{ "article": { "LEGIARTI000031063820": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2016-07-01", "DATE_DEBUT": "2015-08-19" } }, "META_COMMUN": { "ID": "LEGIARTI000031063820", "URL": "article/LEGI/ARTI/00/00/31/06/38/LEGIARTI000031063820.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000031047883", "@num": "23", "#text": "LOI n°2015-992 du 17 août 2015 - art. 23", "@sens": "cible", "@cidtexte": "JORFTEXT000031044385", "@nortexte": "DEVX1413992L", "@numtexte": "2015-992", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2015-08-17" }, { "@id": "LEGIARTI000006292593", "@num": "L333-4", "#text": "Code de la consommation - art. 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Les règles relatives au fichier des incidents de paiement caractérisés sont fixées par les articles L. 333-4 et L. 333-5 du code de la consommation.

" } }, "LEGIARTI000006292593": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "1998-07-31", "DATE_DEBUT": "1993-07-27" } }, "META_COMMUN": { "ID": "LEGIARTI000006292593", "URL": "article/LEGI/ARTI/00/00/06/29/25/LEGIARTI000006292593.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AZAXXXXXXXX1X333L04AXXAA" } }, "NOTA": { "CONTENU": "
.
\n
" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006528133", "@num": "35", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 35 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528170", "@num": "43", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 43 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528174", "@num": "44", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 44 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000504724", "#text": "Loi 84-46 1984-01-24", "@sens": "source", "@cidtexte": "JORFTEXT000000504724", "@numtexte": "84-46", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1984-01-24" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "JORFTEXT000000529228", "#text": "Loi 93-949 1993-07-26", "@sens": "source", "@cidtexte": "JORFTEXT000000529228", "@nortexte": "ECOX9300016L", "@numtexte": "93-949", "@typelien": "CODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "1993-07-26" }, { "@id": "JORFTEXT000000529228", "#text": "Loi 93-949 1993-07-26 annexe JORF 27 juillet 1993", "@sens": "source", "@cidtexte": "JORFTEXT000000529228", "@nortexte": "ECOX9300016L", "@numtexte": "93-949", "@typelien": "CREATION", "@naturetexte": "LOI", "@datesignatexte": "1993-07-26" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006237451", "@num": "L628-6", "#text": "Code de commerce. - art. L628-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce. - art. L670-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000021631518", "@num": "R221-39-1", "#text": "Code de l'organisation judiciaire - art. R221-39-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006071164", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032237390", "@num": "L311-16", "#text": "Code de la consommation - art. L311-16 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783363", "@num": "L311-9", "#text": "Code de la consommation - art. L311-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292513", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292618", "@num": "L331-1", "#text": "Code de la consommation - art. L331-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027012130", "@num": "L331-11", "#text": "Code de la consommation - art. L331-11 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292583", "@num": "L332-11", "#text": "Code de la consommation - art. L332-11 (V)", "@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" }, { "@id": "LEGIARTI000028213601", "@num": "L334-7", "#text": "Code de la consommation - art. L334-7 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783269", "@num": "L312-1", "#text": "Code monétaire et financier - art. L312-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063820", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029469859", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006652097", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063781", "@num": "L511-6", "#text": "Code monétaire et financier - art. L511-6 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006146589", "@fin": "2016-07-01", "#text": "Chapitre III : Dispositions communes", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133629", "@fin": "2017-07-01", "#text": "Titre III : Traitement des situations de surendettement", "@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": "LEGIARTI000006292593", "@fin": "1998-07-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292594", "@fin": "2003-08-02", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1998-07-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292595", "@fin": "2004-08-07", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2003-08-02", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292596", "@fin": "2005-01-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2004-08-07", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292597", "@fin": "2005-12-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-01-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292598", "@fin": "2008-08-06", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-12-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019293618", "@fin": "2009-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2008-08-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000020869767", "@fin": "2010-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2009-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000022425994", "@fin": "2010-10-24", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022962972", "@fin": "2011-09-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023276505", "@fin": "2013-01-30", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2011-09-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027012114", "@fin": "2014-01-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2013-01-30", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000027646168", "@fin": "2013-07-28", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027805373", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031063804", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000032236416", "@fin": "2016-07-01", "@num": "L333-4", "@etat": "ABROGE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000028748041", "@fin": "2016-03-17", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Il est institué un fichier national recensant les informations sur les incidents de paiement caractérisés liés aux crédits accordés aux personnes physiques pour des besoins non professionnels. Ce fichier est géré par la Banque de France. Il est soumis aux dispositions de la loi n° 78-17 du 6 janvier 1978 relative à l'informatique, aux fichiers et aux libertés.
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Les établissements de crédit visés par la loi n° 84-46 du 24 janvier 1984 relative à l'activité et au contrôle des établissements de crédit ainsi que les services financiers de La Poste sont tenus de déclarer à la Banque de France les incidents visés à l'alinéa précédent.
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Le fichier visé au premier alinéa recense également les mesures conventionnelles ou judiciaires mentionnées au titre III du présent livre. Elles sont communiquées à la Banque de France soit par la commission instituée à l'article L. 331-1 soit par le greffe du tribunal d'instance.
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La Banque de France est seule habilitée à centraliser les informations visées à l'alinéa précédent.
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Les organismes professionnels ou organes centraux représentant les établissements visés au deuxième alinéa sont seuls autorisés à tenir des fichiers recensant des incidents de paiement.
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La Banque de France est déliée du secret professionnel pour la diffusion, aux établissements de crédit et aux services financiers susvisés, des informations nominatives contenues dans le fichier.
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Il est interdit à la Banque de France, aux établissements de crédit et aux services financiers de La Poste de remettre à quiconque copie, sous quelque forme que ce soit, des informations contenues dans le fichier, même à l'intéressé lorsqu'il exerce son droit d'accès conformément à l'article 35 de la loi n° 78-17 du 6 janvier 1978 précitée, sous peine des sanctions prévues aux articles 43 et 44 de la même loi.
" } }, "LEGIARTI000006292594": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2003-08-02", "DATE_DEBUT": "1998-07-31" } }, "META_COMMUN": { "ID": "LEGIARTI000006292594", "URL": "article/LEGI/ARTI/00/00/06/29/25/LEGIARTI000006292594.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AZAXXXXXXXX1X333L04AXXAB" } }, "NOTA": { "CONTENU": "
.
\n
" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006528133", "@num": "35", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 35 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528170", "@num": "43", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 43 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528174", "@num": "44", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 44 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000504724", "#text": "Loi 84-46 1984-01-24", "@sens": "source", "@cidtexte": "JORFTEXT000000504724", "@numtexte": "84-46", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1984-01-24" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "JORFTEXT000000529228", "#text": "Loi 93-949 1993-07-26", "@sens": "source", "@cidtexte": "JORFTEXT000000529228", "@nortexte": "ECOX9300016L", "@numtexte": "93-949", "@typelien": "CODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "1993-07-26" }, { "@id": "LEGIARTI000006657995", "@num": "97", "#text": "Loi n°98-657 du 29 juillet 1998 - art. 97 () JORF 31 juillet 1998", "@sens": "source", "@cidtexte": "JORFTEXT000000206894", "@nortexte": "MESX9800027L", "@numtexte": "98-657", "@typelien": "MODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "1998-07-29" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006237451", "@num": "L628-6", "#text": "Code de commerce. - art. L628-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce. - art. L670-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000021631518", "@num": "R221-39-1", "#text": "Code de l'organisation judiciaire - art. R221-39-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006071164", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032237390", "@num": "L311-16", "#text": "Code de la consommation - art. L311-16 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783363", "@num": "L311-9", "#text": "Code de la consommation - art. 