{ "article": { "LEGIARTI000050735468": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "1", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000050735468", "URL": "article/LEGI/ARTI/00/00/50/73/54/LEGIARTI000050735468.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006685558", "@num": "R518-61", "#text": "Code monétaire et financier - art. R518-61", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050741857", "@num": "R518-61", "#text": "Code monétaire et financier - art. R518-61 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "@cid": "JORFTEXT000050730709", "@nor": "ECOT2427268D", "@num": "2024-1123", "@nature": "DECRET", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Décret n° 2024-1123 du 4 décembre 2024 relevant le plafond d'emprunt applicable au microcrédit professionnel", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000050730709", "@c_titre_court": "Décret n°2024-1123 du 4 décembre 2024" }, { "@fin": "2999-01-01", "#text": "Décret n° 2024-1123 du 4 décembre 2024 relevant le plafond d'emprunt applicable au microcrédit professionnel", "@debut": "2024-12-06", "@id_txt": "LEGITEXT000050735463", "@c_titre_court": "Décret n°2024-1123 du 4 décembre 2024" } ], "@ministere": "Ministère de l'économie, des finances et de l'industrie", "@date_publi": "2024-12-05", "@date_signature": "2024-12-04", "@num_parution_jo": "0287" } }, "VERSIONS": { "VERSION": [ { "LIEN_ART": { "@id": "LEGIARTI000050735468", "@fin": "2999-01-01", "@num": "1", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000050730714", "@fin": "2999-01-01", "@num": "1", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code monétaire et financier
\n Art. R518-61\n
\n

