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Sans préjudice des dispositions particulières qui leur sont applicables, les interdictions définies à l'article L. 511-5 ne concernent ni les institutions et services énumérés à l'article L. 518-1, ni les entreprises régies par le code des assurances, ni les sociétés de réassurance, ni les entreprises d'investissement, ni les organismes collecteurs de la participation des employeurs à l'effort de construction pour les opérations prévues par le code de la construction et de l'habitation, ni les fonds communs de créances.
\n
L'interdiction relative aux opérations de crédit ne s'applique pas :
\n
1. Aux organismes sans but lucratif qui, dans le cadre de leur mission et pour des motifs d'ordre social, accordent, sur leur ressources propres, des prêts à conditions préférentielles à certains de leurs ressortissants ;
\n
2. Aux organismes qui, pour des opérations définies à l'article L. 411-1 du code de la construction et de l'habitation, et exclusivement à titre accessoire à leur activité de constructeur ou de prestataire de services, consentent aux personnes physiques accédant à la propriété le paiement différé du prix des logements acquis ou souscrits par elles ;
\n
3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;
\n
4. Aux fonds communs de placement à risque qui, dans les conditions prévues à l'article L. 214-36, consentent des avances en compte courant aux sociétés dans lesquelles ils détiennent une participation.
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Sans préjudice des dispositions particulières qui leur sont applicables, les interdictions définies à l'article L. 511-5 ne concernent ni les institutions et services énumérés à l'article L. 518-1, ni les entreprises régies par le code des assurances, ni les sociétés de réassurance, ni les entreprises d'investissement, ni les organismes collecteurs de la participation des employeurs à l'effort de construction pour les opérations prévues par le code de la construction et de l'habitation, ni les fonds communs de créances.
\n
L'interdiction relative aux opérations de crédit ne s'applique pas :
\n
1. Aux organismes sans but lucratif qui, dans le cadre de leur mission et pour des motifs d'ordre social, accordent, sur leur ressources propres, des prêts à conditions préférentielles à certains de leurs ressortissants ;
\n
2. Aux organismes qui, pour des opérations définies à l'article L. 411-1 du code de la construction et de l'habitation, et exclusivement à titre accessoire à leur activité de constructeur ou de prestataire de services, consentent aux personnes physiques accédant à la propriété le paiement différé du prix des logements acquis ou souscrits par elles ;
\n
3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;
\n
4. Aux fonds communs de placement à risque qui, dans les conditions prévues à l'article L. 214-36, consentent des avances en compte courant aux sociétés dans lesquelles ils détiennent une participation ;
\n
5. Aux associations sans but lucratif faisant des prêts pour la création et le développement d'entreprises par des chômeurs ou titulaires des minima sociaux sur ressources propres et sur emprunts contractés auprès d'établissements de crédit ou des institutions ou services mentionnés à l'article L. 518-1, habilitées et contrôlées dans des conditions définies par décret en Conseil d'Etat.
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L519-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000043340673", "@num": "L519-11", "#text": "Code monétaire et financier - art. L519-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044563901", "@num": "L519-2", "#text": "Code monétaire et financier - art. L519-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044564113", "@num": "L548-1", "#text": "Code monétaire et financier - art. L548-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050370609", "@num": "L612-2", "#text": "Code monétaire et financier - art. L612-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050370559", "@num": "L612-20", "#text": "Code monétaire et financier - art. L612-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340619", "@num": "L745-1-1", "#text": "Code monétaire et financier - art. L745-1-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340590", "@num": "L755-1-1", "#text": "Code monétaire et financier - art. L755-1-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340572", "@num": "L765-1-1", "#text": "Code monétaire et financier - art. L765-1-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000048538366", "@num": "L773-2", "#text": "Code monétaire et financier - art. L773-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000048538339", "@num": "L774-2", "#text": "Code monétaire et financier - art. L774-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045236749", "@num": "L775-2", "#text": "Code monétaire et financier - art. L775-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000037776115", "@num": "R511-2-1-1", "#text": "Code monétaire et financier - art. R511-2-1-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032448078", "@num": "R511-2-1-2", "#text": "Code monétaire et financier - art. R511-2-1-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032448089", "@num": "R511-2-1-3", "#text": "Code monétaire et financier - art. R511-2-1-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027874671", "@num": "R518-57", "#text": "Code monétaire et financier - art. R518-57 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031528953", "@num": "R518-70", "#text": "Code monétaire et financier - art. R518-70 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031528982", "@num": "R518-72", "#text": "Code monétaire et financier - art. R518-72 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031528992", "@num": "R518-73", "#text": "Code monétaire et financier - art. R518-73 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324581", "@num": "R519-15-2", "#text": "Code monétaire et financier - art. R519-15-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324601", "@num": "R519-2", "#text": "Code monétaire et financier - art. R519-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324573", "@num": "R519-20", "#text": "Code monétaire et financier - art. R519-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324564", "@num": "R519-26", "#text": "Code monétaire et financier - art. R519-26 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324558", "@num": "R519-28", "#text": "Code monétaire et financier - art. R519-28 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324593", "@num": "R519-3", "#text": "Code monétaire et financier - art. R519-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324554", "@num": "R519-30", "#text": "Code monétaire et financier - art. R519-30 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324550", "@num": "R519-31", "#text": "Code monétaire et financier - art. R519-31 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324584", "@num": "R519-4", "#text": "Code monétaire et financier - art. 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L411-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006074096", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006170507", "@fin": "2999-01-01", "#text": "Section 2 : Interdictions", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154608", "@fin": "2014-01-01", "#text": "Chapitre Ier : Règles générales applicables aux établissements de crédit", "@debut": "2001-01-01" }, { "@id": "LEGISCTA000027643755", "@fin": "2999-01-01", "#text": "Chapitre Ier : Dispositions générales", "@debut": "2014-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006140044", "@fin": "2014-01-01", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2001-01-01" }, { "@id": "LEGISCTA000027643757", "@fin": "2014-02-22", "#text": "Titre Ier : Prestataires de services bancaire", "@debut": "2014-01-01" }, { "@id": "LEGISCTA000028635775", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-02-22" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123943", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006101336", "@fin": "2999-01-01", "#text": "Partie législative", "@debut": "2001-01-01" } ] }, "@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": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654300", "@fin": "2001-05-16", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2001-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654301", "@fin": "2003-08-02", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2001-05-16", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654302", "@fin": "2005-07-27", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2003-08-02", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654303", "@fin": "2007-06-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2005-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654304", "@fin": "2008-06-15", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2007-06-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019013164", "@fin": "2008-08-06", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2008-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019293605", "@fin": "2009-11-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2008-08-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000020868637", "@fin": "2010-01-23", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2009-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000021759184", "@fin": "2010-09-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2010-01-23", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022422888", "@fin": "2013-01-30", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2010-09-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027007720", "@fin": "2013-07-28", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2013-01-30", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027773023", "@fin": "2014-01-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027643706", "@fin": "2014-10-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000029074273", "@fin": "2015-08-08", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2014-10-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031012204", "@fin": "2015-08-19", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2015-08-08", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031063781", "@fin": "2016-10-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032469998", "@fin": "2016-10-22", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2016-10-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000033282905", "@fin": "2017-04-08", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2016-10-22", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000034387209", "@fin": "2018-01-03", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2017-04-08", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000035042728", "@fin": "2017-10-06", "@num": "L511-6", "@etat": "MODIFIE_MORT_NE", "@debut": "2018-01-03", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000035726628", "@fin": "2018-11-25", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2018-01-03", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000037668206", "@fin": "2019-05-24", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2018-11-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000038588369", "@fin": "2019-07-05", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2019-05-24", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000038725584", "@fin": "2021-07-03", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2019-07-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000043757548", "@fin": "2021-12-24", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2021-07-03", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000044563826", "@fin": "2024-01-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2021-12-24", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000048539588", "@fin": "2024-04-17", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2024-01-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000049423674", "@fin": "2999-01-01", "@num": "L511-6", "@etat": "VIGUEUR", "@debut": "2024-04-17", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Sans préjudice des dispositions particulières qui leur sont applicables, les interdictions définies à l'article L. 511-5 ne concernent ni les institutions et services énumérés à l'article L. 518-1, ni les entreprises régies par le code des assurances, ni les sociétés de réassurance, ni les organismes agréés soumis aux dispositions du livre II du code de la mutualité pour les opérations visées au e du 1° de l'article L. 111-1 dudit code, ni les entreprises d'investissement, ni les organismes collecteurs de la participation des employeurs à l'effort de construction pour les opérations prévues par le code de la construction et de l'habitation, ni les fonds communs de créances, ni les organismes de placement collectif en valeurs mobilières.
\n
L'interdiction relative aux opérations de crédit ne s'applique pas :
\n
1. Aux organismes sans but lucratif qui, dans le cadre de leur mission et pour des motifs d'ordre social, accordent, sur leur ressources propres, des prêts à conditions préférentielles à certains de leurs ressortissants ;
\n
2. Aux organismes qui, pour des opérations définies à l'article L. 411-1 du code de la construction et de l'habitation, et exclusivement à titre accessoire à leur activité de constructeur ou de prestataire de services, consentent aux personnes physiques accédant à la propriété le paiement différé du prix des logements acquis ou souscrits par elles ;
\n
3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;
\n