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L331-2 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292628", "@num": "L331-3", "#text": "Code de la consommation - art. L331-3 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292640", "@num": "L331-6", "#text": "Code de la consommation - art. L331-6 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292643", "@num": "L331-7", "#text": "Code de la consommation - art. L331-7 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292573", "@num": "L331-7-1", "#text": "Code de la consommation - art. L331-7-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292583", "@num": "L332-11", "#text": "Code de la consommation - art. L332-11 (V)", "@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" }, { "@id": "LEGIARTI000028213601", "@num": "L334-7", "#text": "Code de la consommation - art. L334-7 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783269", "@num": "L312-1", "#text": "Code monétaire et financier - art. L312-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063820", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029469859", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006652097", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063781", "@num": "L511-6", "#text": "Code monétaire et financier - art. L511-6 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006146589", "@fin": "2016-07-01", "#text": "Chapitre III : Dispositions communes", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133629", "@fin": "2017-07-01", "#text": "Titre III : Traitement des situations de surendettement", "@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": "LEGIARTI000006292593", "@fin": "1998-07-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292594", "@fin": "2003-08-02", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1998-07-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292595", "@fin": "2004-08-07", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2003-08-02", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292596", "@fin": "2005-01-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2004-08-07", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292597", "@fin": "2005-12-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-01-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292598", "@fin": "2008-08-06", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-12-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019293618", "@fin": "2009-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2008-08-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000020869767", "@fin": "2010-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2009-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000022425994", "@fin": "2010-10-24", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022962972", "@fin": "2011-09-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023276505", "@fin": "2013-01-30", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2011-09-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027012114", "@fin": "2014-01-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2013-01-30", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000027646168", "@fin": "2013-07-28", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027805373", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031063804", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000032236416", "@fin": "2016-07-01", "@num": "L333-4", "@etat": "ABROGE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000028748041", "@fin": "2016-03-17", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Il est institué un fichier national recensant les informations sur les incidents de paiement caractérisés liés aux crédits accordés aux personnes physiques pour des besoins non professionnels. Ce fichier est géré par la Banque de France. Il est soumis aux dispositions de la loi n° 78-17 du 6 janvier 1978 relative à l'informatique, aux fichiers et aux libertés.
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Les établissements de crédit visés par la loi n° 84-46 du 24 janvier 1984 relative à l'activité et au contrôle des établissements de crédit ainsi que les services financiers de La Poste sont tenus de déclarer à la Banque de France les incidents visés à l'alinéa précédent.
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Lorsque la commission instituée à l'article L. 331-1 a vérifié que le débiteur qui l'a saisie se trouve dans la situation visée à l'article L. 331-2, elle en informe la Banque de France aux fins d'inscription au fichier institué au premier alinéa du présent article. La même obligation pèse sur le greffe du juge de l'exécution lorsque, sur recours de l'intéressé en application du deuxième alinéa de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge.
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Le fichier recense les mesures du plan conventionnel de redressement mentionnées à l'article L. 331-6. Ces mesures sont communiquées à la Banque de France par la commission. L'inscription est conservée pendant toute la durée de l'exécution du plan conventionnel, sans pouvoir excéder huit ans.
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Le fichier recense également les mesures prises en vertu des articles L. 331-7 et L. 331-7-1 qui sont communiquées à la Banque de France par le greffe du juge de l'exécution. S'agissant des mesures définies à l'article L. 331-7 et au premier alinéa de l'article L. 331-7-1, l'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder huit ans. S'agissant des mesures définies au troisième alinéa de l'article L. 331-7-1, la durée d'inscription est fixée à huit ans.
\n
La Banque de France est seule habilitée à centraliser les informations visées à l'alinéa précédent.
\n
Les organismes professionnels ou organes centraux représentant les établissements visés au deuxième alinéa sont seuls autorisés à tenir des fichiers recensant des incidents de paiement.
\n
La Banque de France est déliée du secret professionnel pour la diffusion, aux établissements de crédit et aux services financiers susvisés, des informations nominatives contenues dans le fichier.
\n
Il est interdit à la Banque de France, aux établissements de crédit et aux services financiers de La Poste de remettre à quiconque copie, sous quelque forme que ce soit, des informations contenues dans le fichier, même à l'intéressé lorsqu'il exerce son droit d'accès conformément à l'article 35 de la loi n° 78-17 du 6 janvier 1978 précitée, sous peine des sanctions prévues aux articles 43 et 44 de la même loi.
" } }, "LEGIARTI000006292595": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2004-08-07", "DATE_DEBUT": "2003-08-02" } }, "META_COMMUN": { "ID": "LEGIARTI000006292595", "URL": "article/LEGI/ARTI/00/00/06/29/25/LEGIARTI000006292595.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AZAXXXXXXXX1X333L04AXXAC" } }, "NOTA": { "CONTENU": "
Nota - article relevant de l'ordre public économique de protection sociale par avis de la Cour de cassation n° 09420028P du 16 décembre 1994.
\n
" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006528133", "@num": "35", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 35 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528170", "@num": "43", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 43 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528174", "@num": "44", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 44 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000504724", "#text": "Loi 84-46 1984-01-24", "@sens": "source", "@cidtexte": "JORFTEXT000000504724", "@numtexte": "84-46", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1984-01-24" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "JORFTEXT000000529228", "#text": "Loi 93-949 1993-07-26", "@sens": "source", "@cidtexte": "JORFTEXT000000529228", "@nortexte": "ECOX9300016L", "@numtexte": "93-949", "@typelien": "CODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "1993-07-26" }, { "@id": "LEGIARTI000006826545", "@num": "35", "#text": "Loi n°2003-710 du 1 août 2003 - art. 35 () JORF 2 août 2003", "@sens": "source", "@cidtexte": "JORFTEXT000000428979", "@nortexte": "VILX0300056L", "@numtexte": "2003-710", "@typelien": "MODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "2003-08-01" }, { "@id": "LEGIARTI000006826546", "@num": "36", "#text": "Loi n°2003-710 du 1 août 2003 - art. 36 () JORF 2 août 2003", "@sens": "source", "@cidtexte": "JORFTEXT000000428979", "@nortexte": "VILX0300056L", "@numtexte": "2003-710", "@typelien": "MODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "2003-08-01" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006237451", "@num": "L628-6", "#text": "Code de commerce. - art. L628-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce. - art. L670-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000021631518", "@num": "R221-39-1", "#text": "Code de l'organisation judiciaire - art. R221-39-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006071164", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032237390", "@num": "L311-16", "#text": "Code de la consommation - art. L311-16 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783363", "@num": "L311-9", "#text": "Code de la consommation - art. L311-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292513", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292618", "@num": "L331-1", "#text": "Code de la consommation - art. L331-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027012130", "@num": "L331-11", "#text": "Code de la consommation - art. L331-11 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292622", "@num": "L331-2", "#text": "Code de la consommation - art. L331-2 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292628", "@num": "L331-3", "#text": "Code de la consommation - art. L331-3 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292640", "@num": "L331-6", "#text": "Code de la consommation - art. L331-6 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292643", "@num": "L331-7", "#text": "Code de la consommation - art. L331-7 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292573", "@num": "L331-7-1", "#text": "Code de la consommation - art. L331-7-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292583", "@num": "L332-11", "#text": "Code de la consommation - art. L332-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292580", "@num": "L332-9", "#text": "Code de la consommation - art. L332-9 (M)", "@sens": "source", "@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" }, { "@id": "LEGIARTI000028213601", "@num": "L334-7", "#text": "Code de la consommation - art. L334-7 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783269", "@num": "L312-1", "#text": "Code monétaire et financier - art. L312-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063820", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029469859", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006652097", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063781", "@num": "L511-6", "#text": "Code monétaire et financier - art. L511-6 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006146589", "@fin": "2016-07-01", "#text": "Chapitre III : Dispositions communes", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133629", "@fin": "2017-07-01", "#text": "Titre III : Traitement des situations de surendettement", "@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": "LEGIARTI000006292593", "@fin": "1998-07-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292594", "@fin": "2003-08-02", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1998-07-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292595", "@fin": "2004-08-07", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2003-08-02", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292596", "@fin": "2005-01-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2004-08-07", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292597", "@fin": "2005-12-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-01-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292598", "@fin": "2008-08-06", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-12-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019293618", "@fin": "2009-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2008-08-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000020869767", "@fin": "2010-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2009-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000022425994", "@fin": "2010-10-24", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022962972", "@fin": "2011-09-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023276505", "@fin": "2013-01-30", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2011-09-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027012114", "@fin": "2014-01-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2013-01-30", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000027646168", "@fin": "2013-07-28", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027805373", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031063804", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000032236416", "@fin": "2016-07-01", "@num": "L333-4", "@etat": "ABROGE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000028748041", "@fin": "2016-03-17", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Il est institué un fichier national recensant les informations sur les incidents de paiement caractérisés liés aux crédits accordés aux personnes physiques pour des besoins non professionnels. Ce fichier est géré par la Banque de France. Il est soumis aux dispositions de la loi n° 78-17 du 6 janvier 1978 relative à l'informatique, aux fichiers et aux libertés.
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Les établissements de crédit visés par la loi n° 84-46 du 24 janvier 1984 relative à l'activité et au contrôle des établissements de crédit ainsi que les services financiers de La Poste sont tenus de déclarer à la Banque de France les incidents visés à l'alinéa précédent.
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Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur en application du premier alinéa de l'article L. 331-3, elle en informe la Banque de France aux fins d'inscription au fichier institué au premier alinéa du présent article. La même obligation pèse sur le greffe du juge de l'exécution lorsque, sur recours de l'intéressé en application du deuxième alinéa de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application de l'article L. 332-9.
