produits mentionnés aux sections 6, 6 bis…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000015","n":"15","no":"15","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Michel Guiniot","gc":"RN","gk":"#35495E","t":"I. - À l’alinéa 3, substituer aux mots :\n« à 5 000 euros »\nles mots :\n« au montant prévu au premier alinéa du même article L.…"},{"u":"AMANR5L17PO838901BTC0632P0D1N000015","n":"15","no":"15","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Jean-Paul Mattei","gc":"DEM","gk":"#F07E26","t":"À l’alinéa 10, substituer au mot :\n« trois »,\nle mot :\n« six »."},{"u":"AMANR5L16PO791932BTC2204P0D1N000016","n":"16","no":"16","ex":"AN","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. Michel Guiniot","gc":"RN","gk":"#35495E","t":"Compléter l’alinéa 2 par la phrase suivante :\n« La clôture des livrets d’épargne réglementés du défunt et le versement des sommes…"},{"u":"AMANR5L17PO838901BTC0632P0D1N000017","n":"17","no":"17","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"EPR","gk":"#7B4591","t":"I. - À l’alinéa 3, substituer aux mots :\n« Les opérations liées à la clôture des comptes de dépôt, des comptes de paiement »\nles…"},{"u":"AMANR5L17PO838901BTC0632P0D1N000018","n":"18","no":"18","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"EPR","gk":"#7B4591","t":"À l’alinéa 3, substituer aux mots :\n« du plan d’épargne en actions »\nles mots :\n« des produits mentionnés aux sections 6, 6 bis…"},{"u":"AMANR5L17PO838901BTC0632P0D1N000019","n":"19","no":"19","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"EPR","gk":"#7B4591","t":"À l’alinéa 10, substituer au mot :\n« trois »,\nle mot :\n« six »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000021","n":"21","no":"21","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Philippe Brun","gc":"SOC","gk":"#F5B4CE","t":"À l’alinéa 4 , après le mot :\n« crédit »,\ninsérer le mot :\n« immobilier »."},{"u":"AMANR5L16PO791932BTC2204P0D1N000022","n":"22","no":"22","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC-A","gk":"#DF84B5","t":"I. - À l’alinéa 2, substituer aux mots :\n« La clôture des comptes de dépôt et des comptes sur livret du défunt et le versement…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000023","n":"23","no":"23","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC-A","gk":"#DF84B5","t":"À l’alinéa 3, substituer aux mots :\n« sommes détenues par l’établissement de crédit »\nles mots :\n« soldes des comptes de dépôt…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000024","n":"24 (Rect)","no":"24","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC-A","gk":"#DF84B5","t":"À la fin de la seconde phrase de l’alinéa 4, substituer aux mots :\n« modalités de plafonnement de ces frais »,\nles mots :\n«…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000026","n":"26","no":"26","ex":"AN","et":"Retiré","se":"Retiré après publication","an":"M. Antoine Villedieu","gc":"RN","gk":"#35495E","t":"I. - À l’alinéa 3, substituer au montant :\n« 5 000 euros »\nle montant :\n« 30 000 euros ».\nII. - En conséquence, procéder à la…"}],"apres-art-premier":[{"u":"AMANR5L16PO791932BTC2204P0D1N000018","n":"18","no":"18","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Philippe Dunoyer","gc":"RE","gk":"#61468F","t":"Après la septième ligne du tableau du second alinéa du I des articles L. 752-2, L. 753-2 et L. 754-2 du code monétaire et…"},{"u":"AMANR5L16PO791932BTC2204P0D1N000025","n":"25","no":"25","ex":"AN","et":"Irrecevable","se":"Champ de l'habilitation (38)","an":"M. Nicolas Metzdorf","gc":"RE","gk":"#61468F"}],"art-2":[{"u":"AMANR5L16PO791932BTC2204P0D1N000005","n":"5","no":"5","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Danielle Brulebois","gc":"RE","gk":"#61468F","t":"Compléter la première phrase par les mots :\n« , en particulier les frais de succession sur les fermetures de comptes de mineurs »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000005","n":"5","no":"5","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC","gk":"#F5B4CE","t":"À la première phrase, substituer aux mots :\n« permettant d’évaluer l’impact »,\nles mots :\n« évaluant les effets »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000006","n":"6","no":"6","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC","gk":"#F5B4CE","t":"Compléter