\n
" } }, "LEGIARTI000006685558": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R518-61", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2007-03-14", "DATE_DEBUT": "2005-08-25" } }, "META_COMMUN": { "ID": "LEGIARTI000006685558", "URL": "article/LEGI/ARTI/00/00/06/68/55/LEGIARTI000006685558.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AERXXXXXXXX518R061AXXXAA" } }, "LIENS": { "LIEN": [ { "@id": "JORFARTI000001517689", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5, v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000006211156", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "JORFTEXT000000451781", "#text": "Décret 2005-1007 2005-08-02 JORF 25 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000037557675", "@num": "1", "#text": "Décret n°2017-563 du 18 avril 2017 - art. 1 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000046770013", "@num": "2", "#text": "Arrêté du 29 décembre 2017 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGIARTI000051686295", "@num": "3", "#text": "Arrêté du 29 décembre 2017 - art. 3 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGITEXT000042172702", "#text": "Décret n°2020-924 du 29 juillet 2020 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000042172710", "@num": "1", "#text": "Décret n°2020-924 du 29 juillet 2020 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000043854628", "@num": "1", "#text": "Décret n°2021-977 du 23 juillet 2021 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000043852172", "@nortexte": "TRER2117874D", "@numtexte": "2021-977", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-07-23" }, { "@id": "LEGITEXT000046769585", "#text": "Arrêté du 4 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046769600", "@num": "1", "#text": "Arrêté du 4 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046865116", "@num": "1", "#text": "Décret n°2022-1761 du 30 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046848201", "@nortexte": "ENER2236413D", "@numtexte": "2022-1761", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-12-30" }, { "@id": "LEGITEXT000050735463", "#text": "Décret n°2024-1123 du 4 décembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000050735468", "@num": "1", "#text": "Décret n°2024-1123 du 4 décembre 2024 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGITEXT000051403268", "#text": "Arrêté du 25 mars 2025 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051403279", "@num": "1", "#text": "Arrêté du 25 mars 2025 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051831200", "@num": "D251-11", "#text": "Code de l'énergie - art. D251-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000023983208", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000051831188", "@num": "D251-9", "#text": "Code de l'énergie - art. D251-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000023983208", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025686601", "@num": "R518-60", "#text": "Code monétaire et financier - art. R518-60 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000020740622", "@num": "R518-62", "#text": "Code monétaire et financier - art. R518-62 (T)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027874760", "@num": "R518-62", "#text": "Code monétaire et financier - art. R518-62 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129782", "@num": "R745-4-1", "#text": "Code monétaire et financier - art. R745-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129775", "@num": "R755-4-1", "#text": "Code monétaire et financier - art. R755-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129770", "@num": "R765-4-1", "#text": "Code monétaire et financier - art. R765-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006170988", "@fin": "2007-03-14", "#text": "Section 5 : Les associations sans but lucratif habilitées à faire certains prêts.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154974", "@fin": "2999-01-01", "#text": "Chapitre VIII : Les établissements et services autorisés à effectuer des opérations de banque.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@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": "LEGIARTI000006685558", "@fin": "2007-03-14", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685559", "@fin": "2009-06-15", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2007-03-14", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000020740620", "@fin": "2012-04-14", "@num": "R518-61", "@etat": "TRANSFERE", "@debut": "2009-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025686606", "@fin": "2013-07-28", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2012-04-14", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027874757", "@fin": "2014-11-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000029723562", "@fin": "2016-01-17", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2014-11-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031853305", "@fin": "2018-11-05", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2016-01-17", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000037557645", "@fin": "2022-02-07", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2018-11-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000045129765", "@fin": "2024-12-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2022-02-07", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000050741857", "@fin": "2999-01-01", "@num": "R518-61", "@etat": "VIGUEUR", "@debut": "2024-12-06", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Les associations habilitées sont soumises aux obligations suivantes :
\n
1° Inclure dans leur objet statutaire l'activité de prêt pour la création et le développement d'entreprises créées ou reprises par des chômeurs ou des titulaires des minima sociaux ;
\n
2° Mettre en place, dans le cadre de leur activité de prêt, un contrôle interne qui doit prévoir notamment les règles de sélection et de surveillance des risques, la séparation des fonctions de décision et de contrôle, la signature par deux personnes habilitées pour l'octroi des prêts, la désignation d'un responsable du contrôle interne et les indicateurs de suivi des résultats de l'activité ;
\n
3° Faire certifier leurs comptes annuels par un commissaire aux comptes.
" } }, "LEGIARTI000006685559": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R518-61", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2009-06-15", "DATE_DEBUT": "2007-03-14" } }, "META_COMMUN": { "ID": "LEGIARTI000006685559", "URL": "article/LEGI/ARTI/00/00/06/68/55/LEGIARTI000006685559.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AERXXXXXXXX518R061AXXXAB" } }, "LIENS": { "LIEN": [ { "@id": "JORFARTI000001517689", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5, v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000006211156", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "JORFTEXT000000451781", "#text": "Décret 2005-1007 2005-08-02 JORF 25 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000006261153", "@num": "1", "#text": "Décret n°2007-334 du 12 mars 2007 - art. 1 () JORF 14 mars 2007", "@sens": "source", "@cidtexte": "JORFTEXT000000649424", "@nortexte": "ECOT0620082D", "@numtexte": "2007-334", "@typelien": "MODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2007-03-12" }, { "@id": "LEGIARTI000006261157", "@num": "5", "#text": "Décret n°2007-334 du 12 mars 2007 - art. 5 () JORF 14 mars 2007", "@sens": "source", "@cidtexte": "JORFTEXT000000649424", "@nortexte": "ECOT0620082D", "@numtexte": "2007-334", "@typelien": "MODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2007-03-12" }, { "@id": "LEGIARTI000037557675", "@num": "1", "#text": "Décret n°2017-563 du 18 avril 2017 - art. 1 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000046770013", "@num": "2", "#text": "Arrêté du 29 décembre 2017 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGIARTI000051686295", "@num": "3", "#text": "Arrêté du 29 décembre 2017 - art. 3 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGITEXT000042172702", "#text": "Décret n°2020-924 du 29 juillet 2020 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000042172710", "@num": "1", "#text": "Décret n°2020-924 du 29 juillet 2020 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000043854628", "@num": "1", "#text": "Décret n°2021-977 du 23 juillet 2021 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000043852172", "@nortexte": "TRER2117874D", "@numtexte": "2021-977", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-07-23" }, { "@id": "LEGITEXT000046769585", "#text": "Arrêté du 4 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046769600", "@num": "1", "#text": "Arrêté du 4 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046865116", "@num": "1", "#text": "Décret n°2022-1761 du 30 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046848201", "@nortexte": "ENER2236413D", "@numtexte": "2022-1761", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-12-30" }, { "@id": "LEGITEXT000050735463", "#text": "Décret n°2024-1123 du 4 décembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000050735468", "@num": "1", "#text": "Décret n°2024-1123 du 4 décembre 2024 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGITEXT000051403268", "#text": "Arrêté du 25 mars 2025 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051403279", "@num": "1", "#text": "Arrêté du 25 mars 2025 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051831200", "@num": "D251-11", "#text": "Code de l'énergie - art. D251-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000023983208", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000051831188", "@num": "D251-9", "#text": "Code de l'énergie - art. D251-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000023983208", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025686601", "@num": "R518-60", "#text": "Code monétaire et financier - art. R518-60 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000020740622", "@num": "R518-62", "#text": "Code monétaire et financier - art. R518-62 (T)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027874760", "@num": "R518-62", "#text": "Code monétaire et financier - art. R518-62 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129782", "@num": "R745-4-1", "#text": "Code monétaire et financier - art. R745-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129775", "@num": "R755-4-1", "#text": "Code monétaire et financier - art. R755-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129770", "@num": "R765-4-1", "#text": "Code monétaire et financier - art. R765-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185336", "@fin": "2009-06-15", "#text": "Sous-section 2 : Les associations sans but lucratif habilitées à faire certains prêts", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000020740605", "@fin": "2012-04-14", "#text": "Sous-section 2 : Les associations sans but lucratif et les fondations reconnues d'utilité publique habilitées à faire certains prêts", "@debut": "2009-06-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006170989", "@fin": "2009-06-15", "#text": "Section 5 : Les associations sans but lucratif et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000020740607", "@fin": "2999-01-01", "#text": "Section 5 : Les associations sans but lucratif, les fondations reconnues d'utilité publique et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2009-06-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154974", "@fin": "2999-01-01", "#text": "Chapitre VIII : Les établissements et services autorisés à effectuer des opérations de banque.