{ "article": { "LEGIARTI000032226781": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L222-11", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032226781", "URL": "article/LEGI/ARTI/00/00/32/22/67/LEGIARTI000032226781.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000028747592", "@num": "L121-29", "#text": "Code de la consommation - art. L121-29, IV, alinéa 1 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226775", "@num": "L222-14", "#text": "Code de la consommation - art. L222-14 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032221967", "@num": "L311-1", "#text": "Code de la consommation - art. L311-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032226791", "@fin": "2999-01-01", "#text": "Section 4 : Délai de rétractation", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226813", "@fin": "2999-01-01", "#text": "Chapitre II : Dispositions particulières aux contrats conclus à distance portant sur des services financiers", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226893", "@fin": "2999-01-01", "#text": "Titre II : RÈGLES DE FORMATION ET D'EXÉCUTION DE CERTAINS CONTRATS", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227021", "@fin": "2999-01-01", "#text": "Livre II : FORMATION ET ÉXECUTION DES CONTRATS", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@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": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032226781", "@fin": "2999-01-01", "@num": "L222-11", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Pour les contrats de crédit affecté définis au 9° de l'article L. 311-1 conclus selon une technique de communication à distance, le délai de rétractation de quatorze jours ne peut pas être réduit.

" } }, "LEGIARTI000028747592": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L121-29", "ETAT": "ABROGE", "TYPE": "AUTONOME", "DATE_FIN": "2016-07-01", "DATE_DEBUT": "2014-07-26" } }, "META_COMMUN": { "ID": "LEGIARTI000028747592", "URL": "article/LEGI/ARTI/00/00/28/74/75/LEGIARTI000028747592.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Loi n° 2014-344 du 17 mars 2014, art. 9 III : Les dispositions du présent article s'appliquent aux offres émises à compter du 26 juillet 2014.

" }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000000684045", "#text": "Loi 72-1137 1972-12-22 art. 6 al. 1 et 2", "@sens": "source", "@cidtexte": "JORFTEXT000000684045", "@numtexte": "72-1137", "@typelien": "CONCORDANCE", "@naturetexte": "LOI", "@datesignatexte": "1972-12-22" }, { "@id": "LEGIARTI000006507803", "@num": "6", "#text": "Loi n°72-1137 du 22 décembre 1972 - art. 6 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000684045", "@numtexte": "72-1137", "@typelien": "CONCORDE", "@naturetexte": "LOI", "@datesignatexte": "1972-12-22" }, { "@id": "JORFTEXT000000529228", "#text": "Loi n° 93-949 du 26 juillet 1993", "@sens": "source", "@cidtexte": "JORFTEXT000000529228", "@nortexte": "ECOX9300016L", "@numtexte": "93-949", "@typelien": "CODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "1993-07-26" }, { "@id": "LEGIARTI000028739866", "@num": "9", "#text": "LOI n° 2014-344 du 17 mars 2014 - art. 9 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000028738036", "@nortexte": "EFIX1307316L", "@numtexte": "2014-344", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2014-03-17" }, { "@id": "LEGIARTI000028739866", "@num": "9", "#text": "LOI n°2014-344\n du 17 mars 2014 - art. 9 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000028738036", "@nortexte": "EFIX1307316L", "@numtexte": "2014-344", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2014-03-17" }, { "@id": "LEGIARTI000032216175", "@num": "34", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art. 34 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "ABROGE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000022441302", "@num": "L121-20-12", "#text": "Code de la consommation - art. L121-20-12 (T)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292092", "@num": "L121-28", "#text": "Code de la consommation - art. L121-28", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028747578", "@num": "L121-30", "#text": "Code de la consommation - art. L121-30 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292118", "@num": "L121-60", "#text": "Code de la consommation - art. L121-60", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028747922", "@num": "L123-3", "#text": "Code de la consommation - art. L123-3 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226783", "@num": "L222-10", "#text": "Code de la consommation - art. L222-10 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226781", "@num": "L222-11", "#text": "Code de la consommation - art. L222-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226779", "@num": "L222-12", "#text": "Code de la consommation - art. L222-12 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226789", "@num": "L222-7", "#text": "Code de la consommation - art. L222-7 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226785", "@num": "L222-9", "#text": "Code de la consommation - art. L222-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292377", "@num": "L311-1", "#text": "Code de la consommation - art. L311-1", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292438", "@num": "L312-2", "#text": "Code de la consommation - art. L312-2", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292534", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032551071", "@num": "R121-3", "#text": "Code de la consommation - art. R121-3 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029472622", "@num": "R121-4", "#text": "Code de la consommation - art. R121-4 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032235693", "@num": "L221-18", "#text": "Code de la mutualité - art. L221-18 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074067", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033613010", "@num": "L932-15-1", "#text": "Code de la sécurité sociale. - art. L932-15-1 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073189", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031089760", "@num": "L112-2-1", "#text": "Code des assurances - art. L112-2-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028747915", "@num": "L341-12", "#text": "Code monétaire et financier - art. L341-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029472695", "@num": "R341-16", "#text": "Code monétaire et financier - art. R341-16 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006646457", "@num": "L211-1", "#text": "Code monétaire et financier - art. 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L321-1", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006161821", "@fin": "2014-06-14", "#text": "Section 3 : Démarchage", "@debut": "1993-07-27" }, { "@id": "LEGISCTA000028747523", "@fin": "2016-07-01", "#text": "Section 3 : Dispositions particulières aux contrats conclus à distance portant sur des services financiers", "@debut": "2014-06-14" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006146556", "@fin": "2016-07-01", "#text": "Chapitre Ier : Pratiques commerciales réglementées", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006133621", "@fin": "2017-07-01", "#text": "Titre II : Pratiques commerciales", "@debut": "1993-07-27" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006114371", "@fin": "2017-07-01", "#text": "Livre Ier : Information des consommateurs et formation des contrats", "@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": "LEGIARTI000006292095", "@fin": "2005-05-07", "@num": "L121-29", "@etat": "MODIFIE", "@debut": "1993-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006292096", "@fin": "2014-07-26", "@num": "L121-29", "@etat": "MODIFIE", "@debut": "2005-05-07", "@origine": "LEGI" } }, { "@etat": "ABROGE", "LIEN_ART": { "@id": "LEGIARTI000028747592", "@fin": "2016-07-01", "@num": "L121-29", "@etat": "ABROGE", "@debut": "2014-07-26", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

I.-Le consommateur dispose d'un délai de quatorze jours calendaires révolus pour exercer son droit de rétractation, sans avoir à justifier de motif ni à supporter de pénalités.

Le délai pendant lequel peut s'exercer le droit de rétractation court à compter du jour où :

1° Le contrat à distance est conclu ;

2° Le consommateur reçoit les conditions contractuelles et les informations, conformément à l'article L. 121-28, si cette dernière date est postérieure à celle mentionnée au 1° du présent I.

II.-Le droit de rétractation ne s'applique pas :

1° A la fourniture d'instruments financiers mentionnés à l'article L. 211-1 du code monétaire et financier ainsi qu'aux services de réception-transmission et exécution d'ordres pour le compte de tiers mentionnés à l'article L. 321-1 du même code ;

2° Aux contrats exécutés intégralement par les deux parties à la demande expresse du consommateur avant que ce dernier n'exerce son droit de rétractation ;

3° Aux contrats de crédit immobilier définis à l'article L. 312-2 du présent code ;

4° Aux contrats de prêts viagers hypothécaires définis à l'article L. 314-1.

III.-Le présent article ne s'applique pas aux contrats mentionnés à l'article L. 121-60.

IV.-Pour les contrats de crédit affecté définis au 9° de l'article L. 311-1 conclus selon une technique de communication à distance, le délai de rétractation de quatorze jours ne peut pas être réduit.

L'exercice du droit de rétractation emporte résolution de plein droit du contrat de vente ou de prestation de services.

Si le bien ou la prestation de services à financer ne sont pas vendus à distance et que le consommateur, par une demande expresse, sollicite la livraison ou la fourniture immédiate du bien ou du service, l'exercice du droit de rétractation n'emporte résolution de plein droit du contrat de vente ou de prestation de services que s'il intervient dans un délai de trois jours à compter de la conclusion du contrat de crédit. Toute livraison ou fourniture anticipée est à la charge du vendeur, qui en supporte tous les risques.

