{ "article": { "LEGIARTI000038782743": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-4", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2019-07-19" } }, "META_COMMUN": { "ID": "LEGIARTI000038782743", "URL": "article/LEGI/ARTI/00/00/38/78/27/LEGIARTI000038782743.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000006532150", "@num": "3", "#text": "Ordonnance n°2006-60 du 19 janvier 2006 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000456027", "@nortexte": "ECOX0500165R", "@numtexte": "2006-60", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2006-01-19" }, { "@id": "LEGIARTI000038778292", "@num": "2", "#text": "Ordonnance n°2019-740 du 17 juillet 2019 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000038777413", "@nortexte": "ECOT1900961R", "@numtexte": "2019-740", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2019-07-17" }, { "@id": "LEGIARTI000006292489", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1 (M)", "@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", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "PILOTE_SUIVEUR", "@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": "LEGIARTI000032222339", "@num": "L314-2", "#text": "Code de la consommation - art. L314-2", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222341", "@num": "L314-3", "#text": "Code de la consommation - art. L314-3", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222343", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222345", "@num": "L314-5", "#text": "Code de la consommation - art. L314-5", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@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": "LEGIARTI000038778502", "@num": "L341-48-1", "#text": "Code de la consommation - art. L341-48-1", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302972", "@num": "L341-49", "#text": "Code de la consommation - art. L341-49", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302972", "@num": "L341-49", "#text": "Code de la consommation - art. L341-49", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006652091", "@num": "L313-5-2", "#text": "Code monétaire et financier - art. L313-5-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045235783", "@num": "L752-5", "#text": "Code monétaire et financier - art. L752-5 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045235879", "@num": "L753-5", "#text": "Code monétaire et financier - art. L753-5 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045235969", "@num": "L754-3", "#text": "Code monétaire et financier - art. L754-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006193926", "@fin": "2999-01-01", "#text": "Paragraphe 2 : Taux effectif global", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006184672", "@fin": "2999-01-01", "#text": "Sous-section 2 : Taux d'intérêt", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006170372", "@fin": "2999-01-01", "#text": "Section 1 : Dispositions générales", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154430", "@fin": "2999-01-01", "#text": "Chapitre III : Crédits", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139955", "@fin": "2009-11-01", "#text": "Titre Ier : Les opérations de banque", "@debut": "2001-01-01" }, { "@id": "LEGISCTA000020866764", "@fin": "2013-01-30", "#text": "Titre Ier : Les opérations de banques et les services de paiement", "@debut": "2009-11-01" }, { "@id": "LEGISCTA000027007588", "@fin": "2999-01-01", "#text": "Titre Ier : Les opérations de banque, les services de paiement et l'émission et la gestion de monnaie électronique", "@debut": "2013-01-30" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123907", "@fin": "2999-01-01", "#text": "Livre III : Les services", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006101336", "@fin": "2999-01-01", "#text": "Partie législative", "@debut": "2001-01-01" } ] }, "@cid": "LEGITEXT000006072026", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code monétaire et financier", "@debut": "2001-01-01", "@id_txt": "LEGITEXT000006072026", "@c_titre_court": "Code monétaire et financier" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006652084", "@fin": "2003-08-05", "@num": "L313-4", "@etat": "MODIFIE", "@debut": "2001-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006652085", "@fin": "2011-05-01", "@num": "L313-4", "@etat": "MODIFIE", "@debut": "2003-08-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022510755", "@fin": "2014-03-19", "@num": "L313-4", "@etat": "MODIFIE", "@debut": "2011-05-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000029469816", "@fin": "2016-10-01", "@num": "L313-4", "@etat": "MODIFIE", "@debut": "2014-03-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000033230542", "@fin": "2019-07-19", "@num": "L313-4", "@etat": "MODIFIE", "@debut": "2016-10-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000038782743", "@fin": "2999-01-01", "@num": "L313-4", "@etat": "VIGUEUR", "@debut": "2019-07-19", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Les règles relatives au taux effectif global des crédits sont fixées par les articles L. 314-1 à L. 314-5, L. 341-48-1 et L. 341-49 du code de la consommation.

