{ "article": { "LEGIARTI000052185285": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "76", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2025-09-05" } }, "META_COMMUN": { "ID": "LEGIARTI000052185285", "URL": "article/LEGI/ARTI/00/00/52/18/52/LEGIARTI000052185285.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@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" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000052185199", "@fin": "2999-01-01", "#text": "Section 2 : Dispositions communes au crédit à la consommation et au crédit immobilier", "@debut": "2025-09-05" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000052185190", "@fin": "2999-01-01", "#text": "Chapitre XIX : Sanctions", "@debut": "2025-09-05" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000052185201", "@fin": "2999-01-01", "#text": "Titre Ier : DISPOSITIONS MODIFIANT LE LIVRE II, LE LIVRE III ET LE LIVRE VII DU CODE DE LA CONSOMMATION", "@debut": "2025-09-05" } ] }, "@cid": "JORFTEXT000052184230", "@nor": "ECOT2515537R", "@num": "2025-880", "@nature": "ORDONNANCE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Ordonnance n° 2025-880 du 3 septembre 2025 relative au crédit à la consommation", "@debut": "2999-01-01", "@id_txt": "JORFTEXT000052184230", "@c_titre_court": "Ordonnance n°2025-880 du 3 septembre 2025" }, { "@fin": "2999-01-01", "#text": "Ordonnance n° 2025-880 du 3 septembre 2025 relative au crédit à la consommation", "@debut": "2025-09-05", "@id_txt": "LEGITEXT000052185161", "@c_titre_court": "Ordonnance n°2025-880 du 3 septembre 2025" } ], "@ministere": "Ministère de l'économie, des finances et de la souveraineté industrielle et numérique", "@date_publi": "2025-09-04", "@date_signature": "2025-09-03", "@num_parution_jo": "0205" } }, "VERSIONS": { "VERSION": [ { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000052185285", "@fin": "2999-01-01", "@num": "76", "@etat": "VIGUEUR", "@debut": "2025-09-05", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000052184548", "@fin": "2999-01-01", "@num": "76", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
L'article L. 341-49 est abrogé.

" } }, "LEGIARTI000032302972": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-49", "ETAT": "ABROGE_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2026-11-20", "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": "LEGIARTI000052185285", "@num": "76", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 76 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@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": "2026-11-20", "#text": "Sous-section 2 : Sanctions pénales", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000052191336", "@fin": "2999-01-01", "#text": "Sous-section 3 : Sanctions pénales", "@debut": "2026-11-20" } ] }, "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": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000032302972", "@fin": "2026-11-20", "@num": "L341-49", "@etat": "ABROGE_DIFF", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052191871", "@fin": "2999-01-01", "@num": "L341-49", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@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.

" } }, "LEGIARTI000052191871": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-49", "ETAT": "VIGUEUR_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2026-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000052191871", "URL": "article/LEGI/ARTI/00/00/52/19/18/LEGIARTI000052191871.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément au I de l’article 99 de l’ordonnance n° 2025-880 du 3 septembre 2025, ces dispositions, dans leur rédaction résultant de l’ordonnance précitée, entrent en vigueur le 20 novembre 2026.
\n
\nConformément au II de l’article 99 de l’ordonnance n° 2025-880 du 3 septembre 2025, les contrats de crédit en cours au 20 novembre 2026 restent régis par les dispositions du code de la consommation et du code monétaire et financier dans leur rédaction antérieure à l'entrée en vigueur de l’ordonnance précitée.

" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000052185281", "@num": "74", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 74", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000052185285", "@num": "76", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 76 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@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", "@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": "LEGIARTI000052190263", "@num": "L354-3-1", "#text": "Code de la consommation - art. L354-3-1 (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": "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", "@sens": "source", "@cidtexte": "LEGITEXT000006070719", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000052189198", "@fin": "2999-01-01", "#text": "Sous-section 2 : Sanctions administratives", "@debut": "2026-11-20" } ] }, "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": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000032302972", "@fin": "2026-11-20", "@num": "L341-49", "@etat": "ABROGE_DIFF", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052191871", "@fin": "2999-01-01", "@num": "L341-49", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

" } } }, "article_lien": [ { "article_id": "LEGIARTI000032302972", "cible": true, "cidtexte": "JORFTEXT000052184230", "id": "LEGIARTI000052185285", "typelien": "CITATION" }, { "article_id": "LEGIARTI000052191871", "cible": true, "cidtexte": "JORFTEXT000052184230", "id": "LEGIARTI000052185285", "typelien": "CITATION" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000052185285", "liens_entrants": true }

Article 76 AUTONOME VIGUEUR, en vigueur depuis le 05/09/2025 (Ordonnance n° 2025-880 du 3 septembre 2025 relative au crédit à la consommation)