" } }, "LEGIARTI000032216177": { "META": { "META_SPEC": { "META_ARTICLE": { "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032216177", "URL": "article/LEGI/ARTI/00/00/32/21/61/LEGIARTI000032216177.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGISCTA000032224723", "#text": "Code de la consommation - Chapitre II : Action en représentation conjointe (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225542", "#text": "Code de la consommation - Chapitre II : Activité d'intermédiaire (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225388", "#text": "Code de la consommation - Chapitre II : Autres signes d'identification de... 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(VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225380", "#text": "Code de la consommation - Section 2 : Appellation d'origine protégée, ind... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225156", "#text": "Code de la consommation - Section 2 : Autres agents habilités (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032224396", "#text": "Code de la consommation - Section 2 : Contestation de la recommandation a... 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(VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225488", "#text": "Code de la consommation - Section 2 : Mesures spécifiques (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032224965", "#text": "Code de la consommation - Section 2 : Mesures spécifiques applicables aux... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032226878", "#text": "Code de la consommation - Section 2 : Obligation d'information précontrac... 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(VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225816", "#text": "Code de la consommation - Section 2 : Regroupements de crédits (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032224846", "#text": "Code de la consommation - Section 2 : Sanctions administratives (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225536", "#text": "Code de la consommation - Section 2 : Sanctions pénales (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225356", "#text": "Code de la consommation - Section 2 : Services et produits autres qu'agri... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225404", "#text": "Code de la consommation - Section 2 : Utilisation du logo \"appellation d'... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032228184", "#text": "Code de la consommation - Section 3 : Action conjointe et intervention en... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032228184", "#text": "Code de la consommation - Section 3 : Action conjointe et intervention en... 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(VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225951", "#text": "Code de la consommation - Section 3 : Information précontractuelle de l'e... 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(VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225400", "#text": "Code de la consommation - Section 3 : Protection administrative (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032227272", "#text": "Code de la consommation - Section 3 : Refus et subordination de vente et ... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032227184", "#text": "Code de la consommation - Section 3 : Règles propres à certaines publicit... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032224388", "#text": "Code de la consommation - Section 3 : Rétablissement personnel sans liqui... (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032228057", "#text": "Code de la consommation - Section 3 : Sûretés personnelles\n (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032228057", "#text": "Code de la consommation - Section 3 : Sûretés personnelles\n (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225581", "#text": "Code de la consommation - Section 3 : Taux d'intérêt (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032225749", "#text": "Code de la consommation - Section 4 : Affectation et entretien de l'immeuble (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032224333", "#text": "Code de la consommation - Section 4 : Clôture de la procédure (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032224729", "#text": "Code de la consommation - Section 4 : Dispositions communes (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032226862", "#text": "Code de la consommation - Section 4 : Dispositions particulières applicab... 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L132-27 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032227029", "@num": "L132-28", "#text": "Code de la consommation - art. L132-28 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032227118", "@num": "L132-3", "#text": "Code de la consommation - art. L132-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032227116", "@num": "L132-4", "#text": "Code de la consommation - art. L132-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032227114", "@num": "L132-5", "#text": "Code de la consommation - art. 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L511-11 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225175", "@num": "L511-12", "#text": "Code de la consommation - art. L511-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225173", "@num": "L511-13", "#text": "Code de la consommation - art. L511-13 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225171", "@num": "L511-14", "#text": "Code de la consommation - art. L511-14 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225169", "@num": "L511-15", "#text": "Code de la consommation - art. L511-15 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225165", "@num": "L511-16", "#text": "Code de la consommation - art. L511-16 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225163", "@num": "L511-17", "#text": "Code de la consommation - art. L511-17 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225161", "@num": "L511-18", "#text": "Code de la consommation - art. L511-18 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225159", "@num": "L511-19", "#text": "Code de la consommation - art. L511-19 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225206", "@num": "L511-2", "#text": "Code de la consommation - art. L511-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225154", "@num": "L511-20", "#text": "Code de la consommation - art. L511-20 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225150", "@num": "L511-21", "#text": "Code de la consommation - art. L511-21 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225148", "@num": "L511-22", "#text": "Code de la consommation - art. L511-22 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225146", "@num": "L511-23", "#text": "Code de la consommation - art. L511-23 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225144", "@num": "L511-24", "#text": "Code de la consommation - art. L511-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225142", "@num": "L511-25", "#text": "Code de la consommation - art. L511-25 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225140", "@num": "L511-26", "#text": "Code de la consommation - art. L511-26 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225197", "@num": "L511-3", "#text": "Code de la consommation - art. L511-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225195", "@num": "L511-4", "#text": "Code de la consommation - art. L511-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225191", "@num": "L511-5", "#text": "Code de la consommation - art. L511-5 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225189", "@num": "L511-6", "#text": "Code de la consommation - art. L511-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225187", "@num": "L511-7", "#text": "Code de la consommation - art. L511-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225185", "@num": "L511-8", "#text": "Code de la consommation - art. L511-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225183", "@num": "L511-9", "#text": "Code de la consommation - art. L511-9 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225134", "@num": "L512-1", "#text": "Code de la consommation - art. L512-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225109", "@num": "L512-10", "#text": "Code de la consommation - art. L512-10 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225107", "@num": "L512-11", "#text": "Code de la consommation - art. L512-11 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225105", "@num": "L512-12", "#text": "Code de la consommation - art. L512-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225103", "@num": "L512-13", "#text": "Code de la consommation - art. L512-13 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225101", "@num": "L512-14", "#text": "Code de la consommation - art. L512-14 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225099", "@num": "L512-15", "#text": "Code de la consommation - art. L512-15 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225095", "@num": "L512-16", "#text": "Code de la consommation - art. L512-16 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225091", "@num": "L512-17", "#text": "Code de la consommation - art. L512-17 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225087", "@num": "L512-18", "#text": "Code de la consommation - art. L512-18 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225085", "@num": "L512-19", "#text": "Code de la consommation - art. L512-19 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225132", "@num": "L512-2", "#text": "Code de la consommation - art. L512-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225083", "@num": "L512-20", "#text": "Code de la consommation - art. L512-20 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225081", "@num": "L512-21", "#text": "Code de la consommation - art. L512-21 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225078", "@num": "L512-22", "#text": "Code de la consommation - art. L512-22 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225073", "@num": "L512-23", "#text": "Code de la consommation - art. L512-23 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225071", "@num": "L512-24", "#text": "Code de la consommation - art. L512-24 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225067", "@num": "L512-25", "#text": "Code de la consommation - art. L512-25 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225065", "@num": "L512-26", "#text": "Code de la consommation - art. L512-26 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225063", "@num": "L512-27", "#text": "Code de la consommation - art. L512-27 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225061", "@num": "L512-28", "#text": "Code de la consommation - art. L512-28 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225059", "@num": "L512-29", "#text": "Code de la consommation - art. L512-29 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225130", "@num": "L512-3", "#text": "Code de la consommation - art. L512-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225057", "@num": "L512-30", "#text": "Code de la consommation - art. L512-30 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225055", "@num": "L512-31", "#text": "Code de la consommation - art. L512-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225053", "@num": "L512-32", "#text": "Code de la consommation - art. L512-32 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225051", "@num": "L512-33", "#text": "Code de la consommation - art. L512-33 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225047", "@num": "L512-34", "#text": "Code de la consommation - art. L512-34 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225045", "@num": "L512-35", "#text": "Code de la consommation - art. L512-35 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225043", "@num": "L512-36", "#text": "Code de la consommation - art. L512-36 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225041", "@num": "L512-37", "#text": "Code de la consommation - art. L512-37 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225039", "@num": "L512-38", "#text": "Code de la consommation - art. L512-38 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225035", "@num": "L512-39", "#text": "Code de la consommation - art. L512-39 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225128", "@num": "L512-4", "#text": "Code de la consommation - art. L512-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225033", "@num": "L512-40", "#text": "Code de la consommation - art. L512-40 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225031", "@num": "L512-41", "#text": "Code de la consommation - art. L512-41 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225029", "@num": "L512-42", "#text": "Code de la consommation - art. L512-42 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225027", "@num": "L512-43", "#text": "Code de la consommation - art. L512-43 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225025", "@num": "L512-44", "#text": "Code de la consommation - art. L512-44 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225023", "@num": "L512-45", "#text": "Code de la consommation - art. L512-45 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225021", "@num": "L512-46", "#text": "Code de la consommation - art. L512-46 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225019", "@num": "L512-47", "#text": "Code de la consommation - art. L512-47 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225017", "@num": "L512-48", "#text": "Code de la consommation - art. L512-48 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225015", "@num": "L512-49", "#text": "Code de la consommation - art. L512-49 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225122", "@num": "L512-5", "#text": "Code de la consommation - art. L512-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225011", "@num": "L512-50", "#text": "Code de la consommation - art. L512-50 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225007", "@num": "L512-51", "#text": "Code de la consommation - art. L512-51 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225005", "@num": "L512-52", "#text": "Code de la consommation - art. L512-52 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225003", "@num": "L512-53", "#text": "Code de la consommation - art. L512-53 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225001", "@num": "L512-54", "#text": "Code de la consommation - art. L512-54 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032224999", "@num": "L512-55", "#text": "Code de la consommation - art. L512-55 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032224997", "@num": "L512-56", "#text": "Code de la consommation - art. L512-56 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032224995", "@num": "L512-57", "#text": "Code de la consommation - art. L512-57 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CODIFICATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032224993", "@num": "L512-58", "#text": "Code de la consommation - art. 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A créé les dispositions suivantes :

