{ "article": { "LEGIARTI000052191376": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L313-5", "ETAT": "VIGUEUR_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2026-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000052191376", "URL": "article/LEGI/ARTI/00/00/52/19/13/LEGIARTI000052191376.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.

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La définition du taux de l'usure est fixée par les articles L. 314-6 à L. 314-9 du code de la consommation.

\n
\n

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Les dispositions des articles L. 314-6 à L. 314-8 ne sont pas applicables aux prêts accordés à une personne physique agissant pour ses besoins professionnels ou à une personne morale se livrant à une activité industrielle, commerciale, artisanale, agricole ou professionnelle non commerciale.

" } }, "LEGIARTI000032225820": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-8", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225820", "URL": "article/LEGI/ARTI/00/00/32/22/58/LEGIARTI000032225820.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000029946714", "@num": "L313-3", "#text": "Code de la consommation - art. L313-3, alinéa 4 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222349", "@num": "L314-6", "#text": "Code de la consommation - art. L314-6 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052191376", "@num": "L313-5", "#text": "Code monétaire et financier - art. L313-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225826", "@fin": "2999-01-01", "#text": "Sous-section 2 : Taux d'usure", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032225820", "@fin": "2999-01-01", "@num": "L314-8", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Des mesures transitoires, dérogeant aux dispositions de l'article L. 314-6, peuvent être mises en œuvre par le ministre chargé de l'économie, sur proposition motivée du gouverneur de la Banque de France, pour une période ne pouvant excéder huit trimestres consécutifs, en cas de :
-variation d'une ampleur exceptionnelle du coût des ressources des établissements de crédit et des sociétés de financement ;
-modifications de la définition des opérations de même nature mentionnées à l'article L. 314-6.

" } }, "LEGIARTI000032225822": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-7", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225822", "URL": "article/LEGI/ARTI/00/00/32/22/58/LEGIARTI000032225822.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000029946714", "@num": "L313-3", "#text": "Code de la consommation - art. L313-3, alinéa 3 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222349", "@num": "L314-6", "#text": "Code de la consommation - art. L314-6 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190881", "@num": "L351-5", "#text": "Code de la consommation - art. L351-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190852", "@num": "L351-7", "#text": "Code de la consommation - art. L351-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052191376", "@num": "L313-5", "#text": "Code monétaire et financier - art. L313-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225826", "@fin": "2999-01-01", "#text": "Sous-section 2 : Taux d'usure", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000032225822", "@fin": "2999-01-01", "@num": "L314-7", "@etat": "VIGUEUR", "@debut": "2016-07-01", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

\n
Les conditions de calcul et de publicité des taux effectifs moyens mentionnés à l'article L. 314-6 sont fixées par décret.

