{ "article": { "LEGIARTI000052185383": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "42", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000052185383", "URL": "article/LEGI/ARTI/00/00/52/18/53/LEGIARTI000052185383.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000052191688", "@num": "L222-6", "#text": "Code de la consommation - art. L222-6 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225996", "@num": "L312-84", "#text": "Code de la consommation - art. L312-84 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "ABROGE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731376", "@num": "L312-85", "#text": "Code de la consommation - art. L312-85 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "ABROGE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731365", "@num": "L312-86", "#text": "Code de la consommation - art. L312-86 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "ABROGE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731461", "@num": "L312-87", "#text": "Code de la consommation - art. L312-87 (VT)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "ABROGE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052191684", "@num": "L341-1", "#text": "Code de la consommation - art. L341-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000052185187", "@fin": "2999-01-01", "#text": "Chapitre XVI : Autorisations de découvert", "@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": [ { "LIEN_ART": { "@id": "LEGIARTI000052185383", "@fin": "2999-01-01", "@num": "42", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000052184361", "@fin": "2999-01-01", "@num": "42", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A abrogé les dispositions suivantes :

- Code de la consommation
\n Art. L312-84, Art. L312-85, Art. L312-86, Art. L312-87\n
\n

\n
\n
A modifié les dispositions suivantes :

- Code de la consommation
\n Art. L222-6, Art. L341-1\n
\n

\n
" } }, "LEGIARTI000032225996": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L312-84", "ETAT": "ABROGE_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2026-11-20", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225996", "URL": "article/LEGI/ARTI/00/00/32/22/59/LEGIARTI000032225996.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@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": "LEGIARTI000052185383", "@num": "42", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 42", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "ABROGE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000052191688", "@num": "L222-6", "#text": "Code de la consommation - art. L222-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022430399", "@num": "L311-42", "#text": "Code de la consommation - art. L311-42, partiel (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222013", "@num": "L312-16", "#text": "Code de la consommation - art. L312-16", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222015", "@num": "L312-17", "#text": "Code de la consommation - art. L312-17", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222037", "@num": "L312-27", "#text": "Code de la consommation - art. L312-27", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222069", "@num": "L312-38", "#text": "Code de la consommation - art. L312-38", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222071", "@num": "L312-39", "#text": "Code de la consommation - art. L312-39", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222085", "@num": "L312-44", "#text": "Code de la consommation - art. L312-44", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222093", "@num": "L312-48", "#text": "Code de la consommation - art. L312-48", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222095", "@num": "L312-49", "#text": "Code de la consommation - art. L312-49", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222105", "@num": "L312-54", "#text": "Code de la consommation - art. L312-54", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222107", "@num": "L312-55", "#text": "Code de la consommation - art. L312-55", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222109", "@num": "L312-56", "#text": "Code de la consommation - art. L312-56", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032221985", "@num": "L312-6", "#text": "Code de la consommation - art. L312-6", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731376", "@num": "L312-85", "#text": "Code de la consommation - art. L312-85 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225998", "@fin": "2999-01-01", "#text": "Section 11 : Opérations de découvert en compte", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226214", "@fin": "2999-01-01", "#text": "Chapitre II : Crédit à la consommation", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000032225996", "@fin": "2026-11-20", "@num": "L312-84", "@etat": "ABROGE_DIFF", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Les dispositions des 1° à 3° de l'article L. 312-6 et celles des articles L. 312-16, L. 312-17, L. 312-27, L. 312-38, L. 312-39, L. 312-44, L. 312-48, L. 312-49, L. 312-54, L. 312-55, L. 312-56 et L. 312-85 à L. 312-91 s'appliquent aux opérations de crédit consenties sous la forme d'une autorisation de découvert remboursable dans un délai supérieur à un mois et inférieur ou égal à trois mois.
Lorsque le contrat de crédit prévoit un délai de remboursement supérieur à trois mois, l'intégralité des dispositions du présent chapitre lui est applicable.

" } }, "LEGIARTI000035731365": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L312-86", "ETAT": "ABROGE_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2026-11-20", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731365", "URL": "article/LEGI/ARTI/00/00/35/73/13/LEGIARTI000035731365.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000035721940", "@num": "12", "#text": "Ordonnance n°2017-1433 du 4 octobre 2017 - art. 12", "@sens": "cible", "@cidtexte": "JORFTEXT000035720869", "@nortexte": "ECOT1719130R", "@numtexte": "2017-1433", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000052185383", "@num": "42", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 42", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "ABROGE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000022430401", "@num": "L311-43", "#text": "Code de la consommation - art. L311-43, II (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222185", "@num": "L312-87", "#text": "Code de la consommation - art. L312-87", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225998", "@fin": "2999-01-01", "#text": "Section 11 : Opérations de découvert en compte", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226214", "@fin": "2999-01-01", "#text": "Chapitre II : Crédit à la consommation", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225992", "@fin": "2018-04-01", "@num": "L312-86", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000035731365", "@fin": "2026-11-20", "@num": "L312-86", "@etat": "ABROGE_DIFF", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Si le prêteur est disposé à consentir un crédit, il fournit sans frais, à l'emprunteur, à sa demande, sur support papier ou tout autre support durable, les informations prévues au second alinéa de l'article L. 312-87.