- Code de la consommation
\n Sct. Partie législative nouvelle, Sct. Livre Ier : INFORMATION DES CONSOMMATEURS ET PRATIQUES COMMERCIALES, Sct. Titre Ier : INFORMATION DES CONSOMMATEURS, Sct. Chapitre Ier : Obligation générale d'information précontractuelle, Art. L111-1, Art. L111-2, Art. L111-3, Art. L111-4, Art. L111-5, Art. L111-6, Art. L111-7, Art. L111-8, Sct. Chapitre II : Information sur les prix et conditions de vente, Art. L112-1, Art. L112-2, Art. L112-3, Art. L112-4, Art. L112-5, Art. L112-6, Art. L112-7, Sct. Chapitre III : Information sur les conditions sociales de fabrication des produits, Art. L113-1, Art. L113-2, Sct. Chapitre IV : Remise des contrats-types, Art. L114-1, Sct. Titre II : PRATIQUES COMMERCIALES INTERDITES ET PRATIQUES COMMERCIALES RÉGLEMENTÉES, Sct. Chapitre Ier : Pratiques commerciales interdites, Sct. Section 1 : Pratiques commerciales déloyales, Art. L121-1, Sct. Sous-section 1 : Pratiques commerciales trompeuses, Art. L121-2, Art. L121-3, Art. L121-4, Art. L121-5, Sct. Sous-section 2 : Pratiques commerciales agressives, Art. L121-6, Art. L121-7, Sct. Section 2 : Abus de faiblesse, Art. L121-8, Art. L121-9, Art. L121-10, Sct. Section 3 : Refus et subordination de vente et de prestation de services, Art. L121-11, Sct. Section 4 : Vente et prestation de services sans commande préalable, Art. L121-12, Art. L121-13, Art. L121-14, Sct. Section 5 : Vente ou prestation de services \"à la boule de neige\", Art. L121-15, Sct. Section 6 : Numéro téléphonique surtaxé, Art. L121-16, Sct. Section 7 : Paiement supplémentaire sans consentement exprès, Art. L121-17, Art. L121-18, Sct. Section 8 : Ventes ou prestations de service avec primes, Art. L121-19, Sct. Section 9 : Loteries publicitaires, Art. L121-20, Sct. Section 10 : Frais de recouvrement, Art. L121-21, Sct. Section 11 : Publicité portant sur des opérations commerciales règlementées, Art. L121-22, Sct. Chapitre II : Pratiques commerciales réglementées, Sct. Section 1 : Publicité comparative, Art. L122-1, Art. L122-2, Art. L122-3, Art. L122-4, Art. L122-5, Art. L122-6, Art. L122-7, Sct. Section 2 : Offres et opérations promotionnelles proposées par voie électronique, Art. L122-8, Art. L122-9, Art. L122-10, Sct. Section 3 : Règles propres à certaines publicités et pratiques commerciales, Sct. Sous-section 1 : Classement énergétique, Art. L122-11, Sct. Sous-section 2 : Préparations pour nourrissons, Art. L122-12, Art. L122-13, Art. L122-14, Art. L122-15, Art. L122-16, Sct. Sous-section 3 : Appellation de boulanger et enseigne de boulangerie, Art. L122-17, Art. L122-18, Sct. Sous-section 4 : Utilisation de la mention \"fait maison\", Art. L122-19, Art. L122-20, Art. L122-21, Sct. Titre III : SANCTIONS, Sct. Chapitre Ier : Information des consommateurs, Sct. Section 1 : Obligation générale d'information précontractuelle, Art. L131-1, Art. L131-2, Art. L131-3, Art. L131-4, Sct. Section 2 : Information sur les prix et conditions de vente, Art. L131-5, Art. L131-6, Sct. Chapitre II : Pratiques commerciales interdites et pratiques commerciales réglementées, Sct. Section 1 : Pratiques commerciales interdites, Sct. Sous-section 1 : Pratiques commerciales trompeuses, Art. L132-1, Art. L132-2, Art. L132-3, Art. L132-4, Art. L132-5, Art. L132-6, Art. L132-7, Art. L132-8, Art. L132-9, Sct. Sous-section 2 : Pratiques commerciales agressives, Sct. Paragraphe 1 : Sanctions civiles, Art. L132-10, Sct. Paragraphe 2 : Sanctions pénales, Art. L132-11, Art. L132-12, Sct. Sous-section 3 : Abus de faiblesse, Sct. Paragraphe 1 : Sanctions civiles, Art. L132-13, Art. L132-14, Art. L132-15, Sct. Sous-section 4 : Vente et prestation de services sans commande préalable, Sct. Paragraphe 1 : Sanctions civiles, Art. L132-16, Sct. Paragraphe 2 : Sanctions pénales, Art. L132-17, Art. L132-18, Sct. Sous-section 5 : Vente ou prestation \"à la boule de neige\", Art. L132-19, Art. L132-20, Sct. Sous-section 6 : Numéro téléphonique surtaxé, Art. L132-21, Sct. Sous-section 7 : Paiement supplémentaire sans consentement exprès, Art. L132-22, Sct. Sous-section 8 : Frais de recouvrement, Art. L132-23, Sct. Sous-section 9 : Publicité portant sur des opérations commerciales réglementées, Art. L132-24, Sct. Section 2 : Pratiques commerciales réglementées, Sct. Sous-section 1 : Publicité comparative, Art. L132-25, Sct. Sous-section 2 : Offres et opérations promotionnelles proposées par voie électronique, Art. L132-26, Sct. Sous-section 3 : Appellation boulanger et enseigne de boulangerie, Art. L132-27, Art. L132-28, Sct. Titre IV : DISPOSITIONS RELATIVES À L'OUTRE-MER, Sct. Chapitre unique : Dispositions communes, Art. L141-1, Sct. Livre II : FORMATION ET ÉXECUTION DES CONTRATS, Sct. Titre Ier : CONDITIONS GÉNÉRALES DES CONTRATS, Sct. Chapitre Ier : Présentation des contrats, Art. L211-1, Art. L211-2, Art. L211-3, Art. L211-4, Sct. Chapitre II : Clauses abusives, Art. L212-1, Art. L212-2, Art. L212-3, Sct. Chapitre III : Conservation des contrats conclus par voie électronique, Art. L213-1, Sct. Chapitre IV : Arrhes et acomptes, Art. L214-1, Art. L214-2, Art. L214-3, Art. L214-4, Sct. Chapitre V : Reconduction des contrats de prestations de services, Art. L215-1, Art. L215-2, Art. L215-3, Art. L215-4, Art. L215-5, Sct. Chapitre VI : Livraison et transfert de risque, Art. L216-1, Art. L216-2, Art. L216-3, Art. L216-4, Art. L216-5, Art. L216-6, Sct. Chapitre VII : Obligation de conformité au contrat, Sct. Section 1 : Champ d'application, Art. L217-1, Art. L217-2, Art. L217-3, Sct. Section 2 : Garantie légale de conformité, Art. L217-4, Art. L217-5, Art. L217-6, Art. L217-7, Art. L217-8, Art. L217-9, Art. L217-10, Art. L217-11, Art. L217-12, Art. L217-13, Art. L217-14, Sct. Section 3 : Garantie commerciale, Art. L217-15, Art. L217-16, Sct. Section 4 : Prestations de services après-vente, Art. L217-17, Art. L217-18, Art. L217-19, Art. L217-20, Sct. Chapitre VIII : Prescription, Art. L218-1, Art. L218-2, Sct. Titre II : RÈGLES DE FORMATION ET D'EXÉCUTION DE CERTAINS CONTRATS, Sct. Chapitre Ier : Contrats conclus à distance et hors établissement, Sct. Section 1 : Définitions et champ d'application, Art. L221-1, Art. L221-2, Art. L221-3, Art. L221-4, Sct. Section 2 : Obligation d'information précontractuelle, Art. L221-5, Art. L221-6, Art. L221-7, Sct. Section 3 : Dispositions particulières applicables aux contrats conclus hors établissement, Art. L221-8, Art. L221-9, Art. L221-10, Sct. Section 4 : Dispositions particulières applicables aux contrats conclus à distance, Art. L221-11, Art. L221-12, Art. L221-13, Art. L221-14, Art. L221-15, Sct. Section 5 : Démarchage téléphonique et prospection commerciale, Art. L221-16, Art. L221-17, Sct. Section 6 : Droit de rétractation applicable aux contrats conclus à distance et hors établissement, Art. L221-18, Art. L221-19, Art. L221-20, Art. L221-21, Art. L221-22, Art. L221-23, Art. L221-24, Art. L221-25, Art. L221-26, Art. L221-27, Art. L221-28, Sct. Section 7 : Dispositions d'ordre public, Art. L221-29, Sct. Chapitre II : Dispositions particulières aux contrats conclus à distance portant sur des services financiers, Sct. Section 1 : Champ d'application et définitions, Art. L222-1, Art. L222-2, Art. L222-3, Art. L222-4, Sct. Section 2 : Obligation d'information précontractuelle, Art. L222-5, Sct. Section 3 : Formation et exécution du contrat, Art. L222-6, Sct. Section 4 : Délai de rétractation, Art. L222-7, Art. L222-8, Art. L222-9, Art. L222-10, Art. L222-11, Art. L222-12, Art. L222-13, Art. L222-14, Art. L222-15, Art. L222-16, Art. L222-17, Sct. Section 5 : Dispositions d'ordre public, Art. L222-18, Sct. Chapitre III : Opposition au démarchage téléphonique, Art. L223-1, Art. L223-2, Art. L223-3, Art. L223-4, Art. L223-5, Art. L223-6, Art. L223-7, Sct. Chapitre IV : Règles spécifiques à des contrats ayant un objet particulier, Sct. Section 1 : Contrats de fourniture d'électricité ou de gaz naturel, Sct. Sous-section 1 : Champ d'application, Art. L224-1, Art. L224-2, Sct. Sous-section 2 : Information précontractuelle, Art. L224-3, Art. L224-4, Art. L224-5, Sct. Sous-section 3 : Formation du contrat, Art. L224-6, Art. L224-7, Art. L224-8, Sct. Sous-section 4 : Exécution du contrat, Art. L224-9, Art. L224-10, Art. L224-11, Art. L224-12, Art. L224-13, Art. L224-14, Art. L224-15, Sct. Sous-section 5 : Dispositions d'ordre public, Art. L224-16, Sct. Section 2 : Contrats relatifs au gaz de pétrole liquéfié, Art. L224-17, Art. L224-18, Art. L224-19, Art. L224-20, Art. L224-21, Art. L224-22, Art. L224-23, Art. L224-24, Art. L224-25, Sct. Section 3 : Contrats de services de communications électroniques, Art. L224-26, Sct. Sous-section 1 : Information du consommateur, Art. L224-27, Sct. Sous-section 2 : Formation du contrat, Art. L224-28, Art. L224-29, Art. L224-30, Art. L224-31, Art. L224-32, Sct. Sous-section 3 : Exécution du contrat, Art. L224-33, Art. L224-34, Art. L224-35, Art. L224-36, Art. L224-37, Art. L224-38, Art. L224-39, Art. L224-40, Art. L224-41, Art. L224-42, Sct. Section 4 : Services accessibles par l'intermédiaire des opérateurs de communications électroniques, Sct. Sous-section 1 : Services à valeur ajoutée, Art. L224-43, Art. L224-44, Art. L224-45, Art. L224-46, Art. L224-47, Art. L224-48, Art. L224-49, Art. L224-50, Art. L224-51, Art. L224-52, Art. L224-53, Art. L224-54, Art. L224-55, Art. L224-56, Sct. Sous-section 2 : Renseignements téléphoniques, Art. L224-57, Art. L224-58, Sct. Section 5 : Contrats conclus dans les foires et salons, Art. L224-59, Art. L224-60, Art. L224-61, Art. L224-62, Sct. Section 6 : Transports et automobile, Sct. Sous-section 1 : Contrats de transport de déménagement, Art. L224-63, Art. L224-64, Sct. Sous-section 2 : Contrats de transport hors déménagement, Art. L224-65, Sct. Sous-section 3 : Contrats de transport aérien, Art. L224-66, Sct. Sous-section 4 : Entretien et réparation automobile, Art. L224-67, Sct. Sous-section 5 : Stationnement, Art. L224-68, Sct. Section 7 : Contrats d'utilisation de biens à temps partagé, contrats de produit de vacances à long terme, contrats de revente et contrats d'échange, Sct. Sous-section 1 : Champ d'application et définitions, Art. L224-69, Art. L224-70, Sct. Sous-section 2 : Publicité, Art. L224-71, Art. L224-72, Sct. Sous-section 3 : Information précontractuelle, Art. L224-73, Art. L224-74, Art. L224-75, Sct. Sous-section 4 : Formation du contrat, Art. L224-76, Art. L224-77, Art. L224-78, Art. L224-79, Art. L224-80, Art. L224-81, Art. L224-82, Art. L224-83, Art. L224-84, Art. L224-85, Art. L224-86, Art. L224-87, Art. L224-88, Sct. Sous-section 5 : Dispositions d'ordre public, Art. L224-89, Sct. Section 8 : Contrats de courtage matrimonial, Art. L224-90, Art. L224-91, Art. L224-92, Art. L224-93, Art. L224-94, Art. L224-95, Sct. Section 9 : Contrats d'achats de métaux précieux, Art. L224-96, Art. L224-97, Art. L224-98, Art. L224-99, Sct. Section 10 : Contrats dans les domaines bancaire, financier et des assurances, Art. L224-100, Art. L224-101, Art. L224-102, Sct. Section 11 : Enseignement, Art. L224-103, Sct. Section 12 : Contrats portant sur les voyages à forfait, Art. L224-104, Sct. Section 13 : Contrats de prestations de soins médicaux, Art. L224-105, Sct. Section 14 : Contrats d'hébergement de personnes âgées et services d'aide et d'assistance à domicile, Art. L224-106, Art. L224-107, Sct. Section 15 : Contrats de services funéraires, Art. L224-108, Sct. Titre III : LOI APPLICABLE AUX CONTRATS TRANSFRONTALIERS, Sct. Chapitre Ier : Dispositions communes, Art. L231-1, Sct. Chapitre II : Droit applicable aux contrats, Art. L232-1, Art. L232-2, Art. L232-3, Art. L232-4, Art. L232-5, Art. L232-6, Sct. Titre IV : SANCTIONS, Sct. Chapitre Ier : Conditions générales des contrats, Sct. Section 1 : Clauses abusives, Sct. Sous-section 1 : Sanctions civiles, Art. L241-1, Sct. Sous-section 2 : Sanctions administratives, Art. L241-2, Sct. Section 2 : Reconduction des contrats de prestations de services, Art. L241-3, Sct. Section 3 : Livraison et transfert de risque, Art. L241-4, Sct. Section 4 : Obligation de conformité au contrat, Sct. Sous-section 1 : Sanctions civiles, Art. L241-5, Sct. Sous-section 2 : Sanctions administratives, Art. L241-6, Art. L241-7, Sct. Chapitre II : Règles de formation et d'exécution de certains contrats, Sct. Section 1 : Contrats conclus à distance et hors établissement, Sct. Sous-section 1 : Sanctions civiles, Art. L242-1, Art. L242-2, Art. L242-3, Art. L242-4, Sct. Sous-section 2 : Sanctions pénales, Art. L242-5, Art. L242-6, Art. L242-7, Art. L242-8, Art. L242-9, Sct. Sous-section 3 : Sanctions administratives, Art. L242-10, Art. L242-11, Art. L242-12, Art. L242-13, Art. L242-14, Sct. Section 2 : Dispositions particulières aux contrats conclus à distance, Art. L242-15, Sct. Section 3 : Opposition au démarchage téléphonique, Art. L242-16, Sct. Section 4 : Règles spécifiques à des contrats ayant un objet particulier, Sct. Sous-section 1 : Contrats relatifs au gaz de pétrole liquéfié, Sct. Paragraphe 1 : Sanctions civiles, Art. L242-17, Sct. Paragraphe 2 : Sanctions administratives, Art. L242-18, Sct. Sous-section 2 : Contrats de services de communications électroniques, Sct. Paragraphe 1 : Sanctions civiles, Art. L242-19, Sct. Paragraphe 2 : Sanctions administratives, Art. L242-20, Sct. Sous-section 3 : Services accessibles par l'intermédiaire des opérateurs de communications électroniques, Art. L242-21, Sct. Sous-section 4 : Contrats conclus dans les foires et salons, Sct. Paragraphe 1 : Sanctions civiles, Art. L242-22, Sct. Paragraphe 2 : Sanctions administratives, Art. L242-23, Sct. Sous-section 5 : Transports et automobile, Art. L242-24, Art. L242-25, Sct. Sous-section 6 : Contrats d'utilisation de biens à temps partagé, contrats de produit de vacances à long terme, contrats de revente et contrats d'échange, Sct. Paragraphe 1 : Sanctions civiles, Art. L242-26, Sct. Paragraphe 2 : Sanctions pénales, Art. L242-27, Art. L242-28, Art. L242-29, Art. L242-30, Art. L242-31, Sct. Sous-section 7 : Contrats de courtage matrimonial, Sct. Paragraphe 1 : Sanctions civiles, Art. L242-32, Sct. Paragraphe 2 : Sanctions pénales, Art. L242-33, Sct. Sous-section 8 : Contrats d'achat de métaux précieux, Sct. Paragraphe 1 : Sanctions civiles, Art. L242-34, Art. L242-35, Sct. Paragraphe 2 : Sanctions pénales, Art. L242-36, Art. L242-37, Art. L242-38, Sct. Paragraphe 3 : Sanctions administratives, Art. L242-39, Sct. Sous-section 9 : Contrats dans le domaine bancaire, financier et des assurances, Art. L242-40, Art. L242-41, Art. L242-42, Sct. Sous-section 10 : Enseignement, Art. L242-43, Sct. Sous-section 11 : Contrats de prestations de soins médicaux, Art. L242-44, Sct. Sous-section 12 : Contrats de services funéraires, Art. L242-45, Sct. Titre V : DISPOSITIONS RELATIVES À L'OUTRE-MER, Sct. Chapitre unique : Dispositions relatives aux départements et régions d'outre-mer et à certaines collectivités, Art. L251-1, Sct. Livre III : CRÉDIT, Sct. Titre Ier : OPÉRATIONS DE CRÉDIT, Sct. Chapitre Ier : Définitions, Art. L311-1, Sct. Chapitre II : Crédit à la consommation, Sct. Section I : Champ d'application, Art. L312-1, Art. L312-2, Art. L312-3, Art. L312-4, Sct. Section 2 : Publicité, Art. L312-5, Art. L312-6, Art. L312-7, Art. L312-8, Art. L312-9, Art. L312-10, Art. L312-11, Sct. Section 3 : Information précontractuelle de l'emprunteur, Art. L312-12, Art. L312-13, Sct. Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité, Sct. Sous-section 1 : Explications fournies à l'emprunteur, Art. L312-14, Art. L312-15, Sct. Sous-section 2 : Evaluation de la solvabilité de l'emprunteur, Art. L312-16, Art. L312-17, Sct. Section 5 : Formation du contrat de crédit, Art. L312-18, Art. L312-19, Art. L312-20, Art. L312-21, Art. L312-22, Art. L312-23, Art. L312-24, Art. L312-25, Art. L312-26, Art. L312-27, Sct. Section 6 : Informations mentionnées dans le contrat, Art. L312-28, Art. L312-29, Art. L312-30, Sct. Section 7 : Exécution du contrat de crédit, Sct. Sous-section 1 : Information de l'emprunteur, Art. L312-31, Art. L312-32, Art. L312-33, Sct. Sous-section 2 : Remboursement anticipé, Art. L312-34, Art. L312-35, Sct. Sous-section 3 : Défaillance de l'emprunteur, Art. L312-36, Art. L312-37, Art. L312-38, Art. L312-39, Art. L312-40, Sct. Section 8 : Crédit gratuit, Art. L312-41, Art. L312-42, Art. L312-43, Sct. Section 9 : Crédit affecté, Art. L312-44, Art. L312-45, Art. L312-46, Art. L312-47, Art. L312-48, Art. L312-49, Art. L312-50, Art. L312-51, Art. L312-52, Art. L312-53, Art. L312-54, Art. L312-55, Art. L312-56, Sct. Section 10 : Crédit renouvelable, Art. L312-57, Art. L312-58, Sct. Sous-section 1 : Publicité, Art. L312-59, Art. L312-60, Art. L312-61, Sct. Sous-section 2 : Information précontractuelle de l'emprunteur, Art. L312-62, Art. L312-63, Sct. Sous-section 3 : Formation du contrat et mentions obligatoires, Art. L312-64, Art. L312-65, Art. L312-66, Art. L312-67, Sct. Sous-section 4 : Exécution du contrat, Art. L312-68, Art. L312-69, Art. L312-70, Art. L312-71, Art. L312-72, Art. L312-73, Art. L312-74, Sct. Sous-section 5 : Reconduction, Art. L312-75, Art. L312-76, Art. L312-77, Art. L312-78, Art. L312-79, Art. L312-80, Art. L312-81, Art. L312-82, Art. L312-83, Sct. Section 11 : Opérations de découvert en compte, Art. L312-84, Art. L312-85, Art. L312-86, Art. L312-87, Art. L312-88, Art. L312-89, Art. L312-90, Art. L312-91, Art. L312-92, Art. L312-93, Art. L312-94, Sct. Chapitre III : Crédit immobilier, Sct. Section 1 : Champ d'application, Art. L313-1, Art. L313-2, Sct. Section 2 : Publicité et informations générales, Sct. Sous-section 1 : Publicité, Art. L313-3, Art. L313-4, Art. L313-5, Sct. Sous-section 2 : Informations générales, Sct. Section 3 : Information précontractuelle de l'emprunteur, Sct. Sous-section 1 : Fiche d'information standardisée européenne, Sct. Sous-section 2 : Information relative à l'assurance-emprunteur, Art. L313-6, Art. L313-7, Art. L313-8, Sct. Section 4 : Explications fournies à l'emprunteur et évaluation de sa solvabilité, Sct. Section 5 : Formation du contrat de crédit, Art. L313-9, Art. L313-10, Art. L313-11, Art. L313-12, Art. L313-13, Art. L313-14, Art. L313-15, Art. L313-16, Art. L313-17, Art. L313-18, Art. L313-19, Art. L313-20, Art. L313-21, Art. L313-22, Art. L313-23, Art. L313-24, Sct. Section 6 : Contrat principal, Art. L313-25, Art. L313-26, Art. L313-27, Art. L313-28, Art. L313-29, Art. L313-30, Sct. Section 7 : Exécution du contrat de crédit, Sct. Sous-section 1 : Information de l'emprunteur, Art. L313-31, Sct. Sous-section 2 : Remboursement anticipé, Art. L313-32, Art. L313-33, Art. L313-34, Art. L313-35, Art. L313-36, Art. L313-37, Sct. Section 8 : Location-vente et location assortie d'une promesse de vente, Art. L313-38, Art. L313-39, Art. L313-40, Art. L313-41, Art. L313-42, Art. L313-43, Art. L313-44, Art. L313-45, Art. L313-46, Art. L313-47, Art. L313-48, Sct. Section 9 : Crédit libellé en devise étrangère à l'Union européenne, Art. L313-49, Art. L314-1, Art. L314-2, Art. L314-3, Art. L314-4, Art. L314-5, Sct. Sous-section 2 : Taux d'usure, Art. L314-6, Art. L314-7, Art. L314-8, Art. L314-9, Sct. Section 2 : Regroupements de crédits, Art. L314-10, Art. L314-11, Art. L314-12, Art. L314-13, Art. L314-14, Art. L314-15, Art. L314-16, Art. L314-17, Art. L314-18, Art. L314-19, Art. L314-20, Art. L314-21, Sct. Section 6 : Règles de conduite et rémunération du vendeur, Art. L314-22, Art. L314-23, Sct. Section 8 : Dispositions d'ordre public, Art. L314-24, Sct. Chapitre V : Prêt viager hypothécaire, Sct. Section 1 : Définition et champ d'application, Art. L315-1, Art. L315-2, Art. L315-3, Sct. Section 2 : Publicité, Art. L315-4, Art. L315-5, Art. L315-6, Art. L315-7, Art. L315-8, Sct. Section 3 : Formation du contrat de crédit, Art. L315-9, Art. L315-10, Art. L315-11, Sct. Section 4 : Affectation et entretien de l'immeuble, Art. L315-12, Art. L315-13, Art. L315-14, Sct. Section 5 : Plafonnement de la dette, Art. L315-15, Sct. Section 6 : Remboursement anticipé, Art. L315-16, Art. L315-17, Art. L315-18, Art. L315-19, Sct. Section 7 : Terme de l'opération, Art. L315-20, Art. L315-21, Art. L315-22, Art. L315-23, Sct. Titre II : ACTIVITÉ D'INTERMÉDIAIRE, Sct. Chapitre Ier : Champ d'application, Art. L321-1, Art. L321-2, Sct. Chapitre II : Protection des débiteurs et des emprunteurs, Art. L322-1, Art. L322-2, Art. L322-3, Art. L322-4, Sct. Titre III : CAUTIONNEMENT, Sct. Chapitre Ier : Formalisme, Art. L331-1, Art. L331-2, Art. L331-3, Sct. Chapitre II : Proportionnalité, Art. L332-1, Sct. Chapitre III : Information en cours d'exécution, Art. L333-1, Art. L333-2, Sct. Titre IV : SANCTIONS, Sct. Chapitre Ier : Opérations de crédit, Sct. Section 1 : Crédit à la consommation, Sct. Sous-section 1 : Information précontractuelle de l'emprunteur, Art. L341-1, Sct. Sous-section 2 : Formation et exécution du contrat, Sct. Paragraphe 1 : Sanctions civiles, Art. L341-2, Art. L341-3, Art. L341-4, Art. L341-5, Art. L341-6, Art. L341-7, Art. L341-8, Art. L341-9, Art. L341-10, Art. L341-11, Sct. Paragraphe 2 : Sanctions pénales, Art. L341-12, Art. L341-13, Art. L341-14, Art. L341-15, Art. L341-16, Art. L341-17, Art. L341-18, Sct. Sous-section 3 : Opérations de découvert en compte, Art. L341-19, Art. L341-20, Sct. Section 2 : Crédit immobilier, Sct. Sous-section 1 : Publicité et informations générales, Art. L341-21, Art. L341-22, Sct. Sous-section 2 : Formation et exécution du contrat, Sct. Paragraphe 1 : Sanctions civiles, Art. L341-23, Art. L341-24, Art. L341-25, Sct. Paragraphe 2 : Sanctions pénales, Art. L341-26, Art. L341-27, Art. L341-28, Art. L341-29, Art. L341-30, Art. L341-31, Art. L341-32, Art. L341-33, Art. L341-34, Sct. Section 3 : Taux d'intérêt, Sct. Sous-section 1 : Sanctions civiles, Art. L341-35, Sct. Sous-section 2 : Sanctions pénales, Art. L341-36, Art. L341-37, Art. L341-38, Sct. Section 4 : Prêt viager hypothécaire, Sct. Sous-section 1 : Sanctions civiles, Art. L341-39, Art. L341-40, Art. L341-41, Sct. Sous-section 2 : Sanctions pénales, Art. L341-42, Art. L341-43, Art. L341-44, Art. L341-45, Art. L341-46, Art. L341-47, Sct. Chapitre II : Activité d'intermédiaire, Sct. Section 1 : Sanctions civiles, Art. L342-1, Sct. Section 2 : Sanctions pénales, Art. L342-2, Art. L342-3, Art. L342-4, Art. L342-5, Art. L342-6, Sct. Chapitre III : Cautionnement, Art. L343-1, Art. L343-2, Art. L343-3, Art. L343-4, Art. L343-5, Art. L343-6, Sct. Titre V : DISPOSITIONS RELATIVES À L'OUTRE-MER, Sct. Livre IV : CONFORMITÉ ET SÉCURITÉ DES PRODUITS ET SERVICES, Sct. Titre Ier : CONFORMITÉ, Sct. Chapitre Ier : Obligation générale de conformité, Art. L411-1, Art. L411-2, Sct. Chapitre II : Mesures d'application, Sct. Section 1 : Mesures générales, Art. L412-1, Art. L412-2, Sct. Section 2 : Mesures spécifiques, Art. L412-3, Art. L412-4, Art. L412-5, Sct. Chapitre III : Falsifications et infractions relatives aux produits, Art. L413-1, Art. L413-2, Art. L413-3, Art. L413-4, Art. L413-5, Art. L413-6, Art. L413-7, Art. L413-8, Art. L413-9, Sct. Chapitre IV : Dispositions relatives à certains établissements, Art. L414-1, Sct. Titre II : SÉCURITÉ, Sct. Chapitre Ier : Obligation générale de sécurité, Art. L421-1, Art. L421-2, Art. L421-3, Art. L421-4, Art. L421-5, Art. L421-6, Art. L421-7, Sct. Chapitre II : Mesures d'application, Art. L422-1, Art. L422-2, Art. L422-3, Art. L422-4, Sct. Chapitre III : Obligations des producteurs et des distributeurs, Art. L423-1, Art. L423-2, Art. L423-3, Art. L423-4, Sct. Chapitre IV : Dispositions communes, Art. L424-1, Sct. Titre III : VALORISATION DES PRODUITS ET SERVICES, Sct. Chapitre Ier : Appellations d'origine, Sct. Section 1 : Définition et condition d'utilisation, Art. L431-1, Art. L431-2, Sct. Section 2 : Utilisation du logo \"appellation d'origine contrôlée\", Art. L431-3, Sct. Section 3 : Protection administrative, Art. L431-4, Art. L431-5, Sct. Section 4 : Protection judiciaire, Art. L431-6, Art. L431-7, Sct. Chapitre II : Autres signes d'identification de l'origine et de la qualité, Sct. Section 1 : Label rouge, Art. L432-1, Art. L432-2, Sct. Section 2 : Appellation d'origine protégée, indication géographique protégée, spécialité traditionnelle garantie, Art. L432-3, Art. L432-4, Sct. Section 3 : Agriculture biologique, Art. L432-5, Art. L432-6, Sct. Section 4 : Utilisation simultanée d'une marque et d'un mode de valorisation, Art. L432-7, Sct. Chapitre III : Certification de conformité, Sct. Section 1 : Produits agricoles et denrées alimentaires, Art. L433-1, Art. L433-2, Sct. Section 2 : Services et produits autres qu'agricoles, forestiers, alimentaires ou de la mer, Art. L433-3, Art. L433-4, Art. L433-5, Art. L433-6, Art. L433-7, Art. L433-8, Art. L433-9, Art. L433-10, Art. L433-11, Sct. Titre IV : FRAUDES, Sct. Chapitre unique : Tromperies, Art. L441-1, Art. L441-2, Sct. Titre V : SANCTIONS, Sct. Chapitre Ier : Conformité, Sct. Section 1 : Falsifications, Art. L451-1, Art. L451-2, Art. L451-3, Art. L451-4, Art. L451-5, Art. L451-6, Art. L451-7, Art. L451-8, Sct. Section 2 : Infractions relatives aux produits, Art. L451-9, Art. L451-10, Art. L451-11, Art. L451-12, Art. L451-13, Art. L451-14, Art. L451-15, Art. L451-16, Sct. Section 3 : Dispositions relatives à certains établissements, Art. L451-17, Sct. Chapitre II : Sécurité, Art. L452-1, Art. L452-2, Art. L452-3, Art. L452-4, Art. L452-5, Art. L452-6, Sct. Chapitre III : Valorisation des produits et services, Art. L453-1, Art. L453-2, Art. L453-3, Art. L453-4, Art. L453-5, Art. L453-6, Art. L453-7, Art. L453-8, Art. L453-9, Art. L453-10, Sct. Chapitre IV : Fraudes, Art. L454-1, Art. L454-2, Art. L454-3, Art. L454-4, Art. L454-5, Art. L454-6, Art. L454-7, Sct. Chapitre V : Dispositions communes, Art. L455-1, Art. L455-2, Sct. Titre VI : DISPOSITIONS RELATIVES À L'OUTRE-MER, Sct. Livre V : POUVOIRS D'ENQUÊTE ET SUITES DONNÉES AUX CONTRÔLES, Sct. Titre Ier : RECHERCHE ET CONSTATATION, Sct. Chapitre Ier : Habilitations, Art. L511-1, Art. L511-2, Sct. Section 1 : Agents de la concurrence, de la consommation et de la répression des fraudes, Sct. Sous-section 1 : Dispositions générales, Art. L511-3, Art. L511-4, Sct. Sous-section 2 : Informations précontractuelles, pratiques commerciales, contrats et crédit, Art. L511-5, Art. L511-6, Art. L511-7, Art. L511-8, Art. L511-9, Art. L511-10, Sct. Sous-section 3 : Conformité, sécurité et valorisation des produits et services, Art. L511-11, Art. L511-12, Art. L511-13, Art. L511-14, Art. L511-15, Sct. Sous-section 4 : Contrôle des produits avant mise en libre pratique, Art. L511-16, Art. L511-17, Art. L511-18, Art. L511-19, Sct. Section 2 : Autres agents habilités, Art. L511-20, Art. L511-21, Art. L511-22, Art. L511-23, Art. L511-24, Art. L511-25, Art. L511-26, Sct. Chapitre II : Pouvoirs d'enquête, Sct. Section 1 : Dispositions communes, Art. L512-1, Art. L512-2, Art. L512-3, Art. L512-4, Sct. Section 2 : Pouvoirs d'enquête ordinaires, Sct. Sous-section 1 : Accès aux locaux et aux moyens de transport, Art. L512-5, Art. L512-6, Art. L512-7, Sct. Sous-section 2 : Recueil de renseignements et de documents, Art. L512-8, Art. L512-9, Art. L512-10, Art. L512-11, Art. L512-12, Art. L512-13, Art. L512-14, Art. L512-15, Sct. Sous-section 3 : Contrôle de la vente de biens et de la fourniture de services sur internet, Art. L512-16, Sct. Sous-section 4 : Recours à une personne qualifiée, Art. L512-17, Sct. Sous-section 5 : Echange et diffusion d'informations, Art. L512-18, Art. L512-19, Art. L512-20, Art. L512-21, Art. L512-22, Sct. Sous-section 6 : Prélèvement, Art. L512-23, Art. L512-24, Sct. Sous-section 7 : Consignation et saisie, Art. L512-25, Art. L512-26, Art. L512-27, Art. L512-28, Art. L512-29, Art. L512-30, Art. L512-31, Art. L512-32, Art. L512-33, Sct. Sous-section 8 : Consignation soumise à autorisation du juge des libertés et de la détention, Art. L512-34, Art. L512-35, Art. L512-36, Art. L512-37, Art. L512-38, Sct. Sous-section 9 : Expertise, Art. L512-39, Art. L512-40, Art. L512-41, Art. L512-42, Art. L512-43, Art. L512-44, Art. L512-45, Art. L512-46, Art. L512-47, Art. L512-48, Art. L512-49, Sct. Sous-section 10 : Dispositions d'application, Art. L512-50, Sct. Section 3 : Opérations de visites et saisies, Art. L512-51, Art. L512-52, Art. L512-53, Art. L512-54, Art. L512-55, Art. L512-56, Art. L512-57, Art. L512-58, Art. L512-59, Art. L512-60, Art. L512-61, Art. L512-62, Art. L512-63, Art. L512-64, Art. L512-65, Sct. Titre