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Le fichier recense les mesures du plan conventionnel de redressement mentionnées à l'article L. 331-6. Ces mesures sont communiquées à la Banque de France par la commission. L'inscription est conservée pendant toute la durée de l'exécution du plan conventionnel, sans pouvoir excéder dix ans.
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Le fichier recense également les mesures prises en vertu des articles L. 331-7 et L. 331-7-1 qui sont communiquées à la Banque de France par le greffe du juge de l'exécution. S'agissant des mesures définies à l'article L. 331-7 et au premier alinéa de l'article L. 331-7-1, l'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder dix ans. S'agissant des mesures définies au troisième alinéa de l'article L. 331-7-1, la durée d'inscription est fixée à dix ans.
\n
La Banque de France est seule habilitée à centraliser les informations visées à l'alinéa précédent.
\n
Les organismes professionnels ou organes centraux représentant les établissements visés au deuxième alinéa sont seuls autorisés à tenir des fichiers recensant des incidents de paiement.
\n
La Banque de France est déliée du secret professionnel pour la diffusion, aux établissements de crédit et aux services financiers susvisés, des informations nominatives contenues dans le fichier.
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Il est interdit à la Banque de France, aux établissements de crédit et aux services financiers de La Poste de remettre à quiconque copie, sous quelque forme que ce soit, des informations contenues dans le fichier, même à l'intéressé lorsqu'il exerce son droit d'accès conformément à l'article 35 de la loi n° 78-17 du 6 janvier 1978 précitée, sous peine des sanctions prévues aux articles 43 et 44 de la même loi.
" } }, "LEGIARTI000006292596": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2005-01-19", "DATE_DEBUT": "2004-08-07" } }, "META_COMMUN": { "ID": "LEGIARTI000006292596", "URL": "article/LEGI/ARTI/00/00/06/29/25/LEGIARTI000006292596.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AZAXXXXXXXX1X333L04AXXAD" } }, "NOTA": { "CONTENU": "
Nota - article relevant de l'ordre public économique de protection sociale par avis de la Cour de cassation n° 09420028P du 16 décembre 1994.
\n
" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006528141", "@num": "39", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 39 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528170", "@num": "43", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 43 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528174", "@num": "44", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 44 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000504724", "#text": "Loi 84-46 1984-01-24", "@sens": "source", "@cidtexte": "JORFTEXT000000504724", "@numtexte": "84-46", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1984-01-24" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "JORFTEXT000000529228", "#text": "Loi 93-949 1993-07-26", "@sens": "source", "@cidtexte": "JORFTEXT000000529228", "@nortexte": "ECOX9300016L", "@numtexte": "93-949", "@typelien": "CODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "1993-07-26" }, { "@id": "LEGIARTI000006529411", "@num": "18", "#text": "Loi n°2004-801 du 6 août 2004 - art. 18 () JORF 7 août 2004", "@sens": "source", "@cidtexte": "JORFTEXT000000441676", "@nortexte": "JUSX0100026L", "@numtexte": "2004-801", "@typelien": "MODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "2004-08-06" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006237451", "@num": "L628-6", "#text": "Code de commerce. - art. L628-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce. - art. L670-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000021631518", "@num": "R221-39-1", "#text": "Code de l'organisation judiciaire - art. R221-39-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006071164", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032237390", "@num": "L311-16", "#text": "Code de la consommation - art. L311-16 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783363", "@num": "L311-9", "#text": "Code de la consommation - art. L311-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292513", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292618", "@num": "L331-1", "#text": "Code de la consommation - art. L331-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027012130", "@num": "L331-11", "#text": "Code de la consommation - art. L331-11 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292622", "@num": "L331-2", "#text": "Code de la consommation - art. L331-2 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292628", "@num": "L331-3", "#text": "Code de la consommation - art. L331-3 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292640", "@num": "L331-6", "#text": "Code de la consommation - art. L331-6 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292643", "@num": "L331-7", "#text": "Code de la consommation - art. L331-7 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292573", "@num": "L331-7-1", "#text": "Code de la consommation - art. L331-7-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292583", "@num": "L332-11", "#text": "Code de la consommation - art. L332-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292580", "@num": "L332-9", "#text": "Code de la consommation - art. L332-9 (M)", "@sens": "source", "@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" }, { "@id": "LEGIARTI000028213601", "@num": "L334-7", "#text": "Code de la consommation - art. 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Il est institué un fichier national recensant les informations sur les incidents de paiement caractérisés liés aux crédits accordés aux personnes physiques pour des besoins non professionnels. Ce fichier est géré par la Banque de France. Il est soumis aux dispositions de la loi n° 78-17 du 6 janvier 1978 relative à l'informatique, aux fichiers et aux libertés.
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Les établissements de crédit visés par la loi n° 84-46 du 24 janvier 1984 relative à l'activité et au contrôle des établissements de crédit ainsi que les services financiers de La Poste sont tenus de déclarer à la Banque de France les incidents visés à l'alinéa précédent.
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Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur en application du premier alinéa de l'article L. 331-3, elle en informe la Banque de France aux fins d'inscription au fichier institué au premier alinéa du présent article. La même obligation pèse sur le greffe du juge de l'exécution lorsque, sur recours de l'intéressé en application du deuxième alinéa de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application de l'article L. 332-9.
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Le fichier recense les mesures du plan conventionnel de redressement mentionnées à l'article L. 331-6. Ces mesures sont communiquées à la Banque de France par la commission. L'inscription est conservée pendant toute la durée de l'exécution du plan conventionnel, sans pouvoir excéder dix ans.
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Le fichier recense également les mesures prises en vertu des articles L. 331-7 et L. 331-7-1 qui sont communiquées à la Banque de France par le greffe du juge de l'exécution. S'agissant des mesures définies à l'article L. 331-7 et au premier alinéa de l'article L. 331-7-1, l'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder dix ans. S'agissant des mesures définies au troisième alinéa de l'article L. 331-7-1, la durée d'inscription est fixée à dix ans.
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La Banque de France est seule habilitée à centraliser les informations visées à l'alinéa précédent.
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Les organismes professionnels ou organes centraux représentant les établissements visés au deuxième alinéa sont seuls autorisés à tenir des fichiers recensant des incidents de paiement.
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La Banque de France est déliée du secret professionnel pour la diffusion, aux établissements de crédit et aux services financiers susvisés, des informations nominatives contenues dans le fichier.
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Il est interdit à la Banque de France, aux établissements de crédit et aux services financiers de La Poste de remettre à quiconque copie, sous quelque forme que ce soit, des informations contenues dans le fichier, même à l'intéressé lorsqu'il exerce son droit d'accès conformément à l'article 39 de la loi n° 78-17 du 6 janvier 1978 précitée, sous peine des sanctions prévues aux articles 43 et 44 de la même loi.
" } }, "LEGIARTI000006292597": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2005-12-31", "DATE_DEBUT": "2005-01-19" } }, "META_COMMUN": { "ID": "LEGIARTI000006292597", "URL": "article/LEGI/ARTI/00/00/06/29/25/LEGIARTI000006292597.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AZAXXXXXXXX1X333L04AXXAE" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006528141", "@num": "39", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 39 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528170", "@num": "43", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 43 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528174", "@num": "44", "#text": "Loi n°78-17 du 6 janvier 1978 - art. 44 (Ab)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000504724", "#text": "Loi 84-46 1984-01-24", "@sens": "source", "@cidtexte": "JORFTEXT000000504724", "@numtexte": "84-46", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1984-01-24" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "JORFTEXT000000529228", "#text": "Loi 93-949 1993-07-26", "@sens": "source", "@cidtexte": "JORFTEXT000000529228", "@nortexte": "ECOX9300016L", "@numtexte": "93-949", "@typelien": "CODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "1993-07-26" }, { "@id": "LEGIARTI000006658560", "@num": "126", "#text": "Loi n°2005-32 du 18 janvier 2005 - art. 126 () JORF 19 janvier 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "MODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - 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L334-7 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783269", "@num": "L312-1", "#text": "Code monétaire et financier - art. L312-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063820", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029469859", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006652097", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063781", "@num": "L511-6", "#text": "Code monétaire et financier - art. L511-6 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006146589", "@fin": "2016-07-01", "#text": "Chapitre III : Dispositions communes", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133629", "@fin": "2017-07-01", "#text": "Titre III : Traitement des situations de surendettement", "@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": "LEGIARTI000006292593", "@fin": "1998-07-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292594", "@fin": "2003-08-02", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1998-07-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292595", "@fin": "2004-08-07", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2003-08-02", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292596", "@fin": "2005-01-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2004-08-07", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292597", "@fin": "2005-12-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-01-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292598", "@fin": "2008-08-06", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-12-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019293618", "@fin": "2009-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2008-08-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000020869767", "@fin": "2010-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2009-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000022425994", "@fin": "2010-10-24", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022962972", "@fin": "2011-09-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023276505", "@fin": "2013-01-30", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2011-09-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027012114", "@fin": "2014-01-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2013-01-30", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000027646168", "@fin": "2013-07-28", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027805373", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031063804", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000032236416", "@fin": "2016-07-01", "@num": "L333-4", "@etat": "ABROGE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000028748041", "@fin": "2016-03-17", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Il est institué un fichier national recensant les informations sur les incidents de paiement caractérisés liés aux crédits accordés aux personnes physiques pour des besoins non professionnels. Ce fichier est géré par la Banque de France. Il est soumis aux dispositions de la loi n° 78-17 du 6 janvier 1978 relative à l'informatique, aux fichiers et aux libertés.