4. Aux fonds communs de placement à risque qui, dans les conditions prévues à l'article L. 214-36, consentent des avances en compte courant aux sociétés dans lesquelles ils détiennent une participation ;
\n
5. Aux associations sans but lucratif faisant des prêts pour la création et le développement d'entreprises par des chômeurs ou titulaires des minima sociaux sur ressources propres et sur emprunts contractés auprès d'établissements de crédit ou des institutions ou services mentionnés à l'article L. 518-1, habilitées et contrôlées dans des conditions définies par décret en Conseil d'Etat.
" } }, "LEGIARTI000006654303": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2007-06-01", "DATE_DEBUT": "2005-07-27" } }, "META_COMMUN": { "ID": "LEGIARTI000006654303", "URL": "article/LEGI/ARTI/00/00/06/65/43/LEGIARTI000006654303.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AELXXXXXXXX511L006AXXXAD" } }, "NOTA": { "CONTENU": "
NOTA : Ordonnance 2005-1278 du 13 octobre 2005 art. 7 : La présente ordonnance entre en vigueur le premier jour du mois suivant celui de la publication au Journal officiel de la République française de l'arrêté du ministre chargé de l'économie portant homologation des dispositions du règlement général de l'Autorité des marchés financiers relatives aux organismes de placement collectif immobilier. L'arrêté d'homologation du 15 mai 2007 a été publié au Journal officiel du 16 mai 2007.
\n
" }, "LIENS": { "LIEN": [ { "@id": "LEGITEXT000005630278", "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@nortexte": "ECOX0000098R", "@numtexte": "2000-1223", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2000-12-14" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000006522076", "@num": "18", "#text": "Loi n°2005-842 du 26 juillet 2005 - 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L313-21-1 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027805362", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000049391715", "@num": "L511-33", "#text": "Code monétaire et financier - art. L511-33 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006654299", "@num": "L511-5", "#text": "Code monétaire et financier - art. L511-5 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656620", "@num": "L518-1", "#text": "Code monétaire et financier - art. 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L548-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050370609", "@num": "L612-2", "#text": "Code monétaire et financier - art. L612-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050370559", "@num": "L612-20", "#text": "Code monétaire et financier - art. L612-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340619", "@num": "L745-1-1", "#text": "Code monétaire et financier - art. L745-1-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340590", "@num": "L755-1-1", "#text": "Code monétaire et financier - art. L755-1-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340572", "@num": "L765-1-1", "#text": "Code monétaire et financier - art. L765-1-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000048538366", "@num": "L773-2", "#text": "Code monétaire et financier - art. L773-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000048538339", "@num": "L774-2", "#text": "Code monétaire et financier - art. L774-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000045236749", "@num": "L775-2", "#text": "Code monétaire et financier - art. L775-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000037776115", "@num": "R511-2-1-1", "#text": "Code monétaire et financier - art. R511-2-1-1 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032448078", "@num": "R511-2-1-2", "#text": "Code monétaire et financier - art. R511-2-1-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000032448089", "@num": "R511-2-1-3", "#text": "Code monétaire et financier - art. R511-2-1-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027874671", "@num": "R518-57", "#text": "Code monétaire et financier - art. R518-57 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031528953", "@num": "R518-70", "#text": "Code monétaire et financier - art. R518-70 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031528982", "@num": "R518-72", "#text": "Code monétaire et financier - art. R518-72 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031528992", "@num": "R518-73", "#text": "Code monétaire et financier - art. R518-73 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324581", "@num": "R519-15-2", "#text": "Code monétaire et financier - art. R519-15-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324601", "@num": "R519-2", "#text": "Code monétaire et financier - art. R519-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324573", "@num": "R519-20", "#text": "Code monétaire et financier - art. R519-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324564", "@num": "R519-26", "#text": "Code monétaire et financier - art. R519-26 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324558", "@num": "R519-28", "#text": "Code monétaire et financier - art. R519-28 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324593", "@num": "R519-3", "#text": "Code monétaire et financier - art. R519-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324554", "@num": "R519-30", "#text": "Code monétaire et financier - art. R519-30 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324550", "@num": "R519-31", "#text": "Code monétaire et financier - art. R519-31 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324584", "@num": "R519-4", "#text": "Code monétaire et financier - art. R519-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGITEXT000006072026", "#text": "Code monétaire et financier L511-5, L518-1, L214-36, L313-13 à L313-17, L313-21-1", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022423213", "@num": "L139 A", "#text": "Livre des procédures fiscales - art. L139 A (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006069583", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006792038", "@num": "L111-1", "#text": "Code de la mutualité - art. L111-1 (Ab)", "@sens": "source", "@cidtexte": "LEGITEXT000006074067", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006825576", "@num": "L411-1", "#text": "Code de la construction et de l'habitation. - art. L411-1 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006074096", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006170507", "@fin": "2999-01-01", "#text": "Section 2 : Interdictions", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154608", "@fin": "2014-01-01", "#text": "Chapitre Ier : Règles générales applicables aux établissements de crédit", "@debut": "2001-01-01" }, { "@id": "LEGISCTA000027643755", "@fin": "2999-01-01", "#text": "Chapitre Ier : Dispositions générales", "@debut": "2014-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006140044", "@fin": "2014-01-01", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2001-01-01" }, { "@id": "LEGISCTA000027643757", "@fin": "2014-02-22", "#text": "Titre Ier : Prestataires de services bancaire", "@debut": "2014-01-01" }, { "@id": "LEGISCTA000028635775", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-02-22" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123943", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006101336", "@fin": "2999-01-01", "#text": "Partie législative", "@debut": "2001-01-01" } ] }, "@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": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654300", "@fin": "2001-05-16", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2001-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654301", "@fin": "2003-08-02", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2001-05-16", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654302", "@fin": "2005-07-27", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2003-08-02", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654303", "@fin": "2007-06-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2005-07-27", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654304", "@fin": "2008-06-15", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2007-06-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019013164", "@fin": "2008-08-06", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2008-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000019293605", "@fin": "2009-11-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2008-08-06", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000020868637", "@fin": "2010-01-23", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2009-11-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000021759184", "@fin": "2010-09-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2010-01-23", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000022422888", "@fin": "2013-01-30", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2010-09-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027007720", "@fin": "2013-07-28", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2013-01-30", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027773023", "@fin": "2014-01-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2013-07-28", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000027643706", "@fin": "2014-10-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2014-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000029074273", "@fin": "2015-08-08", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2014-10-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031012204", "@fin": "2015-08-19", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2015-08-08", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000031063781", "@fin": "2016-10-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2015-08-19", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000032469998", "@fin": "2016-10-22", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2016-10-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000033282905", "@fin": "2017-04-08", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2016-10-22", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000034387209", "@fin": "2018-01-03", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2017-04-08", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000035042728", "@fin": "2017-10-06", "@num": "L511-6", "@etat": "MODIFIE_MORT_NE", "@debut": "2018-01-03", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000035726628", "@fin": "2018-11-25", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2018-01-03", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000037668206", "@fin": "2019-05-24", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2018-11-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000038588369", "@fin": "2019-07-05", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2019-05-24", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000038725584", "@fin": "2021-07-03", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2019-07-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000043757548", "@fin": "2021-12-24", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2021-07-03", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000044563826", "@fin": "2024-01-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2021-12-24", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000048539588", "@fin": "2024-04-17", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2024-01-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000049423674", "@fin": "2999-01-01", "@num": "L511-6", "@etat": "VIGUEUR", "@debut": "2024-04-17", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Sans préjudice des dispositions particulières qui leur sont applicables, les interdictions définies à l'article L. 511-5 ne concernent ni les institutions et services énumérés à l'article L. 518-1, ni les entreprises régies par le code des assurances, ni les sociétés de réassurance, ni les organismes agréés soumis aux dispositions du livre II du code de la mutualité pour les opérations visées au e du 1° de l'article L. 111-1 dudit code, ni les entreprises d'investissement, ni les organismes collecteurs de la participation des employeurs à l'effort de construction pour les opérations prévues par le code de la construction et de l'habitation, ni les fonds communs de créances, ni les organismes de placement collectif en valeurs mobilières.
\n
L'interdiction relative aux opérations de crédit ne s'applique pas :
\n
1. Aux organismes sans but lucratif qui, dans le cadre de leur mission et pour des motifs d'ordre social, accordent, sur leur ressources propres, des prêts à conditions préférentielles à certains de leurs ressortissants ;
\n
2. Aux organismes qui, pour des opérations définies à l'article L. 411-1 du code de la construction et de l'habitation, et exclusivement à titre accessoire à leur activité de constructeur ou de prestataire de services, consentent aux personnes physiques accédant à la propriété le paiement différé du prix des logements acquis ou souscrits par elles ;
\n
3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;
\n
4. Aux fonds communs de placement à risque qui, dans les conditions prévues à l'article L. 214-36, consentent des avances en compte courant aux sociétés dans lesquelles ils détiennent une participation ;
\n
5. Aux associations sans but lucratif faisant des prêts pour la création et le développement d'entreprises par des chômeurs ou titulaires des minima sociaux sur ressources propres et sur emprunts contractés auprès d'établissements de crédit ou des institutions ou services mentionnés à l'article L. 518-1, habilitées et contrôlées dans des conditions définies par décret en Conseil d'Etat ;
\n
