{ "article": { "LEGIARTI000038778290": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "1", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000038778290", "URL": "article/LEGI/ARTI/00/00/38/77/82/LEGIARTI000038778290.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000038782736", "@num": "L341-1", "#text": "Code de la consommation - art. L341-1 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782721", "@num": "L341-25", "#text": "Code de la consommation - art. L341-25 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782715", "@num": "L341-26", "#text": "Code de la consommation - art. L341-26 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782704", "@num": "L341-34", "#text": "Code de la consommation - art. L341-34 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782726", "@num": "L341-4", "#text": "Code de la consommation - art. L341-4 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038778502", "@num": "L341-48-1", "#text": "Code de la consommation - art. L341-48-1 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782710", "@num": "L341-54", "#text": "Code de la consommation - art. L341-54 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "@cid": "JORFTEXT000038777413", "@nor": "ECOT1900961R", "@num": "2019-740", "@nature": "ORDONNANCE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Ordonnance n° 2019-740 du 17 juillet 2019 relative aux sanctions civiles applicables en cas de défaut ou d'erreur du taux effectif global", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000038777413", "@c_titre_court": "Ordonnance n° 2019-740 du 17 juillet 2019" }, { "@fin": "2999-01-01", "#text": "Ordonnance n° 2019-740 du 17 juillet 2019 relative aux sanctions civiles applicables en cas de défaut ou d'erreur du taux effectif global", "@debut": "2019-07-19", "@id_txt": "LEGITEXT000038778289", "@c_titre_court": "Ordonnance n°2019-740 du 17 juillet 2019" } ], "@ministere": "Ministère de l'économie et des finances", "@date_publi": "2019-07-18", "@date_signature": "2019-07-17", "@num_parution_jo": "0165" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000038778290", "@fin": "2999-01-01", "@num": "1", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000038777414", "@fin": "2999-01-01", "@num": "1", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code de la consommation
\n Art. L341-1, Art. L341-4, Art. L341-25, Art. L341-26, Art. L341-54, Art. L341-34\n
\n

\n
\n
A créé les dispositions suivantes :

- Code de la consommation
\n Art. L341-48-1\n
\n

\n
" } }, "LEGIARTI000038778502": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-48-1", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2019-07-19" } }, "META_COMMUN": { "ID": "LEGIARTI000038778502", "URL": "article/LEGI/ARTI/00/00/38/77/85/LEGIARTI000038778502.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000038778290", "@num": "1", "#text": "Ordonnance n°2019-740 du 17 juillet 2019 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000038777413", "@nortexte": "ECOT1900961R", "@numtexte": "2019-740", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2019-07-17" }, { "@id": "LEGIARTI000032222345", "@num": "L314-5", "#text": "Code de la consommation - art. L314-5 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782762", "@num": "L354-2", "#text": "Code de la consommation - art. L354-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. L313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225579", "@fin": "2999-01-01", "#text": "Sous-section 1 : Sanctions civiles", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225581", "@fin": "2999-01-01", "#text": "Section 3 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "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": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000038778502", "@fin": "2999-01-01", "@num": "L341-48-1", "@etat": "VIGUEUR", "@debut": "2019-07-19", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

En cas de défaut de mention ou de mention erronée du taux effectif global prévue à l'article L. 314-5, le prêteur peut être déchu du droit aux intérêts dans la proportion fixée par le juge, au regard notamment du préjudice pour l'emprunteur.
\n
Lorsque le prêteur est déchu du droit aux intérêts dans les conditions prévues à l'alinéa précédent, l'emprunteur n'est tenu qu'au seul remboursement du capital suivant l'échéancier prévu ainsi que, le cas échéant, au paiement des intérêts dont le prêteur n'a pas été déchu. Les sommes perçues au titre des intérêts, qui sont productives d'intérêts au taux de l'intérêt légal à compter du jour de leur versement, sont restituées par le prêteur ou imputées sur le capital restant dû.

