{ "article": { "LEGIARTI000052190263": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L354-3-1", "ETAT": "VIGUEUR_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2026-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000052190263", "URL": "article/LEGI/ARTI/00/00/52/19/02/LEGIARTI000052190263.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": "LEGIARTI000052185235", "@num": "96", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 96", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000052191871", "@num": "L341-49", "#text": "Code de la consommation - art. L341-49 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052191332", "@num": "L341-51-1", "#text": "Code de la consommation - art. L341-51-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052189234", "@num": "L341-52-1", "#text": "Code de la consommation - art. L341-52-1", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190822", "@num": "L354-3", "#text": "Code de la consommation - art. L354-3 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000046632238", "@num": "D721-2", "#text": "Code monétaire et financier - art. D721-2", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000034130314", "@fin": "2999-01-01", "#text": "Section 2 : Sanctions communes au crédit immobilier et au crédit à la consommation", "@debut": "2017-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000034130306", "@fin": "2999-01-01", "#text": "Chapitre IV : Sanctions", "@debut": "2017-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225510", "@fin": "2999-01-01", "#text": "Titre V : DISPOSITIONS RELATIVES À L'OUTRE-MER", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052190263", "@fin": "2999-01-01", "@num": "L354-3-1", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Pour l'application de l'article L. 354-3, les montants en euros mentionnés aux articles L. 341-49, L. 341-51-1 et L. 341-52-1 sont convertis en francs Pacifique selon la parité mentionnée à l'article D. 721-2 du code monétaire et financier.

" } }, "LEGIARTI000046632238": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "D721-2", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2022-11-25" } }, "META_COMMUN": { "ID": "LEGIARTI000046632238", "URL": "article/LEGI/ARTI/00/00/46/63/22/LEGIARTI000046632238.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000049804026", "@num": "D422-2", "#text": "Code des impositions sur les biens et services - art. D422-2", "@sens": "cible", "@cidtexte": "LEGITEXT000044595989", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000046629365", "#text": "Décret n°2022-1456 du 23 novembre 2022 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000046605479", "@nortexte": "ECOT2217815Z", "@numtexte": "2022-1456", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-11-23" }, { "@id": "LEGIARTI000046629365", "#text": "Décret n°2022-1456 du 23 novembre 2022 - art.", "@sens": "cible", "@cidtexte": "JORFTEXT000046605479", "@nortexte": "ECOT2217815Z", "@numtexte": "2022-1456", "@typelien": "CREE", "@naturetexte": "DECRET", "@datesignatexte": "2022-11-23" }, { "@id": "LEGIARTI000049332415", "@num": "22", "#text": "Arrêté du 18 mars 2024 - art. 22 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049330539", "@nortexte": "ECOT2405643A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-18" }, { "@id": "LEGITEXT000049354175", "#text": "Arrêté du 29 mars 2024 (VT)", "@sens": "cible", "@cidtexte": "JORFTEXT000049346216", "@nortexte": "TREA2406418A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-03-29" }, { "@id": "LEGITEXT000051348830", "#text": "Arrêté du 12 mars 2025 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000051348079", "@nortexte": "ATDA2503633A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2025-03-12" }, { "@id": "LEGIARTI000052190245", "@num": "L354-2-1", "#text": "Code de la consommation - art. L354-2-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@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": "LEGIARTI000006642388", "@num": "D712-1", "#text": "Code monétaire et financier - art. D712-1 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000046632236", "@fin": "2999-01-01", "#text": "Sous-section 2 : Signes monétaires en Nouvelle-Calédonie, en Polynésie française et dans les îles Wallis et Futuna", "@debut": "2022-11-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000046632230", "@fin": "2999-01-01", "#text": "Section 1 : Signes monétaires", "@debut": "2022-11-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000046632228", "@fin": "2999-01-01", "#text": "Chapitre Ier : Politique monétaire en outre-mer", "@debut": "2022-11-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000046632226", "@fin": "2999-01-01", "#text": "Titre II : Organisation spécifique en Outre-mer de la politique monétaire, des opérations de paiement et des obligations de déclarations", "@debut": "2022-11-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000046632196", "@fin": "2999-01-01", "#text": "Livre VII : Dispositions relatives à l'Outre-mer", "@debut": "2022-11-25" } ] }, "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": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000046632238", "@fin": "2999-01-01", "@num": "D721-2", "@etat": "VIGUEUR", "@debut": "2022-11-25", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
La parité du franc CFP exprimée en millier d'unités est fixée à 8,38 euros.

