Paragraph 1: Account rights and customer relations

Articles in this section · 1

Article R753-1

French Monetary and Financial CodeIn force

Updated 5 Nov 2023

I. - Subject to the adaptations provided for in II and III, the provisions of the articles mentioned in the left-hand column of the table below shall apply in French Polynesia, in the wording indicated in the right-hand column of the same table:


Applicable articles

In the wording resulting from the decree

R. 312-1

No. 2018-229 of 30 March 2018

R. 312-1-2

no. 2018-970 of 8 November 2018

R. 312-4-1

n° 2013-931 of 17 October 2013

R. 312-4-2

n° 2016-1811 of 22 December 2016

R. 312-4-3

n° 2020-889 of 20 July 2020

R. 312-4-4

n° 2018-229 of 30 March 2018

R. 312-6, R. 312-6-1 and R. 312-7

n° 2022-347 of 11 March 2022

R. 312-7-1

n° 2022-1230 of 14 September 2022

R. 312-8-1

n° 2022-347 of 11 March 2022

II. - For the application of I:
1° In article R. 312-4-3:
a) In 2° of B of I, the words: "pursuant to article L. 722-1 of the French Consumer Code, as well as those benefiting from measures to deal with their overindebtedness, for the duration of their registration in the file provided for in article L. 751-1 of the French Consumer Code" are replaced by the words: "and those benefiting from measures to deal with their situation of overindebtedness, for the duration of their registration in the national file recording information on serious payment incidents provided for in article L. 771-7 of the French Consumer Code";
b) 4° of III is replaced by the following:
"4° Four monthly local or SEPA-COM-Pacific credit transfers, including at least one standing order, and an unlimited number of local or SEPA-COM-Pacific direct debits";
c) In IV, the words "INSEE consumer price index" are replaced by the words "locally calculated consumer price index".
2° In article R. 312-4-4:
a) All occurrences of the words: "ten days" are replaced by the words: "twenty days";
b) The words: "twenty days" are replaced by the words: "forty days";
c) The words: "five days" are replaced by the words: "ten days";
3° In articles R. 312-7 and R. 312-8-1, each occurrence of the words: "the Banque de France" is replaced by the words: "the Institut d'émission d'outre-mer".
III. - Articles R. 312-1-2 and R. 312-4-1 to R. 312-8-1 are applicable to the Office des postes et télécommunications.

Mariela Petrova

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Common Questions

Working with a corporate lawyer in France — Q&A

Any time a strategic decision changes how the company is owned, governed or contractually bound — incorporation, fundraising, M&A, restructuring, shareholder agreements, or major commercial contracts. Earlier engagement always costs less than later remediation.

A notary (notaire) is a public officer who authenticates specific deeds (mainly real-estate transfers and certain family-law acts). A corporate lawyer (avocat) advises on strategy, negotiates and drafts company documents, and represents you in disputes. The two roles complement rather than overlap.

Yes — most of our clients are foreign suppliers, investors or holding entities. We bridge the gap between French law and your home jurisdiction's expectations and deliver everything bilingually.

The SAS (Société par Actions Simplifiée) is the default choice for most international structures: flexible governance, single shareholder allowed, no minimum capital, and works cleanly with foreign holding entities. We assess SARL, SA, SCI on the merits when the situation calls for it.

Yes — communications with a French avocat are protected by the secret professionnel (Article 66-5 of the Law of 31 December 1971). This protection is broader than the common-law attorney-client privilege and applies to written and oral exchanges.

We work on fixed fees for clearly scoped engagements (incorporation, contract drafting, audits) and on monthly retainers for ongoing advisory. Hourly billing is the exception, not the default. You always know the cost before work starts.

Typical timeline is 2–3 weeks from KYC kick-off to RCS registration, assuming standard documentation. Holding-company structures, foreign-shareholder identification or in-kind contributions can extend this — we flag the gating items at the first meeting.

Absolutely. We routinely coordinate with your in-house counsel, expert-comptable or notaire — pragmatic collaboration is the norm, not the exception. We send them everything they need to do their part without duplicating work.

Mariela Petrova

Mariela Petrova

Avocate au Barreau de Paris

Toque #C2396

15+ Years In Corporate Practice

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Communications protected by professional secrecy — secret professionnel de l'avocat, Article 66-5 of the Law of 31 December 1971.

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