" } }, "LEGIARTI000038782704": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-34", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2019-07-19" } }, "META_COMMUN": { "ID": "LEGIARTI000038782704", "URL": "article/LEGI/ARTI/00/00/38/78/27/LEGIARTI000038782704.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000038778290", "@num": "1", "#text": "Ordonnance n°2019-740 du 17 juillet 2019 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000038777413", "@nortexte": "ECOT1900961R", "@numtexte": "2019-740", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2019-07-17" }, { "@id": "LEGIARTI000028748963", "@num": "L312-33", "#text": "Code de la consommation - art. L312-33, alinéa 5 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222337", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225608", "@num": "L341-23", "#text": "Code de la consommation - art. L341-23 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222597", "@num": "L341-37", "#text": "Code de la consommation - art. L341-37", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222599", "@num": "L341-38", "#text": "Code de la consommation - art. L341-38 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222607", "@num": "L341-40", "#text": "Code de la consommation - art. L341-40", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222609", "@num": "L341-41", "#text": "Code de la consommation - art. L341-41 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225610", "@fin": "2999-01-01", "#text": "Paragraphe 1 : Sanctions civiles", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225612", "@fin": "2016-03-27", "#text": "Sous-section 2 : Formation et exécution du contrat", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000032395254", "@fin": "2999-01-01", "#text": "Sous-section 4 : Formation du contrat de crédit et du contrat principal", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225620", "@fin": "2999-01-01", "#text": "Section 2 : Crédit immobilier", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "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": "LEGIARTI000032225583", "@fin": "2016-03-27", "@num": "L341-34", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032303383", "@fin": "2019-07-19", "@num": "L341-34", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000038782704", "@fin": "2999-01-01", "@num": "L341-34", "@etat": "VIGUEUR", "@debut": "2019-07-19", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Sous réserve des dispositions du second alinéa, dans les cas prévus aux articles L. 341-37, L. 341-38, L. 341-40 et L. 341-41, le prêteur ou le bailleur peut être déchu du droit aux intérêts, en totalité ou dans la proportion fixée par le juge.

Dans les cas prévus à l'article L. 341-37, en cas de défaut de mention ou de mention erronée du taux annuel effectif global déterminé conformément aux articles L. 314-1 à L. 314-4, le prêteur peut être déchu du droit aux intérêts dans la proportion fixée par le juge, au regard notamment du préjudice pour l'emprunteur.

" } }, "LEGIARTI000038782710": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-54", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2019-07-19" } }, "META_COMMUN": { "ID": "LEGIARTI000038782710", "URL": "article/LEGI/ARTI/00/00/38/78/27/LEGIARTI000038782710.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000038778290", "@num": "1", "#text": "Ordonnance n°2019-740 du 17 juillet 2019 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000038777413", "@nortexte": "ECOT1900961R", "@numtexte": "2019-740", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2019-07-17" }, { "@id": "LEGIARTI000032222337", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006292550", "@num": "L314-15", "#text": "Code de la consommation - art. L314-15 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222419", "@num": "L315-10", "#text": "Code de la consommation - art. L315-10", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222417", "@num": "L315-9", "#text": "Code de la consommation - art. L315-9", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225561", "@num": "L341-40", "#text": "Code de la consommation - art. L341-40 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225565", "@fin": "2999-01-01", "#text": "Sous-section 1 : Sanctions civiles", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225567", "@fin": "2016-03-27", "#text": "Section 4 : Prêt viager hypothécaire", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000032395830", "@fin": "2017-02-23", "#text": "Section 5 : Prêt viager hypothécaire", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000034072683", "@fin": "2999-01-01", "#text": "Section 6 : Prêt viager hypothécaire", "@debut": "2017-02-23" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "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", "LIEN_ART": { "@id": "LEGIARTI000032303030", "@fin": "2019-07-19", "@num": "L341-54", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000038782710", "@fin": "2999-01-01", "@num": "L341-54", "@etat": "VIGUEUR", "@debut": "2019-07-19", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Sous réserve des dispositions du second alinéa, le fait pour le prêteur d'accorder un prêt viager hypothécaire sans saisir l'emprunteur d'une offre préalable conforme à l'article L. 315-9 ou dans des conditions non conformes aux articles L. 315-10 et L. 315-11 peut entraîner déchéance du droit aux intérêts en totalité ou dans la proportion fixée par le juge.

En cas de défaut de mention ou de mention erronée du taux annuel effectif global déterminé conformément aux articles L. 314-1 à L. 314-4, le prêteur peut être déchu du droit aux intérêts dans la proportion fixée par le juge, au regard notamment du préjudice pour l'emprunteur.

