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Ces frais bancaires injustes et exorbitants pèsent fortement sur le pouvoir d’achat des ménages. Dans un contexte où « chaque euro compte », il est inadmissible que les clients se retrouvent pris au piège par des frais abusifs. Cette proposition de loi entend mettre un terme aux pratiques bancaires prédatrices qui transforment chaque incident en une source de profits. Les gouvernements successifs de François Hollande et d’Emmanuel Macron ont promis à plusieurs reprises, et sans succès, de mettre fin aux frais bancaires abusifs. Le sujet du plafonnement des frais bancaires est devenu peu à peu une arlésienne qu’aucun gouvernement n’a su traiter. La première tentative date de 2013 via la loi du 26 juillet 2013 de séparation et de régulation des activités bancaires. L’article 52 de cette loi introduit un plafonnement des commissions d'intervention en cas de dépassement du découvert autorisé pour les personnes physiques n'agissant pas pour des besoins professionnels. Ces plafonds ont été précisés par le décret du 17 octobre 2013. Or, la loi de 2013 s’est révélée totalement inefficace pour lutter contre les frais bancaires abusifs. En conséquence, M. Emmanuel Macron s’était engagé, en pleine crise des Gilets Jaunes, à plafonner les frais","articles":[{"num":"1er","extrait":"L’article L. 312‑1‑3 du code monétaire et financier est ainsi modifié : 1° À la première phrase du premier alinéa, après le mot : « bancaire » sont insérés les mots : « et les facturations de frais et de services bancaires » ; 2° Avant le dernier alinéa, il est inséré un alinéa ainsi rédigé : « Les plafonds, par mois et par opération, mentionnés au premier alinéa du présent article, y compris les plafonds spécifiques concernant les personnes physiques souscrivant à une offre mentionnée au deuxième alinéa du présent article sont appliqués uniformément dans tous les établissements de crédit et sont déterminés par une décision annuelle de la Banque de France prise après consultation du ministre chargé de l’économie. La Banque de France publie une décision annuelle, avant le 1er novembre, pour fixer les plafonds pour l’année suivante. » ; 3° Le dernier alinéa est supprimé."},{"num":"2","extrait":"La sous-section 2 de la section 1 du chapitre II du titre I er du livre III du code monétaire et financier est complétée par un article L. 312-1-9 ainsi rédigé : « Art. L. 312-1-9. – Les établissements de crédit ne peuvent facturer l’envoi de courriers, papier ou électronique, à leurs clients, qu’il s’agisse de relevés de compte, de notifications d’incidents ou d’informations générales nécessaires à la gestion du compte. Ces communications doivent être assurées sans frais supplémentaires pour les clients. »"},{"num":"3","extrait":"La sous-section 2 de la section 1 du chapitre II du titre I er du livre III du code monétaire et financier est complétée par un article L. 312-1-10 ainsi rédigé : « Art. L. 312-1-10. – I. – Les établissements de crédit qui ne respectent pas les dispositions de l’article L. 312‑1‑3 encourent une amende administrative jusqu’à 15 000 euros par infraction constatée. « II. – En cas de manquements répétés, l’Autorité de contrôle prudentiel et de résolution peut rendre publique la sanction avec le nom de l’établissement concerné, par tout moyen approprié. « III. – Les établissements doivent rembourser aux clients les frais perçus indûment, majorés des intérêts légaux en vigueur. »"}],"pdfUrl":"https://www.assemblee-nationale.fr/dyn/17/textes/l17b1541_proposition-loi.pdf","pdfPages":null},"dispositionsVersion":6},"stade":{"cle":"depose","etiquette":"Déposé, non adopté à ce jour","phrase":"Ce texte a été déposé le 10 juin 2025. Il n'a pas été adopté à ce jour : ce n'est pas la loi.","garde":"Ce résumé décrit ce que le texte propose. 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