6. Aux personnes morales pour les prêts participatifs qu'elles consentent en vertu des articles L. 313-13 à L. 313-17 et aux personnes morales mentionnées à l'article L. 313-21-1 pour la délivrance des garanties prévues par cet article.
" } }, "LEGIARTI000006654304": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2008-06-15", "DATE_DEBUT": "2007-06-01" } }, "META_COMMUN": { "ID": "LEGIARTI000006654304", "URL": "article/LEGI/ARTI/00/00/06/65/43/LEGIARTI000006654304.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AELXXXXXXXX511L006AXXXAE" } }, "NOTA": { "CONTENU": "
Ordonnance 2005-1278 du 13 octobre 2005 art. 7 : La présente ordonnance entre en vigueur le premier jour du mois suivant celui de la publication au Journal officiel de la République française de l'arrêté du ministre chargé de l'économie portant homologation des dispositions du règlement général de l'Autorité des marchés financiers relatives aux organismes de placement collectif immobilier.L'arrêté d'homologation du 15 mai 2007 a été publié au Journal officiel du 16 mai 2007.
\n
" }, "LIENS": { "LIEN": [ { "@id": "LEGITEXT000005630278", "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@nortexte": "ECOX0000098R", "@numtexte": "2000-1223", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2000-12-14" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000006245811", "@num": "5", "#text": "Ordonnance n°2005-1278 du 13 octobre 2005 - 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Sans préjudice des dispositions particulières qui leur sont applicables, les interdictions définies à l'article L. 511-5 ne concernent ni les institutions et services énumérés à l'article L. 518-1, ni les entreprises régies par le code des assurances, ni les sociétés de réassurance, ni les organismes agréés soumis aux dispositions du livre II du code de la mutualité pour les opérations visées au e du 1° de l'article L. 111-1 dudit code, ni les entreprises d'investissement, ni les organismes collecteurs de la participation des employeurs à l'effort de construction pour les opérations prévues par le code de la construction et de l'habitation, ni les fonds communs de créances, ni les organismes de placement collectif en valeurs mobilières ni les organismes de placement collectif immobilier.
\n
L'interdiction relative aux opérations de crédit ne s'applique pas :
\n
1. Aux organismes sans but lucratif qui, dans le cadre de leur mission et pour des motifs d'ordre social, accordent, sur leur ressources propres, des prêts à conditions préférentielles à certains de leurs ressortissants ;
\n
2. Aux organismes qui, pour des opérations définies à l'article L. 411-1 du code de la construction et de l'habitation, et exclusivement à titre accessoire à leur activité de constructeur ou de prestataire de services, consentent aux personnes physiques accédant à la propriété le paiement différé du prix des logements acquis ou souscrits par elles ;
\n
3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;
\n
4. Aux fonds communs de placement à risque qui, dans les conditions prévues à l'article L. 214-36, consentent des avances en compte courant aux sociétés dans lesquelles ils détiennent une participation ;
\n
5. Aux associations sans but lucratif faisant des prêts pour la création et le développement d'entreprises par des chômeurs ou titulaires des minima sociaux sur ressources propres et sur emprunts contractés auprès d'établissements de crédit ou des institutions ou services mentionnés à l'article L. 518-1, habilitées et contrôlées dans des conditions définies par décret en Conseil d'Etat ;
\n
6. Aux personnes morales pour les prêts participatifs qu'elles consentent en vertu des articles L. 313-13 à L. 313-17 et aux personnes morales mentionnées à l'article L. 313-21-1 pour la délivrance des garanties prévues par cet article.
" } }, "LEGIARTI000006685537": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R518-58", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2007-03-14", "DATE_DEBUT": "2005-08-25" } }, "META_COMMUN": { "ID": "LEGIARTI000006685537", "URL": "article/LEGI/ARTI/00/00/06/68/55/LEGIARTI000006685537.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AERXXXXXXXX518R058AXXXAA" } }, "LIENS": { "LIEN": [ { "@id": "JORFARTI000001051279", "@num": "2", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 2, v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000006211153", "@num": "2", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 2 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "JORFTEXT000000451781", "#text": "Décret 2005-1007 2005-08-02 JORF 25 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGITEXT000031845542", "#text": "Décret n°2016-22 du 14 janvier 2016 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGITEXT000034447101", "#text": "Décret n°2017-563 du 18 avril 2017 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000020740615", "@num": "R518-59", "#text": "Code monétaire et financier - art. R518-59 (T)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025686601", "@num": "R518-60", "#text": "Code monétaire et financier - art. R518-60 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050741857", "@num": "R518-61", "#text": "Code monétaire et financier - art. R518-61 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025686590", "@num": "R518-64", "#text": "Code monétaire et financier - art. R518-64 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006170988", "@fin": "2007-03-14", "#text": "Section 5 : Les associations sans but lucratif habilitées à faire certains prêts.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154974", "@fin": "2999-01-01", "#text": "Chapitre VIII : Les établissements et services autorisés à effectuer des opérations de banque.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "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": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685537", "@fin": "2007-03-14", "@num": "R518-58", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685538", "@fin": "2009-06-15", "@num": "R518-58", "@etat": "MODIFIE", "@debut": "2007-03-14", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000020740609", "@fin": "2012-04-14", "@num": "R518-58", "@etat": "TRANSFERE", "@debut": "2009-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025686586", "@fin": "2013-07-28", "@num": "R518-58", "@etat": "MODIFIE", "@debut": "2012-04-14", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000027874738", "@fin": "2999-01-01", "@num": "R518-58", "@etat": "VIGUEUR", "@debut": "2013-07-28", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Le comité d'habilitation comprend les membres suivants :
\n
1° Trois représentants du ministre chargé de l'économie, dont un membre de l'inspection générale des finances ;
\n
2° Deux représentants du ministre chargé de l'emploi, dont un membre de l'inspection générale des affaires sociales ;
\n
3° Un représentant du ministre chargé des petites et moyennes entreprises ;
\n
4° Un représentant du ministre chargé de l'économie solidaire ;
\n
5° Deux représentants des établissements de crédit ;
\n
6° Deux personnalités qualifiées.
\n
Les membres du comité sont nommés par arrêté du ministre chargé de l'économie pour une durée de cinq ans. Cet arrêté désigne un suppléant pour chaque membre titulaire. La nomination des membres mentionnés aux 2°, 3° et 4° est faite sur proposition du ministre concerné, celle des membres mentionnés au 5° sur proposition de l'Association française des établissements de crédit et des entreprises d'investissement et de la Fédération bancaire française.
\n
Le président du comité est désigné, parmi ses membres, par arrêté du ministre chargé de l'économie.
\n
Le secrétariat du comité est assuré par les services du ministre chargé de l'économie.
\n
Le comité se réunit au moins deux fois par an, sur convocation de son président, qui arrête l'ordre du jour. Les séances ne sont pas publiques.
\n
Le comité se prononce à la majorité des membres présents. En cas de partage des voix, le président a voix prépondérante.
\n
Le comité établit son règlement intérieur.
\n
Les membres du comité et les personnes qui concourent à son activité sont tenus au secret professionnel en ce qui concerne les informations dont ils ont connaissance à l'occasion de leurs fonctions. Tout membre du comité s'abstient de délibérer s'il a ou a eu un intérêt direct et personnel dans l'association sur laquelle le comité est amené à prendre une décision.
" } }, "LEGIARTI000006685538": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R518-58", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2009-06-15", "DATE_DEBUT": "2007-03-14" } }, "META_COMMUN": { "ID": "LEGIARTI000006685538", "URL": "article/LEGI/ARTI/00/00/06/68/55/LEGIARTI000006685538.xml", "NATURE": "Article", "ORIGINE": "LEGI", "ANCIEN_ID": "AERXXXXXXXX518R058AXXXAB" } }, "LIENS": { "LIEN": [ { "@id": "JORFARTI000001051279", "@num": "2", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 2, v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000006211153", "@num": "2", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 2 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "JORFTEXT000000451781", "#text": "Décret 2005-1007 2005-08-02 JORF 25 août 2005", "@sens": "source", "@cidtexte": "JORFTEXT000000451781", "@nortexte": "ECOX0500001D", "@numtexte": "2005-1007", "@typelien": "CODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2005-08-02" }, { "@id": "LEGIARTI000006261153", "@num": "1", "#text": "Décret n°2007-334 du 12 mars 2007 - art. 1 () JORF 14 mars 2007", "@sens": "source", "@cidtexte": "JORFTEXT000000649424", "@nortexte": "ECOT0620082D", "@numtexte": "2007-334", "@typelien": "MODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2007-03-12" }, { "@id": "LEGIARTI000006261155", "@num": "3", "#text": "Décret n°2007-334 du 12 mars 2007 - art. 3 () JORF 14 mars 2007", "@sens": "source", "@cidtexte": "JORFTEXT000000649424", "@nortexte": "ECOT0620082D", "@numtexte": "2007-334", "@typelien": "MODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2007-03-12" }, { "@id": "LEGIARTI000006261156", "@num": "4", "#text": "Décret n°2007-334 du 12 mars 2007 - art. 4 () JORF 14 mars 2007", "@sens": "source", "@cidtexte": "JORFTEXT000000649424", "@nortexte": "ECOT0620082D", "@numtexte": "2007-334", "@typelien": "MODIFICATION", "@naturetexte": "DECRET", "@datesignatexte": "2007-03-12" }, { "@id": "LEGITEXT000031845542", "#text": "Décret n°2016-22 du 14 janvier 2016 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGITEXT000034447101", "#text": "Décret n°2017-563 du 18 avril 2017 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000020740615", "@num": "R518-59", "#text": "Code monétaire et financier - art. R518-59 (T)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025686601", "@num": "R518-60", "#text": "Code monétaire et financier - art. R518-60 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050741857", "@num": "R518-61", "#text": "Code monétaire et financier - art. R518-61 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025686590", "@num": "R518-64", "#text": "Code monétaire et financier - art. R518-64 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185334", "@fin": "2012-04-14", "#text": "Sous-section 1 : Dispositions communes.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000025686655", "@fin": "2999-01-01", "#text": "Sous-section 1 : Les associations sans but lucratif et les fondations reconnues d'utilité publique habilitées à faire certains prêts.", "@debut": "2012-04-14" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006170989", "@fin": "2009-06-15", "#text": "Section 5 : Les associations sans but lucratif et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000020740607", "@fin": "2999-01-01", "#text": "Section 5 : Les associations sans but lucratif, les fondations reconnues d'utilité publique et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2009-06-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154974", "@fin": "2999-01-01", "#text": "Chapitre VIII : Les établissements et services autorisés à effectuer des opérations de banque.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "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": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685537", "@fin": "2007-03-14", "@num": "R518-58", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685538", "@fin": "2009-06-15", "@num": "R518-58", "@etat": "MODIFIE", "@debut": "2007-03-14", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000020740609", "@fin": "2012-04-14", "@num": "R518-58", "@etat": "TRANSFERE", "@debut": "2009-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025686586", "@fin": "2013-07-28", "@num": "R518-58", "@etat": "MODIFIE", "@debut": "2012-04-14", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000027874738", "@fin": "2999-01-01", "@num": "R518-58", "@etat": "VIGUEUR", "@debut": "2013-07-28", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "
Le comité comprend les membres suivants :
\n
1° Trois représentants du ministre chargé de l'économie, dont un membre de l'inspection générale des finances ;
\n
2° Deux représentants du ministre chargé de l'emploi, dont un membre de l'inspection générale des affaires sociales ;
\n
3° Un représentant du ministre chargé des petites et moyennes entreprises ;
\n
4° Un représentant du ministre chargé de l'économie solidaire ;
\n
5° Un représentant du ministre chargé de l'industrie ;
\n
6° Un représentant du ministre chargé de l'aménagement du territoire ;
\n
7° Un représentant du ministre chargé de la défense ;
\n
8° Deux représentants des établissements de crédit ;
\n
9° Deux personnalités qualifiées.
\n
