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\n
Le Premier ministre,
Sur le rapport de la ministre de l'économie, des finances et de l'industrie,
Vu le code monétaire et financier, notamment ses articles L. 131-69 à L. 131-86 et R. 131-15 à R. 131-46 ;
Vu la loi n° 2010-737 du 1er juillet 2010 modifiée portant réforme du crédit à la consommation, notamment son article 36 ;
Vu l'avis du comité consultatif de la législation et de la réglementation financières en date du 15 décembre 2010 ;
Le Conseil d'Etat (section des finances) entendu,
Décrète :

" }, "SIGNATAIRES": { "CONTENU": "

Fait le 4 mars 2011.

François Fillon

Par le Premier ministre :

La ministre de l'économie,

des finances et de l'industrie,

Christine Lagarde

" } }, "JORFTEXT000022419094": { "SM": { "CONTENU": "Modification du code de la consommation, du code général des impôts, du code civil, du code monétaire et financier, du code des assurances, du code de la mutualité, du code de la sécurité sociale, du code du commerce.\nModification de la loi n° 2005-32 du 18 janvier 2005 de programmation pour la cohésion sociale : modification de l'article 80.\nRatification de l'ordonnance n° 2009-106 du 30 janvier 2009 portant sur la commercialisation des produits d'assurance sur la vie et sur des opérations de prévoyance collective et d'assurance.\nModification de l'ordonnance susvisée : modification des articles 2, 3, 7, abrogation de l'article 12. \nRatification de l'ordonnance n° 2009-866 du 15 juillet 2009 relative aux conditions régissant la fourniture de services de paiement et portant création des établissements de paiement. \nModification de la loi n° 2008-3 du 3 janvier 2008 pour le développement de la concurrence au service des consommateurs : abrogation de l'article 35. Modification de la loi n° 89-421 du 23 juin 1989 relative à l'information et à la protection des consommateurs ainsi qu'à diverses pratiques commerciales : modification de l'article 10. Transposition complète de la directive 2008/48/CE du Parlement européen et du Conseil concernant les contrats de crédit aux consommateurs et abrogeant la directive 87/102/CEE du conseil. Abrogation de l'article 28 de la présente loi par l'article 78 de la loi n° 2016-1691 du 9 décembre 2016 relative à la transparence, à la lutte contre la corruption et à la modernisation de la vie économique." }, "META": { "META_SPEC": { "META_TEXTE_VERSION": { "LIENS": { "LIEN": [ { "@id": "JORFTEXT000018824825", "#text": "Directive 2008/48/CE du Parlement européen et du Conseil du 23 avril 2008 , v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000018824825", "@nortexte": "32008L0048", "@numtexte": "2008-48", "@typelien": "TRANSPOSITION", "@naturetexte": "DIRECTIVE_EURO", "@datesignatexte": "2008-04-23" }, { "@id": "JORFTEXT000020176349", "#text": "Ordonnance n° 2009-106 du 30 janvier 2009", "@sens": "source", "@cidtexte": "JORFTEXT000020176349", "@nortexte": "ECET0829681R", "@numtexte": "2009-106", "@typelien": "APPLICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2009-01-30" }, { "@id": "JORFTEXT000020856747", "#text": "Ordonnance n° 2009-866 du 15 juillet 2009", "@sens": "source", "@cidtexte": "JORFTEXT000020856747", "@nortexte": "ECET0911069R", "@numtexte": "2009-866", "@typelien": "APPLICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2009-07-15" }, { "@id": "LEGITEXT000022507393", "#text": "Décret n°2010-827\n du 20 juillet 2010 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000022506486", "@nortexte": "ECET1018749D", "@numtexte": "2010-827", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-07-20" }, { "@id": "JORFTEXT000022506486", "#text": "Décret n°2010-827 du 20 juillet 2010, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000022506486", "@nortexte": "ECET1018749D", "@numtexte": "2010-827", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-07-20" }, { "@id": "LEGITEXT000022755122", "#text": "Décret n°2010-1004\n du 30 août 2010 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022753140", "@nortexte": "ECET1019115D", "@numtexte": "2010-1004", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-08-30" }, { "@id": "JORFTEXT000022753140", "#text": "Décret n°2010-1004 du 30 août 2010, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000022753140", "@nortexte": "ECET1019115D", "@numtexte": "2010-1004", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-08-30" }, { "@id": "LEGITEXT000022755138", "#text": "Décret n°2010-1005\n du 30 août 2010 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022753156", "@nortexte": "ECET1019342D", "@numtexte": "2010-1005", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-08-30" }, { "@id": "LEGITEXT000022755138", "#text": "Décret n°2010-1005\n du 30 août 2010 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022753156", "@nortexte": "ECET1019342D", "@numtexte": "2010-1005", "@typelien": "APPLICATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-08-30" }, { "@id": "JORFTEXT000022753156", "#text": "Décret n°2010-1005 du 30 août 2010, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000022753156", "@nortexte": "ECET1019342D", "@numtexte": "2010-1005", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-08-30" }, { "@id": "LEGITEXT000022929117", "#text": "Décret n°2010-1221 du 18 octobre 2010 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022927432", "@nortexte": "ECEC1018418D", "@numtexte": "2010-1221", "@typelien": "APPLICATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-10-18" }, { "@id": "JORFARTI000022941098", "@num": "38", "#text": "LOI n°2010-1249 du 22 octobre 2010 - 