{ "article": { "LEGIARTI000022420577": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "6", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022420577", "URL": "article/LEGI/ARTI/00/00/22/42/05/LEGIARTI000022420577.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGISCTA000022422355", "#text": "Code de la consommation - Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité. (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435067", "@num": "L311-10", "#text": "Code de la consommation - art. L311-10 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435065", "@num": "L311-10-1", "#text": "Code de la consommation - art. L311-10-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022422383", "@num": "L311-8", "#text": "Code de la consommation - art. L311-8 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022422396", "@num": "L311-8-1", "#text": "Code de la consommation - art. L311-8-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022422403", "@num": "L311-9", "#text": "Code de la consommation - art. L311-9 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435063", "@num": "L313-11", "#text": "Code de la consommation - art. L313-11 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000022420515", "@fin": "2999-01-01", "#text": "CHAPITRE III : CONDITIONS DE FORMATION DU CONTRAT", "@debut": "2010-07-03" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000022420525", "@fin": "2999-01-01", "#text": "TITRE IER : CREDIT A LA CONSOMMATION", "@debut": "2010-07-03" } ] }, "@cid": "JORFTEXT000022419094", "@nor": "ECEX0906890L", "@num": "2010-737", "@nature": "LOI", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "LOI n° 2010-737 du 1er juillet 2010 portant réforme du crédit à la consommation (1)", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000022419094", "@c_titre_court": "LOI n°2010-737 du 1er juillet 2010" }, { "@fin": "2999-01-01", "#text": "LOI n° 2010-737 du 1er juillet 2010 portant réforme du crédit à la consommation (1)", "@debut": "2010-07-03", "@id_txt": "LEGITEXT000022420506", "@c_titre_court": "LOI n° 2010-737 du 1er juillet 2010" } ], "@date_publi": "2010-07-02", "@date_signature": "2010-07-01" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000022420577", "@fin": "2999-01-01", "@num": "6", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000022419293", "@fin": "2999-01-01", "@num": "6", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code de la consommation
\n Sct. Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité., Art. L311-8, Art. L311-8-1, Art. L311-9, Art. L311-10, Art. L311-10-1, Art. L313-11\n
\n

\n
\n
" } }, "LEGIARTI000022422383": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L311-8", "ETAT": "ABROGE", "TYPE": "AUTONOME", "DATE_FIN": "2016-07-01", "DATE_DEBUT": "2011-05-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022422383", "URL": "article/LEGI/ARTI/00/00/22/42/23/LEGIARTI000022422383.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006505663", "@num": "5", "#text": "Loi n°78-22 du 10 janvier 1978 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000886461", "@numtexte": "78-22", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1978-01-10" }, { "@id": "LEGIARTI000022420577", "@num": "6", "#text": "LOI n°2010-737 du 1er juillet 2010 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CREE", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGITEXT000024969870", "#text": "Décret n°2011-1871 du 13 décembre 2011 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000024968274", "@nortexte": "EFIT1113002D", "@numtexte": "2011-1871", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-12-13" }, { "@id": "LEGIARTI000032216175", "@num": "34", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art. 34 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "ABROGE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000024969969", "@num": "D311-4-3", "#text": "Code de la consommation - art. D311-4-3 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292400", "@num": "L311-10", "#text": "Code de la consommation - art. L311-10", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292378", "@num": "L311-2", "#text": "Code de la consommation - art. L311-2", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292428", "@num": "L311-34", "#text": "Code de la consommation - art. L311-34 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022434550", "@num": "L311-48", "#text": "Code de la consommation - art. L311-48 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292387", "@num": "L311-6", "#text": "Code de la consommation - art. L311-6", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226174", "@num": "L312-14", "#text": "Code de la consommation - art. L312-14 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032301639", "@num": "L314-25", "#text": "Code de la consommation - art. L314-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006293021", "@num": "R311-6", "#text": "Code de la consommation - art. R*311-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025215629", "@num": "R519-7", "#text": "Code monétaire et financier - art. R519-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000026848440", "@num": "R755-4-2", "#text": "Code monétaire et financier - art. R755-4-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006904411", "@num": "L6353-1", "#text": "Code du travail - art. L6353-1", "@sens": "source", "@cidtexte": "LEGITEXT000006072050", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006161857", "@fin": "2011-05-01", "#text": "Section 4 : Le contrat de crédit.", "@debut": "1993-07-27" }, { "@id": "LEGISCTA000022422355", "@fin": "2016-07-01", "#text": "Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité", "@debut": "2011-05-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006146578", "@fin": "2016-07-01", "#text": "Chapitre Ier : Crédit à la consommation", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133626", "@fin": "2017-07-01", "#text": "Titre Ier : Crédit", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006114373", "@fin": "2017-07-01", "#text": "Livre III : Endettement", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006084133", "@fin": "2017-07-01", "#text": "Partie législative", "@debut": "1993-07-27" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292393", "@fin": "2011-05-01", "@num": "L311-8", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000022422383", "@fin": "2016-07-01", "@num": "L311-8", "@etat": "ABROGE", "@debut": "2011-05-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Le prêteur ou l'intermédiaire de crédit fournit à l'emprunteur les explications lui permettant de déterminer si le contrat de crédit proposé est adapté à ses besoins et à sa situation financière, notamment à partir des informations contenues dans la fiche mentionnée à l'article L. 311-6. Il attire l'attention de l'emprunteur sur les caractéristiques essentielles du ou des crédits proposés et sur les conséquences que ces crédits peuvent avoir sur sa situation financière, y compris en cas de défaut de paiement. Ces informations sont données, le cas échéant, sur la base des préférences exprimées par l'emprunteur.