" } }, "LEGIARTI000032225828": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-5", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225828", "URL": "article/LEGI/ARTI/00/00/32/22/58/LEGIARTI000032225828.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000034073117", "@num": "26-5", "#text": "Loi n° 65-557 du 10 juillet 1965 - art. 26-5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000880200", "@numtexte": "65-557", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1965-07-10" }, { "@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": "LEGIARTI000028748955", "@num": "L313-2", "#text": "Code de la consommation - art. L313-2, alinéa 1 (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 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038778502", "@num": "L341-48-1", "#text": "Code de la consommation - art. L341-48-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302972", "@num": "L341-49", "#text": "Code de la consommation - art. L341-49 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130282", "@num": "L351-5", "#text": "Code de la consommation - art. L351-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044073781", "@num": "L351-7", "#text": "Code de la consommation - art. L351-7 (VD)", "@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": "PILOTE_SUIVEUR", "@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": "LEGISCTA000032228043", "@fin": "2999-01-01", "#text": "Sous-section 1 : Taux effectif global", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au 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" } }, "VERSIONS": { "VERSION": [ { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032225828", "@fin": "2999-01-01", "@num": "L314-5", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Le taux effectif global déterminé selon les modalités prévues aux articles L. 314-1 à L. 314-4 est mentionné dans tout écrit constatant un contrat de prêt régi par la présente section.

" } }, "LEGIARTI000032225830": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-4", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2016-10-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225830", "URL": "article/LEGI/ARTI/00/00/32/22/58/LEGIARTI000032225830.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": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1, alinéa 5 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027760588", "@num": "L313-2-1", "#text": "Code de la consommation - art. L313-2-1 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@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": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032228043", "@fin": "2999-01-01", "#text": "Sous-section 1 : Taux effectif global", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au 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" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225830", "@fin": "2016-10-01", "@num": "L314-4", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032303339", "@fin": "2999-01-01", "@num": "L314-4", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Les conditions d'application des dispositions des articles L. 314-1à L. 314-3 ainsi que des modalités de calcul du taux annuel effectif de l'assurance mentionné aux articles L. 312-7 et L. 313-6 sont déterminées par décret en Conseil d'Etat.

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\n
Pour les contrats de crédit entrant dans le champ d'application du chapitre II du présent titre, le taux effectif global, qui est dénommé \" Taux annuel effectif global \", ne comprend pas les frais d'acte notarié.

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Pour l'application des articles L. 313-3 à L. 313-13, les charges liées aux garanties dont les crédits sont éventuellement assortis ainsi que les honoraires d'officiers ministériels ne sont pas compris dans le taux effectif global défini à l'article L. 314-1, lorsque leur montant ne peut être indiqué avec précision antérieurement à la conclusion définitive du contrat.
Pour les prêts qui font l'objet d'un amortissement échelonné, le taux effectif global doit être calculé en tenant compte des modalités de l'amortissement de la créance.