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art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000023909733", "@nortexte": "EFIT1104470D", "@numtexte": "2011-457", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-04-26" }, { "@id": "LEGIARTI000023910381", "@num": "2", "#text": "Décret n°2011-457\n du 26 avril 2011 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000023909733", "@nortexte": "EFIT1104470D", "@numtexte": "2011-457", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-04-26" }, { "@id": "JORFARTI000023909736", "@num": "1", "#text": "Décret n°2011-457 du 26 avril 2011 - art. 1, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000023909733", "@nortexte": "EFIT1104470D", "@numtexte": "2011-457", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-04-26" }, { "@id": "JORFARTI000023909741", "@num": "2", "#text": "Décret n°2011-457 du 26 avril 2011 - art. 2, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000023909733", "@nortexte": "EFIT1104470D", "@numtexte": "2011-457", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-04-26" }, { "@id": "JORFTEXT000023909733", "#text": "Décret n°2011-457 du 26 avril 2011, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000023909733", "@nortexte": "EFIT1104470D", "@numtexte": "2011-457", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-04-26" }, { "@id": "LEGITEXT000023929376", "#text": "Décret n°2011-471\n du 29 avril 2011 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000023928572", "@nortexte": "EFIT1111090D", "@numtexte": "2011-471", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-04-29" }, { "@id": "JORFTEXT000023928572", "#text": "Décret n°2011-471 du 29 avril 2011, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000023928572", "@nortexte": "EFIT1111090D", "@numtexte": "2011-471", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-04-29" }, { "@id": "JORFTEXT000024968274", "#text": "Décret n°2011-1871 du 13 décembre 2011, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000024968274", "@nortexte": "EFIT1113002D", "@numtexte": "2011-1871", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-12-13" }, { "@id": "LEGITEXT000024969870", "#text": "Décret n°2011-1871 du 13 décembre 2011 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000024968274", "@nortexte": "EFIT1113002D", "@numtexte": "2011-1871", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-12-13" }, { "@id": "LEGITEXT000024969870", "#text": "Décret n°2011-1871 du 13 décembre 2011 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000024968274", "@nortexte": "EFIT1113002D", "@numtexte": "2011-1871", "@typelien": "APPLICATION", "@naturetexte": "DECRET", "@datesignatexte": "2011-12-13" }, { "@id": "LEGITEXT000025790783", "#text": "Décret n°2012-609\n du 30 avril 2012 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000025789794", "@nortexte": "EFIT1200215D", "@numtexte": "2012-609", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-30" }, { "@id": "LEGITEXT000025790783", "#text": "Décret n°2012-609\n du 30 avril 2012 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000025789794", "@nortexte": "EFIT1200215D", "@numtexte": "2012-609", "@typelien": "APPLICATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-30" }, { "@id": "JORFTEXT000025789794", "#text": "Décret n°2012-609 du 30 avril 2012, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000025789794", "@nortexte": "EFIT1200215D", "@numtexte": "2012-609", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-30" }, { "@id": "LEGITEXT000026508619", "#text": "Décret n°2012-1159\n du 17 octobre 2012 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000026507612", "@nortexte": "EFIT1230949D", "@numtexte": "2012-1159", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-10-17" }, { "@id": "JORFTEXT000026507612", "#text": "Décret n°2012-1159 du 17 octobre 2012, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000026507612", "@nortexte": "EFIT1230949D", "@numtexte": "2012-1159", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-10-17" }, { "@id": "LEGITEXT000026865325", "#text": "Décret n°2012-1478\n du 27 décembre 2012 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000026855222", "@nortexte": "EFIT1224072D", "@numtexte": "2012-1478", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-12-27" }, { "@id": "JORFTEXT000026855222", "#text": "Décret n°2012-1478 du 27 décembre 2012, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000026855222", "@nortexte": "EFIT1224072D", "@numtexte": "2012-1478", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-12-27" }, { "@id": "JORFARTI000033558806", "#text": "Observations - art., v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000033558805", "@nortexte": "CSCL1635168X", "@typelien": "CITATION", "@naturetexte": "OBSERVATION", "@datesignatexte": "2999-01-01" }, { "@id": "JORFARTI000034128563", "@num": "2", "#text": "Arrêté du 23 février 2017 - art. 2, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000034128555", "@nortexte": "ECFT1703177A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-02-23" }, { "@id": "JORFARTI000034128568", "@num": "3", "#text": "Arrêté du 23 février 2017 - art. 3, v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000034128555", "@nortexte": "ECFT1703177A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2017-02-23" }, { "@id": "JORFARTI000036485003", "#text": "Décision n°2017-685 QPC du 12 janvier 2018 - art., v. init.", "@sens": "cible", "@cidtexte": "JORFTEXT000036485002", "@nortexte": "CSCX1801235S", "@numtexte": "2017-685 QPC", "@typelien": "CITATION", "@naturetexte": "DECISION", "@datesignatexte": "2018-01-12" }, { "@id": "LEGIARTI000045235431", "@num": "L732-2", "#text": "Code monétaire et financier - 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Fait à Paris, le 1er juillet 2010.