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@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": "LEGIARTI000006685558", "@fin": "2007-03-14", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685559", "@fin": "2009-06-15", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2007-03-14", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000020740620", "@fin": "2012-04-14", "@num": "R518-61", "@etat": "TRANSFERE", "@debut": "2009-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025686606", "@fin": "2013-07-28", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2012-04-14", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027874757", "@fin": "2014-11-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000029723562", "@fin": "2016-01-17", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2014-11-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031853305", "@fin": "2018-11-05", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2016-01-17", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000037557645", "@fin": "2022-02-07", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2018-11-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000045129765", "@fin": "2024-12-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2022-02-07", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000050741857", "@fin": "2999-01-01", "@num": "R518-61", "@etat": "VIGUEUR", "@debut": "2024-12-06", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Les associations habilitées sont soumises aux obligations suivantes :
\n
1° Inclure dans leur objet statutaire l'activité de prêt pour la création et le développement d'entreprises créées ou reprises par des chômeurs ou des titulaires des minima sociaux ;
\n
2° Mettre en place, dans le cadre de leur activité de prêt, un contrôle interne qui doit prévoir notamment les règles de sélection et de surveillance des risques, la séparation des fonctions de décision et de contrôle, la signature par deux personnes habilitées pour l'octroi des prêts, la désignation d'un responsable du contrôle interne et les indicateurs de suivi des résultats de l'activité ;
\n
3° Faire certifier leurs comptes annuels par un commissaire aux comptes.
" } }, "LEGIARTI000020740620": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R518-61", "ETAT": "TRANSFERE", "TYPE": "AUTONOME", "DATE_FIN": "2012-04-14", "DATE_DEBUT": "2009-06-15" } }, "META_COMMUN": { "ID": "LEGIARTI000020740620", "URL": "article/LEGI/ARTI/00/00/20/74/06/LEGIARTI000020740620.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFARTI000001517689", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5, v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000006211156", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000020738389", "@num": "5", "#text": "Décret n°2009-682\n du 12 juin 2009 - art. 5", "@sens": "cible", "@cidtexte": "JORFTEXT000020736539", "@nortexte": "ECET0828264D", "@numtexte": "2009-682", "@typelien": "MODIFIE", "@naturetexte": "DECRET", "@datesignatexte": "2009-06-12" }, { "@id": "LEGIARTI000025684997", "@num": "1", "#text": "Décret n°2012-471\n du 11 avril 2012 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000025684172", "@nortexte": "EFIT1135465D", "@numtexte": "2012-471", "@typelien": "TRANSFERE", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-11" }, { "@id": "LEGIARTI000037557675", "@num": "1", "#text": "Décret n°2017-563 du 18 avril 2017 - art. 1 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000046770013", "@num": "2", "#text": "Arrêté du 29 décembre 2017 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGIARTI000051686295", "@num": "3", "#text": "Arrêté du 29 décembre 2017 - art. 3 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGITEXT000042172702", "#text": "Décret n°2020-924 du 29 juillet 2020 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000042172710", "@num": "1", "#text": "Décret n°2020-924 du 29 juillet 2020 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000043854628", "@num": "1", "#text": "Décret n°2021-977 du 23 juillet 2021 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000043852172", "@nortexte": "TRER2117874D", "@numtexte": "2021-977", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-07-23" }, { "@id": "LEGITEXT000046769585", "#text": "Arrêté du 4 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046769600", "@num": "1", "#text": "Arrêté du 4 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046865116", "@num": "1", "#text": "Décret n°2022-1761 du 30 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046848201", "@nortexte": "ENER2236413D", "@numtexte": "2022-1761", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-12-30" }, { "@id": "LEGITEXT000050735463", "#text": "Décret n°2024-1123 du 4 décembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000050735468", "@num": "1", "#text": "Décret n°2024-1123 du 4 décembre 2024 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGITEXT000051403268", "#text": "Arrêté du 25 mars 2025 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051403279", "@num": "1", "#text": "Arrêté du 25 mars 2025 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051831200", "@num": "D251-11", "#text": "Code de l'énergie - art. D251-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000023983208", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000051831188", "@num": "D251-9", "#text": "Code de l'énergie - art. D251-9 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000023983208", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006685548", "@num": "R518-59", "#text": "Code monétaire et financier - art. R518-59 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025686601", "@num": "R518-60", "#text": "Code monétaire et financier - art. R518-60 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000020740622", "@num": "R518-62", "#text": "Code monétaire et financier - art. R518-62 (T)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027874760", "@num": "R518-62", "#text": "Code monétaire et financier - art. R518-62 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129782", "@num": "R745-4-1", "#text": "Code monétaire et financier - art. R745-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129775", "@num": "R755-4-1", "#text": "Code monétaire et financier - art. R755-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129770", "@num": "R765-4-1", "#text": "Code monétaire et financier - art. R765-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185336", "@fin": "2009-06-15", "#text": "Sous-section 2 : Les associations sans but lucratif habilitées à faire certains prêts", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000020740605", "@fin": "2012-04-14", "#text": "Sous-section 2 : Les associations sans but lucratif et les fondations reconnues d'utilité publique habilitées à faire certains prêts", "@debut": "2009-06-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006170989", "@fin": "2009-06-15", "#text": "Section 5 : Les associations sans but lucratif et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000020740607", "@fin": "2999-01-01", "#text": "Section 5 : Les associations sans but lucratif, les fondations reconnues d'utilité publique et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2009-06-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154974", "@fin": "2999-01-01", "#text": "Chapitre VIII : Les établissements et services autorisés à effectuer des opérations de banque.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@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": "LEGIARTI000006685558", "@fin": "2007-03-14", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685559", "@fin": "2009-06-15", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2007-03-14", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000020740620", "@fin": "2012-04-14", "@num": "R518-61", "@etat": "TRANSFERE", "@debut": "2009-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025686606", "@fin": "2013-07-28", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2012-04-14", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027874757", "@fin": "2014-11-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000029723562", "@fin": "2016-01-17", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2014-11-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031853305", "@fin": "2018-11-05", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2016-01-17", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000037557645", "@fin": "2022-02-07", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2018-11-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000045129765", "@fin": "2024-12-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2022-02-07", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000050741857", "@fin": "2999-01-01", "@num": "R518-61", "@etat": "VIGUEUR", "@debut": "2024-12-06", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Les associations et les fondations habilitées sont soumises aux obligations suivantes :

