{"id":6990,"date":"2022-11-17T05:45:00","date_gmt":"2022-11-17T04:45:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/"},"modified":"2022-11-17T05:45:00","modified_gmt":"2022-11-17T04:45:00","slug":"credits-a-la-consommation-la-dgccrf-enquete","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/","title":{"rendered":"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate"},"content":{"rendered":"<p >Pour r\u00e9pondre aux attentes des consommateurs \u00e0 l\u2019\u00e8re du \u00ab tout num\u00e9rique \u00bb, les entreprises qui proposent des cr\u00e9dits \u00e0 la consommation doivent sans cesse travailler sur des offres innovantes\u2026 sans pour autant perdre de vue la r\u00e9glementation (contraignante) qu&#8217;elles se doivent de respecter. Une situation qui ne peut qu\u2019attirer l\u2019attention de la DGCCRF\u2026<\/p>\n<div>\n<h2>Cr\u00e9dits \u00e0 la consommation : encore une marge de progression !<\/h2>\n<p>Une enqu\u00eate men\u00e9e en 2020 par la Direction g\u00e9n\u00e9rale de la concurrence, de la consommation et de la r\u00e9pression des fraudes (DGCCRF) a permis de v\u00e9rifier la conformit\u00e9 des pratiques des \u00e9tablissements de cr\u00e9dit, soci\u00e9t\u00e9s de financement, ainsi que des interm\u00e9diaires en op\u00e9rations de banque et services de paiement au regard de la r\u00e9glementation en mati\u00e8re de cr\u00e9dit \u00e0 la consommation.<\/p>\n<p>Cette enqu\u00eate a r\u00e9v\u00e9l\u00e9 que :<\/p>\n<ul>\n<li>certaines publicit\u00e9s, notamment sur des sites internet et sur des r\u00e9seaux sociaux ne contenaient pas toujours l\u2019ensemble des mentions obligatoires, comme \u00ab Un cr\u00e9dit vous engage et doit \u00eatre rembours\u00e9. V\u00e9rifiez vos capacit\u00e9s de remboursement avant de vous engager \u00bb ;<\/li>\n<li>l\u2019information pr\u00e9contractuelle d\u00e9livr\u00e9e est souvent insuffisante lorsque la finalisation du contrat se fait \u00e0 distance ou en agence, par voie d\u00e9mat\u00e9rialis\u00e9e (usage d\u2019une tablette num\u00e9rique par exemple) ;<\/li>\n<li>les professionnels concern\u00e9s sont form\u00e9s \u00e0 la distribution de cr\u00e9dits \u00e0 la consommation mais demeurent d\u00e9faillants au sujet de la d\u00e9livrance de l\u2019information pr\u00e9contractuelle.<\/li>\n<\/ul>\n<p>Sur 132 \u00e9tablissements cibl\u00e9s, 12 avertissements ont \u00e9t\u00e9 prononc\u00e9s, 5 injonctions r\u00e9alis\u00e9es et 3 proc\u00e8s-verbaux dress\u00e9s.<\/p>\n<p><span style=\"text-decoration: underline;\">Source<\/span> : R\u00e9sultat d\u2019enqu\u00eate de la DGCCRF du 14 novembre 2022 : \u00ab Enqu\u00eate sur la transformation num\u00e9rique en mati\u00e8re de cr\u00e9dit \u00e0 la consommation \u00bb<\/p>\n<p><a title=\"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate\" href=\"https:\/\/www.weblex.fr\/weblex-actualite\/credits-a-la-consommation-la-dgccrf-enquete\" rel=\"nofollow noopener\" target=\"_blank\">Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate <\/a>\u00a9 Copyright WebLex &#8211; 2022<\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/numerique.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pour r\u00e9pondre aux attentes des consommateurs \u00e0 l\u2019\u00e8re du \u00ab tout num\u00e9rique \u00bb, les entreprises qui proposent des cr\u00e9dits \u00e0 la consommation doivent sans cesse travailler sur des offres innovantes\u2026 sans pour autant perdre de vue la r\u00e9glementation (contraignante) qu\u2019elles se doivent de respecter. Une situation qui ne peut qu\u2019attirer l\u2019attention de la DGCCRF\u2026<\/p>\n","protected":false},"author":0,"featured_media":3221,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-6990","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actu-juridique","category-actualites"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate - Cabinet Magar<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Pour r\u00e9pondre aux attentes des consommateurs \u00e0 l\u2019\u00e8re du \u00ab tout num\u00e9rique \u00bb, les entreprises qui proposent des cr\u00e9dits \u00e0 la consommation doivent sans cesse travailler sur des offres innovantes\u2026 sans pour autant perdre de vue la r\u00e9glementation (contraignante) qu\u2019elles se doivent de respecter. Une situation qui ne peut qu\u2019attirer l\u2019attention de la DGCCRF\u2026\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/\" \/>\n<meta property=\"og:site_name\" content=\"Cabinet Magar\" \/>\n<meta property=\"article:published_time\" content=\"2022-11-17T04:45:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Gesch\u00e4tzte Lesezeit\" \/>\n\t<meta name=\"twitter:data1\" content=\"2\u00a0Minuten\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate\",\"datePublished\":\"2022-11-17T04:45:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/\"},\"wordCount\":319,\"commentCount\":0,\"image\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg\",\"articleSection\":[\"Actu