" } }, "LEGIARTI000032225824": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-6", "ETAT": "MODIFIE_MORT_NE", "TYPE": "AUTONOME", "DATE_FIN": "2016-03-27", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032225824", "URL": "article/LEGI/ARTI/00/00/32/22/58/LEGIARTI000032225824.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000045987126", "@num": "1", "#text": "Arrêté du 24 août 2006 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000643089", "@nortexte": "ECOT0614571A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2006-08-24" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGIARTI000032216177", "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "cible", "@cidtexte": "JORFTEXT000032209352", "@nortexte": "EINC1602822R", "@numtexte": "2016-301", "@typelien": "CREE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-14" }, { "@id": "LEGITEXT000042581764", "#text": "Arrêté du 24 novembre 2020 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042574135", "@nortexte": "ECOT2029437A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-11-24" }, { "@id": "LEGIARTI000032807634", "@num": "D314-15", "#text": "Code de la consommation - art. D314-15 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052191725", "@num": "L312-94", "#text": "Code de la consommation - art. L312-94 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029946714", "@num": "L313-3", "#text": "Code de la consommation - art. L313-3, alinéas 1 et 2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225822", "@num": "L314-7", "#text": "Code de la consommation - art. L314-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225820", "@num": "L314-8", "#text": "Code de la consommation - art. L314-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225818", "@num": "L314-9", "#text": "Code de la consommation - art. L314-9 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302978", "@num": "L341-50", "#text": "Code de la consommation - art. L341-50 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190881", "@num": "L351-5", "#text": "Code de la consommation - art. L351-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130284", "@num": "L351-6", "#text": "Code de la consommation - art. L351-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190852", "@num": "L351-7", "#text": "Code de la consommation - art. L351-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190845", "@num": "L351-8", "#text": "Code de la consommation - art. L351-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000047933861", "@num": "L1611-7-1", "#text": "Code général des collectivités territoriales - art. L1611-7-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006070633", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045120332", "@num": "D548-1", "#text": "Code monétaire et financier - art. D548-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052191376", "@num": "L313-5", "#text": "Code monétaire et financier - art. 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\n
Constitue un prêt usuraire tout prêt conventionnel consenti à un taux effectif global qui excède, au moment où il est consenti, de plus du tiers, le taux effectif moyen pratiqué au cours du trimestre précédent par les établissements de crédit et les sociétés de financement pour des opérations de même nature comportant des risques analogues, telles que définies par l'autorité administrative après avis du Comité consultatif du secteur financier. Les catégories d'opérations pour les prêts aux particuliers n'entrant pas dans le champ d'application des articles L. 313-1 et L. 313-2 sont définies à raison du montant des prêts.
Les crédits accordés à l'occasion de ventes à tempérament sont, pour l'application de la présente section, assimilés à des prêts conventionnels et considérés comme usuraires dans les mêmes conditions que les prêts d'argent ayant le même objet.

" } }, "LEGIARTI000032303335": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-6", "ETAT": "ABROGE_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2026-11-20", "DATE_DEBUT": "2016-07-01" } }, "META_COMMUN": { "ID": "LEGIARTI000032303335", "URL": "article/LEGI/ARTI/00/00/32/30/33/LEGIARTI000032303335.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n°2016-301 du 14 mars 2016 - art.", "@sens": "source", "@cidtexte": "JORFTEXT000032209352", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000045987126", "@num": "1", "#text": "Arrêté du 24 août 2006 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000643089", "@nortexte": "ECOT0614571A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2006-08-24" }, { "@id": "LEGIARTI000032297604", "@num": "4", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 4", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGITEXT000042581764", "#text": "Arrêté du 24 novembre 2020 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042574135", "@nortexte": "ECOT2029437A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-11-24" }, { "@id": "LEGIARTI000032807634", "@num": "D314-15", "#text": "Code de la consommation - art. 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L313-3, alinéas 1 et 2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225822", "@num": "L314-7", "#text": "Code de la consommation - art. L314-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225820", "@num": "L314-8", "#text": "Code de la consommation - art. L314-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225818", "@num": "L314-9", "#text": "Code de la consommation - art. L314-9 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302978", "@num": "L341-50", "#text": "Code de la consommation - art. L341-50 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190881", "@num": "L351-5", "#text": "Code de la consommation - art. L351-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130284", "@num": "L351-6", "#text": "Code de la consommation - art. L351-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190852", "@num": "L351-7", "#text": "Code de la consommation - art. L351-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190845", "@num": "L351-8", "#text": "Code de la consommation - art. L351-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000047933861", "@num": "L1611-7-1", "#text": "Code général des collectivités territoriales - art. L1611-7-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006070633", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045120332", "@num": "D548-1", "#text": "Code monétaire et financier - art. D548-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052191376", "@num": "L313-5", "#text": "Code monétaire et financier - art. L313-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "PILOTE_SUIVEUR", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000049423674", "@num": "L511-6", "#text": "Code monétaire et financier - art. L511-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044564132", "@num": "L548-6", "#text": "Code monétaire et financier - art. L548-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225826", "@fin": "2999-01-01", "#text": "Sous-section 2 : Taux d'usure", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000032225824", "@fin": "2016-03-27", "@num": "L314-6", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000032303335", "@fin": "2026-11-20", "@num": "L314-6", "@etat": "ABROGE_DIFF", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052190104", "@fin": "2999-01-01", "@num": "L314-6", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Constitue un prêt usuraire tout prêt conventionnel consenti à un taux effectif global qui excède, au moment où il est consenti, de plus du tiers, le taux effectif moyen pratiqué au cours du trimestre précédent par les établissements de crédit et les sociétés de financement pour des opérations de même nature comportant des risques analogues, telles que définies par l'autorité administrative après avis du Comité consultatif du secteur financier. Les catégories d'opérations pour les prêts aux particuliers n'entrant pas dans le champ d'application du 1° de l'article L. 313-1 ou ne constituant pas une opération de crédit d'un montant supérieur à 75 000 euros destiné à financer, pour les immeubles à usage d'habitation ou à usage professionnel et d'habitation, les dépenses relatives à leur réparation, leur amélioration ou leur entretien sont définies à raison du montant des prêts.