" } }, "LEGIARTI000052185235": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "96", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000052185235", "URL": "article/LEGI/ARTI/00/00/52/18/52/LEGIARTI000052185235.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000052190881", "@num": "L351-5", "#text": "Code de la consommation - art. L351-5 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190876", "@num": "L351-6", "#text": "Code de la consommation - art. L351-6 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190852", "@num": "L351-7", "#text": "Code de la consommation - art. L351-7 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190845", "@num": "L351-8", "#text": "Code de la consommation - art. L351-8 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190832", "@num": "L354-2", "#text": "Code de la consommation - art. L354-2 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190245", "@num": "L354-2-1", "#text": "Code de la consommation - art. L354-2-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190822", "@num": "L354-3", "#text": "Code de la consommation - art. L354-3 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190263", "@num": "L354-3-1", "#text": "Code de la consommation - art. L354-3-1 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CREE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000052185196", "@fin": "2999-01-01", "#text": "Chapitre Ier : Modification du code de la consommation", "@debut": "2025-09-05" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000052185203", "@fin": "2999-01-01", "#text": "Titre III : DISPOSITIONS RELATIVES AUX OUTRE-MER", "@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": "LEGIARTI000052185235", "@fin": "2999-01-01", "@num": "96", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000052184463", "@fin": "2999-01-01", "@num": "96", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code de la consommation
\n Art. L351-5, Art. L351-6, Art. L351-7, Art. L351-8, Art. L354-2, Art. L354-3\n
\n

\n
\n
A créé les dispositions suivantes :

- Code de la consommation
\n Art. L354-2-1\n
\n

\n
\n
A créé les dispositions suivantes :

- Code de la consommation
\n Art. L354-3-1\n
\n

\n
" } }, "LEGIARTI000052189241": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-52-1", "ETAT": "VIGUEUR_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2026-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000052189241", "URL": "article/LEGI/ARTI/00/00/52/18/92/LEGIARTI000052189241.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000052185291", "@num": "79", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 79", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000052191755", "@num": "L314-24", "#text": "Code de la consommation - art. L314-24 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032301608", "@num": "L314-25", "#text": "Code de la consommation - art. L314-25", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@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" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032395825", "@fin": "2017-02-23", "#text": "Section 4 : Règle de conduite et rémunération", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000034072685", "@fin": "2026-11-20", "#text": "Section 5 : Règle de conduite et rémunération", "@debut": "2017-02-23" }, { "@id": "LEGISCTA000052191340", "@fin": "2999-01-01", "#text": "Section 5 : Règle de conduite, rémunération et formation", "@debut": "2026-11-20" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225675", "@fin": "2999-01-01", "#text": "Chapitre Ier : Opérations de crédit", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225677", "@fin": "2999-01-01", "#text": "Titre IV : SANCTIONS", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052189241", "@fin": "2999-01-01", "@num": "L341-52-1", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Tout manquement aux obligations prévues aux articles L. 314-24 et L. 314-25 en matière de formation est passible d'une amende administrative dont le montant ne peut excéder 1 500 euros pour une personne physique et 7 500 euros pour une personne morale.

Le maximum de l'amende encourue est doublé en cas de réitération du manquement dans un délai de deux ans à compter de la date à laquelle la première décision de sanction est devenue définitive.

" } }, "LEGIARTI000052190822": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L354-3", "ETAT": "VIGUEUR_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2026-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000052190822", "URL": "article/LEGI/ARTI/00/00/52/19/08/LEGIARTI000052190822.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

" }, "LIENS": { "LIEN": [ { "@id": "JORFTEXT000032294277", "#text": "Ordonnance n° 2016-351 du 25 mars 2016", "@sens": "source", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000052185235", "@num": "96", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 96", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000032302966", "@num": "L341-48", "#text": "Code de la consommation - art. L341-48", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032306147", "@num": "L341-52", "#text": "Code de la consommation - art. L341-52", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130308", "@num": "L354-1", "#text": "Code de la consommation - art. L354-1", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@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" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000034130314", "@fin": "2999-01-01", "#text": "Section 2 : Sanctions communes au crédit immobilier et au crédit à la consommation", "@debut": "2017-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000034130306", "@fin": "2999-01-01", "#text": "Chapitre IV : Sanctions", "@debut": "2017-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032225510", "@fin": "2999-01-01", "#text": "Titre V : DISPOSITIONS RELATIVES À L'OUTRE-MER", "@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": "LEGIARTI000034130316", "@fin": "2026-11-20", "@num": "L354-3", "@etat": "ABROGE_DIFF", "@debut": "2017-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052190822", "@fin": "2999-01-01", "@num": "L354-3", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Sont applicables en Polynésie française, en Nouvelle-Calédonie et dans les îles Wallis et Futuna, sous réserve des adaptations prévues à l'article L. 354-1, les dispositions des articles mentionnés dans la colonne de gauche du tableau ci-après, dans leur rédaction indiquée dans la colonne de droite du même tableau :
\n