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Les établissements de crédit visés par la loi n° 84-46 du 24 janvier 1984 relative à l'activité et au contrôle des établissements de crédit ainsi que les services financiers de La Poste sont tenus de déclarer à la Banque de France les incidents visés à l'alinéa précédent. Les frais afférents à cette déclaration ne peuvent être facturés aux personnes physiques concernées.
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Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur en application du premier alinéa de l'article L. 331-3, elle en informe la Banque de France aux fins d'inscription au fichier institué au premier alinéa du présent article. La même obligation pèse sur le greffe du juge de l'exécution lorsque, sur recours de l'intéressé en application du deuxième alinéa de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application de l'article L. 332-9.
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Le fichier recense les mesures du plan conventionnel de redressement mentionnées à l'article L. 331-6. Ces mesures sont communiquées à la Banque de France par la commission. L'inscription est conservée pendant toute la durée de l'exécution du plan conventionnel, sans pouvoir excéder dix ans.
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Le fichier recense également les mesures prises en vertu des articles L. 331-7 et L. 331-7-1 qui sont communiquées à la Banque de France par le greffe du juge de l'exécution. S'agissant des mesures définies à l'article L. 331-7 et au premier alinéa de l'article L. 331-7-1, l'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder dix ans. S'agissant des mesures définies au troisième alinéa de l'article L. 331-7-1, la durée d'inscription est fixée à dix ans.
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La Banque de France est seule habilitée à centraliser les informations visées à l'alinéa précédent.
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Les organismes professionnels ou organes centraux représentant les établissements visés au deuxième alinéa sont seuls autorisés à tenir des fichiers recensant des incidents de paiement.
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La Banque de France est déliée du secret professionnel pour la diffusion, aux établissements de crédit et aux services financiers susvisés, des informations nominatives contenues dans le fichier.
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Il est interdit à la Banque de France, aux établissements de crédit et aux services financiers de La Poste de remettre à quiconque copie, sous quelque forme que ce soit, des informations contenues dans le fichier, même à l'intéressé lorsqu'il exerce son droit d'accès conformément à l'article 39 de la loi n° 78-17 du 6 janvier 1978 précitée, sous peine des sanctions prévues aux articles 43 et 44 de la même loi.
" } }, "LEGIARTI000006292598": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2008-08-06", "DATE_DEBUT": "2005-12-31" } }, "META_COMMUN": { "ID": "LEGIARTI000006292598", "URL": "article/LEGI/ARTI/00/00/06/29/25/LEGIARTI000006292598.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AZAXXXXXXXX1X333L04AXXAF" } }, "NOTA": { "CONTENU": "
Loi 2005-516 2005-05-20 art. 16 V :
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1-Jusqu'à leur échéance, les investissements réalisés conformément aux dispositions de l'article 15 de la loi n° 90-568 du 2 juillet 1990 précitée dans sa rédaction en vigueur jusqu'à la date de publication de la présente loi demeurent régis par ces dispositions.
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2-Les dispositions des I à IV entrent en vigueur à la date du transfert prévu au 1 du II. Le décret n° 2005-1068 du 30 août 2005 fixe la date de transfert prévu au 31 décembre 2005.
" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "JORFTEXT000000529228", "#text": "Loi 93-949 1993-07-26", "@sens": "source", "@cidtexte": "JORFTEXT000000529228", "@nortexte": "ECOX9300016L", "@numtexte": "93-949", "@typelien": "CODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "1993-07-26" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000006241230", "@num": "16", "#text": "Loi n°2005-516 du 20 mai 2005 - art. 16 () JORF 21 mai 2005 en vigueur le 31 décembre 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000446769", "@nortexte": "ECOX0300058L", "@numtexte": "2005-516", "@typelien": "MODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "2005-05-20" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006237451", "@num": "L628-6", "#text": "Code de commerce. - art. L628-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce. - art. L670-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000021631518", "@num": "R221-39-1", "#text": "Code de l'organisation judiciaire - art. R221-39-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006071164", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032237390", "@num": "L311-16", "#text": "Code de la consommation - art. L311-16 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783363", "@num": "L311-9", "#text": "Code de la consommation - art. L311-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292513", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027012130", "@num": "L331-11", "#text": "Code de la consommation - art. L331-11 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292583", "@num": "L332-11", "#text": "Code de la consommation - art. L332-11 (V)", "@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" }, { "@id": "LEGIARTI000028213601", "@num": "L334-7", "#text": "Code de la consommation - art. L334-7 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783269", "@num": "L312-1", "#text": "Code monétaire et financier - art. L312-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063820", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029469859", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006652097", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063781", "@num": "L511-6", "#text": "Code monétaire et financier - art. 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Il est institué un fichier national recensant les informations sur les incidents de paiement caractérisés liés aux crédits accordés aux personnes physiques pour des besoins non professionnels. Ce fichier est géré par la Banque de France. Il est soumis aux dispositions de la loi n° 78-17 du 6 janvier 1978 relative à l'informatique, aux fichiers et aux libertés.
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Les établissements de crédit visés par la loi n° 84-46 du 24 janvier 1984 relative à l'activité et au contrôle des établissements de crédit sont tenus de déclarer à la Banque de France les incidents visés à l'alinéa précédent. Les frais afférents à cette déclaration ne peuvent être facturés aux personnes physiques concernées.
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Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur en application du premier alinéa de l'article L. 331-3, elle en informe la Banque de France aux fins d'inscription au fichier institué au premier alinéa du présent article. La même obligation pèse sur le greffe du juge de l'exécution lorsque, sur recours de l'intéressé en application du deuxième alinéa de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application de l'article L. 332-9.
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Le fichier recense les mesures du plan conventionnel de redressement mentionnées à l'article L. 331-6. Ces mesures sont communiquées à la Banque de France par la commission. L'inscription est conservée pendant toute la durée de l'exécution du plan conventionnel, sans pouvoir excéder dix ans.
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Le fichier recense également les mesures prises en vertu des articles L. 331-7 et L. 331-7-1 qui sont communiquées à la Banque de France par le greffe du juge de l'exécution. S'agissant des mesures définies à l'article L. 331-7 et au premier alinéa de l'article L. 331-7-1, l'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder dix ans. S'agissant des mesures définies au troisième alinéa de l'article L. 331-7-1, la durée d'inscription est fixée à dix ans.
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La Banque de France est seule habilitée à centraliser les informations visées à l'alinéa précédent.
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Les organismes professionnels ou organes centraux représentant les établissements visés au deuxième alinéa sont seuls autorisés à tenir des fichiers recensant des incidents de paiement.
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La Banque de France est déliée du secret professionnel pour la diffusion, aux établissements de crédit et aux services financiers susvisés, des informations nominatives contenues dans le fichier.
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Il est interdit à la Banque de France et aux établissements de crédit de remettre à quiconque copie, sous quelque forme que ce soit, des informations contenues dans le fichier, même à l'intéressé lorsqu'il exerce son droit d'accès conformément à l'article 39 de la loi n° 78-17 du 6 janvier 1978 précitée, sous peine des sanctions prévues aux articles 226-22 et 226-21 du code pénal.
" } }, "LEGIARTI000019293618": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2009-11-01", "DATE_DEBUT": "2008-08-06" } }, "META_COMMUN": { "ID": "LEGIARTI000019293618", "URL": "article/LEGI/ARTI/00/00/19/29/36/LEGIARTI000019293618.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000886460", "#text": "LOI n° 78-17 du 6 janvier 1978", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000019285095", "@num": "81", "#text": "LOI n°2008-776\n du 4 août 2008 - art. 81 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000019283050", "@nortexte": "ECEX0808477L", "@numtexte": "2008-776", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2008-08-04" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006237451", "@num": "L628-6", "#text": "Code de commerce. - art. L628-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce. - art. L670-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000021631518", "@num": "R221-39-1", "#text": "Code de l'organisation judiciaire - art. R221-39-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006071164", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032237390", "@num": "L311-16", "#text": "Code de la consommation - art. L311-16 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783363", "@num": "L311-9", "#text": "Code de la consommation - art. L311-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292513", "@num": "L313-9", "#text": "Code de la consommation - art. L313-9 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292618", "@num": "L331-1", "#text": "Code de la consommation - art. L331-1", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027012130", "@num": "L331-11", "#text": "Code de la consommation - art. L331-11 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292643", "@num": "L331-7", "#text": "Code de la consommation - art. L331-7", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292583", "@num": "L332-11", "#text": "Code de la consommation - art. L332-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292580", "@num": "L332-9", "#text": "Code de la consommation - art. L332-9", "@sens": "source", "@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" }, { "@id": "LEGIARTI000028213601", "@num": "L334-7", "#text": "Code de la consommation - art. 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Il est institué un fichier national recensant les informations sur les incidents de paiement caractérisés liés aux crédits accordés aux personnes physiques pour des besoins non professionnels. Ce fichier est géré par la Banque de France. Il est soumis aux dispositions de la loi n° 78-17 du 6 janvier 1978 relative à l'informatique, aux fichiers et aux libertés.

