{"texte":{"uid":"PIONANR5L17B0158","legislature":17,"titre":"Réduction des frais bancaires sur succession","titreLong":"proposition de loi visant à réduire et à encadrer les frais bancaires sur succession","dateDepot":"2024-07-23","dossierRef":"DLR5L16N49258","auteurs":[],"cosignataires":[],"cosignatairesCount":0,"type":"Proposition de loi","anUrl":"https://www.assemblee-nationale.fr/17/propositions/pion0158.asp","dispositions":{"exposeMotifs":null,"articles":[{"num":"1er","extrait":"I. – Le code monétaire et financier est ainsi modifié : 1° Après l’article L. 312-1-4, il est inséré un article L. 312-1-4-1 ainsi rédigé : « Art. L. 312-1-4-1. – Les opérations liées à la clôture des comptes d e dépôt, des comptes de paiement, des comptes sur livret et, à l’exception du plan d’épargne en actions, des produits d’épargne générale à régime fiscal spécifique du défunt ne font l’objet d’aucuns frais d’aucune nature par l’établissement teneur desdits comptes et auprès du quel sont ouverts lesdits produits dans les cas suivants : « 1° Lorsque l’héritier justifie de sa qualité d’hé ritier soit par la production d’un acte de notoriété, soit par la production d’une attestation signée de l’ensemble des héritiers répondant aux conditions des a à d de l’article L. 312-1-4 et que les opérations liées à la clôture ne présentent pas de complexité manifeste tenant à l’absence d’hériti ers mentionnés au 1° de l’article 734 du code civil, au nombre des comptes et produits d’épargne à clôturer, à la constitution de sûretés sur lesdits comptes et produits ou à l’existence d’éléments d’extranéité, et empêchant l a réalisation de ces opérations dans un délai raisonnable ; « 2° Lorsque le montant total des soldes des compte s et de la valorisation des produits d’épargne du défunt mentionnés au premier alinéa du présent article est inférieur au montant fixé par l’arrêté du ministre chargé de l’économie mentionné au 2° de l’article L. 312-1-4 ; « 3° Lorsque le détenteur des comptes et produits d’épargne mentionnés au premier alinéa du présent article est mineur à la date du décès. « Dans les autres cas, les opérations liées à la clôture des comptes et des produits d’épargne du défunt mentionnées au même premier alinéa peuvent donner lieu à un prélèvement de frais par l’établis sement teneur desdits comptes et auprès duquel sont ouverts lesdits produits. « Un décret, pris après avis du Comité consultatif de la législation et de la réglementation financières, détermine les conditions d’application du 1° et les modalités de plafonnement des frais pouvant être prélevés en application du cinquième alinéa, dans la limite de 1 % du montant total des soldes des comptes et de la valorisation des produits d’épargne du défunt mentionnés au premier alinéa et dans la limite d’un montant fixé par le même décret. » ; 2° (nouveau) Aux premier et deuxième alinéas de l’article L. 31 7-1, après la référence : « L. 312-1-2, », est insérée l a référence : « L. 312-1-4-1, ». II (nouveau). – Le I entre en vigueur trois mois après la promulgation de la présente loi."},{"num":"1er bis","extrait":"(Conforme)"},{"num":"2","extrait":"Dans un délai d’un an à compter de la publication d u décret prévu au dernier alinéa de l’article L. 312-1-4-1 du code monétaire et financier, le Gouvernement remet au Parlement un rapport permettant d’évaluer l’impact de la présente loi sur l’évolution des frais appliqués dans le cadre des opérations liées à la clôture des comptes et des produits d’épargne du défunt. Ce rapport s’appuie notamment sur les travaux du Comité consultatif du secteur financier."