" } }, "LEGIARTI000038782715": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-26", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2022-06-01", "DATE_DEBUT": "2019-07-19" } }, "META_COMMUN": { "ID": "LEGIARTI000038782715", "URL": "article/LEGI/ARTI/00/00/38/78/27/LEGIARTI000038782715.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Code de la consommation - art. L313-24 (VD)", "@sens": "source", "@typelien": "CITATION" }, { "@id": "LEGIARTI000032310698", "@num": "L313-64", "#text": "Code de la consommation - art. L313-64", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222233", "@num": "L313-7", "#text": "Code de la consommation - art. L313-7", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "#text": "Code de la consommation - art. L341-37 (VD)", "@sens": "source", "@typelien": "CONCORDE" }, { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000038778290", "@num": "1", "#text": "Ordonnance n°2019-740 du 17 juillet 2019 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000038777413", "@nortexte": "ECOT1900961R", "@numtexte": "2019-740", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2019-07-17" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032395212", "@fin": "2999-01-01", "#text": "Sous-section 2 : Information précontractuelle de l'emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225620", "@fin": "2999-01-01", "#text": "Section 2 : Crédit immobilier", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "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": "LEGIARTI000032225600", "@fin": "2016-03-27", "@num": "L341-26", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032303426", "@fin": "2019-07-19", "@num": "L341-26", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000038782715", "@fin": "2022-06-01", "@num": "L341-26", "@etat": "MODIFIE", "@debut": "2019-07-19", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000045271995", "@fin": "2999-01-01", "@num": "L341-26", "@etat": "VIGUEUR", "@debut": "2022-06-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Sous réserve des dispositions du second alinéa, le prêteur qui accorde un crédit sans communiquer à l'emprunteur la fiche d'information standardisée européenne mentionnée à l'article L. 313-7 et au second alinéa de l'article L. 313-24 ou l'information précontractuelle mentionnée au deuxième alinéa de l'article L. 313-64 peut être déchu du droit aux intérêts, en totalité ou dans la proportion fixée par le juge.

" } }, "LEGIARTI000038782721": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-25", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2022-06-01", "DATE_DEBUT": "2019-07-19" } }, "META_COMMUN": { "ID": "LEGIARTI000038782721", "URL": "article/LEGI/ARTI/00/00/38/78/27/LEGIARTI000038782721.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Code de la consommation - art. L313-24 (VD)", "@sens": "source", "@typelien": "CITATION" }, { "@id": "LEGIARTI000038778290", "@num": "1", "#text": "Ordonnance n°2019-740 du 17 juillet 2019 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000038777413", "@nortexte": "ECOT1900961R", "@numtexte": "2019-740", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2019-07-17" }, { "@id": "LEGIARTI000032310698", "@num": "L313-64", "#text": "Code de la consommation - art. L313-64", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222233", "@num": "L313-7", "#text": "Code de la consommation - art. L313-7", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032395212", "@fin": "2999-01-01", "#text": "Sous-section 2 : Information précontractuelle de l'emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225620", "@fin": "2999-01-01", "#text": "Section 2 : Crédit immobilier", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "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": "LEGIARTI000032225604", "@fin": "2016-03-27", "@num": "L341-25", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032301891", "@fin": "2019-07-19", "@num": "L341-25", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000038782721", "@fin": "2022-06-01", "@num": "L341-25", "@etat": "MODIFIE", "@debut": "2019-07-19", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000045272001", "@fin": "2999-01-01", "@num": "L341-25", "@etat": "VIGUEUR", "@debut": "2022-06-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Sous réserve des dispositions du second alinéa, le prêteur qui accorde un crédit sans respecter les conditions, applicables en matière d'information précontractuelle, fixées par les dispositions de l'article L. 313-7, du second alinéa de l'article L. 313-24 ou du deuxième alinéa de l'article L. 313-64, peut être déchu du droit aux intérêts, dans la proportion fixée par le juge, jusqu'à un montant ne pouvant excéder 30 % des intérêts, plafonné à 30 000 euros.