la première phrase par les mots :\n« ainsi que sur le nombre de personnes bénéficiant de la gratuité de ces frais »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000012","n":"12","no":"12","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Arrighi","gc":"EcoS","gk":"#77AA79","t":"À la première phrase, substituer aux mots :\n« permettant d’évaluer l’impact »,\nles mots :\n« évaluant les effets »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000013","n":"13","no":"13","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Arrighi","gc":"EcoS","gk":"#77AA79","t":"Compléter la première phrase par les mots :\n« ainsi que sur le nombre de personnes bénéficiant de la gratuité de ces frais »."},{"u":"AMANR5L16PO791932BTC2204P0D1N000014","n":"14","no":"14","ex":"AN","et":"Retiré","se":"Retiré après publication","an":"M. Charles Sitzenstuhl","gc":"RE","gk":"#61468F","t":"À la première phrase, supprimer les mots :\n« l’ampleur du marché que représentent »."},{"u":"AMANR5L17PO838901BTC0632P0D1N000016","n":"16","no":"16","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Jean-Paul Mattei","gc":"DEM","gk":"#F07E26","t":"Compléter la première phrase par les mots :\n« ainsi que sur le nombre de personnes bénéficiant de la gratuité de ces frais »."},{"u":"AMANR5L16PO791932BTC2204P0D1N000017","n":"17","no":"17","ex":"AN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Lionel Vuibert","gc":"RE","gk":"#61468F","t":"Compléter cet article par la phrase suivante :\n« Il précise également les moyens de renforcer l’information des héritiers. »"},{"u":"AMANR5L17PO838901BTC0632P0D1N000020","n":"20","no":"20","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"M. Daniel Labaronne","gc":"EPR","gk":"#7B4591","t":"Compléter la première phrase par les mots :\n« ainsi que sur le nombre de personnes bénéficiant de la gratuité de ces frais »."},{"u":"AMANR5L16PO791932BTC2204P0D1N000021","n":"21","no":"21","ex":"AN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Marie-Christine Dalloz","gc":"LR","gk":"#4565AD","t":"Rédiger ainsi cet article :\n« Dans un délai d’un an à compter de la date d’entrée en vigueur du décret d’application prévu au…"}],"art-unique":[{"u":"AMANR5L16PO59048B2056P0D1N000001","n":"CF1","no":"1","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Charles Sitzenstuhl","gc":"RE","gk":"#61468F","t":"À la dernière phrase de l’alinéa 2, substituer au nombre :\n« 5 000 »\nle nombre :\n« 1 000 »."},{"u":"AMANR5L16PO59048B2056P0D1N000002","n":"CF2","no":"2","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Bryan Masson","gc":"RN","gk":"#35495E","t":"À la dernière phrase de l’alinéa 2, substituer au nombre :\n« 5 000 »\nle nombre :\n« 10 000 »."},{"u":"AMANR5L16PO59048B2056P0D1N000003","n":"CF3","no":"3","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Fabien Di Filippo","gc":"LR","gk":"#4565AD","t":"À la dernière phrase de l’alinéa 2, substituer au nombre :\n« 5 000 »\nle nombre :\n« 20 000 »."},{"u":"AMANR5L16PO59048B2056P0D1N000004","n":"CF4","no":"4","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Christelle Petex","gc":"LR","gk":"#4565AD","t":"À la dernière phrase de l’alinéa 2, substituer au nombre :\n« 5 000 »\nle nombre :\n« 6 000 »."},{"u":"AMANR5L16PO59048B2056P0D1N000005","n":"CF5","no":"5","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Christelle Petex","gc":"LR","gk":"#4565AD","t":"À la dernière phrase de l’alinéa 2, substituer au nombre :\n« 5 000 »\nle nombre :\n« 8 000 »."},{"u":"AMANR5L16PO59048B2056P0D1N000006","n":"CF6","no":"6","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Christelle Petex","gc":"LR","gk":"#4565AD","t":"À la dernière phrase de l’alinéa 2, substituer au nombre :\n« 5 000 »\nle nombre :\n« 10 000 »."