French Consumer Code
In forceExcluded from the scope of the provisions of this chapter are:
1° Credit transactions intended to enable the acquisition or maintenance of rights of ownership or enjoyment of land or an existing building or a building to be constructed, including where these transactions are also intended to enable repair, improvement or maintenance work to be carried out on the land or building thus acquired ;
2° Credit transactions secured by a mortgage, by another comparable security interest in residential property or by a right linked to residential property covered by the provisions of Chapter III of this Title;
3° Transactions where the total amount of credit is less than €200 or more than €75,000, with the exception of those mentioned in Article L. 314-10 whose purpose is to consolidate loans and those intended to finance expenditure relating to the repair, improvement or maintenance of a residential property or a property used for both professional and residential purposes, where the loan is not secured by a mortgage, by another comparable security interest in immovable property used for residential purposes or by a right attached to an immovable property used for residential purposes ;
4° Transactions granted in the form of an overdraft authorisation repayable within a period of one month;
5° Credit transactions with a repayment period not exceeding three months which are not subject to any interest or charges or only to interest and charges of a negligible amount;
6° Transactions mentioned in 3 of article L. 511-6 of the Monetary and Financial Code;
7° The transactions mentioned in 2 of Article L. 321-2 of the Monetary and Financial Code;
8° Contracts that are the expression of an agreement reached before a court;
9° Contracts resulting from a conventional recovery plan mentioned in Article L. 732-1 concluded before the commission de surendettement des particuliers;
10° Agreements relating to payment terms granted for the amicable settlement of an existing debt, provided that no additional costs to those stipulated in the contract are charged to the consumer;
11° Cards offering a deferred debit not exceeding forty days and incurring no costs other than the fee linked to the benefit of this means of payment.
11° Agreements relating to payment terms granted for the amicable settlement of an existing debt, provided that no additional costs to those stipulated in the contract are charged to the consumer;
11° Cards offering a deferred debit not exceeding forty days and incurring no costs other than the fee linked to the benefit of this means of payment.