Les membres du comité sont nommés par arrêté du ministre chargé de l'économie pour une durée de cinq ans. Cet arrêté désigne un suppléant pour chaque membre titulaire. La nomination des membres mentionnés aux 2°, 3° et 4° est faite sur proposition du ministre concerné, celle des membres mentionnés au 8° sur proposition de l'Association française des établissements de crédit et des entreprises d'investissement et de la Fédération bancaire française.
\n
Le président du comité est désigné, parmi ses membres, par arrêté du ministre chargé de l'économie.
\n
Le secrétariat du comité est assuré par les services du ministre chargé de l'économie.
\n
Le comité se réunit au moins deux fois par an, sur convocation de son président, qui arrête l'ordre du jour. Les séances ne sont pas publiques.
\n
Le comité se prononce à la majorité des membres présents. En cas de partage des voix, le président a voix prépondérante.
\n
Le comité établit son règlement intérieur.
\n
Les membres du comité et les personnes qui concourent à son activité sont tenus au secret professionnel en ce qui concerne les informations dont ils ont connaissance à l'occasion de leurs fonctions. Tout membre du comité s'abstient de délibérer s'il a ou a eu un intérêt direct et personnel dans l'association ou la société sur laquelle le comité est amené à prendre une décision.
" } }, "LEGIARTI000019013164": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2008-08-06", "DATE_DEBUT": "2008-06-15" } }, "META_COMMUN": { "ID": "LEGIARTI000019013164", "URL": "article/LEGI/ARTI/00/00/19/01/31/LEGIARTI000019013164.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGITEXT000005630278", "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@nortexte": "ECOX0000098R", "@numtexte": "2000-1223", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2000-12-14" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000018983709", "@num": "16", "#text": "Ordonnance n°2008-556\n du 13 juin 2008 - art. 16", "@sens": "cible", "@cidtexte": "JORFTEXT000018981969", "@nortexte": "ECET0807926R", "@numtexte": "2008-556", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2008-06-13" }, { "@id": "LEGIARTI000021721323", "@num": "19", "#text": "Ordonnance n°2010-76 du 21 janvier 2010 - art. 19 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000021719945", "@nortexte": "ECEX0929065R", "@numtexte": "2010-76", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2010-01-21" }, { "@id": "LEGIARTI000030684595", "@num": "1", "#text": "Arrêté du 26 avril 2010 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022153895", "@nortexte": "ECET1009718A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-04-26" }, { "@id": "LEGIARTI000022507396", "@num": "3", "#text": "Décret n°2010-827\n du 20 juillet 2010 - art. 3 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000022506486", "@nortexte": "ECET1018749D", "@numtexte": "2010-827", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-07-20" }, { "@id": "LEGIARTI000041631960", "@num": "1", "#text": "Arrêté du 26 octobre 2010 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGITEXT000025684992", "#text": "Décret n°2012-471\n du 11 avril 2012 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000025684172", "@nortexte": "EFIT1135465D", "@numtexte": "2012-471", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-11" }, { "@id": "LEGIARTI000027902186", "@num": "2", "#text": "Décret n°2012-471\n du 11 avril 2012 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000025684172", "@nortexte": "EFIT1135465D", "@numtexte": "2012-471", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-11" }, { "@id": "LEGIARTI000029010989", "@num": "35", "#text": "Ordonnance n°2014-559\n du 30 mai 2014 - art. 35 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000029008408", "@nortexte": "FCPX1406454R", "@numtexte": "2014-559", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2014-05-30" }, { "@id": "LEGIARTI000031529631", "@num": "1", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGIARTI000031529633", "@num": "2", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031528910", "#text": "DÉCRET n°2015-1524 du 25 novembre 2015 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528050", "@nortexte": "FCPT1521861D", "@numtexte": "2015-1524", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031845542", "#text": "Décret n°2016-22 du 14 janvier 2016 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGIARTI000032297602", "@num": "3", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000034105495", "@num": "56", "#text": "LOI n° 2017-256 du 28 février 2017 - art. 56 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000034103762", "@nortexte": "OMEX1617132L", "@numtexte": "2017-256", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2017-02-28" }, { "@id": "LEGITEXT000034447101", "#text": "Décret n°2017-563 du 18 avril 2017 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000035720833", "@nortexte": "ECOT1717814R", "@numtexte": "2017-1432", "@typelien": "CONCORDE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - 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art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGIARTI000043059531", "@num": "5", "#text": "Arrêté du 30 août 2020 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGITEXT000044521225", "#text": "Décret n°2021-1700 du 17 décembre 2021 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000044516929", "@nortexte": "ECOT2130858D", "@numtexte": "2021-1700", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-12-17" }, { "@id": "LEGITEXT000046084823", "#text": "Décret n°2022-1035 du 22 juillet 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGIARTI000046084850", "@num": "1", "#text": "Décret n°2022-1035 du 22 juillet 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGITEXT000046818907", "#text": "Arrêté du 21 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046807068", "@nortexte": "ENER2236172A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-21" }, { "@id": "LEGIARTI000049419311", "@num": "8", "#text": "LOI n°2024-344 du 15 avril 2024 - art. 8", "@sens": "cible", "@cidtexte": "JORFTEXT000049418388", "@nortexte": "PRMX2331111L", "@numtexte": "2024-344", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2024-04-15" }, { "@id": "LEGITEXT000049768983", "#text": "Décret n°2024-571 du 20 juin 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGIARTI000049768995", "@num": "2", "#text": "Décret n°2024-571 du 20 juin 2024 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGIARTI000049768997", "@num": "3", "#text": "Décret n°2024-571 du 20 juin 2024 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGITEXT000050175323", "#text": "Arrêté du 3 septembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175391", "@num": "12", "#text": "Arrêté du 3 septembre 2024 - art. 12 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175363", "@num": "16", "#text": "Arrêté du 3 septembre 2024 - art. 16 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175462", "@num": "9", "#text": "Arrêté du 3 septembre 2024 - art. 9 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGITEXT000050735463", "#text": "Décret n°2024-1123 du 4 décembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000050476313", "@num": "R232-4", "#text": "Code de l'énergie - art. 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L612-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050370559", "@num": "L612-20", "#text": "Code monétaire et financier - art. L612-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340619", "@num": "L745-1-1", "#text": "Code monétaire et financier - art. L745-1-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340590", "@num": "L755-1-1", "#text": "Code monétaire et financier - art. 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R518-70 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031528982", "@num": "R518-72", "#text": "Code monétaire et financier - art. R518-72 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000031528992", "@num": "R518-73", "#text": "Code monétaire et financier - art. R518-73 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324581", "@num": "R519-15-2", "#text": "Code monétaire et financier - art. 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"@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-02-22" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123943", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2001-01-01" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006101336", "@fin": "2999-01-01", "#text": "Partie législative", "@debut": "2001-01-01" } ] }, "@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": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654300", "@fin": "2001-05-16", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2001-01-01", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006654301", "@fin": "2003-08-02", "@num": 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Sans préjudice des dispositions particulières qui leur sont applicables, les interdictions définies à l'article L. 511-5 ne concernent ni les institutions et services énumérés à l'article L. 518-1, ni les entreprises régies par le code des assurances, ni les sociétés de réassurance, ni les organismes agréés soumis aux dispositions du livre II du code de la mutualité pour les opérations visées au e du 1° de l'article L. 111-1 dudit code, ni les entreprises d'investissement, ni les organismes collecteurs de la participation des employeurs à l'effort de construction pour les opérations prévues par le code de la construction et de l'habitation, ni les organismes de titrisation, ni les organismes de placement collectif en valeurs mobilières ni les organismes de placement collectif immobilier.
\n
L'interdiction relative aux opérations de crédit ne s'applique pas :
\n
1. Aux organismes sans but lucratif qui, dans le cadre de leur mission et pour des motifs d'ordre social, accordent, sur leur ressources propres, des prêts à conditions préférentielles à certains de leurs ressortissants ;
\n
2. Aux organismes qui, pour des opérations définies à l'article L. 411-1 du code de la construction et de l'habitation, et exclusivement à titre accessoire à leur activité de constructeur ou de prestataire de services, consentent aux personnes physiques accédant à la propriété le paiement différé du prix des logements acquis ou souscrits par elles ;
\n
3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;
\n
4. Aux fonds communs de placement à risque qui, dans les conditions prévues à l'article L. 214-36, consentent des avances en compte courant aux sociétés dans lesquelles ils détiennent une participation ;
\n
5. Aux associations sans but lucratif faisant des prêts pour la création et le développement d'entreprises par des chômeurs ou titulaires des minima sociaux sur ressources propres et sur emprunts contractés auprès d'établissements de crédit ou des institutions ou services mentionnés à l'article L. 518-1, habilitées et contrôlées dans des conditions définies par décret en Conseil d'Etat ;
\n
6. Aux personnes morales pour les prêts participatifs qu'elles consentent en vertu des articles L. 313-13 à L. 313-17 et aux personnes morales mentionnées à l'article L. 313-21-1 pour la délivrance des garanties prévues par cet article.
" } }, "LEGIARTI000019293605": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2009-11-01", "DATE_DEBUT": "2008-08-06" } }, "META_COMMUN": { "ID": "LEGIARTI000019293605", "URL": "article/LEGI/ARTI/00/00/19/29/36/LEGIARTI000019293605.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGITEXT000005630278", "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@nortexte": "ECOX0000098R", "@numtexte": "2000-1223", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2000-12-14" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - 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art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000025684172", "@nortexte": "EFIT1135465D", "@numtexte": "2012-471", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-11" }, { "@id": "LEGIARTI000029010989", "@num": "35", "#text": "Ordonnance n°2014-559\n du 30 mai 2014 - art. 35 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000029008408", "@nortexte": "FCPX1406454R", "@numtexte": "2014-559", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2014-05-30" }, { "@id": "LEGIARTI000031529631", "@num": "1", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGIARTI000031529633", "@num": "2", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031528910", "#text": "DÉCRET n°2015-1524 du 25 novembre 2015 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528050", "@nortexte": "FCPT1521861D", "@numtexte": "2015-1524", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031845542", "#text": "Décret n°2016-22 du 14 janvier 2016 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGIARTI000032297602", "@num": "3", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - 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art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGITEXT000046818907", "#text": "Arrêté du 21 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046807068", "@nortexte": "ENER2236172A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-21" }, { "@id": "LEGIARTI000049419311", "@num": "8", "#text": "LOI n°2024-344 du 15 avril 2024 - art. 8", "@sens": "cible", "@cidtexte": "JORFTEXT000049418388", "@nortexte": "PRMX2331111L", "@numtexte": "2024-344", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2024-04-15" }, { "@id": "LEGITEXT000049768983", "#text": "Décret n°2024-571 du 20 juin 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGIARTI000049768995", "@num": "2", "#text": "Décret n°2024-571 du 20 juin 2024 - 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L'interdiction relative aux opérations de crédit ne s'applique pas :