II : MESURES CONSÉCUTIVES AUX CONTRÔLES, Sct. Chapitre Ier : Mesures de police administrative, Sct. Section 1 : Injonctions de mise en conformité, Art. L521-1, Art. L521-2, Art. L521-3, Sct. Section 2 : Mesures spécifiques applicables aux produits, services et établissements, Art. L521-4, Sct. Sous-section 1 : Mesures spécifiques applicables aux établissements et aux produits, Art. L521-5, Art. L521-6, Art. L521-7, Art. L521-8, Art. L521-9, Art. L521-10, Art. L521-11, Art. L521-12, Art. L521-13, Art. L521-14, Art. L521-15, Art. L521-16, Art. L521-17, Art. L521-18, Sct. Sous-section 2 : Mesures spécifiques applicables aux prestations de services, Art. L521-19, Art. L521-20, Art. L521-21, Art. L521-22, Art. L521-23, Art. L521-24, Art. L521-25, Art. L521-26, Sct. Sous-section 3 : Dispositions communes, Art. L521-27, Sct. Chapitre II : Procédure de sanctions administratives, Art. L522-1, Art. L522-2, Art. L522-3, Art. L522-4, Art. L522-5, Art. L522-6, Art. L522-7, Art. L522-8, Art. L522-9, Art. L522-10, Sct. Chapitre III : Transaction, Art. L523-1, Art. L523-2, Art. L523-3, Art. L523-4, Sct. Chapitre IV : Saisine de la juridiction civile ou administrative, Art. L524-1, Art. L524-2, Art. L524-3, Art. L524-4, Sct. Chapitre V : Procédures devant les juridictions, Art. L525-1, Sct. Titre III : SANCTIONS, Sct. Chapitre Ier : Recherche et constatation, Sct. Section 1 : Sanctions pénales, Art. L531-1, Art. L531-2, Art. L531-3, Art. L531-4, Art. L531-5, Sct. Section 2 : Sanctions administratives, Art. L531-6, Sct. Chapitre II : Mesures consécutives aux contrôles, Sct. Section unique : Mesures de police administrative, Sct. Sous-section 1 : Informations précontractuelles, pratiques commerciales, contrats et crédit, Art. L532-1, Sct. Sous-section 2 : Mesures spécifiques applicables aux produits, aux services et aux établissements, Art. L532-2, Art. L532-3, Art. L532-4, Sct. Titre IV : DISPOSITIONS RELATIVES À L'OUTRE-MER, Sct. Livre VI : RÈGLEMENT DES LITIGES, Sct. Titre Ier : MÉDIATION, Sct. Chapitre Ier : Définitions et champ d'application, Art. L611-1, Art. L611-2, Art. L611-3, Art. L611-4, Sct. Chapitre II : Processus de médiation des litiges de consommation, Art. L612-1, Art. L612-2, Art. L612-3, Art. L612-4, Art. L612-5, Sct. Chapitre III : Statut du médiateur de la consommation, Art. L613-1, Art. L613-2, Art. L613-3, Sct. Chapitre IV : Obligations de communication du médiateur de la consommation, Art. L614-1, Art. L614-2, Art. L614-3, Art. L614-4, Art. L614-5, Sct. Chapitre V : Commission d'évaluation et de contrôle de la médiation de la consommation, Art. L615-1, Art. L615-2, Art. L615-3, Art. L615-4, Sct. Chapitre VI : Information et assistance du consommateur, Art. L616-1, Art. L616-2, Art. L616-3, Sct. Titre II : ACTIONS EN JUSTICE DES ASSOCIATIONS DE DÉFENSE DES CONSOMMATEURS, Sct. Chapitre Ier : Actions exercées dans l'intérêt collectif des consommateurs, Sct. Section 1 : Action civile, Art. L621-1, Art. L621-2, Art. L621-3, Art. L621-4, Art. L621-5, Art. L621-6, Sct. Section 2 : Action en cessation d'agissements illicites, Art. L621-7, Art. L621-8, Art. L621-9, Sct. Section 4 : Dispositions communes, Art. L621-10, Art. L621-11, Sct. Chapitre II : Action en représentation conjointe, Art. L622-1, Art. L622-2, Art. L622-3, Art. L622-4, Sct. Chapitre III : Action de groupe, Sct. Section 1 : Champ d'application et qualité pour agir, Art. L623-1, Art. L623-2, Art. L623-3, Sct. Section 2 : Jugement sur la responsabilité, Art. L623-4, Art. L623-5, Art. L623-6, Art. L623-7, Art. L623-8, Art. L623-9, Art. L623-10, Art. L623-11, Art. L623-12, Art. L623-13, Sct. Section 3 : Procédure d'action de groupe simplifiée, Art. L623-14, Art. L623-15, Art. L623-16, Art. L623-17, Sct. Section 4 : Mise en œuvre du jugement, liquidation des préjudices et exécution, Art. L623-18, Art. L623-19, Art. L623-20, Art. L623-21, Sct. Section 5 : Médiation, Art. L623-22, Art. L623-23, Sct. Section 6 : Modalités spécifiques à l'action de groupe intervenant dans le domaine de la concurrence, Art. L623-24, Art. L623-25, Art. L623-26, Sct. Section 7 : Dispositions diverses, Art. L623-27, Art. L623-28, Art. L623-29, Art. L623-30, Art. L623-31, Art. L623-32, Sct. Titre III : COMPÉTENCE DU JUGE, Sct. Titre IV : SANCTIONS, Sct. Chapitre unique : Médiation, Art. L641-1, Sct. Titre V : DISPOSITIONS RELATIVES À L'OUTRE-MER, Sct. Chapitre unique : Dispositions communes, Art. L651-1, Sct. Livre VII : TRAITEMENT DES SITUATIONS DE SURENDETTEMENT, Sct. Titre Ier : DISPOSITIONS GÉNÉRALES RELATIVES AU TRAITEMENT DES SITUATIONS DE SURENDETTEMENT, Sct. Chapitre Ier : Définition et champ d'application, Sct. Section 1 : Définition, Art. L711-1, Art. L711-2, Sct. Section 2 : Exclusions, Art. L711-3, Art. L711-4, Art. L711-5, Sct. Section 3 : Ordre de règlement des créances, Art. L711-6, Sct. Section 4 : Dispositions relatives à l'entrepreneur individuel à responsabilité limitée, Art. L711-7, Art. L711-8, Sct. Chapitre II : Les commissions de surendettement des particuliers, Art. L712-1, Art. L712-2, Art. L712-3, Art. L712-4, Art. L712-5, Art. L712-6, Art. L712-7, Art. L712-8, Art. L712-9, Sct. Chapitre III : Compétence du juge du tribunal d'instance, Art. L713-1, Sct. Titre II : EXAMEN DE LA DEMANDE DE TRAITEMENT DE LA SITUATION DE SURENDETTEMENT, Sct. Chapitre Ier : Saisine de la commission de surendettement des particuliers, Art. L721-1, Art. L721-2, Art. L721-3, Art. L721-4, Art. L721-5, Art. L721-6, Art. L721-7, Sct. Chapitre II : Recevabilité de la demande, Sct. Section 1 : Examen de la recevabilité de la demande, Art. L722-1, Sct. Section 2 : Effets de la décision de recevabilité, Sct. Sous-section 1 : Suspension et interdiction des procédures d'exécution et cessions de rémunération, Art. L722-2, Art. L722-3, Art. L722-4, Art. L722-5, Sct. Sous-section 2 : Suspension des mesures d'expulsion, Art. L722-6, Art. L722-7, Art. L722-8, Art. L722-9, Sct. Sous-section 3 : Autres effets, Art. L722-10, Art. L722-11, Art. L722-12, Art. L722-13, Art. L722-14, Art. L722-15, Art. L722-16, Sct. Chapitre III : Etat du passif, Art. L723-1, Art. L723-2, Art. L723-3, Art. L723-4, Sct. Chapitre IV : Orientation du dossier, Art. L724-1, Art. L724-2, Art. L724-3, Art. L724-4, Art. L724-5, Sct. Titre III : MESURES DE TRAITEMENT DES SITUATIONS DE SURENDETTEMENT, Sct. Chapitre Ier : Détermination de la capacité de remboursement, Art. L731-1, Art. L731-2, Art. L731-3, Sct. Chapitre II : Plan conventionnel, Art. L732-1, Art. L732-2, Art. L732-3, Art. L732-4, Sct. Chapitre III : Mesures imposées ou recommandées, Sct. Section 1 : Contenu et adoption des mesures imposées ou recommandées, Art. L733-1, Art. L733-2, Art. L733-3, Art. L733-4, Art. L733-5, Art. L733-6, Art. L733-7, Art. L733-8, Art. L733-9, Art. L733-10, Art. L733-11, Sct. Section 2 : Contestation des mesures imposées ou recommandées, Art. L733-12, Art. L733-13, Art. L733-14, Art. L733-15, Sct. Section 3 : Dispositions communes aux mesures imposées ou recommandées et à leur contestation, Art. L733-16, Art. L733-17, Art. L733-18, Sct. Titre IV : RÉTABLISSEMENT PERSONNEL, Sct. Chapitre Ier : Rétablissement personnel sans liquidation judiciaire, Sct. Section 1 : Recommandation aux fins de rétablissement personnel sans liquidation judiciaire, Art. L741-1, Art. L741-2, Art. L741-3, Art. L741-4, Sct. Section 2 : Contestation de la recommandation aux fins de rétablissement personnel sans liquidation judiciaire, Art. L741-5, Art. L741-6, Art. L741-7, Sct. Section 3 : Rétablissement personnel sans liquidation judiciaire prononcé sans recommandation, Art. L741-8, Art. L741-9, Art. L741-10, Sct. Chapitre II : Procédure de rétablissement personnel avec liquidation judiciaire, Sct. Section 1 : Ouverture de la procédure, Art. L742-1, Art. L742-2, Art. L742-3, Art. L742-4, Art. L742-5, Art. L742-6, Art. L742-7, Art. L742-8, Art. L742-9, Sct. Section 2 : Déclaration et arrêté des créances, Art. L742-10, Art. L742-11, Art. L742-12, Art. L742-13, Sct. Section 3 : Liquidation des biens du débiteur, Art. L742-14, Art. L742-15, Art. L742-16, Art. L742-17, Art. L742-18, Art. L742-19, Sct. Section 4 : Clôture de la procédure, Art. L742-20, Art. L742-21, Art. L742-22, Art. L742-23, Sct. Section 5 : Plan, Art. L742-24, Art. L742-25, Sct. Chapitre III : Dispositions communes au rétablissement personnel sans liquidation judiciaire et à la procédure de rétablissement personnel avec liquidation judiciaire, Art. L743-1, Art. L743-2, Sct. Titre V : FICHIER NATIONAL RECENSANT LES INFORMATIONS SUR LES INCIDENTS DE PAIEMENT CARACTÉRISÉS, Sct. Chapitre Ier : Objet du fichier, Art. L751-1, Art. L751-2, Art. L751-3, Art. L751-4, Art. L751-5, Art. L751-6, Sct. Chapitre II : Inscription et radiation, Art. L752-1, Art. L752-2, Art. L752-3, Sct. Titre VI : SANCTIONS, Sct. Chapitre Ier : Sanctions civiles, Art. L761-1, Art. L761-2, Sct. Chapitre II : Sanctions pénales, Art. L762-1, Art. L762-2, Sct. Titre VII : DISPOSITIONS RELATIVES À L'OUTRE-MER, Sct. Livre VIII : ASSOCIATIONS AGRÉÉES DE DÉFENSE DES CONSOMMATEURS ET INSTITUTIONS DE LA CONSOMMATION, Sct. Titre Ier : ASSOCIATIONS AGRÉÉES DE DÉFENSE DES CONSOMMATEURS, Sct. Chapitre Ier : Agrément des associations, Art. L811-1, Art. L811-2, Sct. Chapitre II : Reconnaissance spécifique des associations, Sct. Titre II : INSTITUTIONS DE LA CONSOMMATION, Sct. Chapitre Ier : Conseil national de la consommation, Sct. Chapitre II : Institut national de la consommation, Sct. Section 1 : Organisation et missions, Art. L822-1, Art. L822-2, Art. L822-3, Sct. Section 2 : Les commissions placées auprès de l'Institut national de la consommation, Art. L822-4, Art. L822-5, Art. L822-6, Art. L822-7, Art. L822-8, Art. L822-9, Art. L822-10, Art. L822-11, Sct. Chapitre III : Laboratoire national de métrologie et d'essais, Art. L823-1, Art. L823-2, Sct. Chapitre IV : Conseil national de l'alimentation, Sct. Chapitre V : Groupe interministériel de la consommation\n
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Pour l'application des dispositions du présent titre, sont considérés comme :
1° Prêteur, toute personne qui consent ou s'engage à consentir un crédit mentionné à l'article L. 312-1 dans le cadre de l'exercice de ses activités commerciales ou professionnelles ;
2° Emprunteur ou consommateur, toute personne physique qui est en relation avec un prêteur, dans le cadre d'une opération de crédit réalisée ou envisagée dans un but étranger à son activité professionnelle ;
3° Intermédiaire de crédit, toute personne qui, dans le cadre de ses activités commerciales ou professionnelles habituelles et contre une rémunération ou un avantage économique, apporte son concours à la réalisation d'une opération mentionnée au présent titre, sans agir en qualité de prêteur ;
4° Opération ou contrat de crédit, une opération ou un contrat par lequel un prêteur consent ou s'engage à consentir à l'emprunteur un crédit sous la forme d'un délai de paiement, d'un prêt, y compris sous forme de découvert ou de toute autre facilité de paiement similaire, à l'exception des contrats conclus en vue de la fourniture d'une prestation continue ou à exécution successive de services ou de biens de même nature et aux termes desquels l'emprunteur en règle le coût par paiements échelonnés pendant toute la durée de la fourniture ;
5° Coût total du crédit dû par l'emprunteur, tous les coûts, y compris les intérêts, les commissions, les taxes et autres frais que l'emprunteur est tenu de payer pour la conclusion et l'exécution du contrat de crédit et qui sont connus du prêteur, à l'exception des frais d'acte notarié. Ce coût comprend également les coûts relatifs aux services accessoires au contrat de crédit s'ils sont exigés par le prêteur pour l'obtention du crédit, notamment les primes d'assurance. Ce coût ne comprend pas les frais dont l'emprunteur est redevable en cas d'inexécution de l'une de ses obligations prévue au contrat de crédit ;
6° Taux débiteur, le taux d'intérêt exprimé en pourcentage fixe ou variable, appliqué au capital emprunté ou au montant de crédit utilisé, sur une base annuelle. Le taux débiteur est fixe lorsque le contrat de crédit prévoit soit un taux débiteur constant sur toute la durée du contrat de crédit, soit plusieurs taux débiteurs constants appliqués à des périodes partielles prédéterminées ; dans ce dernier cas, le taux est fixe uniquement pour ces périodes partielles, dans les autres cas, le taux débiteur est variable ou révisable ;
7° Montant total dû par l'emprunteur, la somme du montant total du crédit et du coût total du crédit dû par l'emprunteur ;
8° Montant total du crédit, le plafond ou le total des sommes rendues disponibles en vertu d'un contrat ou d'une opération de crédit ;
9° Contrat de crédit affecté ou contrat de crédit lié, le crédit servant exclusivement à financer un contrat relatif à la fourniture de biens particuliers ou la prestation de services particuliers ; ces deux contrats constituent une opération commerciale unique. Une opération commerciale unique est réputée exister lorsque le vendeur ou le prestataire de services finance lui-même le crédit ou, en cas de financement par un tiers, lorsque le prêteur recourt aux services du vendeur ou du prestataire pour la conclusion ou la préparation du contrat de crédit ou encore lorsque le contrat de crédit mentionne spécifiquement les biens ou les services concernés ;
10° Autorisation de découvert ou facilité de découvert, le contrat de crédit en vertu duquel le prêteur autorise expressément l'emprunteur à disposer de fonds qui dépassent le solde du compte de dépôt de ce dernier ;
11° Dépassement, un découvert tacitement accepté en vertu duquel un prêteur autorise l'emprunteur à disposer de fonds qui dépassent le solde de son compte de dépôt ou de l'autorisation de découvert convenue ;
12° Support durable, tout instrument permettant à l'emprunteur de conserver les informations qui lui sont adressées personnellement, d'une manière qui permet de s'y reporter aisément à l'avenir pendant un laps de temps adapté aux fins auxquelles les informations sont destinées et qui permet la reproduction identique des informations stockées.