Les établissements de crédit mentionnés à l'article L. 511-1 du code monétaire et financier et les organismes mentionnés au 5 de l'article L. 511-6 du même code sont tenus de déclarer à la Banque de France les incidents visés à l'alinéa précédent. Les frais afférents à cette déclaration ne peuvent être facturés aux personnes physiques concernées.

Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur en application du premier alinéa de l'article L. 331-3, elle en informe la Banque de France aux fins d'inscription au fichier institué au premier alinéa du présent article. La même obligation pèse sur le greffe du juge de l'exécution lorsque, sur recours de l'intéressé en application du deuxième alinéa de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application de l'article L. 332-9.

Le fichier recense les mesures du plan conventionnel de redressement mentionnées à l'article L. 331-6. Ces mesures sont communiquées à la Banque de France par la commission.L'inscription est conservée pendant toute la durée de l'exécution du plan conventionnel, sans pouvoir excéder dix ans.

Le fichier recense également les mesures prises en vertu des articles L. 331-7 et L. 331-7-1 qui sont communiquées à la Banque de France par le greffe du juge de l'exécution.S'agissant des mesures définies à l'article L. 331-7 et au premier alinéa de l'article L. 331-7-1, l'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder dix ans.S'agissant des mesures définies au troisième alinéa de l'article L. 331-7-1, la durée d'inscription est fixée à dix ans.

La Banque de France est seule habilitée à centraliser les informations visées à l'alinéa précédent.

Les organismes professionnels ou organes centraux représentant les établissements et les organismes visés au deuxième alinéa sont seuls autorisés à tenir des fichiers recensant des incidents de paiement.

La Banque de France est déliée du secret professionnel pour la diffusion, aux établissements de crédit et aux organismes mentionnés au 5 de l'article L. 511-6 du code monétaire et financier, des informations nominatives contenues dans le fichier.

Il est interdit à la Banque de France et aux établissements de crédit et aux organismes mentionnés au 5 de l'article L. 511-6 du code monétaire et financier de remettre à quiconque copie, sous quelque forme que ce soit, des informations contenues dans le fichier, même à l'intéressé lorsqu'il exerce son droit d'accès conformément à l'article 39 de la loi n° 78-17 du 6 janvier 1978 précitée, sous peine des sanctions prévues aux articles 226-22 et 226-21 du code pénal.

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Les établissements de crédit mentionnés à l'article L. 511-1 du code monétaire et financier, les établissements de paiement mentionnés au titre II du livre V du même code et les organismes mentionnés au 5 de l'article L. 511-6 du même code sont tenus de déclarer à la Banque de France les incidents visés à l'alinéa précédent. Les frais afférents à cette déclaration ne peuvent être facturés aux personnes physiques concernées.

La Banque de France est seule habilitée à centraliser les informations visées à l'alinéa précédent.

La Banque de France est déliée du secret professionnel pour la diffusion, aux établissements de crédit, aux établissements de paiement et aux organismes mentionnés au 5 de l'article L. 511-6 du code monétaire et financier, des informations nominatives contenues dans le fichier.

Il est interdit à la Banque de France et aux établissements de crédit, aux établissements de paiement et aux organismes mentionnés au 5 de l'article L. 511-6 du code monétaire et financier de remettre à quiconque copie, sous quelque forme que ce soit, des informations contenues dans le fichier, même à l'intéressé lorsqu'il exerce son droit d'accès conformément à l'article 39 de la loi n° 78-17 du 6 janvier 1978 précitée, sous peine des sanctions prévues aux articles 226-22 et 226-21 du code pénal.

" } }, "LEGIARTI000022425994": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2010-10-24", "DATE_DEBUT": "2010-11-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022425994", "URL": "article/LEGI/ARTI/00/00/22/42/59/LEGIARTI000022425994.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000886460", "#text": "LOI n° 78-17 du 6 janvier 1978", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528141", "@num": "39", "#text": "LOI n° 78-17 du 6 janvier 1978 - art. 39", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000022420640", "@num": "48", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 48", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce - art. 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I.-Il est institué un fichier national recensant les informations sur les incidents de paiement caractérisés liés aux crédits accordés aux personnes physiques pour des besoins non professionnels. Ce fichier est géré par la Banque de France, laquelle est seule habilitée à centraliser ces informations. Il est soumis à la loi n° 78-17 du 6 janvier 1978 relative à l'informatique, aux fichiers et aux libertés.

Ce fichier a pour finalité de fournir aux établissements de crédit mentionnés au titre Ier du livre V du code monétaire et financier, aux établissements de paiement mentionnés au titre II du même livre V et aux organismes mentionnés au 5 de l'article L. 511-6 du même code un élément d'appréciation de la solvabilité des personnes qui sollicitent un crédit. Toutefois, l'inscription d'une personne physique au sein du fichier n'emporte pas interdiction de délivrer un crédit.

Le fichier peut fournir un élément d'appréciation à l'usage des établissements de crédit dans leurs décisions d'attribution des moyens de paiement.

Les informations qu'il contient peuvent également être prises en compte par les mêmes établissements et organismes mentionnés au deuxième alinéa pour la gestion des risques liés aux crédits souscrits par leurs clients.