" } }, "LEGIARTI000032225836": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-1", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2016-10-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225836", "URL": "article/LEGI/ARTI/00/00/32/22/58/LEGIARTI000032225836.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000034073117", "@num": "26-5", "#text": "Loi n° 65-557 du 10 juillet 1965 - art. 26-5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000880200", "@numtexte": "65-557", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1965-07-10" }, { "@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": "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": "LEGIARTI000034072668", "@num": "L311-1", "#text": "Code de la consommation - art. L311-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038613861", "@num": "L313-25", "#text": "Code de la consommation - art. L313-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271953", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. L314-4 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225828", "@num": "L314-5", "#text": "Code de la consommation - art. L314-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000043977203", "@num": "L315-9", "#text": "Code de la consommation - art. L315-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782736", "@num": "L341-1", "#text": "Code de la consommation - art. L341-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045272001", "@num": "L341-25", "#text": "Code de la consommation - art. L341-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782704", "@num": "L341-34", "#text": "Code de la consommation - art. L341-34 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782726", "@num": "L341-4", "#text": "Code de la consommation - art. L341-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302966", "@num": "L341-48", "#text": "Code de la consommation - art. L341-48 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782710", "@num": "L341-54", "#text": "Code de la consommation - art. L341-54 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130282", "@num": "L351-5", "#text": "Code de la consommation - art. L351-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044073781", "@num": "L351-7", "#text": "Code de la consommation - art. L351-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769118", "@num": "R313-23", "#text": "Code de la consommation - art. R313-23 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807624", "@num": "R314-11", "#text": "Code de la consommation - art. R314-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807626", "@num": "R314-12", "#text": "Code de la consommation - art. R314-12 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038614561", "@num": "L312-1-1", "#text": "Code monétaire et financier - art. L312-1-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000033232520", "@num": "L313-17", "#text": "Code monétaire et financier - art. L313-17 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. 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\n
Dans tous les cas, pour la détermination du taux effectif global du prêt, comme pour celle du taux effectif pris comme référence, sont ajoutés aux intérêts les frais, commissions ou rémunérations de toute nature, directs ou indirects, y compris ceux qui sont payés ou dus à des intermédiaires intervenus de quelque manière que ce soit dans l'octroi du prêt, même si ces frais, commissions ou rémunérations correspondent à des débours réels.

" } }, "LEGIARTI000032302972": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-49", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032302972", "URL": "article/LEGI/ARTI/00/00/32/30/29/LEGIARTI000032302972.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032297606", "@num": "5", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 5", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000028748955", "@num": "L313-2", "#text": "Code de la consommation - art. L313-2, alinéas 2 et 3 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222345", "@num": "L314-5", "#text": "Code de la consommation - art. L314-5 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225573", "@num": "L341-36", "#text": "Code de la consommation - art. L341-36 (MMN)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@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" }, { "@id": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. L313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006417291", "@num": "131-27", "#text": "Code pénal - art. 131-27 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006070719", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225575", "@fin": "2999-01-01", "#text": "Sous-section 2 : Sanctions pénales", "@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": "LEGIARTI000032302972", "@fin": "2999-01-01", "@num": "L341-49", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Le fait de ne pas respecter les dispositions de l'article L. 314-5 est puni d'une amende de 150 000 euros.
Les personnes physiques coupables encourent également à titre de peines complémentaires l'interdiction, suivant les modalités prévues à l'article 131-27 du code pénal, soit d'exercer une fonction publique ou d'exercer l'activité professionnelle ou sociale dans l'exercice ou à l'occasion de l'exercice de laquelle l'infraction a été commise, soit d'exercer une profession commerciale ou industrielle, de diriger, d'administrer, de gérer ou de contrôler à un titre quelconque, directement ou indirectement, pour leur propre compte ou pour le compte d'autrui, une entreprise commerciale ou industrielle ou une société commerciale.
Ces interdictions d'exercice ne peuvent excéder une durée de cinq ans. Elles peuvent être prononcées cumulativement.

" } }, "LEGIARTI000032303339": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-4", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032303339", "URL": "article/LEGI/ARTI/00/00/32/30/33/LEGIARTI000032303339.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000032297604", "@num": "4", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000032221987", "@num": "L312-7", "#text": "Code de la consommation - art. L312-7 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1, alinéa 5 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027760588", "@num": "L313-2-1", "#text": "Code de la consommation - art. L313-2-1 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222235", "@num": "L313-8", "#text": "Code de la consommation - art. L313-8 (VD)", "@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 (VD)", "@sens": "source", "@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": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032228043", "@fin": "2999-01-01", "#text": "Sous-section 1 : Taux effectif global", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au 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" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225830", "@fin": "2016-10-01", "@num": "L314-4", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032303339", "@fin": "2999-01-01", "@num": "L314-4", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Un décret en Conseil d'Etat précise les conditions d'application des articles L. 314-1 à L. 314-3 et notamment les modalités de détermination de l'assiette et de calcul du taux effectif global, ainsi que les modalités de calcul du taux annuel effectif de l'assurance mentionné aux articles L. 312-7 et L. 313-8.