1° Inclure dans leur objet statutaire l'activité de prêt pour la création et le développement d'entreprises et celle de prêts pour la réalisation de projets d'insertion par des personnes physiques, en fonction de l'habilitation qui leur a été donnée en application de l'article R. 518-59 ;

2° Mettre en place, dans le cadre de leur activité de prêt, un contrôle interne qui doit prévoir notamment les règles de sélection et de surveillance des risques, la séparation des fonctions de décision et de contrôle, la signature par une personne dûment habilitée pour l'octroi des prêts, la désignation d'un responsable du contrôle interne et les indicateurs de suivi des résultats de l'activité ;

3° Faire certifier leurs comptes annuels par un commissaire aux comptes.

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Les opérations de prêts effectuées par les associations et les fondations dans le cadre de l'habilitation délivrée en application de l'article R. 518-58 répondent aux caractéristiques suivantes :

1° Les prêts sont effectués à titre onéreux ;

2° Les prêts ne peuvent être alloués aux entreprises que durant les cinq premières années suivant leur création ou leur reprise ;

3° Les prêts ne peuvent être alloués à des entreprises employant plus de trois salariés ;

4° Les prêts destinés à participer au financement des projets d'insertion sont accordés à des personnes physiques, confrontées à des difficultés de financement, dont les capacités de remboursement de ces prêts sont jugées suffisantes par les associations ou les fondations et qui bénéficient d'un accompagnement social. Ces prêts sont accordés dans une perspective d'accès, de maintien ou de retour à un emploi. Ils peuvent également être accordés pour la réalisation de projets d'insertion sociale qui ne sont pas directement liés à un objectif professionnel ;

