{"texte":{"uid":"PIONANR5L17B1851","legislature":17,"titre":"Plusieurs mesures de justice pour limiter les frais bancaires injustes","titreLong":"proposition de loi portant plusieurs mesures de justice pour limiter les frais bancaires injustes","dateDepot":"2025-09-16","dossierRef":"DLR5L17N52800","auteurs":[{"id":"PA795778","label":"Jean-Philippe Tanguy","qualite":"auteur"}],"cosignataires":[{"id":"PA793432","label":"Franck Allisio"},{"id":"PA841495","label":"Maxime Amblard"},{"id":"PA796118","label":"Bénédicte Auzanot"},{"id":"PA794562","label":"Philippe Ballard"},{"id":"PA842279","label":"Anchya Bamana"},{"id":"PA793238","label":"Christophe Barthès"},{"id":"PA793374","label":"Romain Baubry"},{"id":"PA793158","label":"José Beaurain"},{"id":"PA794434","label":"Christophe Bentz"},{"id":"PA841645","label":"Théo Bernhardt"},{"id":"PA842001","label":"Guillaume Bigot"},{"id":"PA720822","label":"Bruno Bilde"},{"id":"PA720668","label":"Emmanuel Blairy"},{"id":"PA794886","label":"Sophie 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loi","anUrl":"https://www.assemblee-nationale.fr/17/propositions/pion1851.asp","dispositions":{"exposeMotifs":"MESDAMES, MESSIEURS, Les frais bancaires appliqués aux particuliers représentent une charge abusive, particulièrement pour les ménages en situation de fragilité financière mais aussi pour les classes moyennes et les acteurs éeconomiques et associatifs. 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 rassembler les bonnes idées au-delà des clivages partisans pour mettre enfin un terme aux pratiques bancaires prédatrices qui transforment chaque incident en une source de profits. Les gouvernements successifs sous les quinquennats de M. François Hollande et de M. 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 une arlésienne qu’aucun gouvernement n’a voulu réellement traiter avec détermination et courage. La première tentative de la loi du 26 juillet 2013 de séparation et de régulation des activités bancaires s’est soldée par un échec. L’article 52 de cette loi introduisait 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, cette mesure s’est révélée inefficace pour lutter contre les frais bancaires abusifs. Malgré l’engagement de M. Emmanuel Macron, en pleine crise des G","articles":[{"num":"1er","extrait":"Le code monétaire et financier est ainsi modifié : 1° L’article L. 312-1-3 est ainsi rédigé : « Art. L. 312-1-3. – Les établissements de crédit ne peuvent, en réponse à une irrégularité de fonctionnement ou à un incident de paiement sur le compte bancaire d’une personne physique, d’une association à but non lucratif, d’une microentreprise ou d’une petite ou moyenne entreprise, au sens de l’article 51 de la loi n° 2008-776 du 4 août 2008 de modernisation de l’économie, facturer une commission ou des frais supplémentaires, sauf dans le cas prévu au dernier alinéa de l’article L. 131-73 du présent code. » ; 2° Le dernier alinéa de l’article L. 131-73 est ainsi rédigé : « Par exception à l’article L. 312-1-3, les frais de toute nature qu’occasionne le rejet d’un chèque sans provision sont à la charge du tireur. Les frais perçus par le tiré ne peuvent excéder la somme de 15 euros pour le rejet d’un chèque d’un montant inférieur ou égal à 50 euros et de 30 euros pour le rejet d’un chèque d’un montant supérieur à 50 euros. » ; 3° Le I de l’article L. 133-26 est ainsi modifié : a) À la première phrase, les mots : «, au I de l’article L. 133-10 » sont supprimés ; b) La seconde phrase est supprimée ; 4° À la dernière phrase du IV de l’article L. 133-8, après le mot : « frais », sont insérés les mots : «, dans la limite d’un montant fixé par décret en Conseil d’État, » ; 5° Le deuxième alinéa du I de l’article L. 133-10 est ainsi rédigé : « Le prestataire de services de paiement ne peut imputer de frais pour une telle notification à l’utilisateur de services de paiement. » ; 6° A l’avant-dernier alinéa de l’article L. 133-21, après le mot : « recouvrement », sont insérés les mots : «, dans la limite d’un montant fixé par décret en Conseil d’État, »."},{"num":"2","extrait":"L’article L. 162-1 du code des procédures civiles d’exécution est complété par un alinéa ainsi rédigé : « Le montant des frais bancaires afférents à la saisie-attribution perçu par les établissements de crédit ne peut dépasser 10 % du montant dû au créancier, dans la limite d’un plafond fixé par décret. »"},{"num":"3","extrait":"Après l’article L. 312-1-2 du code monétaire et financier, il est inséré un article L. 312-1-2-1 ainsi rédigé : « Art. L. 312-1-2-1. – Le montant maximal des frais qu’un établissement bancaire peut facturer à une personne physique n’agissant pas pour des besoins professionnels est fixé par décret. »"},{"num":"4","extrait":"L’article L. 351-2 du code monétaire et financier est ainsi rétabli : « Art. L. 351-2. – Les établissements de crédit facturant des frais bancaires excédant les plafonds fixés par le présent code sont passibles d’une amende d’un montant compris entre 100 % et 200 % du surplus de frais facturés. »"},{"num":"5","extrait":"L’article L. 312-1-1 B du code monétaire et financier est ainsi modifié : 1° Le deuxième alinéa est complété par les mots : « concernant les personnes physiques mentionnées à l’article L. 312-1-3 et l’ensemble des personnes physiques n’agissant pas pour des besoins professionnels » ; 2° À la dernière phrase du dernier alinéa, les mots : « peut également décrire et analyser » sont remplacés par les mots : « décrit et analyse »."},{"num":"6","extrait":"La sixième ligne du tableau du second alinéa du I des articles L. 752-2, L. 753-2 et L. 754-2 du code monétaire et financier est ainsi rédigée : « L. 312-1-3 La loi n° du portant plusieurs mesures de justice pour limiter les frais bancaires »."}],"pdfUrl":"https://www.assemblee-nationale.fr/dyn/17/textes/l17b1851_proposition-loi.pdf","pdfPages":null},"dispositionsVersion":6},"stade":{"cle":"depose","etiquette":"Déposé, non adopté à ce jour","phrase":"Ce texte a été déposé le 16 septembre 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. Ce n'est pas le droit en vigueur."},"linkedScrutins":[],"hasEnjeu":true,"hasDisp":true,"hasVotes":false,"hasOu":true,"themeLabels":{},"themesTexte":[],"nAmdtDeposes":91,"amdtIdx":{"dossierRef":"DLR5L17N52800","leg":17,"counts":{"total":91,"A discuter":57,"Retiré":15,"Rejeté":10,"En traitement":4,"Adopté":4,"Irrecevable":1},"stades":{"commission":24,"seance":67},"organes":[{"prefixe":"AN","label":"Séance publique"},{"prefixe":"CION_FIN","label":"Commission des finances"}],"textes":[{"ref":"PIONANR5L17B1851","n":91}],"byGroupe":[{"groupeId":"LFI","code":"LFI","couleur":"#C00D0D","n":34,"adoptes":0},{"groupeId":"EPR","code":"EPR","couleur":"#7B4591","n":24,"adoptes":2},{"groupeId":"RN","code":"RN","couleur":"#313567","n":20,"adoptes":2},{"groupeId":"EcoS","code":"EcoS","couleur":"#77AA79","n":12,"adoptes":0},{"groupeId":"DR","code":"DR","couleur":"#8CB0DC","n":1,"adoptes":0}],"divisions":[{"key":"art-premier","label":"ART. 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