II.-Les établissements et les organismes visés au deuxième alinéa du I sont tenus de déclarer à la Banque de France, dans des conditions précisées par arrêté, les incidents de paiement caractérisés définis par l'arrêté mentionné à l'article L. 333-5. Dès la réception de cette déclaration, la Banque de France inscrit immédiatement les incidents de paiement caractérisés au fichier et, dans le même temps, met cette information à la disposition de l'ensemble des établissements et des organismes ayant accès au fichier. Les frais afférents à cette déclaration ne peuvent être facturés aux personnes physiques concernées.

Les informations relatives à ces incidents sont radiées immédiatement à la réception de la déclaration de paiement intégral des sommes dues effectuée par l'établissement ou organisme à l'origine de l'inscription au fichier. Elles ne peuvent en tout état de cause être conservées dans le fichier pendant plus de cinq ans à compter de la date d'enregistrement par la Banque de France de l'incident ayant entraîné la déclaration.

III.-Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur, elle en informe la Banque de France aux fins d'inscription au fichier. La même obligation pèse sur le greffe du juge de l'exécution lorsque, sur recours de l'intéressé en application du IV de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application des articles L. 332-9 ou L. 332-5.

Le fichier recense également les mesures prises en vertu des articles L. 331-7, L. 331-7-1 et L. 331-7-2 qui sont communiquées à la Banque de France par la commission ou le greffe du juge de l'exécution lorsqu'elles sont soumises à son homologation.L'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder huit ans.

Lorsque les mesures du plan conventionnel mentionnées à l'article L. 331-6 et celles prises en application des articles L. 331-7, L. 331-7-1 et L. 331-7-2 sont exécutées sans incident, les informations relatives aux mentions qui ont entraîné leur déclaration sont radiées à l'expiration d'une période de cinq ans à compter de la signature du plan conventionnel ou de la date de la décision de la commission qui impose des mesures ou lorsque les mesures recommandées par la commission ont acquis force exécutoire. Lorsque, pour une même personne, sont prescrits successivement un plan conventionnel mentionné à l'article L. 331-6 et des mesures prises en application des articles L. 331-7, L. 331-7-1 et L. 331-7-2, l'inscription est maintenue pendant la durée globale d'exécution du plan et des mesures sans pouvoir excéder huit ans.

Pour les personnes ayant bénéficié de la procédure de rétablissement personnel, les informations relatives aux mentions correspondantes sont radiées à l'expiration d'une période de cinq ans à compter de la date d'homologation ou de clôture de la procédure. La même durée de cinq ans est applicable aux personnes physiques ayant fait l'objet d'une liquidation judiciaire en application de l'article L. 670-6 du code de commerce.

IV.-La Banque de France est déliée du secret professionnel pour la diffusion, aux établissements et aux organismes visés au deuxième alinéa du I, des informations nominatives contenues dans le fichier.

Les conditions dans lesquelles la Banque de France, les établissements et les organismes visés au deuxième alinéa du I informent les personnes de leur inscription et de leur radiation du fichier ainsi que de leurs droits sont précisées par arrêté, pris après avis de la Commission nationale de l'informatique et des libertés.

Il est interdit à la Banque de France, aux établissements et aux organismes visés au deuxième alinéa du I de remettre à quiconque copie des informations contenues dans le fichier, sous peine des sanctions prévues aux articles 226-21 et 226-22 du code pénal. Cette interdiction ne s'applique pas aux intéressés, lesquels exercent leur droit d'accès aux informations les concernant contenues dans le fichier conformément à l'article 39 de la loi n° 78-17 du 6 janvier 1978 précitée.

La collecte des informations contenues dans le fichier par des personnes autres que la Banque de France, les établissements et les organismes visés au deuxième alinéa du I du présent article est punie des peines prévues à l'article 226-18 du code pénal.

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Le fichier peut fournir un élément d'appréciation à l'usage des établissements de crédit et des établissements de paiement dans leurs décisions d'attribution des moyens de paiement.

\n
\n
" } }, "LEGIARTI000023276505": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2013-01-30", "DATE_DEBUT": "2011-09-01" } }, "META_COMMUN": { "ID": "LEGIARTI000023276505", "URL": "article/LEGI/ARTI/00/00/23/27/65/LEGIARTI000023276505.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Loi n° 2010-1609 du 22 décembre 2010 article 43 : l'article 11 de la présente loi entre en vigueur dans les conditions fixées par un décret nécessaire à son application et au plus tard le 1er septembre 2011.

" }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000886460", "#text": "LOI n° 78-17 du 6 janvier 1978", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528141", "@num": "39", "#text": "LOI n° 78-17 du 6 janvier 1978 - art. 39", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000023274810", "@num": "11", "#text": "LOI n°2010-1609\n du 22 décembre 2010 - art. 11 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000023273986", "@nortexte": "JUSX0903630L", "@numtexte": "2010-1609", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2010-12-22" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce - art. 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Le fichier peut fournir un élément d'appréciation à l'usage des établissements de crédit et des établissements de paiement dans leurs décisions d'attribution des moyens de paiement.

III.-Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur, elle en informe la Banque de France aux fins d'inscription au fichier. La même obligation pèse sur le greffe du juge du tribunal d'instance lorsque, sur recours de l'intéressé en application du IV de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application des articles L. 332-9 ou L. 332-5.

Le fichier recense également les mesures prises en vertu des articles L. 331-7, L. 331-7-1 et L. 331-7-2 qui sont communiquées à la Banque de France par la commission ou le greffe du juge du tribunal d'instance lorsqu'elles sont soumises à son homologation.L'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder huit ans.

\n
\n
" } }, "LEGIARTI000027012114": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2014-01-01", "DATE_DEBUT": "2013-01-30" } }, "META_COMMUN": { "ID": "LEGIARTI000027012114", "URL": "article/LEGI/ARTI/00/00/27/01/21/LEGIARTI000027012114.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000886460", "#text": "LOI n° 78-17 du 6 janvier 1978", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528141", "@num": "39", "#text": "LOI n° 78-17 du 6 janvier 1978 - art. 39", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000027005523", "@num": "23", "#text": "LOI n°2013-100 du 28 janvier 2013 - art. 23", "@sens": "cible", "@cidtexte": "JORFTEXT000026998473", "@nortexte": "EFIX1221489L", "@numtexte": "2013-100", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2013-01-28" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce - art. 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Ce fichier a pour finalité de fournir aux établissements de crédit mentionnés au titre Ier du livre V du code monétaire et financier, aux établissements de monnaie électronique et aux établissements de paiement mentionnés au titre II du même livre V et aux organismes mentionnés au 5 de l'article L. 511-6 du même code un élément d'appréciation de la solvabilité des personnes qui sollicitent un crédit. Toutefois, l'inscription d'une personne physique au sein du fichier n'emporte pas interdiction de délivrer un crédit.

Le fichier peut fournir un élément d'appréciation à l'usage des établissements de crédit, des établissements de monnaie électronique et des établissements de paiement dans leurs décisions d'attribution des moyens de paiement.

III.-Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur, elle en informe la Banque de France aux fins d'inscription au fichier. La même obligation pèse sur le greffe du juge du tribunal d'instance lorsque, sur recours de l'intéressé en application du IV de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application des articles L. 332-9 ou L. 332-5.

Le fichier recense également les mesures prises en vertu des articles L. 331-7, L. 331-7-1 et L. 331-7-2 qui sont communiquées à la Banque de France par la commission ou le greffe du juge du tribunal d'instance lorsqu'elles sont soumises à son homologation.L'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder huit ans.

