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13 april 2015

Significant events in 2014 : customer relationships



The French National SEPA Committee, chaired by the Banque de France and the FBF, calls for the immediate migration to SEPA payment instruments.


A decree simplifies the procedures for dealing with excessive personal indebtedness.


  • The Consumer Affairs Act introduces class action lawsuits under French law and amends the borrowers' insurance scheme.
  • A decree establishes the naming for essential fees and bank services.
  • The FBF launches a new website: lesclesdelamediationbancaire.com


The FBF attends the International Conference on financial education hosted by the Francophone Banking Union in Brussels.


Mediation with the FBF publishes its annual report and announces the go-live of its website, lemediateur.fbf.fr.


The Act of 13 June 2014 respecting inactive bank accounts and unclaimed life insurance contracts will come into effect on 1 January 2016.


The FBF produces a video together with the Central Command of the Judicial Police aiming at preventing internationl credit transfer fraud.


After the deadline of 1 August 2014 for migrating to SEPA, only SEPA credit transfers and direct debits can be used in the future.


The Financial Inclusion Observatory created by the Banking Act of 26 July 2013 is established.


The decree of 30 June 2014 on the special service offer for persons in precarious financial situations comes into force.


The financial incusion and excessive indebtedness prevention Charter of French Association of Credit Institutions and Investment Companies (AFECEI) is published.


  • The regulation of 26 November 2014 on key information documents for Packaged Retail and Insurance-based Investment Products (PRIIPs) is published.
  • A European agreement on a regulation providing a framework for interchange fees for payment cards is concluded.
  • The report on bank account number portability is submitted to the French Government.
  • In connection with the negotiations on the PSD2 Directive, the banking profession calls to safeguard security and user convenience in payments.

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