1. Aux organismes sans but lucratif qui, dans le cadre de leur mission et pour des motifs d'ordre social, accordent, sur leur ressources propres, des prêts à conditions préférentielles à certains de leurs ressortissants ;

2. Aux organismes qui, pour des opérations définies à l'article L. 411-1 du code de la construction et de l'habitation, et exclusivement à titre accessoire à leur activité de constructeur ou de prestataire de services, consentent aux personnes physiques accédant à la propriété le paiement différé du prix des logements acquis ou souscrits par elles ;

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

5. Aux associations sans but lucratif et aux fondations reconnues d'utilité publique accordant sur ressources propres et sur emprunts contractés auprès d'établissements de crédit, ou d'institutions ou services mentionnés à l'article L. 518-1, des prêts pour la création et le développement d'entreprises dont l'effectif salarié n'excède pas un nombre fixé par décret ou pour la réalisation de projets d'insertion par des personnes physiques. Ces organismes sont habilités et contrôlés dans des conditions définies par décret en Conseil d'Etat ;

6. Aux personnes morales pour les prêts participatifs qu'elles consentent en vertu des articles L. 313-13 à L. 313-17 et aux personnes morales mentionnées à l'article L. 313-21-1 pour la délivrance des garanties prévues par cet article.

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Le comité comprend les membres suivants :

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1° Trois représentants du ministre chargé de l'économie, dont un membre de l'inspection générale des finances ;

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2° Deux représentants du ministre chargé de l'emploi, dont un membre de l'inspection générale des affaires sociales ;

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3° Un représentant du ministre chargé des petites et moyennes entreprises ;

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4° Un représentant du ministre chargé de l'économie solidaire ;

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5° Un représentant du ministre chargé de l'industrie ;

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6° Un représentant du ministre chargé de l'aménagement du territoire ;

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7° Un représentant du ministre chargé de la défense ;

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8° Deux représentants des établissements de crédit ;

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9° Deux personnalités qualifiées.

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Les membres du comité sont nommés par arrêté du ministre chargé de l'économie pour une durée de cinq ans. Cet arrêté désigne un suppléant pour chaque membre titulaire. La nomination des membres mentionnés aux 2°, 3° et 4° est faite sur proposition du ministre concerné, celle des membres mentionnés au 8° sur proposition de l'Association française des établissements de crédit et des entreprises d'investissement et de la Fédération bancaire française.

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Le président du comité est désigné, parmi ses membres, par arrêté du ministre chargé de l'économie.

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Le secrétariat du comité est assuré par les services du ministre chargé de l'économie.

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Le comité se réunit au moins deux fois par an, sur convocation de son président, qui arrête l'ordre du jour. Les séances ne sont pas publiques.

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Le comité se prononce à la majorité des membres présents. En cas de partage des voix, le président a voix prépondérante.

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Le comité établit son règlement intérieur.

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Les membres du comité et les personnes qui concourent à son activité sont tenus au secret professionnel en ce qui concerne les informations dont ils ont connaissance à l'occasion de leurs fonctions. Tout membre du comité s'abstient de délibérer s'il a ou a eu un intérêt direct et personnel dans l'association, la fondation ou la société sur laquelle le comité est amené à prendre une décision.

\n
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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

5. Aux associations sans but lucratif et aux fondations reconnues d'utilité publique accordant sur ressources propres et sur emprunts contractés auprès d'établissements de crédit, ou d'institutions ou services mentionnés à l'article L. 518-1, des prêts pour la création et le développement d'entreprises dont l'effectif salarié n'excède pas un nombre fixé par décret ou pour la réalisation de projets d'insertion par des personnes physiques. Ces organismes sont habilités dans des conditions définies par décret en Conseil d'Etat ;

" } }, "LEGIARTI000022422888": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2013-01-30", "DATE_DEBUT": "2010-09-01" } }, "META_COMMUN": { "ID": "LEGIARTI000022422888", "URL": "article/LEGI/ARTI/00/00/22/42/28/LEGIARTI000022422888.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGITEXT000005630278", "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@nortexte": "ECOX0000098R", "@numtexte": "2000-1223", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2000-12-14" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - 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"@etat": "MODIFIE", "@debut": "2017-04-08", "@origine": "LEGI" } }, { "@etat": "MODIFIE_MORT_NE", "LIEN_ART": { "@id": "LEGIARTI000035042728", "@fin": "2017-10-06", "@num": "L511-6", "@etat": "MODIFIE_MORT_NE", "@debut": "2018-01-03", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000035726628", "@fin": "2018-11-25", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2018-01-03", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000037668206", "@fin": "2019-05-24", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2018-11-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000038588369", "@fin": "2019-07-05", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2019-05-24", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000038725584", "@fin": "2021-07-03", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2019-07-05", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000043757548", "@fin": "2021-12-24", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2021-07-03", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000044563826", "@fin": "2024-01-01", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2021-12-24", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000048539588", "@fin": "2024-04-17", "@num": "L511-6", "@etat": "MODIFIE", "@debut": "2024-01-01", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000049423674", "@fin": "2999-01-01", "@num": "L511-6", "@etat": "VIGUEUR", "@debut": "2024-04-17", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

5. Aux associations sans but lucratif et aux fondations reconnues d'utilité publique accordant sur ressources propres et sur ressources empruntées des prêts pour la création, le développement et la reprise d'entreprises dont l'effectif salarié ne dépasse pas un seuil fixé par décret ou pour la réalisation de projets d'insertion par des personnes physiques.

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit et des institutions ou services mentionnés à l'article L. 518-1 ainsi qu'auprès de personnes physiques, dûment avisées des risques encourus. Les prêts consentis par les personnes physiques sont non rémunérés et ne peuvent être d'une durée inférieure à deux ans.

Ces associations et fondations sont habilitées dans des conditions définies par décret en Conseil d'Etat. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des prêts qu'elles financent ou qu'elles distribuent répondant à la définition visée au III de l'article 80 de la loi n° 2005-32 du 18 janvier 2005 de programmation pour la cohésion sociale et bénéficiant à ce titre de garanties publiques.

