French Consumer Code
In forceFor the application of the provisions of Article L. 312-85, the lender or credit intermediary shall provide the borrower, in a clear and legible manner, with information concerning:
1° The identity and address of the creditor and, where applicable, the identity and address of the credit intermediary involved;
2° The type of credit ;
3° The amount of the authorisation;
4° The duration of the credit agreement;
> and
6° The charges applicable from the time the credit agreement is concluded and, where applicable, the conditions under which these charges may be amended;
7° The annual percentage rate of charge, using a representative example setting out all the assumptions used to calculate this rate;
and
8° The terms and conditions under which the contract may be terminated;
> and
9° Where applicable, an indication that the borrower may be asked to repay the full amount of the credit at any time;
10° The charges and the method of calculating the charges that the creditor may request from the borrower in the event of default;
> and
11° The period during which the creditor is bound by the pre-contractual information.
This information may be presented in accordance with the form attached as an appendix to this code.
Article R312-32
French Consumer CodeIn force
Updated 7 Nov 2023