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L322-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225622", "@num": "L341-20", "#text": "Code de la consommation - art. L341-20 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130268", "@num": "L351-1", "#text": "Code de la consommation - art. L351-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039119629", "@num": "L722-5", "#text": "Code de la consommation - art. L722-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039347964", "@num": "R312-35", "#text": "Code de la consommation - art. R312-35 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807608", "@num": "R314-3", "#text": "Code de la consommation - art. R314-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035190254", "@num": "R351-5", "#text": "Code de la consommation - art. R351-5 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025069201", "@num": "200 terdecies", "#text": "Code général des impôts, CGI. - art. 200 terdecies (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069577", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032226218", "@fin": "2999-01-01", "#text": "Chapitre Ier : Définitions", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@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_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000032226216", "@fin": "2016-03-27", "@num": "L311-1", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032303294", "@fin": "2017-02-23", "@num": "L311-1", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000034072668", "@fin": "2999-01-01", "@num": "L311-1", "@etat": "VIGUEUR", "@debut": "2017-02-23", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Pour l'application des dispositions du présent titre, sont considérés comme :

\n
1° Prêteur, toute personne qui consent ou s'engage à consentir un crédit mentionné à l'article L. 312-1 dans le cadre de l'exercice de ses activités commerciales ou professionnelles ;