" } }, "LEGIARTI000025686586": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R518-58", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2013-07-28", "DATE_DEBUT": "2012-04-14" } }, "META_COMMUN": { "ID": "LEGIARTI000025686586", "URL": "article/LEGI/ARTI/00/00/25/68/65/LEGIARTI000025686586.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFARTI000001051279", "@num": "2", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 2, v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000006211153", "@num": "2", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 2 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000025684997", "@num": "1", "#text": "Décret n°2012-471\n du 11 avril 2012 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000025684172", "@nortexte": "EFIT1135465D", "@numtexte": "2012-471", "@typelien": "MODIFIE", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-11" }, { "@id": "LEGITEXT000031845542", "#text": "Décret n°2016-22 du 14 janvier 2016 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGITEXT000034447101", "#text": "Décret n°2017-563 du 18 avril 2017 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000020740615", "@num": "R518-59", "#text": "Code monétaire et financier - art. R518-59 (T)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006685548", "@num": "R518-59", "#text": "Code monétaire et financier - art. R518-59 (V)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000025686601", "@num": "R518-60", "#text": "Code monétaire et financier - art. R518-60 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050741857", "@num": "R518-61", "#text": "Code monétaire et financier - art. 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R518-64 (M)", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CONCORDE", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" } ] }, "CONTEXTE": { "TEXTE": { "TM": { "TM": { "TM": { "TM": { "TM": { "TM": { "TITRE_TM": [ { "@id": "LEGISCTA000006185334", "@fin": "2012-04-14", "#text": "Sous-section 1 : Dispositions communes.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000025686655", "@fin": "2999-01-01", "#text": "Sous-section 1 : Les associations sans but lucratif et les fondations reconnues d'utilité publique habilitées à faire certains prêts.", "@debut": "2012-04-14" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006170989", "@fin": "2009-06-15", "#text": "Section 5 : Les associations sans but lucratif et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2007-03-14" }, { "@id": "LEGISCTA000020740607", "@fin": "2999-01-01", "#text": "Section 5 : Les associations sans but lucratif, les fondations reconnues d'utilité publique et les sociétés autorisées à effectuer certaines opérations de banque.", "@debut": "2009-06-15" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006154974", "@fin": "2999-01-01", "#text": "Chapitre VIII : Les établissements et services autorisés à effectuer des opérations de banque.", "@debut": "2005-08-25" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006139648", "@fin": "2014-11-06", "#text": "Titre Ier : Etablissements du secteur bancaire", "@debut": "2005-08-25" }, { "@id": "LEGISCTA000029723044", "@fin": "2999-01-01", "#text": "Titre Ier : Prestataires de services bancaires", "@debut": "2014-11-06" } ] }, "TITRE_TM": [ { "@id": "LEGISCTA000006123547", "@fin": "2999-01-01", "#text": "Livre V : Les prestataires de services", "@debut": "2005-08-25" } ] }, "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": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685537", "@fin": "2007-03-14", "@num": "R518-58", "@etat": "MODIFIE", "@debut": "2005-08-25", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000006685538", "@fin": "2009-06-15", "@num": "R518-58", "@etat": "MODIFIE", "@debut": "2007-03-14", "@origine": "LEGI" } }, { "@etat": "TRANSFERE", "LIEN_ART": { "@id": "LEGIARTI000020740609", "@fin": "2012-04-14", "@num": "R518-58", "@etat": "TRANSFERE", "@debut": "2009-06-15", "@origine": "LEGI" } }, { "@etat": "MODIFIE", "LIEN_ART": { "@id": "LEGIARTI000025686586", "@fin": "2013-07-28", "@num": "R518-58", "@etat": "MODIFIE", "@debut": "2012-04-14", "@origine": "LEGI" } }, { "@etat": "VIGUEUR", "LIEN_ART": { "@id": "LEGIARTI000027874738", "@fin": "2999-01-01", "@num": "R518-58", "@etat": "VIGUEUR", "@debut": "2013-07-28", "@origine": "LEGI" } } ] }, "BLOC_TEXTUEL": { "CONTENU": "

I.-La demande d'habilitation est faite auprès de l'Autorité de contrôle prudentiel. Elle donne lieu, de sa part, à la délivrance d'un récépissé dès réception de l'ensemble des documents nécessaires à l'instruction de la demande. La demande d'habilitation précise la destination des prêts suivant qu'ils ont pour objet la création et le développement d'entreprises, ou la réalisation de projets d'insertion par des personnes physiques.

L'Autorité de contrôle prudentiel statue sur la demande par décision motivée, dans un délai maximal de quatre mois suivant la date de délivrance du récépissé. L'absence de réponse au-delà de ce délai vaut accord tacite de la part de l'Autorité.

L'habilitation délivrée par l'Autorité de contrôle prudentiel mentionne le ou les types de prêts pouvant être accordés par le demandeur.

II.-L'Autorité de contrôle prudentiel peut retirer l'habilitation :
\n
1° Soit sur demande motivée de l'association ou de la fondation ;
\n
2° Soit d'office, lorsque l'association ou la fondation ne respecte plus les conditions mentionnées aux articles R. 518-59 à R. 518-62, ou lorsqu'elle n'exerce plus son activité depuis au moins six mois.

" } }, "LEGIARTI000027007720": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2013-07-28", "DATE_DEBUT": "2013-01-30" } }, "META_COMMUN": { "ID": "LEGIARTI000027007720", "URL": "article/LEGI/ARTI/00/00/27/00/77/LEGIARTI000027007720.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGITEXT000005630278", "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@nortexte": "ECOX0000098R", "@numtexte": "2000-1223", "@typelien": "CODIFICATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2000-12-14" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000021721323", "@num": "19", "#text": "Ordonnance n°2010-76 du 21 janvier 2010 - art. 19 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000021719945", "@nortexte": "ECEX0929065R", "@numtexte": "2010-76", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2010-01-21" }, { "@id": "LEGIARTI000030684595", "@num": "1", "#text": "Arrêté du 26 avril 2010 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022153895", "@nortexte": "ECET1009718A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-04-26" }, { "@id": "LEGIARTI000022507396", "@num": "3", "#text": "Décret n°2010-827\n du 20 juillet 2010 - art. 3 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000022506486", "@nortexte": "ECET1018749D", "@numtexte": "2010-827", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-07-20" }, { "@id": "LEGIARTI000041631960", "@num": "1", "#text": "Arrêté du 26 octobre 2010 - 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art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000034105495", "@num": "56", "#text": "LOI n° 2017-256 du 28 février 2017 - art. 56 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000034103762", "@nortexte": "OMEX1617132L", "@numtexte": "2017-256", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2017-02-28" }, { "@id": "LEGITEXT000034447101", "#text": "Décret n°2017-563 du 18 avril 2017 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000035720833", "@nortexte": "ECOT1717814R", "@numtexte": "2017-1432", "@typelien": "CONCORDE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - 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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

" } }, "LEGIARTI000027643706": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2014-10-01", "DATE_DEBUT": "2014-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000027643706", "URL": "article/LEGI/ARTI/00/00/27/64/37/LEGIARTI000027643706.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000021721323", "@num": "19", "#text": "Ordonnance n°2010-76 du 21 janvier 2010 - 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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1 ainsi qu'auprès de personnes physiques, dûment avisées des risques encourus. Les prêts consentis par les personnes physiques sont non rémunérés et ne peuvent être d'une durée inférieure à deux ans.

" } }, "LEGIARTI000027773023": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2014-01-01", "DATE_DEBUT": "2013-07-28" } }, "META_COMMUN": { "ID": "LEGIARTI000027773023", "URL": "article/LEGI/ARTI/00/00/27/77/30/LEGIARTI000027773023.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "JORFTEXT000000806166", "#text": "Loi n° 2005-32 du 18 janvier 2005 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - 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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

" } }, "LEGIARTI000027874738": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "R518-58", "ETAT": "VIGUEUR", "TYPE": "AUTONOME", "DATE_FIN": "2999-01-01", "DATE_DEBUT": "2013-07-28" } }, "META_COMMUN": { "ID": "LEGIARTI000027874738", "URL": "article/LEGI/ARTI/00/00/27/87/47/LEGIARTI000027874738.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "JORFARTI000001051279", "@num": "2", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 2, v. init.", "@sens": "source", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDANCE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000006211153", "@num": "2", "#text": "Décret n°2002-652 du 30 avril 2002 - art. 2 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000000408882", "@nortexte": "ECOT0214241D", "@numtexte": "2002-652", "@typelien": "CONCORDE", "@naturetexte": "DECRET", "@datesignatexte": "2002-04-30" }, { "@id": "LEGIARTI000027757633", "@num": "24", "#text": "LOI n°2013-672 du 26 juillet 2013 - art. 24 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000027754539", "@nortexte": "EFIX1239994L", "@numtexte": "2013-672", "@typelien": "MODIFICATION", "@naturetexte": "LOI", "@datesignatexte": "2013-07-26" }, { "@id": "LEGITEXT000031845542", "#text": "Décret n°2016-22 du 14 janvier 2016 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGITEXT000034447101", "#text": "Décret n°2017-563 du 18 avril 2017 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000020740615", "@num": "R518-59", "#text": "Code monétaire et financier - art. 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I. – La demande d'habilitation est faite auprès de l'Autorité de contrôle prudentiel et de résolution. Elle donne lieu, de sa part, à la délivrance d'un récépissé dès réception de l'ensemble des documents nécessaires à l'instruction de la demande. La demande d'habilitation précise la destination des prêts suivant qu'ils ont pour objet la création et le développement d'entreprises, ou la réalisation de projets d'insertion par des personnes physiques.

L'Autorité de contrôle prudentiel et de résolution statue sur la demande par décision motivée, dans un délai maximal de quatre mois suivant la date de délivrance du récépissé. L'absence de réponse au-delà de ce délai vaut accord tacite de la part de l'Autorité.

L'habilitation délivrée par l'Autorité de contrôle prudentiel et de résolution mentionne le ou les types de prêts pouvant être accordés par le demandeur.

II. – L'Autorité de contrôle prudentiel et de résolution peut retirer l'habilitation :

1° Soit sur demande motivée de l'association ou de la fondation ;

2° Soit d'office, lorsque l'association ou la fondation ne respecte plus les conditions mentionnées aux articles R. 518-59 à R. 518-62, ou lorsqu'elle n'exerce plus son activité depuis au moins six mois.