Lorsque le crédit est proposé sur un lieu de vente, le prêteur veille à ce que l'emprunteur reçoive ces explications de manière complète et appropriée sur le lieu même de la vente, dans des conditions garantissant la confidentialité des échanges.

Les personnes chargées de fournir à l'emprunteur les explications sur le crédit proposé et de recueillir les informations nécessaires à l'établissement de la fiche prévue à l'article L. 311-10 sont formées à la distribution du crédit à la consommation et à la prévention du surendettement. L'employeur de ces personnes tient à disposition, à des fins de contrôle, l'attestation de formation mentionnée à l'article L. 6353-1 du code du travail établie par un des prêteurs dont les crédits sont proposés sur le lieu de vente ou par un organisme de formation enregistré. Un décret définit les exigences minimales auxquelles doit répondre cette formation.

\n
\n
\n
" } }, "LEGIARTI000022422396": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L311-8-1", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2011-05-01", "DATE_DEBUT": "2011-05-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022422396", "URL": "article/LEGI/ARTI/00/00/22/42/23/LEGIARTI000022422396.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000022420577", "@num": "6", "#text": "LOI n°2010-737 du 1er juillet 2010 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CREE", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGITEXT000023154142", "#text": "Décret n°2010-1462\n du 30 novembre 2010 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000023152783", "@nortexte": "EFIT1027553D", "@numtexte": "2010-1462", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-11-30" }, { "@id": "LEGITEXT000030362374", "#text": "DÉCRET n°2015-293 du 16 mars 2015 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000030361634", "@nortexte": "FCPT1423044D", "@numtexte": "2015-293", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2015-03-16" }, { "@id": "LEGIARTI000030368770", "@num": "D311-10-1", "#text": "Code de la consommation - art. D311-10-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006161857", "@fin": "2011-05-01", "#text": "Section 4 : Le contrat de crédit.", "@debut": "1993-07-27" }, { "@id": "LEGISCTA000022422355", "@fin": "2016-07-01", "#text": "Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité", "@debut": "2011-05-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006146578", "@fin": "2016-07-01", "#text": "Chapitre Ier : Crédit à la consommation", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133626", "@fin": "2017-07-01", "#text": "Titre Ier : Crédit", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006114373", "@fin": "2017-07-01", "#text": "Livre III : Endettement", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006084133", "@fin": "2017-07-01", "#text": "Partie législative", "@debut": "1993-07-27" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022422396", "@fin": "2011-05-01", "@num": "L311-8-1", "@etat": "MODIFIE", "@debut": "2011-05-01", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000032237425", "@fin": "2016-07-01", "@num": "L311-8-1", "@etat": "ABROGE", "@debut": "2011-05-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000028748057", "@fin": "2016-07-01", "@num": "L311-8-1", "@etat": "MODIFIE_MORT_NE", "@debut": "2222-02-22", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Lorsqu'un prêteur ou un intermédiaire de crédit propose au consommateur, sur le lieu de vente ou par un moyen de vente à distance, un contrat de crédit pour financer l'achat de biens ou de prestations de services particuliers pour un montant supérieur à un seuil fixé par décret, le consommateur doit disposer de la possibilité de conclure un contrat de crédit amortissable à la place d'un contrat de crédit renouvelable.

