{"id":7353,"date":"2023-01-20T05:47:00","date_gmt":"2023-01-20T04:47:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/produits-bancaires-a-destination-des-mineurs-renforcer-lencadrement\/"},"modified":"2023-01-20T05:47:00","modified_gmt":"2023-01-20T04:47:00","slug":"produits-bancaires-a-destination-des-mineurs-renforcer-lencadrement","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/produits-bancaires-a-destination-des-mineurs-renforcer-lencadrement\/","title":{"rendered":"Produits bancaires \u00e0 destination des mineurs : renforcer l\u2019encadrement"},"content":{"rendered":"<p >L\u2019Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution (ACPR) a d\u00e9cid\u00e9 de s\u2019int\u00e9resser aux produits bancaires \u00e0 destination des mineurs de 12 \u00e0 17 ans. Les r\u00e9sultats de son \u00e9tude, men\u00e9e aupr\u00e8s des acteurs du march\u00e9, l\u2019am\u00e8nent \u00e0 proposer quelques adaptations\u2026<\/p>\n<div>\n<h2>Produits bancaires : renforcer la protection des mineurs<\/h2>\n<p>L\u2019Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution (ACPR) est l\u2019autorit\u00e9 administrative en charge de l\u2019encadrement des organismes bancaires et d\u2019assurances en France.<\/p>\n<p>Dans sa mission de r\u00e9gulation, l\u2019ACPR a r\u00e9cemment men\u00e9 une enqu\u00eate aupr\u00e8s de 12 prestataires de paiements, pour passer en revue les produits bancaires propos\u00e9s aux mineurs de 12 \u00e0 17 ans.<\/p>\n<p>L\u2019ACPR part du constat qu\u2019environ 15 % des comptes bancaires sont d\u00e9tenus par des mineurs, et que plus de la moiti\u00e9 de ceux-ci sont accompagn\u00e9s de cartes bancaires, dont certaines peuvent entra\u00eener des d\u00e9couverts non autoris\u00e9s.<\/p>\n<p>En plus de cela, elle constate que de nombreuses d\u00e9marches pouvant s\u2019av\u00e9rer pr\u00e9judiciables aux mineurs leur sont accessibles sans contr\u00f4le d\u2019un repr\u00e9sentant l\u00e9gal. Il peut s\u2019agir de d\u00e9p\u00f4t de ch\u00e8que, de capacit\u00e9 \u00e0 effectuer des virements ou \u00e0 modifier ses plafonds de retrait et de paiement, etc.<\/p>\n<p>L\u2019ACPR appelle donc les organismes bancaires concern\u00e9s \u00e0 renforcer la protection des clients mineurs, en adaptant les produits propos\u00e9s et en rendant n\u00e9cessaire l\u2019accord d\u2019un repr\u00e9sentant l\u00e9gal pour les d\u00e9marches les plus sensibles.<\/p>\n<p>Source : Communiqu\u00e9 de l\u2019ACPR du 10 janvier 2023 : \u00ab Offres bancaires \u00e0 destination des mineurs : l\u2019Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution (ACPR) identifie des manquements et des points d\u2019am\u00e9lioration \u00bb<\/p>\n<p><a title=\"WebLex - Produits bancaires : le \u00ab p\u00e9ril jeune \u00bb !\" href=\"https:\/\/www.weblex.fr\/weblex-actualite\/produits-bancaires-a-destination-des-mineurs-renforcer-lencadrement\" rel=\"nofollow noopener\" target=\"_blank\">Produits bancaires : le \u00ab p\u00e9ril jeune \u00bb !<\/a> \u00a9 Copyright WebLex &#8211; 2023<\/p>\n<\/div>\n<p><img src='https:\/\/www.weblex.fr\/images\/flux_actus\/enfantcarte.jpg'><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution (ACPR) a d\u00e9cid\u00e9 de s\u2019int\u00e9resser aux produits bancaires \u00e0 destination des mineurs de 12 \u00e0 17 ans. Les r\u00e9sultats de son \u00e9tude, men\u00e9e aupr\u00e8s des acteurs du march\u00e9, l\u2019am\u00e8nent \u00e0 proposer quelques adaptations\u2026<\/p>\n","protected":false},"author":0,"featured_media":7354,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-7353","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>Produits bancaires \u00e0 destination des mineurs : renforcer l\u2019encadrement - 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\/produits-bancaires-a-destination-des-mineurs-renforcer-lencadrement\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Produits bancaires \u00e0 destination des mineurs : renforcer l\u2019encadrement - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"L\u2019Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution (ACPR) a d\u00e9cid\u00e9 de s\u2019int\u00e9resser aux produits bancaires \u00e0 destination des mineurs de 12 \u00e0 17 ans. 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