" } }, "LEGIARTI000029074273": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2015-08-08", "DATE_DEBUT": "2014-10-01" } }, "META_COMMUN": { "ID": "LEGIARTI000029074273", "URL": "article/LEGI/ARTI/00/00/29/07/42/LEGIARTI000029074273.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000021721323", "@num": "19", "#text": "Ordonnance n°2010-76 du 21 janvier 2010 - art. 19 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000021719945", "@nortexte": "ECEX0929065R", "@numtexte": "2010-76", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2010-01-21" }, { "@id": "LEGIARTI000030684595", "@num": "1", "#text": "Arrêté du 26 avril 2010 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022153895", "@nortexte": "ECET1009718A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-04-26" }, { "@id": "LEGIARTI000022507396", "@num": "3", "#text": "Décret n°2010-827\n du 20 juillet 2010 - art. 3 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000022506486", "@nortexte": "ECET1018749D", "@numtexte": "2010-827", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2010-07-20" }, { "@id": "LEGIARTI000041631960", "@num": "1", "#text": "Arrêté du 26 octobre 2010 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000022972114", "@nortexte": "ECET1024001A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2010-10-26" }, { "@id": "LEGITEXT000025684992", "#text": "Décret n°2012-471\n du 11 avril 2012 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000025684172", "@nortexte": "EFIT1135465D", "@numtexte": "2012-471", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-11" }, { "@id": "LEGIARTI000027902186", "@num": "2", "#text": "Décret n°2012-471\n du 11 avril 2012 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000025684172", "@nortexte": "EFIT1135465D", "@numtexte": "2012-471", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-11" }, { "@id": "LEGIARTI000029011031", "@num": "15", "#text": "Ordonnance n°2014-559\n du 30 mai 2014 - art. 15", "@sens": "cible", "@cidtexte": "JORFTEXT000029008408", "@nortexte": "FCPX1406454R", "@numtexte": "2014-559", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2014-05-30" }, { "@id": "LEGIARTI000029010989", "@num": "35", "#text": "Ordonnance n°2014-559\n du 30 mai 2014 - art. 35 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000029008408", "@nortexte": "FCPX1406454R", "@numtexte": "2014-559", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2014-05-30" }, { "@id": "LEGIARTI000031529631", "@num": "1", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGIARTI000031529633", "@num": "2", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031528910", "#text": "DÉCRET n°2015-1524 du 25 novembre 2015 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528050", "@nortexte": "FCPT1521861D", "@numtexte": "2015-1524", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031845542", "#text": "Décret n°2016-22 du 14 janvier 2016 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGIARTI000032297602", "@num": "3", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000034105495", "@num": "56", "#text": "LOI n° 2017-256 du 28 février 2017 - art. 56 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000034103762", "@nortexte": "OMEX1617132L", "@numtexte": "2017-256", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2017-02-28" }, { "@id": "LEGITEXT000034447101", "#text": "Décret n°2017-563 du 18 avril 2017 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000035720833", "@nortexte": "ECOT1717814R", "@numtexte": "2017-1432", "@typelien": "CONCORDE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000035720833", "@nortexte": "ECOT1717814R", "@numtexte": "2017-1432", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000038497563", "@num": "99", "#text": "LOI n°2019-486 du 22 mai 2019 - art. 99 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000038496102", "@nortexte": "ECOT1810669L", "@numtexte": "2019-486", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2019-05-22" }, { "@id": "LEGIARTI000044982926", "@num": "140", "#text": "LOI n° 2019-1479 du 28 décembre 2019 - art. 140 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000039683923", "@nortexte": "CPAX1925229L", "@numtexte": "2019-1479", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2019-12-28" }, { "@id": "LEGIARTI000043059507", "@num": "2", "#text": "Arrêté du 30 août 2020 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGIARTI000043059495", "@num": "3", "#text": "Arrêté du 30 août 2020 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGIARTI000043059531", "@num": "5", "#text": "Arrêté du 30 août 2020 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGITEXT000044521225", "#text": "Décret n°2021-1700 du 17 décembre 2021 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000044516929", "@nortexte": "ECOT2130858D", "@numtexte": "2021-1700", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-12-17" }, { "@id": "LEGITEXT000046084823", "#text": "Décret n°2022-1035 du 22 juillet 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGIARTI000046084850", "@num": "1", "#text": "Décret n°2022-1035 du 22 juillet 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGITEXT000046818907", "#text": "Arrêté du 21 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046807068", "@nortexte": "ENER2236172A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-21" }, { "@id": "LEGIARTI000049419311", "@num": "8", "#text": "LOI n°2024-344 du 15 avril 2024 - art. 8", "@sens": "cible", "@cidtexte": "JORFTEXT000049418388", "@nortexte": "PRMX2331111L", "@numtexte": "2024-344", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2024-04-15" }, { "@id": "LEGITEXT000049768983", "#text": "Décret n°2024-571 du 20 juin 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGIARTI000049768995", "@num": "2", "#text": "Décret n°2024-571 du 20 juin 2024 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGIARTI000049768997", "@num": "3", "#text": "Décret n°2024-571 du 20 juin 2024 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGITEXT000050175323", "#text": "Arrêté du 3 septembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175391", "@num": "12", "#text": "Arrêté du 3 septembre 2024 - art. 12 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175363", "@num": "16", "#text": "Arrêté du 3 septembre 2024 - art. 16 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175462", "@num": "9", "#text": "Arrêté du 3 septembre 2024 - art. 9 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGITEXT000050735463", "#text": "Décret n°2024-1123 du 4 décembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000006292496", "@num": "L313-3", "#text": "Code de la consommation - 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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1 ainsi qu'auprès de personnes physiques, dûment avisées des risques encourus. Les prêts consentis par les personnes physiques sont non rémunérés et ne peuvent être d'une durée inférieure à deux ans.

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 313-3 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale.

" } }, "LEGIARTI000031012204": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2015-08-19", "DATE_DEBUT": "2015-08-08" } }, "META_COMMUN": { "ID": "LEGIARTI000031012204", "URL": "article/LEGI/ARTI/00/00/31/01/22/LEGIARTI000031012204.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000021721323", "@num": "19", "#text": "Ordonnance n°2010-76 du 21 janvier 2010 - 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art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000034105495", "@num": "56", "#text": "LOI n° 2017-256 du 28 février 2017 - art. 56 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000034103762", "@nortexte": "OMEX1617132L", "@numtexte": "2017-256", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2017-02-28" }, { "@id": "LEGITEXT000034447101", "#text": "Décret n°2017-563 du 18 avril 2017 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000035720833", "@nortexte": "ECOT1717814R", "@numtexte": "2017-1432", "@typelien": "CONCORDE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - 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art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGITEXT000046818907", "#text": "Arrêté du 21 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046807068", "@nortexte": "ENER2236172A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-21" }, { "@id": "LEGIARTI000049419311", "@num": "8", "#text": "LOI n°2024-344 du 15 avril 2024 - art. 8", "@sens": "cible", "@cidtexte": "JORFTEXT000049418388", "@nortexte": "PRMX2331111L", "@numtexte": "2024-344", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2024-04-15" }, { "@id": "LEGITEXT000049768983", "#text": "Décret n°2024-571 du 20 juin 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGIARTI000049768995", "@num": "2", "#text": "Décret n°2024-571 du 20 juin 2024 - 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art. 16 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175462", "@num": "9", "#text": "Arrêté du 3 septembre 2024 - art. 9 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGITEXT000050735463", "#text": "Décret n°2024-1123 du 4 décembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000006292496", "@num": "L313-3", "#text": "Code de la consommation - art. 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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

3 bis. Aux sociétés par actions ou aux sociétés à responsabilité limitée dont les comptes font l'objet d'une certification par un commissaire aux comptes qui consentent, à titre accessoire à leur activité principale, des prêts à moins de deux ans à des microentreprises, des petites et moyennes entreprises ou à des entreprises de taille intermédiaire avec lesquelles elles entretiennent des liens économiques le justifiant. L'octroi d'un prêt ne peut avoir pour effet d'imposer à un partenaire commercial des délais de paiement ne respectant pas les plafonds légaux définis aux articles L. 441-6 et L. 443-1 du code de commerce. Un décret en Conseil d'Etat fixe les conditions et les limites dans lesquelles ces sociétés peuvent octroyer ces prêts.

Les prêts ainsi accordés sont formalisés dans un contrat de prêt, soumis, selon le cas, aux articles L. 225-38 à L. 225-40 ou aux articles L. 223-19 et L. 223-20 du même code. Le montant des prêts consentis est communiqué dans le rapport de gestion et fait l'objet d'une attestation du commissaire aux comptes selon des modalités prévues par décret en Conseil d'Etat.

Nonobstant toute disposition ou stipulation contraire, les créances détenues par le prêteur ne peuvent, à peine de nullité, être acquises par un organisme de titrisation mentionné à l'article L. 214-168 du présent code ou un fonds professionnel spécialisé mentionné à l'article L. 214-154 ou faire l'objet de contrats constituant des instruments financiers à terme ou transférant des risques d'assurance à ces mêmes organismes ou fonds.

4. Abrogé ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

8. Aux sociétés de tiers-financement définies à l'article L. 381-2 du code de la construction et de l'habitation dont l'actionnariat est majoritairement formé par des collectivités territoriales ou qui sont rattachées à une collectivité territoriale de tutelle.

Ces sociétés de tiers-financement ne sont autorisées ni à procéder à l'offre au public de titres financiers, ni à collecter des fonds remboursables du public. Elles peuvent se financer par des ressources empruntées aux établissements de crédit ou aux sociétés de financement ou par tout autre moyen. Un décret précise les conditions dans lesquelles elles sont autorisées par l'Autorité de contrôle prudentiel et de résolution à exercer des activités de crédit, ainsi que les règles de contrôle interne qui leur sont applicables à ce titre.

L'Autorité de contrôle prudentiel et de résolution statue sur la demande d'exercice des activités de crédit dans un délai de deux mois à compter de la réception d'un dossier complet. L'absence de notification de sa décision par l'autorité au terme de ce délai vaut acceptation.

Lorsque l'autorité demande des informations complémentaires, elle le notifie par écrit, en précisant que les éléments demandés doivent lui parvenir dans un délai de trente jours. A défaut de réception de ces éléments dans ce délai, la demande d'autorisation est réputée rejetée. Dès réception de l'intégralité des informations demandées, l'autorité en accuse réception par écrit. Cet accusé de réception mentionne un nouveau délai d'instruction, qui ne peut excéder deux mois.