Les crédits accordés à l'occasion de ventes à tempérament sont, pour l'application de la présente section, assimilés à des prêts conventionnels et considérés comme usuraires dans les mêmes conditions que les prêts d'argent ayant le même objet.

" } }, "LEGIARTI000052185215": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "86", "TYPE": "ENTIEREMENT_MODIF", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2999-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000052185215", "URL": "article/LEGI/ARTI/00/00/52/18/52/LEGIARTI000052185215.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000052191376", "@num": "L313-5", "#text": "Code monétaire et financier - art. L313-5 (VD)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "MODIFIE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000052185192", "@fin": "2999-01-01", "#text": "Chapitre Ier : Seuil de l'usure", "@debut": "2025-09-05" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000052185202", "@fin": "2999-01-01", "#text": "Titre II : DISPOSITIONS MODIFIANT LES LIVRES III ET V DU CODE MONÉTAIRE ET FINANCIER", "@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": "LEGIARTI000052185215", "@fin": "2999-01-01", "@num": "86", "@debut": "2999-01-01", "@origine": "LEGI" } }, { "LIEN_ART": { "@id": "JORFARTI000052184394", "@fin": "2999-01-01", "@num": "86", "@debut": "2999-01-01", "@origine": "JORF" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
A modifié les dispositions suivantes :

- Code monétaire et financier
\n Art. L313-5\n
\n

\n
" } }, "LEGIARTI000052190104": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L314-6", "ETAT": "VIGUEUR_DIFF", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2026-11-20" } }, "META_COMMUN": { "ID": "LEGIARTI000052190104", "URL": "article/LEGI/ARTI/00/00/52/19/01/LEGIARTI000052190104.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