" } }, "LEGIARTI000032303343": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-3", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032303343", "URL": "article/LEGI/ARTI/00/00/32/30/33/LEGIARTI000032303343.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000032297604", "@num": "4", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGISCTA000032221969", "#text": "Code de la consommation - Chapitre II : Crédit à la consommation (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGISCTA000032222201", "#text": "Code de la consommation - Chapitre III : Crédit immobilier (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1, alinéa 3 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807502", "@num": "R313-1", "#text": "Code de la consommation - art. R313-1 (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": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. L313-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032228043", "@fin": "2999-01-01", "#text": "Sous-section 1 : Taux effectif global", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au 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" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225832", "@fin": "2016-10-01", "@num": "L314-3", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032303343", "@fin": "2999-01-01", "@num": "L314-3", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Pour les contrats de crédit entrant dans le champ d'application des chapitres II et III du présent titre, le taux effectif global est dénommé \" Taux annuel effectif global \".

" } }, "LEGIARTI000032303347": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-2", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032303347", "URL": "article/LEGI/ARTI/00/00/32/30/33/LEGIARTI000032303347.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000032297604", "@num": "4", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1, alinéas 2 et 4 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@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": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032228043", "@fin": "2999-01-01", "#text": "Sous-section 1 : Taux effectif global", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au 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" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225834", "@fin": "2016-10-01", "@num": "L314-2", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032303347", "@fin": "2999-01-01", "@num": "L314-2", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Pour les contrats de crédit qui prévoient un amortissement échelonné, le taux effectif global doit être calculé en tenant compte des modalités de l'amortissement de la créance.

" } }, "LEGIARTI000032303351": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-1", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032303351", "URL": "article/LEGI/ARTI/00/00/32/30/33/LEGIARTI000032303351.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000034073117", "@num": "26-5", "#text": "Loi n° 65-557 du 10 juillet 1965 - art. 26-5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000880200", "@numtexte": "65-557", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "1965-07-10" }, { "@id": "LEGIARTI000032297604", "@num": "4", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@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": "LEGIARTI000034072668", "@num": "L311-1", "#text": "Code de la consommation - art. L311-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022435122", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038613861", "@num": "L313-25", "#text": "Code de la consommation - art. L313-25 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045271953", "@num": "L313-31", "#text": "Code de la consommation - art. L313-31 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032303339", "@num": "L314-4", "#text": "Code de la consommation - art. 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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": "LEGISCTA000032228043", "@fin": "2999-01-01", "#text": "Sous-section 1 : Taux effectif global", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au 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" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225836", "@fin": "2016-10-01", "@num": "L314-1", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032303351", "@fin": "2999-01-01", "@num": "L314-1", "@etat": "VIGUEUR", "@debut": "2016-10-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Dans tous les cas, pour la détermination du taux effectif global du prêt, comme pour celle du taux effectif pris comme référence, sont ajoutés aux 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.

" } }, "LEGIARTI000038778292": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "2", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000038778292", "URL": "article/LEGI/ARTI/00/00/38/77/82/LEGIARTI000038778292.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000038782743", "@num": "L313-4", "#text": "Code monétaire et financier - art. L313-4 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@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": "LEGIARTI000038778292", "@fin": "2999-01-01", "@num": "2", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000038777415", "@fin": "2999-01-01", "@num": "2", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code monétaire et financier
\n Art. L313-4\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.

" } } }, "article_lien": [ { "article_id": "LEGIARTI000032225832", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032303343", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032303347", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032303351", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032303351", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "CITATION" }, { "article_id": "LEGIARTI000032225836", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032225836", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "CITATION" }, { "article_id": "LEGIARTI000038778292", "cible": false, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000032302972", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "CITATION" }, { "article_id": "LEGIARTI000032302972", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032225828", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032225828", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "CITATION" }, { "article_id": "LEGIARTI000032225830", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032225834", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032303339", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000038778502", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000038782743", "typelien": "CITATION" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000038782743", "liens_entrants": true }

Article L313-4 AUTONOME VIGUEUR, en vigueur depuis le 19/07/2019 (Code monétaire et financier)