Nicolas Sarkozy

Par le Président de la République :

Le Premier ministre,

François Fillon

La ministre d'Etat, garde des sceaux,

ministre de la justice et des libertés,

Michèle Alliot-Marie

La ministre de l'économie,

de l'industrie et de l'emploi,

Christine Lagarde

Le ministre de l'intérieur,

de l'outre-mer et des collectivités territoriales,

Brice Hortefeux

Le ministre de la jeunesse

et des solidarités actives,

Marc-Philippe Daubresse

\n\n (1) Travaux préparatoires : loi n° 2010-737.\nSénat :\n Projet de loi n° 364 (2008-2009) ;\n Rapport de M. Philippe Dominati, au nom de la commission spéciale, n° 447 (2008-2009) ;\n Texte de la commission n° 448 (2008-2009) ;\n Discussion les 16 et 17 juin 2009 et adoption le 17 juin 2009 (TA n° 98, 2008-2009).\nAssemblée nationale :\n Projet de loi, adopté par le Sénat, n° 1769 ;\n Rapport de M. François Loos, au nom de la commission des affaires économiques, n° 2150 ;\n Avis de M. Eric Diard, au nom de la commission des lois, n° 2131 ;\n Avis de M. François Goulard, au nom de la commission des finances, n° 2139 ;\n Discussion les 24 mars, 8 et 9 avril 2010 et adoption le 27 avril 2010 (TA n° 451).\n Sénat :\n Projet de loi, modifié par l'Assemblée nationale, n° 415 (2009-2010) ;\n Rapport de M. Philippe Dominati, au nom de la commission spéciale, n° 538 (2009-2010) ;\n Texte de la commission n° 539 (2009-2010) ;\n Discussion et adoption le 21 juin 2010 (TA n° 129, 2009-2010)." } } }, "texte_version_lien": [ { "texte_version_id": "JORFTEXT000022419094", "cible": true, "cidtexte": "JORFTEXT000023662098", "id": "JORFTEXT000023662098", "typelien": "CITATION" } ], "textelr": { "JORFTEXT000022419094": { "META": { "META_SPEC": { "META_TEXTE_CHRONICLE": { "CID": "JORFTEXT000022419094", "NOR": "ECEX0906890L", "NUM": "2010-737", "DATE_PUBLI": "2010-07-02", "DATE_TEXTE": "2010-07-01", "NUM_PARUTION": 151, "NUM_SEQUENCE": 1, "ORIGINE_PUBLI": "JORF n°0151 du 2 juillet 2010", "PAGE_DEB_PUBLI": 12001, "PAGE_FIN_PUBLI": 12023 } }, "META_COMMUN": { "ID": "JORFTEXT000022419094", "URL": "texte/struct/JORF/TEXT/00/00/22/41/90/JORFTEXT000022419094.xml", "ID_ELI": "https://www.legifrance.gouv.fr/eli/loi/2010/7/1/ECEX0906890L/jo/texte", "NATURE": "LOI", "ORIGINE": "JORF", "ELI_ALIAS": { "ID_ELI_ALIAS": "https://www.legifrance.gouv.fr/eli/loi/2010/7/1/2010-737/jo/texte" } } }, "STRUCT": { "LIEN_ART": [ { "@id": "JORFARTI000022419095", "@fin": "2999-01-01", "@debut": "2999-01-01", "@origine": "JORF" } ], "LIEN_SECTION_TA": [ { "@id": "JORFSCTA000022419096", "@cid": "JORFSCTA000022419096", "@fin": "2999-01-01", "@niv": 1, "@url": "/JORF/SCTA/00/00/22/41/90/JORFSCTA000022419096.xml", "#text": "TITRE IER : CREDIT A LA CONSOMMATION", "@debut": "2999-01-01" }, { "@id": "JORFSCTA000022419097", "@cid": "JORFSCTA000022419097", "@fin": "2999-01-01", "@niv": 1, "@url": "/JORF/SCTA/00/00/22/41/90/JORFSCTA000022419097.xml", "#text": "TITRE II : AUTRES