" } }, "LEGIARTI000022422403": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L311-9", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2012-03-24", "DATE_DEBUT": "2011-05-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022422403", "URL": "article/LEGI/ARTI/00/00/22/42/24/LEGIARTI000022422403.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006505663", "@num": "5", "#text": "Loi n°78-22 du 10 janvier 1978 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000886461", "@numtexte": "78-22", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1978-01-10" }, { "@id": "LEGITEXT000005765469", "#text": "Décret n°2004-202 du 4 mars 2004", "@sens": "cible", "@cidtexte": "JORFTEXT000000800623", "@nortexte": "ECOT0414383D", "@numtexte": "2004-202", "@typelien": "TXT_SOURCE", "@naturetexte": "DECRET", "@datesignatexte": "2004-03-04" }, { "@id": "LEGIARTI000006229168", "@num": "1", "#text": "Décret n°2004-202 du 4 mars 2004 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000800623", "@nortexte": "ECOT0414383D", "@numtexte": "2004-202", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2004-03-04" }, { "@id": "LEGIARTI000006229168", "@num": "1", "#text": "Décret n°2004-202 du 4 mars 2004 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000800623", "@nortexte": "ECOT0414383D", "@numtexte": "2004-202", "@typelien": "TXT_SOURCE", "@naturetexte": "DECRET", "@datesignatexte": "2004-03-04" }, { "@id": "LEGIARTI000006289820", "@num": "Annexe", "#text": "Décret n°2004-202 du 4 mars 2004 - art. Annexe (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000800623", "@nortexte": "ECOT0414383D", "@numtexte": "2004-202", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2004-03-04" }, { "@id": "LEGIARTI000022420577", "@num": "6", "#text": "LOI n°2010-737 du 1er juillet 2010 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CREE", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000006298145", "@num": "46 AU", "#text": "CODE GENERAL DES IMPOTS ANNEXE 3, CGIAN3. - art. 46 AU (P)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069574", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006298146", "@num": "46 AV", "#text": "CODE GENERAL DES IMPOTS ANNEXE 3, CGIAN3. - art. 46 AV (P)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069574", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006298147", "@num": "46 AW", "#text": "CODE GENERAL DES IMPOTS ANNEXE 3, CGIAN3. - art. 46 AW (P)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069574", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006303321", "@num": "199 vicies", "#text": "CODE GENERAL DES IMPOTS, CGI. - art. 199 vicies (P)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069577", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006303370", "@num": "200 terdecies", "#text": "CODE GENERAL DES IMPOTS, CGI. - art. 200 terdecies (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069577", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022422791", "@num": "L311-14", "#text": "Code de la consommation - art. L311-14 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032237390", "@num": "L311-16", "#text": "Code de la consommation - art. L311-16 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022421800", "@num": "L311-9-1", "#text": "Code de la consommation - art. L311-9-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022441280", "@num": "L313-14", "#text": "Code de la consommation - art. L313-14 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022426021", "@num": "L333-5", "#text": "Code de la consommation - art. L333-5 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006161857", "@fin": "2011-05-01", "#text": "Section 4 : Le contrat de crédit.", "@debut": "1993-07-27" }, { "@id": "LEGISCTA000022422355", "@fin": "2016-07-01", "#text": "Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité", "@debut": "2011-05-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006146578", "@fin": "2016-07-01", "#text": "Chapitre Ier : Crédit à la consommation", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133626", "@fin": "2017-07-01", "#text": "Titre Ier : Crédit", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006114373", "@fin": "2017-07-01", "#text": "Livre III : Endettement", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006084133", "@fin": "2017-07-01", "#text": "Partie législative", "@debut": "1993-07-27" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292394", "@fin": "2002-06-12", "@num": "L311-9", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292395", "@fin": "2003-08-02", "@num": "L311-9", "@etat": "MODIFIE", "@debut": "2002-06-12", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292396", "@fin": "2005-09-01", "@num": "L311-9", "@etat": "MODIFIE", "@debut": "2003-08-02", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292397", "@fin": "2011-05-01", "@num": "L311-9", "@etat": "MODIFIE", "@debut": "2005-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022422403", "@fin": "2012-03-24", "@num": "L311-9", "@etat": "MODIFIE", "@debut": "2011-05-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025577247", "@fin": "2013-07-28", "@num": "L311-9", "@etat": "MODIFIE", "@debut": "2012-03-24", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000027783363", "@fin": "2016-07-01", "@num": "L311-9", "@etat": "ABROGE", "@debut": "2013-07-28", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Avant de conclure le contrat de crédit, le prêteur vérifie la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à la demande du prêteur. Le prêteur consulte le fichier prévu à l'article L. 333-4, dans les conditions prévues par l'arrêté mentionné à l'article L. 333-5.