" } }, "LEGIARTI000038782726": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-4", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2019-07-19" } }, "META_COMMUN": { "ID": "LEGIARTI000038782726", "URL": "article/LEGI/ARTI/00/00/38/78/27/LEGIARTI000038782726.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000038778290", "@num": "1", "#text": "Ordonnance n°2019-740 du 17 juillet 2019 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000038777413", "@nortexte": "ECOT1900961R", "@numtexte": "2019-740", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2019-07-17" }, { "@id": "LEGIARTI000022434550", "@num": "L311-48", "#text": "Code de la consommation - art. L311-48, alinéa 1 contrat (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222019", "@num": "L312-18", "#text": "Code de la consommation - art. L312-18", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222025", "@num": "L312-21", "#text": "Code de la consommation - art. L312-21", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222041", "@num": "L312-28", "#text": "Code de la consommation - art. L312-28", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222043", "@num": "L312-29", "#text": "Code de la consommation - art. L312-29 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222081", "@num": "L312-43", "#text": "Code de la consommation - art. L312-43", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222181", "@num": "L312-85", "#text": "Code de la consommation - art. L312-85", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222195", "@num": "L312-92", "#text": "Code de la consommation - art. L312-92", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222337", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225665", "@fin": "2999-01-01", "#text": "Paragraphe 1 : Sanctions civiles", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225667", "@fin": "2999-01-01", "#text": "Sous-section 2 : Formation et exécution du contrat", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225673", "@fin": "2999-01-01", "#text": "Section 1 : Crédit à la consommation", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "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", "LIEN_ART": { "@id": "LEGIARTI000032225659", "@fin": "2019-07-19", "@num": "L341-4", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000038782726", "@fin": "2999-01-01", "@num": "L341-4", "@etat": "VIGUEUR", "@debut": "2019-07-19", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Sous réserve des dispositions du second alinéa, le prêteur qui accorde un crédit sans remettre à l'emprunteur un contrat satisfaisant aux conditions fixées par les articles L. 312-18, L. 312-21, L. 312-28, L. 312-29, L. 312-43 ainsi que, pour les opérations de découvert en compte, par les articles L. 312-85 à L. 312-87 et L. 312-92, est déchu du droit aux intérêts.

" } }, "LEGIARTI000038782736": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-1", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2019-07-19" } }, "META_COMMUN": { "ID": "LEGIARTI000038782736", "URL": "article/LEGI/ARTI/00/00/38/78/27/LEGIARTI000038782736.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000038778290", "@num": "1", "#text": "Ordonnance n°2019-740 du 17 juillet 2019 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000038777413", "@nortexte": "ECOT1900961R", "@numtexte": "2019-740", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2019-07-17" }, { "@id": "LEGIARTI000022434550", "@num": "L311-48", "#text": "Code de la consommation - art. L311-48, alinéa 1 info précontractuelle (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032221999", "@num": "L312-12", "#text": "Code de la consommation - art. L312-12", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222181", "@num": "L312-85", "#text": "Code de la consommation - art. L312-85", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222337", "@num": "L314-1", "#text": "Code de la consommation - art. L314-1 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225624", "@num": "L341-19", "#text": "Code de la consommation - art. L341-19 (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": "LEGIARTI000032225651", "@num": "L341-8", "#text": "Code de la consommation - art. L341-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782762", "@num": "L354-2", "#text": "Code de la consommation - art. L354-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225671", "@fin": "2999-01-01", "#text": "Sous-section 1 : Information précontractuelle de l'emprunteur", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225673", "@fin": "2999-01-01", "#text": "Section 1 : Crédit à la consommation", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "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", "LIEN_ART": { "@id": "LEGIARTI000032225669", "@fin": "2019-07-19", "@num": "L341-1", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000038782736", "@fin": "2999-01-01", "@num": "L341-1", "@etat": "VIGUEUR", "@debut": "2019-07-19", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Sous réserve des dispositions du second alinéa, le prêteur qui accorde un crédit sans communiquer à l'emprunteur les informations précontractuelles dans les conditions fixées par l'article L. 312-12 ou, pour les opérations de découvert en compte, à l'article L. 312-85 est déchu du droit aux intérêts.

" } } }, "article_lien": [ { "article_id": "LEGIARTI000038782721", "cible": true, "cidtexte": "JORFTEXT000038777413", "id": "LEGIARTI000038778290", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000038782704", "cible": true, "cidtexte": "JORFTEXT000038777413", "id": "LEGIARTI000038778290", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000038782710", "cible": true, "cidtexte": "JORFTEXT000038777413", "id": "LEGIARTI000038778290", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000038782715", "cible": true, "cidtexte": "JORFTEXT000038777413", "id": "LEGIARTI000038778290", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000038782726", "cible": true, "cidtexte": "JORFTEXT000038777413", "id": "LEGIARTI000038778290", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000038782736", "cible": true, "cidtexte": "JORFTEXT000038777413", "id": "LEGIARTI000038778290", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000038778502", "cible": true, "cidtexte": "JORFTEXT000038777413", "id": "LEGIARTI000038778290", "typelien": "CREE" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000038778290", "liens_entrants": true }

Article 1 ENTIEREMENT_MODIF (Ordonnance n° 2019-740 du 17 juillet 2019 relative aux sanctions civiles applicables en cas de défaut ou d'erreur du taux effectif global)