DISPOSITIONS RELATIVES AU CREDIT", "@debut": "2999-01-01" }, { "@id": "JORFSCTA000022419098", "@cid": "JORFSCTA000022419098", "@fin": "2999-01-01", "@niv": 1, "@url": "/JORF/SCTA/00/00/22/41/90/JORFSCTA000022419098.xml", "#text": "TITRE III : CONTROLE DE LA COMMERCIALISATION DES PRODUITS ET SERVICES FINANCIERS, BANCAIRES, D'ASSURANCE ET DES OPERATIONS DE CREDIT", "@debut": "2999-01-01" }, { "@id": "JORFSCTA000022419099", "@cid": "JORFSCTA000022419099", "@fin": "2999-01-01", "@niv": 1, "@url": "/JORF/SCTA/00/00/22/41/90/JORFSCTA000022419099.xml", "#text": "TITRE IV : PROCEDURE DE TRAITEMENT DU SURENDETTEMENT DES PARTICULIERS ET ADAPTATION DU FICHIER NATIONAL DES INCIDENTS DE REMBOURSEMENT DES CREDITS AUX PARTICULIERS", "@debut": "2999-01-01" }, { "@id": "JORFSCTA000022419100", "@cid": "JORFSCTA000022419100", "@fin": "2999-01-01", "@niv": 1, "@url": "/JORF/SCTA/00/00/22/41/91/JORFSCTA000022419100.xml", "#text": "TITRE V : DISPOSITIONS RELATIVES A L'OUTRE MER", "@debut": "2999-01-01" }, { "@id": "JORFSCTA000022419101", "@cid": "JORFSCTA000022419101", "@fin": "2999-01-01", "@niv": 1, "@url": "/JORF/SCTA/00/00/22/41/91/JORFSCTA000022419101.xml", "#text": "TITRE VI : DISPOSITIONS TRANSITOIRES ET FINALES", "@debut": "2999-01-01" } ] }, "VERSIONS": { "VERSION": [ { "LIEN_TXT": { "@id": "JORFTEXT000022419094", "@fin": "2999-01-01", "@num": "2010-737", "@debut": "2999-01-01" } }, { "@etat": "VIGUEUR", "LIEN_TXT": { "@id": "LEGITEXT000022420506", "@fin": "2999-01-01", "@num": "2010-737", "@debut": "2010-07-03" } } ] } }, "JORFTEXT000023662098": { "META": { "META_SPEC": { "META_TEXTE_CHRONICLE": { "CID": "JORFTEXT000023662098", "NOR": "EFIT1029651D", "NUM": "2011-243", "DATE_PUBLI": "2011-03-06", "DATE_TEXTE": "2011-03-04", "NUM_SEQUENCE": 7, "ORIGINE_PUBLI": "JORF n°0055 du 6 mars 2011", "PAGE_DEB_PUBLI": 4264, "PAGE_FIN_PUBLI": 4264 } }, "META_COMMUN": { "ID": "JORFTEXT000023662098", "URL": "texte/struct/JORF/TEXT/00/00/23/66/20/JORFTEXT000023662098.xml", "ID_ELI": "http://www.legifrance.gouv.fr/eli/decret/2011/3/4/EFIT1029651D/jo/texte", "NATURE": "DECRET", "ORIGINE": "JORF", "ELI_ALIAS": { "ID_ELI_ALIAS": "http://www.legifrance.gouv.fr/eli/decret/2011/3/4/2011-243/jo/texte" } } }, "STRUCT": { "LIEN_ART": [ { "@id": "JORFARTI000023662101", "@fin": "2999-01-01", "@num": "1", "@debut": "2999-01-01", "@origine": "JORF" }, { "@id": "JORFARTI000023662117", "@fin": "2999-01-01", "@num": "2", "@debut": "2999-01-01", "@origine": "JORF" } ] }, "VERSIONS": { "VERSION": [ { "LIEN_TXT": { "@id": "JORFTEXT000023662098", "@fin": "2999-01-01", "@num": "2011-243", "@debut": "2999-01-01" } }, { "@etat": "VIGUEUR", "LIEN_TXT": { "@id": "LEGITEXT000023663788", "@fin": "2999-01-01", "@num": "2011-243", "@debut": "2011-03-07" } } ] } } }, "follow": [ "STRUCT.LIEN_SECTION_TA.@id", "STRUCTURE_TA.LIEN_SECTION_TA.@id", "TEXTEKALI", "TEXTELR" ], "id": "JORFTEXT000023662098", "liens_entrants": true }