" } }, "LEGIARTI000022435063": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-11", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2014-03-19", "DATE_DEBUT": "2011-05-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022435063", "URL": "article/LEGI/ARTI/00/00/22/43/50/LEGIARTI000022435063.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006505840", "@num": "22-1", "#text": "Loi n°78-22 du 10 janvier 1978 - art. 22-1 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000886461", "@numtexte": "78-22", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1978-01-10" }, { "@id": "LEGIARTI000006508793", "@num": "30 A", "#text": "Loi n°79-596 du 13 juillet 1979 - art. 30 A (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000886678", "@numtexte": "79-596", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1979-07-13" }, { "@id": "LEGIARTI000022420577", "@num": "6", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000006293038", "@num": "R313-10", "#text": "Code de la consommation - art. R313-10 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006161908", "@fin": "2016-07-01", "#text": "Section 3 : Rémunération du vendeur", "@debut": "2006-03-24" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006146581", "@fin": "2016-10-01", "#text": "Chapitre III : Dispositions communes aux chapitres Ier et II", "@debut": "2006-03-24" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133626", "@fin": "2017-07-01", "#text": "Titre Ier : Crédit", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006114373", "@fin": "2017-07-01", "#text": "Livre III : Endettement", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006084133", "@fin": "2017-07-01", "#text": "Partie législative", "@debut": "1993-07-27" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292517", "@fin": "2006-03-24", "@num": "L313-11", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292518", "@fin": "2011-05-01", "@num": "L313-11", "@etat": "MODIFIE", "@debut": "2006-03-24", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022435063", "@fin": "2014-03-19", "@num": "L313-11", "@etat": "MODIFIE", "@debut": "2011-05-01", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000028748105", "@fin": "2016-07-01", "@num": "L313-11", "@etat": "ABROGE", "@debut": "2014-03-19", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Tout vendeur personne physique, salarié ou non d'un organisme bancaire ou de crédit, ne peut, en aucun cas, être rémunéré en fonction du taux du crédit ou du type de crédit qu'il a fait contracter à l'acheteur d'un bien mobilier ou immobilier.

\n
\n
" } }, "LEGIARTI000022435065": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L311-10-1", "ETAT": "ABROGE", "TYPE": "AUTONOME", "DATE_FIN": "2016-07-01", "DATE_DEBUT": "2011-05-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022435065", "URL": "article/LEGI/ARTI/00/00/22/43/50/LEGIARTI000022435065.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000022420577", "@num": "6", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CREE", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000023154277", "@num": "1", "#text": "Arrêté du 30 novembre 2010 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000023153071", "@nortexte": "EFIT1027551A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-11-30" }, { "@id": "LEGIARTI000032216175", "@num": "34", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art. 34 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "ABROGE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000006292378", "@num": "L311-2", "#text": "Code de la consommation - art. L311-2", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022434561", "@num": "L311-49", "#text": "Code de la consommation - art. L311-49 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226172", "@num": "L312-15", "#text": "Code de la consommation - art. L312-15 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006161857", "@fin": "2011-05-01", "#text": "Section 4 : Le contrat de crédit.", "@debut": "1993-07-27" }, { "@id": "LEGISCTA000022422355", "@fin": "2016-07-01", "#text": "Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité", "@debut": "2011-05-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006146578", "@fin": "2016-07-01", "#text": "Chapitre Ier : Crédit à la consommation", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133626", "@fin": "2017-07-01", "#text": "Titre Ier : Crédit", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006114373", "@fin": "2017-07-01", "#text": "Livre III : Endettement", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006084133", "@fin": "2017-07-01", "#text": "Partie législative", "@debut": "1993-07-27" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000022435065", "@fin": "2016-07-01", "@num": "L311-10-1", "@etat": "ABROGE", "@debut": "2011-05-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Lorsque la conclusion d'une opération mentionnée à l'article L. 311-2 donne droit, ou peut donner droit, à titre gratuit, immédiatement ou à terme, à une prime en nature de produits ou biens, la valeur de cette prime ne peut être supérieure à un seuil fixé par arrêté du ministre chargé de l'économie.