\n
2° Emprunteur ou consommateur, toute personne physique qui est en relation avec un prêteur, ou un intermédiaire de crédit, dans le cadre d'une opération de crédit réalisée ou envisagée dans un but étranger à son activité commerciale ou professionnelle ;

3° Acquéreur, toute personne qui acquiert, souscrit ou commande au moyen des prêts mentionnés au 1° de l'article L. 313-1 ;
\n
4° Vendeur, l'autre partie à ces mêmes opérations ;

\n
5° Intermédiaire de crédit, toute personne qui, dans le cadre de ses activités commerciales ou professionnelles habituelles et contre une rémunération ou un avantage économique, apporte son concours à la réalisation d'une opération mentionnée au présent titre, sans agir en qualité de prêteur ;

\n
6° Opération ou contrat de crédit, un contrat en vertu duquel un prêteur consent ou s'engage à consentir à l'emprunteur un crédit, relevant du champ d'application du présent titre, sous la forme d'un délai de paiement, d'un prêt, y compris sous forme de découvert ou de toute autre facilité de paiement similaire, à l'exception des contrats conclus en vue de la fourniture d'une prestation continue ou à exécution successive de services ou de biens de même nature et aux termes desquels l'emprunteur en règle le coût par paiements échelonnés pendant toute la durée de la fourniture ;

7° Coût total du crédit pour l'emprunteur, tous les coûts, y compris les intérêts, les frais, les taxes, les commissions ou rémunérations de toute nature, directs ou indirects, supportés par l'emprunteur et connus du prêteur à la date d'émission de l'offre de crédit ou de l'avenant au contrat de crédit, ou dont le montant peut être déterminé à ces mêmes dates, et qui constituent une condition pour obtenir le crédit ou pour l'obtenir aux conditions annoncées. Ce coût ne comprend pas les frais liés à l'acquisition des immeubles mentionnés au 1° de l'article L. 313-1 tels que les taxes y afférentes, ni les frais d'acte notarié, ni les frais à la charge de l'emprunteur en cas de non-respect de l'une de ses obligations prévues dans le contrat de crédit.

L'ensemble de ces coûts est défini à l'article L. 314-1 relatif au taux annuel effectif global, selon des modalités précisées par décret en Conseil d'Etat.

\n
8° Taux débiteur, le taux d'intérêt exprimé en pourcentage fixe ou variable, appliqué au capital emprunté ou au montant de crédit utilisé, sur une base annuelle. Le taux débiteur est fixe lorsque le contrat de crédit prévoit soit un taux débiteur constant sur toute la durée du contrat de crédit, soit plusieurs taux débiteurs constants appliqués à des périodes partielles prédéterminées ; dans ce dernier cas, le taux est fixe uniquement pour ces périodes partielles, dans les autres cas, le taux débiteur est variable ou révisable ;

\n
9° Montant total dû par l'emprunteur, la somme du montant total du crédit et du coût total du crédit dû par l'emprunteur ;

\n
10° Montant total du crédit, le plafond ou le total des sommes rendues disponibles en vertu d'un contrat ou d'une opération de crédit ;

\n
11° Contrat de crédit affecté ou contrat de crédit lié, le crédit servant exclusivement à financer un contrat relatif à la fourniture de biens particuliers ou la prestation de services particuliers ; ces deux contrats constituent une opération commerciale unique. Une opération commerciale unique est réputée exister lorsque le vendeur ou le prestataire de services finance lui-même le crédit ou, en cas de financement par un tiers, lorsque le prêteur recourt aux services du vendeur ou du prestataire pour la conclusion ou la préparation du contrat de crédit ou encore lorsque le contrat de crédit mentionne spécifiquement les biens ou les services concernés ;

\n
12° Autorisation de découvert ou facilité de découvert, le contrat de crédit en vertu duquel le prêteur autorise expressément l'emprunteur à disposer de fonds qui dépassent le solde du compte de dépôt de ce dernier ;

\n
13° Dépassement, un découvert tacitement accepté en vertu duquel un prêteur autorise l'emprunteur à disposer de fonds qui dépassent le solde de son compte de dépôt ou de l'autorisation de découvert convenue ;

\n
14° Support durable, tout instrument permettant à l'emprunteur de conserver les informations qui lui sont adressées personnellement, d'une manière qui permet de s'y reporter aisément à l'avenir pendant un laps de temps adapté aux fins auxquelles les informations sont destinées et qui permet la reproduction identique des informations stockées ;

15° Service accessoire, un service proposé à l'emprunteur en rapport avec un contrat de crédit entrant dans le champ du présent titre ;

16° Crédit relais, un crédit d'une durée limitée destiné à faire l'avance partielle ou totale, et temporaire du produit de la vente d'un bien immobilier pour en acquérir un autre avant la vente du premier bien.

\n
" } }, "LEGIARTI000034072668": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L311-1", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2017-02-23" } }, "META_COMMUN": { "ID": "LEGIARTI000034072668", "URL": "article/LEGI/ARTI/00/00/34/07/26/LEGIARTI000034072668.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément à l'article 9 de la loi n° 2017-203 du 21 février 2017, les prêteurs disposent d'un délai de trois mois à compter de la promulgation de ladite loi pour se mettre en conformité avec le 7° du présent article dont le même 7°, dans sa rédaction antérieure à la même loi, leur demeure applicable jusqu'à cette mise en conformité.

" }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000033062586", "@num": "3", "#text": "Arrêté du 26 octobre 2010 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGIARTI000034071188", "@num": "9", "#text": "LOI n°2017-203 du 21 février 2017 - art. 9", "@sens": "cible", "@cidtexte": "JORFTEXT000034070801", "@nortexte": "ECFC1613746L", "@numtexte": "2017-203", "@typelien": "MODIFIE", "@naturetexte": "LOI", "@datesignatexte": "2017-02-21" }, { "@id": "LEGIARTI000038497563", "@num": "99", "#text": "LOI n° 2019-486 du 22 mai 2019 - art. 99 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000038496102", "@nortexte": "ECOT1810669L", "@numtexte": "2019-486", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2019-05-22" }, { "@id": "LEGIARTI000032226781", "@num": "L222-11", "#text": "Code de la consommation - art. L222-11 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226585", "@num": "L224-62", "#text": "Code de la consommation - art. L224-62 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022431920", "@num": "L311-1", "#text": "Code de la consommation - art. L311-1 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292437", "@num": "L312-1", "#text": "Code de la consommation - art. L312-1 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034072779", "@num": "L312-1", "#text": "Code de la consommation - art. L312-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034072754", "@num": "L312-44", "#text": "Code de la consommation - art. L312-44 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032226072", "@num": "L312-54", "#text": "Code de la consommation - art. L312-54 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225977", "@num": "L312-93", "#text": "Code de la consommation - art. L312-93 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225975", "@num": "L312-94", "#text": "Code de la consommation - art. L312-94 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032316060", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222337", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034072660", "@num": "L321-1", "#text": "Code de la consommation - art. L321-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225702", "@num": "L322-3", "#text": "Code de la consommation - art. L322-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225622", "@num": "L341-20", "#text": "Code de la consommation - art. L341-20 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130268", "@num": "L351-1", "#text": "Code de la consommation - art. L351-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039119629", "@num": "L722-5", "#text": "Code de la consommation - art. L722-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039347964", "@num": "R312-35", "#text": "Code de la consommation - art. R312-35 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807608", "@num": "R314-3", "#text": "Code de la consommation - art. R314-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035190254", "@num": "R351-5", "#text": "Code de la consommation - art. R351-5 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025069201", "@num": "200 terdecies", "#text": "Code général des impôts, CGI. - art. 200 terdecies (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069577", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032226218", "@fin": "2999-01-01", "#text": "Chapitre Ier : Définitions", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@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_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000032226216", "@fin": "2016-03-27", "@num": "L311-1", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032303294", "@fin": "2017-02-23", "@num": "L311-1", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000034072668", "@fin": "2999-01-01", "@num": "L311-1", "@etat": "VIGUEUR", "@debut": "2017-02-23", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Pour l'application des dispositions du présent titre, sont considérés comme :