5° Sauf décision exceptionnelle de rééchelonnement dûment motivée, tous les prêts accordés à un même bénéficiaire sont remboursables et les intérêts payables dans un délai maximum de cinq ans à partir de la date de premier décaissement des fonds versés ;

6° Pendant la période mentionnée au 2°, l'association ou la fondation ne peut consentir un nouveau prêt à l'entreprise bénéficiaire, en application de la présente section, que si l'échéancier de remboursement du ou des prêts précédemment alloués, éventuellement rééchelonnés dans les conditions prévues au 5°, est respecté ;

7° Le montant total de l'encours des prêts alloués, en application de la présente section, est plafonné à :

a) 10 000 € par participant et par entreprise pour un projet de création ou de développement d'entreprise ;

b) 3 000 € par emprunteur lorsque le prêt est accordé à une personne physique pour la réalisation d'un projet d'insertion.

Les prêts accordés font l'objet d'un suivi financier pendant leur durée. L'Autorité de contrôle prudentiel détermine les conditions dans lesquelles les associations ou fondations doivent effectuer un suivi financier des prêts qu'elles accordent et lui en rendre compte.

Les prêts doivent bénéficier d'une garantie apportée par un fonds de garantie ou de cautionnement agréé ou par un établissement de crédit.

\n
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1° Les prêts sont effectués à titre onéreux ;

2° Les prêts ne peuvent être alloués aux entreprises que durant les cinq premières années suivant leur création ou leur reprise ;

3° Les prêts ne peuvent être alloués à des entreprises employant plus de trois salariés ;

7° Le montant total de l'encours des prêts alloués, en application de la présente section, est plafonné à :

a) 10 000 € par participant et par entreprise pour un projet de création ou de développement d'entreprise ;

b) 3 000 € par emprunteur lorsque le prêt est accordé à une personne physique pour la réalisation d'un projet d'insertion.

Les prêts accordés font l'objet d'un suivi financier pendant leur durée. L'Autorité de contrôle prudentiel et de résolution détermine les conditions dans lesquelles les associations ou fondations doivent effectuer un suivi financier des prêts qu'elles accordent et lui en rendre compte.

Les prêts doivent bénéficier d'une garantie apportée par un fonds de garantie ou de cautionnement agréé ou par un établissement de crédit.

\n
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R765-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185334", "@fin": "2012-04-14", "#text": "Sous-section 1 : Dispositions communes.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000025686655", "@fin": "2999-01-01", "#text": "Sous-section 1 : Les associations sans but lucratif et les fondations reconnues d'utilité publique habilitées à faire certains prêts.", "@debut": "2012-04-14" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006170989", "@fin": "2009-06-15", "#text": "Section 5 : Les associations sans but lucratif et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000020740607", "@fin": "2999-01-01", "#text": "Section 5 : Les associations sans but lucratif, les fondations reconnues d'utilité publique et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2009-06-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154974", "@fin": "2999-01-01", "#text": "Chapitre VIII : Les établissements et services autorisés à effectuer des opérations de banque.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@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": "LEGIARTI000006685558", "@fin": "2007-03-14", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685559", "@fin": "2009-06-15", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2007-03-14", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000020740620", "@fin": "2012-04-14", "@num": "R518-61", "@etat": "TRANSFERE", "@debut": "2009-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025686606", "@fin": "2013-07-28", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2012-04-14", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027874757", "@fin": "2014-11-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000029723562", "@fin": "2016-01-17", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2014-11-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031853305", "@fin": "2018-11-05", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2016-01-17", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000037557645", "@fin": "2022-02-07", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2018-11-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000045129765", "@fin": "2024-12-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2022-02-07", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000050741857", "@fin": "2999-01-01", "@num": "R518-61", "@etat": "VIGUEUR", "@debut": "2024-12-06", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

1° Les prêts sont effectués à titre onéreux ;

2° Les prêts ne peuvent être alloués aux entreprises que durant les cinq premières années suivant leur création ou leur reprise ;

3° Les prêts ne peuvent être alloués à des entreprises employant plus de trois salariés ;

7° Le montant total de l'encours des prêts alloués, en application de la présente section, est plafonné à :

a) 10 000 € par participant et par entreprise pour un projet de création ou de développement d'entreprise ;

b) 3 000 € par emprunteur lorsque le prêt est accordé à une personne physique pour la réalisation d'un projet d'insertion.

Les prêts doivent bénéficier d'une garantie apportée par un fonds de garantie ou de cautionnement agréé, par un établissement de crédit ou par une société de financement.