\n
\n
" } }, "LEGIARTI000027646168": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2013-07-28", "DATE_DEBUT": "2014-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000027646168", "URL": "article/LEGI/ARTI/00/00/27/64/61/LEGIARTI000027646168.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000886460", "#text": "Loi n° 78-17 du 6 janvier 1978 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006528141", "@num": "39", "#text": "Loi n° 78-17 du 6 janvier 1978 - art. 39 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000886460", "@numtexte": "78-17", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1978-01-06" }, { "@id": "LEGIARTI000006512973", "@num": "23", "#text": "Loi n°83-660 du 21 juillet 1983 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000504475", "@numtexte": "83-660", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1983-07-21" }, { "@id": "JORFTEXT000000343019", "#text": "Loi 89-1010 1989-12-31 art. 23 al. 1 à 7", "@sens": "source", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000006502739", "@num": "23", "#text": "Loi n°89-1010 du 31 décembre 1989 - art. 23 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000343019", "@nortexte": "ECOX8900100L", "@numtexte": "89-1010", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1989-12-31" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000022420642", "@num": "49", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 49 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022420559", "@num": "58", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 58 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000022963792", "@num": "61", "#text": "LOI n°2010-737\n du 1er juillet 2010 - art. 61 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022419094", "@nortexte": "ECEX0906890L", "@numtexte": "2010-737", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2010-07-01" }, { "@id": "LEGIARTI000027753907", "@num": "10", "#text": "Arrêté du 26 octobre 2010 - art. 10 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000022986722", "@num": "15", "#text": "Arrêté du 26 octobre 2010 - art. 15 (M)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000039348512", "@num": "17", "#text": "Arrêté du 26 octobre 2010 - art. 17 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000027619870", "@num": "6", "#text": "Ordonnance n°2013-544\n du 27 juin 2013 - art. 6", "@sens": "cible", "@cidtexte": "JORFTEXT000027617519", "@nortexte": "EFIT1309910R", "@numtexte": "2013-544", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-06-27" }, { "@id": "LEGIARTI000027916189", "@num": "18", "#text": "Ordonnance n°2013-792\n du 30 août 2013 - art. 18 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000027914280", "@nortexte": "EFIT1309623R", "@numtexte": "2013-792", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2013-08-30" }, { "@id": "LEGIARTI000006239687", "@num": "L670-6", "#text": "Code de commerce - art. L670-6 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006237451", "@num": "L628-6", "#text": "Code de commerce. - art. L628-6 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000021631518", "@num": "R221-39-1", "#text": "Code de l'organisation judiciaire - art. R221-39-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006071164", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032237390", "@num": "L311-16", "#text": "Code de la consommation - art. L311-16 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027783363", "@num": "L311-9", "#text": "Code de la consommation - art. 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Ce fichier a pour finalité de fournir aux établissements de crédit et aux sociétés de financement mentionnés au titre Ier du livre V du code monétaire et financier, aux établissements de monnaie électronique et aux établissements de paiement mentionnés au titre II du même livre V et aux organismes mentionnés au 5 de l'article L. 511-6 du même code un élément d'appréciation de la solvabilité des personnes qui sollicitent un crédit. Toutefois, l'inscription d'une personne physique au sein du fichier n'emporte pas interdiction de délivrer un crédit.

Les informations qu'il contient peuvent également être prises en compte par les entreprises mentionnées au deuxième alinéa pour la gestion des risques liés aux crédits souscrits par leurs clients.

II.-Les entreprises mentionnées au deuxième alinéa du I sont tenus de déclarer à la Banque de France, dans des conditions précisées par arrêté, les incidents de paiement caractérisés définis par l'arrêté mentionné à l'article L. 333-5. Dès la réception de cette déclaration, la Banque de France inscrit immédiatement les incidents de paiement caractérisés au fichier et, dans le même temps, met cette information à la disposition de l'ensemble des entreprises ayant accès au fichier. Les frais afférents à cette déclaration ne peuvent être facturés aux personnes physiques concernées.

Les informations relatives à ces incidents sont radiées immédiatement à la réception de la déclaration de paiement intégral des sommes dues effectuée par l'entreprise à l'origine de l'inscription au fichier. Elles ne peuvent en tout état de cause être conservées dans le fichier pendant plus de cinq ans à compter de la date d'enregistrement par la Banque de France de l'incident ayant entraîné la déclaration.

III.-Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur, elle en informe la Banque de France aux fins d'inscription au fichier. La même obligation pèse sur le greffe du juge du tribunal d'instance lorsque, sur recours de l'intéressé en application du IV de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application des articles L. 332-9 ou L. 332-5.

Le fichier recense également les mesures prises en vertu des articles L. 331-7, L. 331-7-1 et L. 331-7-2 qui sont communiquées à la Banque de France par la commission ou le greffe du juge du tribunal d'instance lorsqu'elles sont soumises à son homologation.L'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder huit ans.

IV.-La Banque de France est déliée du secret professionnel pour la diffusion, aux entreprises mentionnées au deuxième alinéa du I, des informations nominatives contenues dans le fichier.

Les conditions dans lesquelles la Banque de France, les entreprises mentionnées au deuxième alinéa du I informent les personnes de leur inscription et de leur radiation du fichier ainsi que de leurs droits sont précisées par arrêté, pris après avis de la Commission nationale de l'informatique et des libertés.

Il est interdit à la Banque de France, aux entreprises mentionnées au deuxième alinéa du I de remettre à quiconque copie des informations contenues dans le fichier, sous peine des sanctions prévues aux articles 226-21 et 226-22 du code pénal. Cette interdiction ne s'applique pas aux intéressés, lesquels exercent leur droit d'accès aux informations les concernant contenues dans le fichier conformément à l'article 39 de la loi n° 78-17 du 6 janvier 1978 précitée.

La collecte des informations contenues dans le fichier par des personnes autres que la Banque de France, les entreprises mentionnées au deuxième alinéa du I du présent article est punie des peines prévues à l'article 226-18 du code pénal.

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L511-6 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006417965", "@num": "226-18", "#text": "Code pénal - art. 226-18", "@sens": "source", "@cidtexte": "LEGITEXT000006070719", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006417978", "@num": "226-21", "#text": "Code pénal - art. 226-21", "@sens": "source", "@cidtexte": "LEGITEXT000006070719", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006146589", "@fin": "2016-07-01", "#text": "Chapitre III : Dispositions communes", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133629", "@fin": "2017-07-01", "#text": "Titre III : Traitement des situations de surendettement", "@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": "LEGIARTI000006292593", "@fin": "1998-07-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292594", "@fin": "2003-08-02", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1998-07-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292595", "@fin": "2004-08-07", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2003-08-02", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292596", "@fin": "2005-01-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2004-08-07", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292597", "@fin": "2005-12-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-01-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292598", "@fin": "2008-08-06", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-12-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019293618", "@fin": "2009-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2008-08-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000020869767", "@fin": "2010-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2009-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000022425994", "@fin": "2010-10-24", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022962972", "@fin": "2011-09-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023276505", "@fin": "2013-01-30", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2011-09-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027012114", "@fin": "2014-01-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2013-01-30", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000027646168", "@fin": "2013-07-28", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027805373", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031063804", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000032236416", "@fin": "2016-07-01", "@num": "L333-4", "@etat": "ABROGE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000028748041", "@fin": "2016-03-17", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

III.-Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur, elle en informe la Banque de France aux fins d'inscription au fichier. La même obligation pèse sur le greffe du juge du tribunal d'instance lorsque, sur recours de l'intéressé en application du IV de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application des articles L. 332-9 , L. 332-5, L. 332-5-1 ou L. 332-5-2.

Le fichier recense également les mesures prises en vertu des articles L. 331-7, L. 331-7-1 et L. 331-7-2 qui sont communiquées à la Banque de France par la commission ou le greffe du juge du tribunal d'instance lorsqu'elles sont soumises à son homologation.L'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder huit ans.

Lorsque les mesures du plan conventionnel mentionnées à l'article L. 331-6 et celles prises en application des articles L. 331-7, L. 331-7-1 et L. 331-7-2 sont exécutées sans incident, les informations relatives aux mentions qui ont entraîné leur déclaration sont radiées à l'expiration d'une période de cinq ans à compter de la signature du plan conventionnel ou de la date de la décision de la commission qui impose des mesures ou lorsque les mesures recommandées par la commission ont acquis force exécutoire. Lorsque, pour une même personne, sont prescrits successivement, dans le cadre d'une révision ou d'un renouvellement du plan ou des mesures, un plan conventionnel mentionné à l'article L. 331-6 et des mesures prises en application des articles L. 331-7, L. 331-7-1 et L. 331-7-2, l'inscription est maintenue pendant la durée globale d'exécution du plan et des mesures sans pouvoir excéder huit ans.

IV.-La Banque de France est déliée du secret professionnel pour la diffusion, aux entreprises mentionnées au deuxième alinéa du I, des informations nominatives contenues dans le fichier.