" } }, "LEGIARTI000035731376": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L312-85", "ETAT": "ABROGE_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2026-11-20", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731376", "URL": "article/LEGI/ARTI/00/00/35/73/13/LEGIARTI000035731376.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000035721940", "@num": "12", "#text": "Ordonnance n°2017-1433 du 4 octobre 2017 - art. 12", "@sens": "cible", "@cidtexte": "JORFTEXT000035720869", "@nortexte": "ECOT1719130R", "@numtexte": "2017-1433", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000052185383", "@num": "42", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 42", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "ABROGE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000022430401", "@num": "L311-43", "#text": "Code de la consommation - art. L311-43, I (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225996", "@num": "L312-84", "#text": "Code de la consommation - art. L312-84 (VT)", "@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": "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": "LEGIARTI000052190742", "@num": "L351-3", "#text": "Code de la consommation - art. L351-3 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036769035", "@num": "R312-32", "#text": "Code de la consommation - art. R312-32 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225998", "@fin": "2999-01-01", "#text": "Section 11 : Opérations de découvert en compte", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226214", "@fin": "2999-01-01", "#text": "Chapitre II : Crédit à la consommation", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225994", "@fin": "2018-04-01", "@num": "L312-85", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000035731376", "@fin": "2026-11-20", "@num": "L312-85", "@etat": "ABROGE_DIFF", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
\n

\n
\nPréalablement à la conclusion d'une opération mentionnée au premier alinéa de l'article L. 312-84, le prêteur donne à l'emprunteur, sur support papier ou sur un autre support durable, les informations lui permettant d'appréhender clairement l'étendue de son engagement.
\n
\nLa liste et les conditions de présentation de ces informations sont fixées par décret en Conseil d'Etat.

\n
" } }, "LEGIARTI000035731461": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L312-87", "ETAT": "ABROGE_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2026-11-20", "DATE_DEBUT": "2018-04-01" } }, "META_COMMUN": { "ID": "LEGIARTI000035731461", "URL": "article/LEGI/ARTI/00/00/35/73/14/LEGIARTI000035731461.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000035721940", "@num": "12", "#text": "Ordonnance n°2017-1433 du 4 octobre 2017 - art. 12", "@sens": "cible", "@cidtexte": "JORFTEXT000035720869", "@nortexte": "ECOT1719130R", "@numtexte": "2017-1433", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000052185383", "@num": "42", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 42", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "ABROGE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000022430401", "@num": "L311-43", "#text": "Code de la consommation - art. L311-43, III (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035731365", "@num": "L312-86", "#text": "Code de la consommation - art. L312-86 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807486", "@num": "R312-33", "#text": "Code de la consommation - art. R312-33 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225998", "@fin": "2999-01-01", "#text": "Section 11 : Opérations de découvert en compte", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226214", "@fin": "2999-01-01", "#text": "Chapitre II : Crédit à la consommation", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225990", "@fin": "2018-04-01", "@num": "L312-87", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000035731461", "@fin": "2026-11-20", "@num": "L312-87", "@etat": "ABROGE_DIFF", "@debut": "2018-04-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Le contrat de crédit est établi sur support papier ou sur un autre support durable. Il constitue un document distinct de tout support ou document publicitaire.
La liste des informations figurant dans le contrat est fixée par décret en Conseil d'Etat.

" } }, "LEGIARTI000052191684": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-1", "ETAT": "VIGUEUR_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2026-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000052191684", "URL": "article/LEGI/ARTI/00/00/52/19/16/LEGIARTI000052191684.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.

Conformément 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": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000052185383", "@num": "42", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 42", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000052185247", "@num": "57", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 57", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000022434550", "@num": "L311-48", "#text": "Code de la consommation - art. L311-48, alinéa 1 info précontractuelle (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052189044", "@num": "L340-1", "#text": "Code de la consommation - art. L340-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225624", "@num": "L341-19", "#text": "Code de la consommation - art. L341-19 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225622", "@num": "L341-20", "#text": "Code de la consommation - art. L341-20 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225651", "@num": "L341-8", "#text": "Code de la consommation - art. L341-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038782762", "@num": "L354-2", "#text": "Code de la consommation - art. L354-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000052188913", "@fin": "2999-01-01", "#text": "Paragraphe 1 : Sanctions civiles", "@debut": "2026-11-20" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225671", "@fin": "2026-11-20", "#text": "Sous-section 1 : Information précontractuelle de l'emprunteur", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000052191788", "@fin": "2999-01-01", "#text": "Sous-section 1 bis : Information précontractuelle de l'emprunteur", "@debut": "2026-11-20" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225673", "@fin": "2999-01-01", "#text": "Section 1 : Crédit à la consommation", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032225669", "@fin": "2019-07-19", "@num": "L341-1", "@etat": "MODIFIE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000038782736", "@fin": "2026-11-20", "@num": "L341-1", "@etat": "ABROGE_DIFF", "@debut": "2019-07-19", "@origine": "LEGI" } }, { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052191684", "@fin": "2999-01-01", "@num": "L341-1", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