}],"pdfUrl":"https://www.assemblee-nationale.fr/dyn/17/textes/l17b0158_proposition-loi.pdf","pdfPages":null},"dispositionsVersion":6,"provenance":"senat","provenanceFormule":", modifiée par le Sénat, visant à réduire et à encadrer les frais bancaires sur succession"},"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 lecture).","pour":62,"contre":52,"abstention":13}],"total":1},"aepDeps":{"PA793214":{"prenom":"Audrey","nom":"Abadie-Amiel"},"PA795228":{"prenom":"Nadège","nom":"Abomangoli"},"PA794278":{"prenom":"Xavier","nom":"Albertini"},"PA793262":{"prenom":"Laurent","nom":"Alexandre"},"PA793992":{"prenom":"Henri","nom":"Alfandari"},"PA841067":{"prenom":"Alexandre","nom":"Allegret-Pilot"},"PA840665":{"prenom":"Marie-José","nom":"Allemand"},"PA793432":{"prenom":"Franck","nom":"Allisio"},"PA841207":{"prenom":"Charles","nom":"Alloncle"},"PA794906":{"prenom":"Gabriel","nom":"Amard"},"PA841495":{"prenom":"Maxime","nom":"Amblard"},"PA795950":{"prenom":"David","nom":"Amiel"},"PA794138":{"prenom":"Ségolène","nom":"Amiot"},"PA610968":{"prenom":"Pouria","nom":"Amirshahi"},"PA795588":{"prenom":"Farida","nom":"Amrani"},"PA721158":{"prenom":"Pieyre-Alexandre","nom":"Anglade"},"PA795084":{"prenom":"Rodrigo","nom":"Arenas"},"PA795144":{"prenom":"Antoine","nom":"Armand"},"PA842105":{"prenom":"Raphaël","nom":"Arnault"},"PA793780":{"prenom":"Christine","nom":"Arrighi"},"PA722190":{"prenom":"Gabriel","nom":"Attal"},"PA588884":{"prenom":"Clémentine","nom":"Autain"},"PA796118":{"prenom":"Bénédicte","nom":"Auzanot"},"PA642764":{"prenom":"Joël","nom":"Aviragnet"},"PA841701":{"prenom":"Léa","nom":"Balage El 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Emmanuel Macron","phase":"Promulgation de la loi"}]},"procedure":"Proposition de loi ordinaire","redepot":null,"civById":{"PA608172":"Mme"},"grpById":{"PA608172":{"id":"PO845419","code":"SOC","libelle":"Socialistes et apparentés","couleur":"#F5B4CE"}},"mainAuthor":null,"enjeu":{"resume":"Ce texte encadre pour la première fois les frais bancaires prélevés à la fermeture des comptes d'une personne décédée, jusque-là libres et très variables (de quelques dizaines à plusieurs centaines d'euros selon les banques pour une même succession). 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. Onze groupes ont voté pour.","arguments":{"pour":[{"qui":"Christine Pirès Beaune (Socialistes)","texte":"Auteure et rapporteure, elle dénonce l'absence de transparence des frais bancaires sur succession et rappelle qu'au moment du décès « les héritiers n'ont pas d'autre choix que de payer », les banques n'ayant rien proposé depuis 2021 malgré les appels au volontariat.","source":"https://www.ici.fr/emissions/l-invite-de-la-matinale/la-deputee-du-puy-de-dome-christine-pires-beaune-veut-encadrer-les-frais-bancaires-de-succession-7938336","verifieLe":"2026-08-20"},{"qui":"Bruno Le Maire (alors ministre de l'Économie)","texte":"Il a soutenu l'initiative en dénonçant certaines pratiques bancaires (« N'ajoutons pas le manque d'humanité à la douleur » de perdre un proche), citant le cas d'un enfant décédé dont les parents s'étaient vu facturer 138,20 euros pour clôturer son compte.","source":"https://www.ici.fr/infos/economie-social/les-frais-bancaires-pour-les-petites-successions-vont-ils-bientot-etre-supprimes-4975815","verifieLe":"2026-08-20"},{"qui":"UNAF (Union nationale des associations familiales)","texte":"L'association soutient la régulation en rappelant que ces frais « s'imposent à des héritiers qui n'ont pas pu les choisir » et touchent particulièrement les familles modestes, alors que la fermeture d'un compte est gratuite pour les vivants.","source":"https://www.unaf.fr/proposition-loi-reduction-et-encadrement-frais-bancaires-succession/","verifieLe":"2026-08-20"}],"contre":[],"reserves":[{"qui":"Éric Coquerel (La France insoumise)","texte":"Lors de l'examen du texte, il a jugé que la proposition « aurait pu être plus ambitieux », estimant l'encadrement encore insuffisant au regard de l'ampleur des frais constatés.","source":"https://lcp.fr/actualites/frais-bancaires-sur-succession-une-proposition-de-loi-visant-a-les-reduire-et-a-les","verifieLe":"2026-08-20"}]},"sources":[{"label":"Dossier législatif (Assemblée nationale)","url":"https://www.assemblee-nationale.fr/dyn/17/dossiers/reduction_frais_bancaires_succession"},{"label":"La loi en clair (Sénat)","url":"https://www.senat.fr/travaux-parlementaires/textes-legislatifs/la-loi-en-clair/proposition-de-loi-visant-a-reduire-et-a-encadrer-les-frais-bancaires-sur-succession.html"},{"label":"LOI