},{"u":"AMANR5L16PO59048B2056P0D1N000007","n":"CF7","no":"7","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Vincent Seitlinger","gc":"LR","gk":"#4565AD","t":"Compléter la première phrase de l’alinéa 2 par les mots :\n« , fixés par l’Autorité de contrôle prudentiel et de résolution sur…"},{"u":"AMANR5L16PO59048B2056P0D1N000008","n":"CF8","no":"8","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Vincent Seitlinger","gc":"LR","gk":"#4565AD","t":"À la deuxième phrase de l’alinéa 2, après le mot :\n« financier »,\nrédiger ainsi la fin de l’alinéa :\n« fixe un barème de…"},{"u":"AMANR5L16PO59048B2056P0D1N000009","n":"CF9","no":"9","ex":"CION_FIN","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. Jean-Marc Tellier","gc":"GDR-NUPES","gk":"#991414","t":"Compléter cet article par l’alinéa suivant :\n« Dès lors que le montant total des sommes détenues par l’établissement est…"},{"u":"AMANR5L16PO59048B2056P0D1N000011","n":"CF11","no":"11","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Florian Chauche","gc":"LFI-NUPES","gk":"#E42313","t":"Rédiger ainsi le début de la deuxième phrase de l’alinéa 2 :\n« Avant le 1er janvier 2025, un décret (le reste sans changement) »."},{"u":"AMANR5L16PO59048B2056P0D1N000012","n":"CF12","no":"12","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Nathalie Oziol","gc":"LFI-NUPES","gk":"#E42313","t":"Au début de la deuxième phrase de l’alinéa 2, après le mot :\n« décret »,\ninsérer les mots :\n« en Conseil d’État »."},{"u":"AMANR5L16PO59048B2056P0D1N000013","n":"CF13","no":"13","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Florian Chauche","gc":"LFI-NUPES","gk":"#E42313","t":"À la dernière phrase de l’alinéa 2, substituer au nombre :\n« 5 000 »\nle nombre :\n« 8 000 »."},{"u":"AMANR5L16PO59048B2056P0D1N000014","n":"CF14","no":"14","ex":"CION_FIN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Nathalie Oziol","gc":"LFI-NUPES","gk":"#E42313","t":"Après la deuxième phrase de l’alinéa 2, insérer la phrase suivante :\n« Les frais bancaires et opérations facturés aux comptes de…"},{"u":"AMANR5L16PO59048B2056P0D1N000015","n":"CF15","no":"15","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Charles de Courson","gc":"LIOT","gk":"#F8D434","t":"À la dernière phrase de l’alinéa 2, substituer au nombre :\n« 5 000 »\nle nombre :\n« 10 000 »."},{"u":"AMANR5L16PO59048B2056P0D1N000016","n":"CF16","no":"16","ex":"CION_FIN","st":"Retiré","et":"Discuté","se":"Retiré","an":"M. Charles de Courson","gc":"LIOT","gk":"#F8D434","t":"Rédiger ainsi l’alinéa 2 :\n« « Art. L. 312-1-4-1. - Les comptes de paiement et les comptes sur livret des défunts sont exonérés…"},{"u":"AMANR5L16PO59048B2056P0D1N000017","n":"CF17","no":"17","ex":"CION_FIN","et":"Retiré","se":"Retiré après publication","an":"M. Mathieu Lefèvre","gc":"RE","gk":"#61468F","t":"Rédiger ainsi l’alinéa 2 :\n« « Art. L. 312-1-4-1. - Un décret pris sur avis du Comité consultatif du secteur financier détermine…"},{"u":"AMANR5L16PO59048B2056P0D1N000018","n":"CF18","no":"18","ex":"CION_FIN","et":"Retiré","se":"Retiré avant publication","an":"M. Mathieu Lefèvre","gc":"RE","gk":"#61468F"},{"u":"AMANR5L16PO59048B2056P0D1N000019","n":"CF19","no":"19","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Mathieu Lefèvre","gc":"RE","gk":"#61468F","t":"Après le mot :\n« peuvent »,\nrédiger ainsi la fin de la dernière phrase de l’alinéa 2 :\n« excéder un montant déterminé par voie…"},{"u":"AMANR5L16PO59048B2056P0D1N000020","n":"CF20","no":"20","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Mathieu Lefèvre","gc":"RE","gk":"#61468F","t":"À la première phrase de l’alinéa 2, substituer aux mots :\n« en rapport avec les »\nles mots :\n« proportionnés aux »."},{"u":"AMANR5L16PO59048B2056P0D1N000021","n":"CF21","no":"21","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Mathieu Lefèvre","gc":"RE","gk":"#61468F","t":"À la première phrase de l’alinéa 2, après le mot :\n« aux »,\ninsérer les mots :\n« héritiers qui justifient de leur qualité…"},{"u":"AMANR5L16PO59048B2056P0D1N000022","n":"CF22","no":"22","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Christine Arrighi","gc":"ECOLO","gk":"#77AA79","t":"Après la première phrase de l’alinéa 2, insérer la phrase suivante :\n« Les personnes qui souscrivent l’offre mentionnée au…"},{"u":"AMANR5L16PO59048B2056P0D1N000023","n":"CF23","no":"23","ex":"CION_FIN","st":"Retiré","et":"Discuté","se":"Retiré","an":"Mme Christine Arrighi","gc":"ECOLO","gk":"#77AA79","t":"Compléter l’alinéa 2 par la phrase suivante :\n« Le seuil de 5 000 euros est indexé chaque année sur la prévision de l’indice des…"},{"u":"AMANR5L16PO59048B2056P0D1N000024","n":"CF24","no":"24","ex":"CION_FIN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Christine Arrighi","gc":"ECOLO","gk":"#77AA79","t":"Compléter cet article par l’alinéa suivant :\n« II. - Le présent article s’applique aux frais facturés ou acquittés à compter du…"},{"u":"AMANR5L16PO59048B2056P0D1N000025","n":"CF25","no":"25","ex":"CION_FIN","st":"Rejeté","et":"Discuté","se":"Rejeté","an":"Mme Christine Arrighi","gc":"ECOLO","gk":"#77AA79","t":"Compléter cet article par l’alinéa suivant :\n« II. - Le présent article s’applique aux frais facturés ou acquittés à compter du…"},{"u":"AMANR5L16PO59048B2056P0D1N000026","n":"CF26","no":"26","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Mathieu Lefèvre","gc":"RE","gk":"#61468F","t":"À la première phrase de l’alinéa 2, substituer au mot :\n« paiement »\nle mot :\n« dépôt »."},{"u":"AMANR5L16PO59048B2056P0D1N000027","n":"CF27","no":"27","ex":"CION_FIN","et":"Retiré","se":"Retiré avant publication","an":"M. Mathieu Lefèvre","gc":"RE","gk":"#61468F"},{"u":"AMANR5L16PO59048B2056P0D1N000028","n":"CF28","no":"28","ex":"CION_FIN","et":"Retiré","se":"Retiré avant publication","an":"M. Mathieu Lefèvre","gc":"RE","gk":"#61468F"},{"u":"AMANR5L16PO59048B2056P0D1N000029","n":"CF29","no":"29","ex":"CION_FIN","et":"Retiré","se":"Retiré après publication","an":"M. Luc Geismar","gc":"DEM","gk":"#CE5215","t":"Substituer à la dernière phrase de l’alinéa 2 les deux phrases suivantes :\n« Lorsque le montant total des sommes détenues par…"},{"u":"AMANR5L16PO59048B2056P0D1N000030","n":"CF30","no":"30","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"M. Mathieu Lefèvre","gc":"RE","gk":"#61468F","t":"À la dernière phrase de l'alinéa 2, substituer aux mots :\n« le compte »\nles mots :\n« les comptes de dépôt et comptes sur livret »."},{"u":"AMANR5L16PO59048B2056P0D1N000031","n":"CF31","no":"31","ex":"CION_FIN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC-A","gk":"#DF84B5","t":"Substituer aux deux premières phrases de l’alinéa 2 la phrase suivante :\n« Art. L. 312-1-4-1. - La clôture des comptes de dépôt…"},{"u":"AMANR5L16PO59048B2056P0D1N000032","n":"CF32","no":"32","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Christine Pirès Beaune","gc":"SOC-A","gk":"#DF84B5","t":"À la dernière phrase de l'alinéa 2, substituer aux mots :\n« placé sur le compte »\nles mots :\n« total figurant sur les comptes de…"},{"u":"AMANR5L16PO59048B2056P0D1N000033","n":"CF33","no":"33","ex":"CION_FIN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Christine Pirès Beaune","gc":"SOC-A","gk":"#DF84B5","t":"Substituer à la dernière phrase de l’alinéa 2 les trois phrases suivantes :\n« Lorsque le montant total des sommes détenues par…"},{"u":"AMANR5L16PO59048B2056P0D1N000034","n":"CF34","no":"34","ex":"CION_FIN","st":"Tombé","et":"Discuté","se":"Tombé","an":"Mme Christine Pirès Beaune","gc":"SOC-A","gk":"#DF84B5","t":"À la première phrase de l’alinéa 2, substituer au mot :\n« paiement »\nle mot :\n« dépôt »."}],"apres-art-unique":[{"u":"AMANR5L16PO59048B2056P0D1N000010","n":"CF10","no":"10","ex":"CION_FIN","st":"Adopté","et":"Discuté","se":"Adopté","an":"Mme Marie-Christine Dalloz","gc":"LR","gk":"#4565AD","t":"Dans un délai d’un an à compter de la promulgation de la présente loi, le Gouvernement remet au Parlement un rapport sur…"}]},"amdtVotes":{"scrutins":[{"id":"VTANR5L17V503","date":"2024-12-03","titre":"l'amendement n° 4 de Mme Pirès Beaune et les amendements identiques suivants à l'article premier de la proposition de loi visant à réduire et à encadrer les frais bancaires sur succession (deuxième 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Porté par la députée Christine Pirès Beaune (Socialistes), auteure et rapporteure, il institue la gratuité pour les successions de personnes mineures, les successions modestes (avoirs sous environ 5 910 euros) et les cas simples, et plafonne les frais à 1 % des avoirs du défunt dans les autres cas. Adopté à l'unanimité en deuxième lecture le 3 décembre 2024, le texte a été définitivement voté par le Sénat puis promulgué (loi n° 2025-415 du 13 mai 2025). En 2026, le Conseil constitutionnel, saisi d'une question prioritaire de constitutionnalité, a toutefois censuré les trois cas de gratuité au nom de la liberté d'entreprendre et de la liberté contractuelle, ne laissant subsister que le plafonnement à 1 %.","dynamique":"Adopté le 3 décembre 2024 : 144 voix pour, aucune contre. 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