{"id":8943,"date":"2023-10-11T00:00:00","date_gmt":"2023-10-10T22:00:00","guid":{"rendered":"https:\/\/www.cabinet-magar.fr\/actualites\/enquetes-de-la-dgccrf-en-matiere-bancaire-quel-bilan\/"},"modified":"2023-10-11T00:00:00","modified_gmt":"2023-10-10T22:00:00","slug":"enquetes-de-la-dgccrf-en-matiere-bancaire-quel-bilan","status":"publish","type":"post","link":"https:\/\/www.cabinet-magar.fr\/de\/actualites\/enquetes-de-la-dgccrf-en-matiere-bancaire-quel-bilan\/","title":{"rendered":"Enqu\u00eates de la DGCCRF en mati\u00e8re bancaire : quel bilan ?"},"content":{"rendered":"<p>Avertissements, injonctions, proc\u00e8s-verbaux administratifs et p\u00e9naux : la DGCCRF a enqu\u00eat\u00e9, contr\u00f4l\u00e9 et sanctionn\u00e9 les m\u00e9connaissances de la r\u00e9glementation bancaire de certains \u00e9tablissements. \u00c0 quels niveaux ? Revue de d\u00e9tails\u2026<\/p>\n<h2>Banques et \u00e9tablissements de cr\u00e9dit : un bilan mitig\u00e9<\/h2>\n<p>La Direction g\u00e9n\u00e9rale de la concurrence, de la consommation et de la r\u00e9pression des fraudes (DGCCRF) a r\u00e9cemment publi\u00e9 le bilan de ses enqu\u00eates sur les pratiques des banques et \u00e9tablissements de cr\u00e9dit.<\/p>\n<p>Les enqu\u00eates en question portaient notamment sur :<\/p>\n<ul>\n<li>les frais bancaires et la non-discrimination \u00e0 l\u2019IBAN ;<\/li>\n<li>les paiements fractionn\u00e9s, le regroupement de cr\u00e9dits et l\u2019aide \u00e0 la sortie du surendettement.<\/li>\n<\/ul>\n<p>Sur le plan de l\u2019information tarifaire des consommateurs, la DGCCRF n\u2019a pas constat\u00e9 de d\u00e9rives particuli\u00e8res hormis le d\u00e9faut de mise \u00e0 disposition du document d\u2019information tarifaire.<\/p>\n<p>En revanche, la facturation de frais d\u2019irr\u00e9gularit\u00e9s de fonctionnement du compte et de commissions d\u2019intervention reste un aspect de la r\u00e9glementation que les \u00e9tablissements contr\u00f4l\u00e9s m\u00e9connaissent.<\/p>\n<p>Il en va de m\u00eame pour la non-discrimination \u00e0 l\u2019IBAN : la DGCCRF rappelle que \u00ab [\u2026] lorsqu\u2019un professionnel accepte des virements ou utilise des pr\u00e9l\u00e8vements en euros, il lui est interdit d\u2019exiger d\u2019un client qui le paye par virement ou pr\u00e9l\u00e8vement que son compte soit domicili\u00e9 en France \u00bb.<\/p>\n<p>Malgr\u00e9 cette interdiction, les cas de discrimination \u00e0 raison de l\u2019IBAN des payeurs persistent : des consommateurs continuent en effet de rapporter des refus de paiement par virement ou pr\u00e9l\u00e8vement depuis un compte bancaire situ\u00e9 dans un autre \u00c9tat membre de l\u2019Union europ\u00e9enne.<\/p>\n<p>Des contr\u00f4les ont par ailleurs \u00e9t\u00e9 r\u00e9alis\u00e9s sur les nouvelles modalit\u00e9s de financement de la consommation : offres de paiement en plusieurs fois, paiements diff\u00e9r\u00e9s, mini-cr\u00e9dits, etc. La majorit\u00e9 des infractions relev\u00e9es \u00e0 ce sujet concernait le non-respect des dispositions relatives \u00e0 la loyaut\u00e9 de l\u2019information donn\u00e9e lors de la conclusion ou de l\u2019ex\u00e9cution des contrats.<\/p>\n<p>Le regroupement de cr\u00e9dits, pratique consistant \u00e0 regrouper un ensemble de contrats de cr\u00e9dits sous un seul et unique cr\u00e9dit, a \u00e9galement fait l\u2019objet de contr\u00f4les.<\/p>\n<p>Des anomalies ont \u00e9t\u00e9 constat\u00e9es, notamment sur les supports publicitaires pr\u00e9sentant parfois des comparaisons du montant des \u00e9ch\u00e9ances avant \/ apr\u00e8s regroupement, sans pr\u00e9ciser le co\u00fbt total de l\u2019endettement, alors qu\u2019il s\u2019agit ici d\u2019une information essentielle pour que le consommateur puisse prendre une d\u00e9cision.<\/p>\n<div>Sources :  <\/p>\n<ul>\n<li><a href=\"https:\/\/www.economie.gouv.fr\/dgccrf\/banques-et-etablissements-de-credit-bilan-des-enquetes-de-la-dgccrf-sur-leurs-pratiques\" rel=\"noopener\" target=\"_blank\">R\u00e9sultat d&#8217;enqu\u00eate de la DGCCRF du 21 septembre 2023 : \u00ab Banques et \u00e9tablissements de cr\u00e9dit : bilan des enqu\u00eates de la DGCCRF sur leurs pratiques \u00bb<\/a><\/li>\n<\/ul>\n<\/div>\n<p><a href=\"https:\/\/www.weblex.fr\/weblex-actualite\/enquetes-de-la-dgccrf-en-matiere-bancaire-quel-bilan\" target=\"_blank\" rel=\"noopener\">Enqu\u00eates de la DGCCRF en mati\u00e8re bancaire : quel bilan ?<\/a> &#8211; \u00a9 Copyright WebLex<\/p>\n<p><img decoding=\"async\" src=\"https:\/\/www.weblex.fr\/sites\/default\/files\/actualites\/images\/banque.jpg\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Avertissements, injonctions, proc\u00e8s-verbaux administratifs et p\u00e9naux : la DGCCRF a enqu\u00eat\u00e9, contr\u00f4l\u00e9 et sanctionn\u00e9 les m\u00e9connaissances de la r\u00e9glementation bancaire de certains \u00e9tablissements. \u00c0 quels niveaux ? Revue de d\u00e9tails\u2026<\/p>\n","protected":false},"author":0,"featured_media":8944,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[9,7],"tags":[],"class_list":["post-8943","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>Enqu\u00eates de la DGCCRF en mati\u00e8re bancaire : quel bilan ? - 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\/enquetes-de-la-dgccrf-en-matiere-bancaire-quel-bilan\/\" \/>\n<meta property=\"og:locale\" content=\"de_DE\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Enqu\u00eates de la DGCCRF en mati\u00e8re bancaire : quel bilan ? - Cabinet Magar\" \/>\n<meta property=\"og:description\" content=\"Avertissements, injonctions, proc\u00e8s-verbaux administratifs et p\u00e9naux : la DGCCRF a enqu\u00eat\u00e9, contr\u00f4l\u00e9 et sanctionn\u00e9 les m\u00e9connaissances de la r\u00e9glementation bancaire de certains \u00e9tablissements. \u00c0 quels niveaux ? 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