n° 2025-415 du 13 mai 2025 (Légifrance)","url":"https://www.legifrance.gouv.fr/jorf/id/JORFTEXT000051586300"},{"label":"Frais bancaires sur succession : le Conseil constitutionnel supprime les cas de gratuité (UFC-Que Choisir)","url":"https://www.quechoisir.org/actualite-frais-bancaires-sur-succession-le-conseil-constitutionnel-supprime-les-cas-de-gratuite-n177070/"}],"v":2,"source":"cure-verifie"},"explain":{"scrutinId":"VTANR5L17V504","version":2,"titre":"l'ensemble de la proposition de loi visant à réduire et à encadrer les frais bancaires sur succession (deuxième lecture).","synthese":"**L'Assemblée nationale** a **adopté** une proposition de loi visant à **réduire et encadrer les frais bancaires sur succession**. Ce texte cherche à **limiter les coûts** liés aux opérations bancaires lors de la transmission d’un patrimoine après le décès. Le vote a reçu l’appui de plusieurs groupes parlementaires, notamment **RN, EPR, LFI-NFP, SOC, DR, ECOS et HOR**. Aucun groupe n’a voté contre ou s’est abstenu. Le scrutin reflète un consensus large sur la nécessité de **meilleures conditions** pour les héritiers dans ce domaine.","perFamille":{"DR":"a voté pour","ECOS":"a voté pour","EPR":"a voté pour","HOR":"a voté pour","LFI-NFP":"a voté pour","RN":"a voté pour","SOC":"a voté pour"},"source":"ollama/qwen3:14b"},"objMoyens":null,"recoExperts":null,"eli":{"numeroLoi":"2025-415","eli":"https://www.legifrance.gouv.fr/eli/loi/2025/5/13/ECOX2406400L/jo/texte"},"promulgation":{"date":"2025-05-13","titre":"visant à réduire et à encadrer les frais bancaires sur succession","numJO":"112","dateJO":"2025-05-14","url":"https://www.legifrance.gouv.fr/WAspad/UnTexteDeJorf?numjo=ECOX2406400L"},"commissionAmdt":{"nTotal":38,"nAdopte":3,"commissions":["Finances"],"leg":16},"rapportsDossier":[{"u":"RAPPANR5L17B0632","commission":"Commission des finances, de l'économie générale et du contrôle budgétaire","date":"2024-11-27","num":"632","leg":17,"type":"permanent","rapporteurs":[{"id":"PA608172","label":"Christine Pirès Beaune"}]},{"u":"RAPPANR5L16B2204","commission":"Commission des finances, de l'économie générale et du contrôle budgétaire","date":"2024-02-14","num":"2204","leg":16,"type":"permanent","rapporteurs":[{"id":"PA608172","label":"Christine Pirès Beaune"}]}],"censures":null,"voteRef":{"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},"voteAggregat":{"PO845401":{"pour":49,"contre":0,"abstention":0,"nonVotant":0,"absent":75,"positionMajoritaire":"pour","nombreMembres":124},"PO845407":{"pour":10,"contre":0,"abstention":0,"nonVotant":1,"absent":82,"positionMajoritaire":"pour","nombreMembres":93},"PO845413":{"pour":14,"contre":0,"abstention":0,"nonVotant":0,"absent":57,"positionMajoritaire":"pour","nombreMembres":71},"PO845419":{"pour":28,"contre":0,"abstention":0,"nonVotant":0,"absent":38,"positionMajoritaire":"pour","nombreMembres":66},"PO845425":{"pour":13,"contre":0,"abstention":0,"nonVotant":1,"absent":33,"positionMajoritaire":"pour","nombreMembres":47},"PO845439":{"pour":10,"contre":0,"abstention":0,"nonVotant":0,"absent":28,"positionMajoritaire":"pour","nombreMembres":38},"PO845454":{"pour":4,"contre":0,"abstention":0,"nonVotant":0,"absent":32,"positionMajoritaire":"pour","nombreMembres":36},"PO845470":{"pour":7,"contre":0,"abstention":0,"nonVotant":0,"absent":27,"positionMajoritaire":"pour","nombreMembres":34},"PO845485":{"pour":2,"contre":0,"abstention":0,"nonVotant":0,"absent":21,"positionMajoritaire":"pour","nombreMembres":23},"PO845514":{"pour":2,"contre":0,"abstention":0,"nonVotant":0,"absent":15,"positionMajoritaire":"pour","nombreMembres":17},"PO847173":{"pour":4,"contre":0,"abstention":0,"nonVotant":0,"absent":12,"positionMajoritaire":"pour","nombreMembres":16},"PO840056":{"pour":1,"contre":0,"abstention":0,"nonVotant":0,"absent":8,"positionMajoritaire":"pour","nombreMembres":9}},"voteGroupes":[{"id":"PO845413","code":"LFI","libelle":"La France insoumise - 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