\n
" } }, "LEGIARTI000031853305": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R518-61", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2018-11-05", "DATE_DEBUT": "2016-01-17" } }, "META_COMMUN": { "ID": "LEGIARTI000031853305", "URL": "article/LEGI/ARTI/00/00/31/85/33/LEGIARTI000031853305.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFARTI000001517689", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5, v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000006211156", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000031845547", "@num": "1", "#text": "Décret n°2016-22 du 14 janvier 2016 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "MODIFIE", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGIARTI000037557675", "@num": "1", "#text": "Décret n°2017-563 du 18 avril 2017 - art. 1 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000046770013", "@num": "2", "#text": "Arrêté du 29 décembre 2017 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGIARTI000051686295", "@num": "3", "#text": "Arrêté du 29 décembre 2017 - art. 3 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGITEXT000042172702", "#text": "Décret n°2020-924 du 29 juillet 2020 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000042172710", "@num": "1", "#text": "Décret n°2020-924 du 29 juillet 2020 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000043854628", "@num": "1", "#text": "Décret n°2021-977 du 23 juillet 2021 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000043852172", "@nortexte": "TRER2117874D", "@numtexte": "2021-977", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-07-23" }, { "@id": "LEGITEXT000046769585", "#text": "Arrêté du 4 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046769600", "@num": "1", "#text": "Arrêté du 4 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046865116", "@num": "1", "#text": "Décret n°2022-1761 du 30 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046848201", "@nortexte": "ENER2236413D", "@numtexte": "2022-1761", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-12-30" }, { "@id": "LEGITEXT000050735463", "#text": "Décret n°2024-1123 du 4 décembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000050735468", "@num": "1", "#text": "Décret n°2024-1123 du 4 décembre 2024 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGITEXT000051403268", "#text": "Arrêté du 25 mars 2025 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051403279", "@num": "1", "#text": "Arrêté du 25 mars 2025 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051831200", "@num": "D251-11", "#text": "Code de l'énergie - art. 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R518-62 (T)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027874760", "@num": "R518-62", "#text": "Code monétaire et financier - art. R518-62 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129782", "@num": "R745-4-1", "#text": "Code monétaire et financier - art. R745-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129775", "@num": "R755-4-1", "#text": "Code monétaire et financier - art. R755-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129770", "@num": "R765-4-1", "#text": "Code monétaire et financier - art. R765-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185334", "@fin": "2012-04-14", "#text": "Sous-section 1 : Dispositions communes.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000025686655", "@fin": "2999-01-01", "#text": "Sous-section 1 : Les associations sans but lucratif et les fondations reconnues d'utilité publique habilitées à faire certains prêts.", "@debut": "2012-04-14" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006170989", "@fin": "2009-06-15", "#text": "Section 5 : Les associations sans but lucratif et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000020740607", "@fin": "2999-01-01", "#text": "Section 5 : Les associations sans but lucratif, les fondations reconnues d'utilité publique et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2009-06-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154974", "@fin": "2999-01-01", "#text": "Chapitre VIII : Les établissements et services autorisés à effectuer des opérations de banque.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@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": "LEGIARTI000006685558", "@fin": "2007-03-14", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685559", "@fin": "2009-06-15", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2007-03-14", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000020740620", "@fin": "2012-04-14", "@num": "R518-61", "@etat": "TRANSFERE", "@debut": "2009-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025686606", "@fin": "2013-07-28", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2012-04-14", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027874757", "@fin": "2014-11-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000029723562", "@fin": "2016-01-17", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2014-11-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031853305", "@fin": "2018-11-05", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2016-01-17", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000037557645", "@fin": "2022-02-07", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2018-11-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000045129765", "@fin": "2024-12-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2022-02-07", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000050741857", "@fin": "2999-01-01", "@num": "R518-61", "@etat": "VIGUEUR", "@debut": "2024-12-06", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

1° Les prêts sont effectués à titre onéreux ;

2° Les prêts ne peuvent être alloués aux entreprises que durant les cinq premières années suivant leur création ou leur reprise ;

Les entreprises ayant déjà bénéficié d'un prêt dans les conditions prévues au présent article peuvent se voir octroyer de nouveaux prêts de même nature durant les sept premières années suivant leur création ou leur reprise ;
\n

3° Les prêts ne peuvent être alloués à des entreprises employant plus de trois salariés ;

7° Le montant total de l'encours des prêts alloués, en application de la présente section, est plafonné à :

a) 12 000 € par participant et par entreprise pour un projet de création ou de développement d'entreprise ;

b) 5 000 € par emprunteur lorsque le prêt est accordé à une personne physique pour la réalisation d'un projet d'insertion.