Juridique\",\"Actualit\u00e9s\"],\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/\",\"url\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/\",\"name\":\"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate - Cabinet Magar\",\"isPartOf\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg\",\"datePublished\":\"2022-11-17T04:45:00+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#breadcrumb\"},\"inLanguage\":\"de\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"de\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#primaryimage\",\"url\":\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg\",\"contentUrl\":\"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg\",\"width\":600,\"height\":400},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.cabinet-magar.fr\/de\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cabinet-magar.fr\/#website\",\"url\":\"https:\/\/www.cabinet-magar.fr\/\",\"name\":\"Cabinet Magar\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cabinet-magar.fr\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"de\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate - Cabinet Magar","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/","og_locale":"de_DE","og_type":"article","og_title":"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate - Cabinet Magar","og_description":"Pour r\u00e9pondre aux attentes des consommateurs \u00e0 l\u2019\u00e8re du \u00ab tout num\u00e9rique \u00bb, les entreprises qui proposent des cr\u00e9dits \u00e0 la consommation doivent sans cesse travailler sur des offres innovantes\u2026 sans pour autant perdre de vue la r\u00e9glementation (contraignante) qu\u2019elles se doivent de respecter. Une situation qui ne peut qu\u2019attirer l\u2019attention de la DGCCRF\u2026","og_url":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/","og_site_name":"Cabinet Magar","article_published_time":"2022-11-17T04:45:00+00:00","og_image":[{"width":600,"height":400,"url":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_misc":{"Gesch\u00e4tzte Lesezeit":"2\u00a0Minuten"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#article","isPartOf":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/"},"author":{"name":"","@id":""},"headline":"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate","datePublished":"2022-11-17T04:45:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/"},"wordCount":319,"commentCount":0,"image":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg","articleSection":["Actu Juridique","Actualit\u00e9s"],"inLanguage":"de","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/","url":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/","name":"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate - Cabinet Magar","isPartOf":{"@id":"https:\/\/www.cabinet-magar.fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#primaryimage"},"image":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg","datePublished":"2022-11-17T04:45:00+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#breadcrumb"},"inLanguage":"de","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/"]}]},{"@type":"ImageObject","inLanguage":"de","@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#primaryimage","url":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg","contentUrl":"https:\/\/www.cabinet-magar.fr\/wp-content\/uploads\/2021\/03\/numerique.jpg","width":600,"height":400},{"@type":"BreadcrumbList","@id":"https:\/\/www.cabinet-magar.fr\/actualites\/credits-a-la-consommation-la-dgccrf-enquete\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.cabinet-magar.fr\/de\/"},{"@type":"ListItem","position":2,"name":"Cr\u00e9dits \u00e0 la consommation : la DGCCRF enqu\u00eate"}]},{"@type":"WebSite","@id":"https:\/\/www.cabinet-magar.fr\/#website","url":"https:\/\/www.cabinet-magar.fr\/","name":"Cabinet Magar","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cabinet-magar.fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"de"}]}},"_links":{"self":[{"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/posts\/6990","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/comments?post=6990"}],"version-history":[{"count":0,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/posts\/6990\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/media\/3221"}],"wp:attachment":[{"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/media?parent=6990"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/categories?post=6990"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.cabinet-magar.fr\/de\/wp-json\/wp\/v2\/tags?post=6990"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}