" } }, "LEGIARTI000022435067": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L311-10", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2014-03-19", "DATE_DEBUT": "2011-05-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022435067", "URL": "article/LEGI/ARTI/00/00/22/43/50/LEGIARTI000022435067.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006505663", "@num": "5", "#text": "Loi n°78-22 du 10 janvier 1978 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000886461", "@numtexte": "78-22", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1978-01-10" }, { "@id": "LEGIARTI000022420577", "@num": "6", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGITEXT000023154142", "#text": "Décret n°2010-1462\n du 30 novembre 2010 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000023152783", "@nortexte": "EFIT1027553D", "@numtexte": "2010-1462", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-11-30" }, { "@id": "LEGITEXT000006069565", "#text": "Code de la consommation", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000023527602", "@num": "D311-10-2", "#text": "Code de la consommation - art. D311-10-2 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000023527599", "@num": "D311-10-3", "#text": "Code de la consommation - art. D311-10-3 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000024969969", "@num": "D311-4-3", "#text": "Code de la consommation - art. D311-4-3 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292424", "@num": "L311-32", "#text": "Code de la consommation - art. L311-32", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292434", "@num": "L311-37", "#text": "Code de la consommation - art. L311-37", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022422383", "@num": "L311-8", "#text": "Code de la consommation - art. L311-8 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292521", "@num": "L313-13", "#text": "Code de la consommation - art. L313-13", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006161857", "@fin": "2011-05-01", "#text": "Section 4 : Le contrat de crédit.", "@debut": "1993-07-27" }, { "@id": "LEGISCTA000022422355", "@fin": "2016-07-01", "#text": "Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité", "@debut": "2011-05-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006146578", "@fin": "2016-07-01", "#text": "Chapitre Ier : Crédit à la consommation", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133626", "@fin": "2017-07-01", "#text": "Titre Ier : Crédit", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006114373", "@fin": "2017-07-01", "#text": "Livre III : Endettement", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006084133", "@fin": "2017-07-01", "#text": "Partie législative", "@debut": "1993-07-27" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292400", "@fin": "2011-05-01", "@num": "L311-10", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022435067", "@fin": "2014-03-19", "@num": "L311-10", "@etat": "MODIFIE", "@debut": "2011-05-01", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000028748027", "@fin": "2016-07-01", "@num": "L311-10", "@etat": "ABROGE", "@debut": "2014-03-19", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Lorsque les opérations de crédit sont conclues sur le lieu de vente ou au moyen d'une technique de communication à distance, une fiche d'informations distincte de la fiche mentionnée à l'article L. 311-6 est remise par le prêteur ou par l'intermédiaire de crédit à l'emprunteur. Cette fiche, établie par écrit ou sur un autre support durable, comporte notamment les éléments relatifs aux ressources et charges de l'emprunteur ainsi que, le cas échéant, aux prêts en cours contractés par ce dernier. Ladite fiche est signée ou son contenu confirmé par voie électronique par l'emprunteur et contribue à l'évaluation de sa solvabilité par le prêteur. Les informations figurant dans la fiche doivent faire l'objet d'une déclaration certifiant sur l'honneur leur exactitude. Si le montant du crédit accordé est supérieur à un seuil défini par décret, la fiche doit être corroborée par des pièces justificatives dont la liste est définie par décret.

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Article 6 ENTIEREMENT_MODIF (LOI n° 2010-737 du 1er juillet 2010 portant réforme du crédit à la consommation (1))