Les prêts doivent bénéficier d'une garantie apportée par un fonds de garantie ou de cautionnement agréé, par un établissement de crédit ou par une société de financement.

\n
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1° Les prêts sont effectués à titre onéreux ;

2° Les prêts ne peuvent être alloués à des entreprises employant plus de trois salariés ;

3° Les prêts destinés à participer au financement des projets d'insertion sont accordés à des personnes physiques, confrontées à des difficultés de financement, dont les capacités de remboursement de ces prêts sont jugées suffisantes par les associations ou les fondations et qui bénéficient d'un accompagnement social. Ces prêts sont accordés dans une perspective d'accès, de maintien ou de retour à un emploi. Ils peuvent également être accordés pour la réalisation de projets d'insertion sociale qui ne sont pas directement liés à un objectif professionnel ;

4° Sauf décision exceptionnelle de rééchelonnement dûment motivée, tous les prêts accordés à un même bénéficiaire sont remboursables et les intérêts payables dans un délai maximum de cinq ans à partir de la date de premier décaissement des fonds versés ;

5° L'association ou la fondation ne peut consentir un nouveau prêt à l'entreprise bénéficiaire, en application de la présente sous-section, que si l'échéancier de remboursement du ou des prêts précédemment alloués, éventuellement rééchelonnés dans les conditions prévues au 4°, est respecté ;

6° Le montant total de l'encours des prêts alloués, en application de la présente sous-section, est plafonné à :

a) 12 000 € par participant et par entreprise pour un projet de création ou de développement d'entreprise ;

b) 5 000 € par emprunteur lorsque le prêt est accordé à une personne physique pour la réalisation d'un projet d'insertion.

Les prêts doivent bénéficier d'une garantie apportée par un fonds de garantie ou de cautionnement agréé, par un établissement de crédit ou par une société de financement.

\n
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R765-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185334", "@fin": "2012-04-14", "#text": "Sous-section 1 : Dispositions communes.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000025686655", "@fin": "2999-01-01", "#text": "Sous-section 1 : Les associations sans but lucratif et les fondations reconnues d'utilité publique habilitées à faire certains prêts.", "@debut": "2012-04-14" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006170989", "@fin": "2009-06-15", "#text": "Section 5 : Les associations sans but lucratif et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000020740607", "@fin": "2999-01-01", "#text": "Section 5 : Les associations sans but lucratif, les fondations reconnues d'utilité publique et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2009-06-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154974", "@fin": "2999-01-01", "#text": "Chapitre VIII : Les établissements et services autorisés à effectuer des opérations de banque.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006100807", "@fin": "2999-01-01", "#text": "Partie réglementaire", "@debut": "2005-08-25" } ] }, "@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": "LEGIARTI000006685558", "@fin": "2007-03-14", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685559", "@fin": "2009-06-15", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2007-03-14", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000020740620", "@fin": "2012-04-14", "@num": "R518-61", "@etat": "TRANSFERE", "@debut": "2009-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025686606", "@fin": "2013-07-28", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2012-04-14", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027874757", "@fin": "2014-11-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000029723562", "@fin": "2016-01-17", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2014-11-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031853305", "@fin": "2018-11-05", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2016-01-17", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000037557645", "@fin": "2022-02-07", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2018-11-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000045129765", "@fin": "2024-12-06", "@num": "R518-61", "@etat": "MODIFIE", "@debut": "2022-02-07", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000050741857", "@fin": "2999-01-01", "@num": "R518-61", "@etat": "VIGUEUR", "@debut": "2024-12-06", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

1° Les prêts sont effectués à titre onéreux ;

2° Les prêts ne peuvent être alloués à des entreprises employant plus de trois salariés ;

4° Sauf décision exceptionnelle de rééchelonnement dûment motivée, tous les prêts accordés à un même bénéficiaire sont remboursables et les intérêts payables :

a) Dans un délai maximum de cinq ans à partir de la date de premier décaissement des fonds versés pour un projet de création ou de développement d'entreprise ;

b) Dans un délai maximum de sept ans à partir de la date de premier décaissement des fonds versés lorsque le prêt est accordé à une personne physique pour la réalisation d'un projet d'insertion ;

6° Le montant total de l'encours des prêts alloués, en application de la présente sous-section, est plafonné à :

a) 12 000 € par participant et par entreprise pour un projet de création ou de développement d'entreprise ;

b) 8 000 € par emprunteur lorsque le prêt est accordé à une personne physique pour la réalisation d'un projet d'insertion.