\n
\n
" } }, "LEGIARTI000028748041": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L333-4", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2016-03-17", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000028748041", "URL": "article/LEGI/ARTI/00/00/28/74/80/LEGIARTI000028748041.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément à l'article 43-II de la loi n° 2014-344 du 17 mars 2014, le I entre en vigueur à la date prévue au premier alinéa du I de l'article 71 de la même loi. Il s'applique aux dossiers de surendettement déclarés recevables à cette date pour lesquels les mesures de traitement n'ont pas encore été mises en œuvre. L'article 14 de la loi n° 2014-617 du 13 juin 2014 a fixé cette date au 1er juillet 2016.

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L511-6 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006417965", "@num": "226-18", "#text": "Code pénal - art. 226-18", "@sens": "source", "@cidtexte": "LEGITEXT000006070719", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006417978", "@num": "226-21", "#text": "Code pénal - art. 226-21", "@sens": "source", "@cidtexte": "LEGITEXT000006070719", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006146589", "@fin": "2016-07-01", "#text": "Chapitre III : Dispositions communes", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133629", "@fin": "2017-07-01", "#text": "Titre III : Traitement des situations de surendettement", "@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": "LEGIARTI000006292593", "@fin": "1998-07-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292594", "@fin": "2003-08-02", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "1998-07-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292595", "@fin": "2004-08-07", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2003-08-02", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292596", "@fin": "2005-01-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2004-08-07", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292597", "@fin": "2005-12-31", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-01-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292598", "@fin": "2008-08-06", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2005-12-31", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019293618", "@fin": "2009-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2008-08-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000020869767", "@fin": "2010-11-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2009-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000022425994", "@fin": "2010-10-24", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022962972", "@fin": "2011-09-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2010-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000023276505", "@fin": "2013-01-30", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2011-09-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027012114", "@fin": "2014-01-01", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2013-01-30", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000027646168", "@fin": "2013-07-28", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027805373", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031063804", "@fin": "2015-08-19", "@num": "L333-4", "@etat": "MODIFIE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000032236416", "@fin": "2016-07-01", "@num": "L333-4", "@etat": "ABROGE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000028748041", "@fin": "2016-03-17", "@num": "L333-4", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Ce fichier a pour finalité de fournir aux établissements de crédit et aux sociétés de financement mentionnés au titre Ier du livre V du code monétaire et financier, aux établissements de monnaie électronique et aux établissements de paiement mentionnés au titre II du même livre V et aux organismes mentionnés aux 5 et 8 de l'article L. 511-6 du même code un élément d'appréciation de la solvabilité des personnes qui sollicitent un crédit. Toutefois, l'inscription d'une personne physique au sein du fichier n'emporte pas interdiction de délivrer un crédit.

L'organisme de caution mentionné à l'article 26-7 de la loi n° 65-557 du 10 juillet 1965 fixant le statut de la copropriété des immeubles bâtis peut consulter le fichier mentionné au présent article, pour les copropriétaires participant à l'emprunt mentionné à l'article 26-4 de cette même loi.

III.-Dès que la commission instituée à l'article L. 331-1 est saisie par un débiteur, elle en informe la Banque de France aux fins d'inscription au fichier. La même obligation pèse sur le greffe du juge du tribunal d'instance lorsque, sur recours de l'intéressé en application du IV de l'article L. 331-3, la situation visée à l'article L. 331-2 est reconnue par ce juge ou lorsque le débiteur a bénéficié de l'effacement des dettes résultant de la procédure de rétablissement personnel en application des articles L. 332-9, L. 332-5, L. 332-5-1 ou L. 332-5-2.

Le fichier recense les mesures du plan conventionnel de redressement mentionnées à l'article L. 331-6. Ces mesures sont communiquées à la Banque de France par la commission. L'inscription est conservée pendant toute la durée de l'exécution du plan conventionnel, sans pouvoir excéder sept ans.

Le fichier recense également les mesures prises en vertu des articles L. 331-7, L. 331-7-1 et L. 331-7-2 qui sont communiquées à la Banque de France par la commission ou le greffe du juge du tribunal d'instance lorsqu'elles sont soumises à son homologation. L'inscription est conservée pendant toute la durée d'exécution de ces mesures, sans pouvoir excéder sept ans.

Lorsque les mesures du plan conventionnel mentionnées à l'article L. 331-6 et celles prises en application des articles L. 331-7, L. 331-7-1 et L. 331-7-2 sont exécutées sans incident, les informations relatives aux mentions qui ont entraîné leur déclaration sont radiées à l'expiration d'une période de cinq ans à compter de la signature du plan conventionnel ou de la date de la décision de la commission qui impose des mesures ou lorsque les mesures recommandées par la commission ont acquis force exécutoire. Lorsque, pour une même personne, sont prescrits successivement, dans le cadre d'une révision ou d'un renouvellement du plan ou des mesures, un plan conventionnel mentionné à l'article L. 331-6 et des mesures prises en application des articles L. 331-7, L. 331-7-1 et L. 331-7-2, l'inscription est maintenue pendant la durée globale d'exécution du plan et des mesures sans pouvoir excéder sept ans.

IV.-La Banque de France est déliée du secret professionnel pour la diffusion, aux entreprises mentionnées au deuxième alinéa du I, des informations nominatives contenues dans le fichier.

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\n
" } }, "LEGIARTI000031047883": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "23", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000031047883", "URL": "article/LEGI/ARTI/00/00/31/04/78/LEGIARTI000031047883.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000031063837", "@num": "26-4", "#text": "Loi n° 65-557 du 10 juillet 1965 - art. 26-4 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000880200", "@numtexte": "65-557", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "1965-07-10" }, { "@id": "LEGIARTI000031063834", "@num": "26-5", "#text": "Loi n° 65-557 du 10 juillet 1965 - art. 26-5 (M)", "@sens": "source", "@cidtexte": "JORFTEXT000000880200", "@numtexte": "65-557", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "1965-07-10" }, { "@id": "LEGIARTI000031063804", "@num": "L333-4", "#text": "Code de la consommation - art. L333-4 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028748041", "@num": "L333-4", "#text": "Code de la consommation - art. L333-4 (MMN)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063820", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063738", "@num": "L511-33", "#text": "Code monétaire et financier - art. L511-33 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063781", "@num": "L511-6", "#text": "Code monétaire et financier - art. L511-6 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031063763", "@num": "L612-1", "#text": "Code monétaire et financier - art. L612-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031050358", "@num": "L381-3", "#text": "Code de la construction et de l'habitation. - art. L381-3 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006074096", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "#text": "Code monétaire et financier - art. L612-2 (VD)", "@sens": "source", "@typelien": "MODIFIE" }, { "@id": "LEGIARTI000031063749", "@num": "L612-2", "#text": "Code monétaire et financier - art. L612-2 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000031047863", "@fin": "2999-01-01", "#text": "Titre II : MIEUX RÉNOVER LES BÂTIMENTS POUR ÉCONOMISER L'ÉNERGIE, FAIRE BAISSER LES FACTURES ET CRÉER DES EMPLOIS", "@debut": "2015-08-19" } ] }, "@cid": "JORFTEXT000031044385", "@nor": "DEVX1413992L", "@num": "2015-992", "@nature": "LOI", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "LOI n° 2015-992 du 17 août 2015 relative à la transition énergétique pour la croissance verte (1)", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000031044385", "@c_titre_court": "LOI n° 2015-992 du 17 août 2015" }, { "@fin": "2999-01-01", "#text": "LOI n° 2015-992 du 17 août 2015 relative à la transition énergétique pour la croissance verte (1)", "@debut": "2015-08-19", "@id_txt": "LEGITEXT000031047847", "@c_titre_court": "LOI n°2015-992 du 17 août 2015" } ], "@date_publi": "2015-08-18", "@date_signature": "2015-08-17" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000031047883", "@fin": "2999-01-01", "@num": "23", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000031044500", "@fin": "2999-01-01", "@num": "23", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

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A modifié les dispositions suivantes :

-Code de la consommation
Art. L333-4
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Article L313-6 AUTONOME MODIFIE, en vigueur du 19/08/2015 au 01/07/2016 (Code monétaire et financier)