\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n

\n \n\t\t\tARTICLES APPLICABLES	\n \n\t\t\tDANS LEUR RÉDACTION
\n L. 341-48 \n	\n Résultant de l'ordonnance n° 2016-351 du 25 mars 2016 \n
\n L. 341-49 \n	Résultant de l'ordonnance n° 2025-880 du 3 septembre 2025
\n L. 341-50 et L. 341-51 \n	Résultant de l'ordonnance n° 2016-351 du 25 mars 2016
\n L. 341-51-1 \n	Résultant de l'ordonnance n° 2025-880 du 3 septembre 2025
\n L. 341-52 \n	Résultant de l'ordonnance n° 2016-351 du 25 mars 2016
\n L. 341-52-1 \n	Résultant de l'ordonnance n° 2025-880 du 3 septembre 2025

\n\n

\n
\n

" } }, "LEGIARTI000052191332": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L341-51-1", "ETAT": "VIGUEUR_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2026-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000052191332", "URL": "article/LEGI/ARTI/00/00/52/19/13/LEGIARTI000052191332.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

" }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000052185289", "@num": "78", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 78", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000032222387", "@num": "L314-23", "#text": "Code de la consommation - art. L314-23", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@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" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032395825", "@fin": "2017-02-23", "#text": "Section 4 : Règle de conduite et rémunération", "@debut": "2016-07-01" }, { "@id": "LEGISCTA000034072685", "@fin": "2026-11-20", "#text": "Section 5 : Règle de conduite et rémunération", "@debut": "2017-02-23" }, { "@id": "LEGISCTA000052191340", "@fin": "2999-01-01", "#text": "Section 5 : Règle de conduite, rémunération et formation", "@debut": "2026-11-20" } ] }, "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", "LIEN_ART": { "@id": "LEGIARTI000034071787", "@fin": "2022-01-01", "@num": "L341-51-1", "@etat": "ABROGE", "@debut": "2017-02-23", "@origine": "LEGI" } }, { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052191332", "@fin": "2999-01-01", "@num": "L341-51-1", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Toute violation de l'interdiction prévue au troisième alinéa de l'article L. 314-23 de rémunérer un vendeur en fonction du taux du crédit ou du type de crédit qu'il a fait contracter est passible d'une amende administrative dont le montant ne peut excéder 1 500 euros pour une personne physique et 7 500 euros pour une personne morale.
\n
Toute violation, par un vendeur, de l'interdiction prévue au troisième alinéa de l'article L. 314-23 d'être rémunéré en fonction du taux de crédit ou du type de crédit qu'il a fait contracter est passible d'une amende administrative dont le montant ne peut excéder 1 500 euros pour une personne physique et 7 500 euros pour une personne morale.
\n
Le maximum de l'amende encourue est doublé en cas de réitération du manquement dans un délai de deux ans à compter de la date à laquelle la première décision de sanction est devenue définitive.

" } }, "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": "

" }, "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": "

\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.

" } } }, "article_lien": [ { "article_id": "LEGIARTI000052185235", "cible": false, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000052190263", "typelien": "CREE" }, { "article_id": "LEGIARTI000052189241", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000052190263", "typelien": "CITATION" }, { "article_id": "LEGIARTI000052190822", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000052190263", "typelien": "CITATION" }, { "article_id": "LEGIARTI000052191332", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000052190263", "typelien": "CITATION" }, { "article_id": "LEGIARTI000052191871", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000052190263", "typelien": "CITATION" }, { "article_id": "LEGIARTI000046632238", "cible": true, "cidtexte": "LEGITEXT000006069565", "id": "LEGIARTI000052190263", "typelien": "CITATION" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000052190263", "liens_entrants": true }

Article L354-3-1 AUTONOME VIGUEUR_DIFF, en vigueur depuis le 20/11/2026 (Code de la consommation)