Les prêts doivent bénéficier d'une garantie apportée par un fonds de garantie ou de cautionnement agréé, par un établissement de crédit ou par une société de financement.

" } }, "LEGIARTI000050741857": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R518-61", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2024-12-06" } }, "META_COMMUN": { "ID": "LEGIARTI000050741857", "URL": "article/LEGI/ARTI/00/00/50/74/18/LEGIARTI000050741857.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFARTI000001517689", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5, v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000006211156", "@num": "5", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 5 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000037557675", "@num": "1", "#text": "Décret n°2017-563 du 18 avril 2017 - art. 1 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000046770013", "@num": "2", "#text": "Arrêté du 29 décembre 2017 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGIARTI000051686295", "@num": "3", "#text": "Arrêté du 29 décembre 2017 - art. 3 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000036340821", "@nortexte": "TRER1733443A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-12-29" }, { "@id": "LEGITEXT000042172702", "#text": "Décret n°2020-924 du 29 juillet 2020 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000042172710", "@num": "1", "#text": "Décret n°2020-924 du 29 juillet 2020 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042169732", "@nortexte": "ECOT2012021D", "@numtexte": "2020-924", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2020-07-29" }, { "@id": "LEGIARTI000043854628", "@num": "1", "#text": "Décret n°2021-977 du 23 juillet 2021 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000043852172", "@nortexte": "TRER2117874D", "@numtexte": "2021-977", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-07-23" }, { "@id": "LEGITEXT000046769585", "#text": "Arrêté du 4 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046769600", "@num": "1", "#text": "Arrêté du 4 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046768377", "@nortexte": "ENER2234249A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-04" }, { "@id": "LEGIARTI000046865116", "@num": "1", "#text": "Décret n°2022-1761 du 30 décembre 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046848201", "@nortexte": "ENER2236413D", "@numtexte": "2022-1761", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-12-30" }, { "@id": "LEGITEXT000050735463", "#text": "Décret n°2024-1123 du 4 décembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000050735468", "@num": "1", "#text": "Décret n°2024-1123 du 4 décembre 2024 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "MODIFIE", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000050735468", "@num": "1", "#text": "Décret n°2024-1123 du 4 décembre 2024 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGITEXT000051403268", "#text": "Arrêté du 25 mars 2025 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051403279", "@num": "1", "#text": "Arrêté du 25 mars 2025 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000051401544", "@nortexte": "TECR2427076A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-25" }, { "@id": "LEGIARTI000051831200", "@num": "D251-11", "#text": "Code de l'énergie - art. 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R755-4-1 (Ab)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045129770", "@num": "R765-4-1", "#text": "Code monétaire et financier - art. 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1° Les prêts sont effectués à titre onéreux ;

2° Les prêts ne peuvent être alloués à des entreprises employant plus de trois salariés ;

4° Sauf décision exceptionnelle de rééchelonnement dûment motivée, tous les prêts accordés à un même bénéficiaire sont remboursables et les intérêts payables :

a) Dans un délai maximum de cinq ans à partir de la date de premier décaissement des fonds versés pour un projet de création ou de développement d'entreprise ;

6° Le montant total de l'encours des prêts alloués, en application de la présente sous-section, est plafonné à :

a) 17 000 € par participant et par entreprise pour un projet de création ou de développement d'entreprise ;

b) 8 000 € par emprunteur lorsque le prêt est accordé à une personne physique pour la réalisation d'un projet d'insertion.

Les prêts doivent bénéficier d'une garantie apportée par un fonds de garantie ou de cautionnement agréé, par un établissement de crédit ou par une société de financement.

" } } }, "article_lien": [ { "article_id": "LEGIARTI000027874757", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" }, { "article_id": "LEGIARTI000031853305", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" }, { "article_id": "LEGIARTI000045129765", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" }, { "article_id": "LEGIARTI000029723562", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" }, { "article_id": "LEGIARTI000050741857", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000050741857", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" }, { "article_id": "LEGIARTI000006685559", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" }, { "article_id": "LEGIARTI000006685558", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" }, { "article_id": "LEGIARTI000020740620", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" }, { "article_id": "LEGIARTI000037557645", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" }, { "article_id": "LEGIARTI000025686606", "cible": true, "cidtexte": "JORFTEXT000050730709", "id": "LEGIARTI000050735468", "typelien": "CITATION" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000050735468", "liens_entrants": true }

Article 1 ENTIEREMENT_MODIF (Décret n° 2024-1123 du 4 décembre 2024 relevant le plafond d'emprunt applicable au microcrédit professionnel)