1° Prêteur, toute personne qui consent ou s'engage à consentir un crédit mentionné au présent titre dans le cadre de l'exercice de ses activités commerciales ou professionnelles ;

2° Emprunteur ou consommateur, toute personne physique qui est en relation avec un prêteur, ou un intermédiaire de crédit, dans le cadre d'une opération de crédit réalisée ou envisagée dans un but étranger à son activité commerciale ou professionnelle ;

3° Acquéreur, toute personne qui acquiert, souscrit ou commande au moyen des prêts mentionnés au 1° de l'article L. 313-1 ;

4° Vendeur, l'autre partie à ces mêmes opérations ;

5° Intermédiaire de crédit, toute personne qui, dans le cadre de ses activités commerciales ou professionnelles habituelles et contre une rémunération ou un avantage économique, apporte son concours à la réalisation d'une opération mentionnée au présent titre, sans agir en qualité de prêteur ;

6° Opération ou contrat de crédit, un contrat en vertu duquel un prêteur consent ou s'engage à consentir à l'emprunteur un crédit, relevant du champ d'application du présent titre, sous la forme d'un délai de paiement, d'un prêt, y compris sous forme de découvert ou de toute autre facilité de paiement similaire, à l'exception des contrats conclus en vue de la fourniture d'une prestation continue ou à exécution successive de services ou de biens de même nature et aux termes desquels l'emprunteur en règle le coût par paiements échelonnés pendant toute la durée de la fourniture ;

7° Coût total du crédit pour l'emprunteur, tous les coûts, y compris les intérêts, les frais, les taxes, les commissions ou rémunérations de toute nature, directs ou indirects, supportés par l'emprunteur et connus du prêteur à la date d'émission de l'offre de crédit ou de l'avenant au contrat de crédit, ou dont le montant peut être déterminé à ces mêmes dates, et qui constituent une condition pour obtenir le crédit ou pour l'obtenir aux conditions annoncées. Ce coût ne comprend pas les frais liés à l'acquisition des immeubles mentionnés au 1° de l'article L. 313-1 tels que les taxes y afférentes ou les frais d'acte notarié, ni les frais à la charge de l'emprunteur en cas de non-respect de l'une de ses obligations prévues dans le contrat de crédit.

L'ensemble de ces coûts est défini à l'article L. 314-1 relatif au taux annuel effectif global, selon des modalités précisées par décret en Conseil d'Etat.

8° Taux débiteur, le taux d'intérêt exprimé en pourcentage fixe ou variable, appliqué au capital emprunté ou au montant de crédit utilisé, sur une base annuelle. Le taux débiteur est fixe lorsque le contrat de crédit prévoit soit un taux débiteur constant sur toute la durée du contrat de crédit, soit plusieurs taux débiteurs constants appliqués à des périodes partielles prédéterminées ; dans ce dernier cas, le taux est fixe uniquement pour ces périodes partielles, dans les autres cas, le taux débiteur est variable ou révisable ;

9° Montant total dû par l'emprunteur, la somme du montant total du crédit et du coût total du crédit dû par l'emprunteur ;

10° Montant total du crédit, le plafond ou le total des sommes rendues disponibles en vertu d'un contrat ou d'une opération de crédit ;

11° Contrat de crédit affecté ou contrat de crédit lié, le crédit servant exclusivement à financer un contrat relatif à la fourniture de biens particuliers ou la prestation de services particuliers ; ces deux contrats constituent une opération commerciale unique. Une opération commerciale unique est réputée exister lorsque le vendeur ou le prestataire de services finance lui-même le crédit ou, en cas de financement par un tiers, lorsque le prêteur recourt aux services du vendeur ou du prestataire pour la conclusion ou la préparation du contrat de crédit ou encore lorsque le contrat de crédit mentionne spécifiquement les biens ou les services concernés ;

12° Autorisation de découvert ou facilité de découvert, le contrat de crédit en vertu duquel le prêteur autorise expressément l'emprunteur à disposer de fonds qui dépassent le solde du compte de dépôt de ce dernier ;

13° Dépassement, un découvert tacitement accepté en vertu duquel un prêteur autorise l'emprunteur à disposer de fonds qui dépassent le solde de son compte de dépôt ou de l'autorisation de découvert convenue ;

14° Support durable, tout instrument permettant à l'emprunteur de conserver les informations qui lui sont adressées personnellement, d'une manière qui permet de s'y reporter aisément à l'avenir pendant un laps de temps adapté aux fins auxquelles les informations sont destinées et qui permet la reproduction identique des informations stockées ;

15° Service accessoire, un service proposé à l'emprunteur en rapport avec un contrat de crédit entrant dans le champ du présent titre ;

\n
" } }, "LEGIARTI000032228215": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "liminaire", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2017-02-23", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032228215", "URL": "article/LEGI/ARTI/00/00/32/22/82/LEGIARTI000032228215.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CREATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@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": "LEGIARTI000032228215", "@fin": "2017-02-23", "@num": "liminaire", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000034072545", "@fin": "2021-10-01", "@num": "liminaire", "@etat": "MODIFIE", "@debut": "2017-02-23", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000044142433", "@fin": "2022-05-28", "@num": "liminaire", "@etat": "MODIFIE", "@debut": "2021-10-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000044563103", "@fin": "2024-02-17", "@num": "liminaire", "@etat": "MODIFIE", "@debut": "2022-05-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000049571482", "@fin": "2024-04-24", "@num": "liminaire", "@etat": "MODIFIE", "@debut": "2024-02-17", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000049464063", "@fin": "2999-01-01", "@num": "liminaire", "@etat": "VIGUEUR", "@debut": "2024-04-24", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Pour l'application du présent code, on entend par :

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- consommateur : toute personne physique qui agit à des fins qui n'entrent pas dans le cadre de son activité commerciale, industrielle, artisanale, libérale ou agricole ;

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- non-professionnel : toute personne morale qui agit à des fins qui n'entrent pas dans le cadre de son activité commerciale, industrielle, artisanale, libérale ou agricole ;

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\n

- professionnel : toute personne physique ou morale, publique ou privée, qui agit à des fins entrant dans le cadre de son activité commerciale, industrielle, artisanale, libérale ou agricole, y compris lorsqu'elle agit au nom ou pour le compte d'un autre professionnel.

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" } } }, "article_lien": [ { "article_id": "LEGIARTI000034072668", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032226781", "typelien": "CITATION" }, { "article_id": "LEGIARTI000028747592", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032226781", "typelien": "CONCORDANCE" }, { "article_id": "LEGIARTI000032216177", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032226781", "typelien": "CODIFICATION" }, { "article_id": "LEGIARTI000032216177", "cible": false, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032226781", "typelien": "CREE" }, { "article_id": "LEGIARTI000032303294", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032226781", "typelien": "CITATION" }, { "article_id": "LEGIARTI000032226216", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000032226781", "typelien": "CITATION" } ], "section_ta": { "LEGISCTA000032227875": { "ID": "LEGISCTA000032227875", "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032227089", "@fin": "2999-01-01", "#text": "Sous-section 3 : Abus de faiblesse", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227126", "@fin": "2999-01-01", "#text": "Section 1 : Pratiques commerciales interdites", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227128", "@fin": "2999-01-01", "#text": "Chapitre II : Pratiques commerciales interdites et pratiques commerciales réglementées", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227148", "@fin": "2999-01-01", "#text": "Titre III : SANCTIONS", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227358", "@fin": "2999-01-01", "#text": "Livre Ier : INFORMATION DES CONSOMMATEURS ET PRATIQUES COMMERCIALES", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@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" } }, "TITRE_TA": "Paragraphe 2 : Sanctions pénales", "STRUCTURE_TA": { "LIEN_ART": [ { "@id": "LEGIARTI000032227083", "@fin": "2999-01-01", "@num": "L132-14", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" }, { "@id": "LEGIARTI000032227081", "@fin": "2999-01-01", "@num": "L132-15", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } ] } }, "LEGISCTA000032228006": { "ID": "LEGISCTA000032228006", "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225884", "@fin": "2999-01-01", "#text": "Section 7 : Exécution du contrat de crédit", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225973", "@fin": "2999-01-01", "#text": "Chapitre III : Crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@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" } }, "TITRE_TA": "Sous-section 3 : Défaillance de l'emprunteur", "STRUCTURE_TA": { "LIEN_ART": [ { "@id": "LEGIARTI000032309855", "@fin": "2999-01-01", "@num": "L313-50", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" }, { "@id": "LEGIARTI000032309861", "@fin": "2016-10-10", "@num": "L313-51", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" }, { "@id": "LEGIARTI000032890830", "@fin": "2999-01-01", "@num": "L313-51", "@etat": "VIGUEUR", "@debut": "2016-10-10", "@origine": "LEGI" }, { "@id": "LEGIARTI000032310660", "@fin": "2999-01-01", "@num": "L313-52", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" }, { "@id": "LEGIARTI000032225870", "@fin": "2016-03-27", "@num": "L313-35", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" }, { "@id": "LEGIARTI000032225868", "@fin": "2016-03-27", "@num": "L313-36", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" }, { "@id": "LEGIARTI000032225866", "@fin": "2016-03-27", "@num": "L313-37", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } ] } }, "LEGISCTA000032228031": { "ID": "LEGISCTA000032228031", 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"@url": "/LEGI/SCTA/00/00/32/22/80/LEGISCTA000032228059.xml", "#text": "Section 5 : Lettre de change et billets à ordre", "@etat": "VIGUEUR", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000032225789", "@cid": "LEGISCTA000032222383", "@fin": "2016-07-01", "@niv": 5, "@url": "/LEGI/SCTA/00/00/32/22/57/LEGISCTA000032225789.xml", "#text": "Section 6 : Règles de conduite et rémunération du vendeur", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000032303321", "@cid": "LEGISCTA000032222383", "@fin": "2999-01-01", "@niv": 5, "@url": "/LEGI/SCTA/00/00/32/30/33/LEGISCTA000032303321.xml", "#text": "Section 6 : Règle de conduite et rémunération", "@etat": "VIGUEUR", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000032228060", "@cid": "LEGISCTA000032228060", "@fin": "2016-07-01", "@niv": 5, "@url": "/LEGI/SCTA/00/00/32/22/80/LEGISCTA000032228060.xml", "#text": "Section 7 : Formation du prêteur", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01" }, { "@id": 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Article L222-11 AUTONOME VIGUEUR, en vigueur depuis le 01/07/2016 (Code de la consommation)