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

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

" } }, "LEGIARTI000052191688": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L222-6", "ETAT": "VIGUEUR_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2026-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000052191688", "URL": "article/LEGI/ARTI/00/00/52/19/16/LEGIARTI000052191688.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

" }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000052185383", "@num": "42", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 42", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000046293671", "@num": "L123-11-3", "#text": "Code de commerce - art. L123-11-3 (M)", "@sens": "cible", "@cidtexte": "LEGITEXT000005634379", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000028747606", "@num": "L121-28", "#text": "Code de la consommation - art. L121-28 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032221407", "@num": "L222-5", "#text": "Code de la consommation - art. L222-5", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034072579", "@num": "L222-7", "#text": "Code de la consommation - art. L222-7 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034072574", "@num": "L222-8", "#text": "Code de la consommation - art. L222-8 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222179", "@num": "L312-84", "#text": "Code de la consommation - art. L312-84", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032807338", "@num": "R242-2", "#text": "Code de la consommation - art. R242-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036923582", "@num": "L221-18", "#text": "Code de la mutualité - art. L221-18 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074067", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045386542", "@num": "R221-1", "#text": "Code de la mutualité - art. R221-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006074067", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000036923677", "@num": "L932-15-1", "#text": "Code de la sécurité sociale. - art. L932-15-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073189", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000049071382", "@num": "R932-2-3", "#text": "Code de la sécurité sociale. - art. R932-2-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073189", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000038614272", "@num": "L112-2-1", "#text": "Code des assurances - art. L112-2-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000043340014", "@num": "L112-2-2", "#text": "Code des assurances - art. L112-2-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000046325206", "@num": "R112-4", "#text": "Code des assurances - art. R112-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006073984", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000035042751", "@num": "L500-1", "#text": "Code monétaire et financier - art. L500-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032226797", "@fin": "2999-01-01", "#text": "Section 3 : Formation et exécution du contrat", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226813", "@fin": "2999-01-01", "#text": "Chapitre II : Dispositions particulières aux contrats conclus à distance portant sur des services financiers", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226893", "@fin": "2999-01-01", "#text": "Titre II : RÈGLES DE FORMATION ET D'EXÉCUTION DE CERTAINS CONTRATS", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227021", "@fin": "2999-01-01", "#text": "Livre II : FORMATION ET ÉXECUTION DES CONTRATS", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000032226795", "@fin": "2026-11-20", "@num": "L222-6", "@etat": "ABROGE_DIFF", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052191688", "@fin": "2999-01-01", "@num": "L222-6", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Le consommateur reçoit, par écrit ou sur un autre support durable à sa disposition et auquel il a accès en temps utile et avant tout engagement, les conditions contractuelles ainsi que les informations mentionnées à l'article L. 222-5. Elles sont fournies au consommateur conformément aux dispositions législatives et réglementaires spécifiques à chaque produit, instrument financier ou service proposé.
\n
\nLe fournisseur exécute ses obligations de communication immédiatement après la conclusion du contrat, lorsque celui-ci a été conclu à la demande du consommateur en utilisant une technique de communication à distance ne permettant pas la transmission des informations précontractuelles et contractuelles sur un support papier ou sur un autre support durable.
\n
\nA tout moment au cours de la relation contractuelle, le consommateur a le droit, s'il en fait la demande, de recevoir les conditions contractuelles sur un support papier. En outre, le consommateur a le droit de changer les techniques de communication à distance utilisées, à moins que cela ne soit incompatible avec le contrat à distance conclu ou avec la nature du service financier fourni.

\n
" } } }, "article_lien": [ { "article_id": "LEGIARTI000032225996", "cible": true, "cidtexte": "JORFTEXT000052184230", "id": "LEGIARTI000052185383", "typelien": "ABROGE" }, { "article_id": "LEGIARTI000035731365", "cible": true, "cidtexte": "JORFTEXT000052184230", "id": "LEGIARTI000052185383", "typelien": "ABROGE" }, { "article_id": "LEGIARTI000035731376", "cible": true, "cidtexte": "JORFTEXT000052184230", "id": "LEGIARTI000052185383", "typelien": "ABROGE" }, { "article_id": "LEGIARTI000035731461", "cible": true, "cidtexte": "JORFTEXT000052184230", "id": "LEGIARTI000052185383", "typelien": "ABROGE" }, { "article_id": "LEGIARTI000052191684", "cible": true, "cidtexte": "JORFTEXT000052184230", "id": "LEGIARTI000052185383", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000052191688", "cible": true, "cidtexte": "JORFTEXT000052184230", "id": "LEGIARTI000052185383", "typelien": "MODIFIE" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000052185383", "liens_entrants": true }

Article 42 ENTIEREMENT_MODIF (Ordonnance n° 2025-880 du 3 septembre 2025 relative au crédit à la consommation)