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": "LEGIARTI000045987126", "@num": "1", "#text": "Arrêté du 24 août 2006 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000643089", "@nortexte": "ECOT0614571A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2006-08-24" }, { "@id": "LEGITEXT000042581764", "#text": "Arrêté du 24 novembre 2020 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000042574135", "@nortexte": "ECOT2029437A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-11-24" }, { "@id": "LEGIARTI000052185313", "@num": "7", "#text": "Ordonnance n°2025-880 du 3 septembre 2025 - art. 7", "@sens": "cible", "@cidtexte": "JORFTEXT000052184230", "@nortexte": "ECOT2515537R", "@numtexte": "2025-880", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2025-09-03" }, { "@id": "LEGIARTI000032807634", "@num": "D314-15", "#text": "Code de la consommation - art. D314-15 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052191725", "@num": "L312-94", "#text": "Code de la consommation - art. L312-94 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032222205", "@num": "L313-1", "#text": "Code de la consommation - art. L313-1", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000029946714", "@num": "L313-3", "#text": "Code de la consommation - art. L313-3, alinéas 1 et 2 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CONCORDANCE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225822", "@num": "L314-7", "#text": "Code de la consommation - art. L314-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225820", "@num": "L314-8", "#text": "Code de la consommation - art. L314-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032225818", "@num": "L314-9", "#text": "Code de la consommation - art. L314-9 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032302978", "@num": "L341-50", "#text": "Code de la consommation - art. L341-50 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190881", "@num": "L351-5", "#text": "Code de la consommation - art. L351-5 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000034130284", "@num": "L351-6", "#text": "Code de la consommation - art. L351-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190852", "@num": "L351-7", "#text": "Code de la consommation - art. L351-7 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052190845", "@num": "L351-8", "#text": "Code de la consommation - art. L351-8 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069565", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000047933861", "@num": "L1611-7-1", "#text": "Code général des collectivités territoriales - art. L1611-7-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006070633", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045120332", "@num": "D548-1", "#text": "Code monétaire et financier - art. D548-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000052191376", "@num": "L313-5", "#text": "Code monétaire et financier - art. 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L548-6 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000032225826", "@fin": "2999-01-01", "#text": "Sous-section 2 : Taux d'usure", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228035", "@fin": "2999-01-01", "#text": "Section 1 : Taux d'intérêt", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032228031", "@fin": "2999-01-01", "#text": "Chapitre IV : Dispositions communes au crédit à la consommation et au crédit immobilier", "@debut": "2016-03-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226220", "@fin": "2999-01-01", "#text": "Titre Ier : OPÉRATIONS DE CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032226222", "@fin": "2999-01-01", "#text": "Livre III : CRÉDIT", "@debut": "2016-07-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000032227360", "@fin": "2999-01-01", "#text": "Partie législative nouvelle", "@debut": "2016-07-01" } ] }, "@cid": "LEGITEXT000006069565", "@nature": "CODE", "TITRE_TXT": [ { "@fin": "2999-01-01", "#text": "Code de la consommation", "@debut": "1993-07-27", "@id_txt": "LEGITEXT000006069565", "@c_titre_court": "Code de la consommation" } ], "@date_publi": "2999-01-01", "@date_signature": "2999-01-01" } }, "VERSIONS": { "VERSION": [ { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000032225824", "@fin": "2016-03-27", "@num": "L314-6", "@etat": "MODIFIE_MORT_NE", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "ABROGE_DIFF", "LIEN_ART": { "@id": "LEGIARTI000032303335", "@fin": "2026-11-20", "@num": "L314-6", "@etat": "ABROGE_DIFF", "@debut": "2016-07-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR_DIFF", "LIEN_ART": { "@id": "LEGIARTI000052190104", "@fin": "2999-01-01", "@num": "L314-6", "@etat": "VIGUEUR_DIFF", "@debut": "2026-11-20", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

Constitue un prêt usuraire tout prêt conventionnel consenti à un taux effectif global qui excède, au moment où il est consenti, de plus du tiers, le taux effectif moyen pratiqué au cours du trimestre précédent par les établissements de crédit et les sociétés de financement pour des opérations de même nature comportant des risques analogues, telles que définies par l'autorité administrative après avis du Comité consultatif du secteur financier. Les catégories d'opérations pour les prêts aux particuliers n'entrant pas dans le champ d'application du 1° de l'article L. 313-1 ou ne constituant pas une opération de crédit d'un montant supérieur à 100 000 euros destiné à financer, pour les immeubles à usage d'habitation ou à usage professionnel et d'habitation, les dépenses relatives à leur réparation, leur amélioration ou leur entretien sont définies à raison du montant des prêts.

\n
" } } }, "article_lien": [ { "article_id": "LEGIARTI000052185215", "cible": false, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000052191376", "typelien": "MODIFIE" }, { "article_id": "LEGIARTI000032225818", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000052191376", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032225820", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000052191376", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032225822", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000052191376", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032225824", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000052191376", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000032303335", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000052191376", "typelien": "PILOTE_SUIVEUR" }, { "article_id": "LEGIARTI000052190104", "cible": true, "cidtexte": "LEGITEXT000006072026", "id": "LEGIARTI000052191376", "typelien": "PILOTE_SUIVEUR" } ], "follow": [ "LIENS.LIEN[@sens=cible,@typelien=CREATION].@id" ], "id": "LEGIARTI000052191376", "liens_entrants": true }

Article L313-5 AUTONOME VIGUEUR_DIFF, en vigueur depuis le 20/11/2026 (Code monétaire et financier)