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 333-4 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 333-5 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale ;

7 bis. Aux personnes physiques agissant à des fins non professionnelles ou commerciales et aux sociétés agissant à titre accessoire à leur activité principale, qui achètent ou souscrivent des minibons mentionnés à l'article L. 223-6 ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

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Sans préjudice des dispositions particulières qui leur sont applicables, les interdictions définies à l'article L. 511-5 ne concernent ni les institutions et services énumérés à l'article L. 518-1, ni les entreprises régies par le code des assurances, ni les sociétés de réassurance, ni les institutions de prévoyance régies par le titre III du livre IX du code de la sécurité sociale, ni les organismes agréés soumis aux dispositions du livre II du code de la mutualité, ni les fonds de retraite professionnelle supplémentaire mentionnés à l'article L. 381-1 du code des assurances, ni les mutuelles ou unions de retraite professionnelle supplémentaire mentionnées à l'article L. 214-1 du code de la mutualité, ni les institutions de retraite professionnelle supplémentaire mentionnées à l'article L. 942-1 du code de la sécurité sociale, ni les entreprises d'investissement, ni les établissements de monnaie électronique, ni les établissements de paiement, ni un organisme agréé mentionné au deuxième alinéa de l'article L. 313-1 du code de la construction et de l'habitation pour les opérations prévues par le code de la construction et de l'habitation, ni les OPCVM ni les FIA relevant des paragraphes 1,2,3 et 6 de la sous-section 2, et des sous-sections 3,4 et 5 de la section 2 du chapitre IV du titre Ier du livre II.

L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Abrogé ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

4. Aux entités et institutions régies par un droit étranger, cessionnaires de créances non échues ou qui se voient transférer ou céder de telles créances résultant d'opérations de crédit conclues par des établissements de crédit, par des sociétés de financement ou par les OPCVM et FIA mentionnés au premier alinéa du présent article, à l'exception, à peine de nullité, des créances dont le débiteur est une personne physique agissant à des fins non professionnelles.
\n
Les entités et institutions de droit étranger mentionnées ci-dessus sont celles dont l'objet ou l'activité est similaire à celui des personnes mentionnées au premier alinéa du présent article ou à celui des établissements de crédit ou des sociétés de financement, des placements collectifs mentionnés au I de l'article L. 214-1, des organismes de retraite et des organismes de titrisation ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

" } }, "LEGIARTI000037668206": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2019-05-24", "DATE_DEBUT": "2018-11-25" } }, "META_COMMUN": { "ID": "LEGIARTI000037668206", "URL": "article/LEGI/ARTI/00/00/37/66/82/LEGIARTI000037668206.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000021721323", "@num": "19", "#text": "Ordonnance n°2010-76 du 21 janvier 2010 - 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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

Les entités et institutions de droit étranger mentionnées ci-dessus sont celles dont l'objet ou l'activité est similaire à celui des personnes mentionnées au premier alinéa du présent article ou à celui des établissements de crédit ou des sociétés de financement, des placements collectifs mentionnés au I de l'article L. 214-1, des organismes de retraite et des organismes de titrisation ;

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

6 bis. Aux organismes et sociétés qui constituent un groupe d'organismes de logement social mentionné à l'article L. 423-1-1 du code de la construction et de l'habitation pour les opérations de crédit auxquelles ils procèdent entre eux ;

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

" } }, "LEGIARTI000038588369": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2019-07-05", "DATE_DEBUT": "2019-05-24" } }, "META_COMMUN": { "ID": "LEGIARTI000038588369", "URL": "article/LEGI/ARTI/00/00/38/58/83/LEGIARTI000038588369.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000021721323", "@num": "19", "#text": "Ordonnance n°2010-76 du 21 janvier 2010 - 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art. 140 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000039683923", "@nortexte": "CPAX1925229L", "@numtexte": "2019-1479", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2019-12-28" }, { "@id": "LEGIARTI000043059507", "@num": "2", "#text": "Arrêté du 30 août 2020 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGIARTI000043059495", "@num": "3", "#text": "Arrêté du 30 août 2020 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGIARTI000043059531", "@num": "5", "#text": "Arrêté du 30 août 2020 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGITEXT000044521225", "#text": "Décret n°2021-1700 du 17 décembre 2021 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000044516929", "@nortexte": "ECOT2130858D", "@numtexte": "2021-1700", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-12-17" }, { "@id": "LEGITEXT000046084823", "#text": "Décret n°2022-1035 du 22 juillet 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGIARTI000046084850", "@num": "1", "#text": "Décret n°2022-1035 du 22 juillet 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGITEXT000046818907", "#text": "Arrêté du 21 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046807068", "@nortexte": "ENER2236172A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-21" }, { "@id": "LEGIARTI000049419311", "@num": "8", "#text": "LOI n°2024-344 du 15 avril 2024 - art. 8", "@sens": "cible", "@cidtexte": "JORFTEXT000049418388", "@nortexte": "PRMX2331111L", "@numtexte": "2024-344", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2024-04-15" }, { "@id": "LEGITEXT000049768983", "#text": "Décret n°2024-571 du 20 juin 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGIARTI000049768995", "@num": "2", "#text": "Décret n°2024-571 du 20 juin 2024 - 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art. 16 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175462", "@num": "9", "#text": "Arrêté du 3 septembre 2024 - art. 9 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGITEXT000050735463", "#text": "Décret n°2024-1123 du 4 décembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050730709", "@nortexte": "ECOT2427268D", "@numtexte": "2024-1123", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-12-04" }, { "@id": "LEGIARTI000006223120", "@num": "L223-19", "#text": "Code de commerce - art. 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L223-6", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042915235", "@num": "L313-13", "#text": "Code monétaire et financier - art. L313-13 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006652137", "@num": "L313-21-1", "#text": "Code monétaire et financier - art. L313-21-1", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027805362", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000049391715", "@num": "L511-33", "#text": "Code monétaire et financier - art. 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L519-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044563901", "@num": "L519-2", "#text": "Code monétaire et financier - art. L519-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044564113", "@num": "L548-1", "#text": "Code monétaire et financier - art. L548-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050370609", "@num": "L612-2", "#text": "Code monétaire et financier - art. L612-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050370559", "@num": "L612-20", "#text": "Code monétaire et financier - art. L612-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340619", "@num": "L745-1-1", "#text": "Code monétaire et financier - art. L745-1-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340590", "@num": "L755-1-1", "#text": "Code monétaire et financier - art. L755-1-1 (VT)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340572", "@num": "L765-1-1", "#text": "Code monétaire et financier - art. 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R519-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324573", "@num": "R519-20", "#text": "Code monétaire et financier - art. R519-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324564", "@num": "R519-26", "#text": "Code monétaire et financier - art. R519-26 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324558", "@num": "R519-28", "#text": "Code monétaire et financier - art. R519-28 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324593", "@num": "R519-3", "#text": "Code monétaire et financier - art. 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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

3 bis. Aux sociétés commerciales dont les comptes du dernier exercice clos ont fait l'objet d'une certification par un commissaire aux comptes ou qui ont désigné volontairement un commissaire aux comptes dans les conditions définies au II de l'article L. 823-3 du code de commerce et qui consentent, à titre accessoire à leur activité principale, des prêts à moins de trois ans à des microentreprises, des petites et moyennes entreprises ou à des entreprises de taille intermédiaire avec lesquelles elles entretiennent des liens économiques le justifiant. L'octroi d'un prêt ne peut avoir pour effet d'imposer à un partenaire commercial des délais de paiement ne respectant pas les plafonds légaux définis aux articles L. 441-6 et L. 443-1 du code de commerce. Un décret en Conseil d'Etat fixe les conditions et les limites dans lesquelles ces sociétés peuvent octroyer ces prêts.

Les prêts ainsi accordés sont formalisés dans un contrat de prêt, soumis, selon le cas, aux articles L. 225-38 à L. 225-40 ou aux articles L. 223-19 et L. 223-20 du même code. Le montant des prêts consentis est communiqué dans le rapport de gestion et fait l'objet d'une attestation d'un commissaire aux comptes selon des modalités prévues par décret en Conseil d'Etat.

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

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\n

L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

3 bis. Aux sociétés commerciales dont les comptes du dernier exercice clos ont fait l'objet d'une certification par un commissaire aux comptes ou qui ont désigné volontairement un commissaire aux comptes dans les conditions définies au II de l'article L. 823-3 du code de commerce et qui consentent, à titre accessoire à leur activité principale, des prêts à moins de trois ans à des microentreprises, des petites et moyennes entreprises ou à des entreprises de taille intermédiaire avec lesquelles elles entretiennent des liens économiques le justifiant. L'octroi d'un prêt ne peut avoir pour effet d'imposer à un partenaire commercial des délais de paiement ne respectant pas les plafonds légaux définis aux articles L. 441-10 à L. 441-13 du code de commerce. Un décret en Conseil d'Etat fixe les conditions et les limites dans lesquelles ces sociétés peuvent octroyer ces prêts.

Les prêts ainsi accordés sont formalisés dans un contrat de prêt, soumis, selon le cas, aux articles L. 225-38 à L. 225-40 ou aux articles L. 223-19 et L. 223-20 du même code. Le montant des prêts consentis est communiqué dans le rapport de gestion et fait l'objet d'une attestation d'un commissaire aux comptes selon des modalités prévues par décret en Conseil d'Etat.

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

\n
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\n

L'interdiction relative aux opérations de crédit ne s'applique pas :

1° bis. Aux associations régies par la loi du 1er juillet 1901 relative au contrat d'association ou inscrites au registre des associations en application du code civil local applicable dans les départements du Bas-Rhin, du Haut-Rhin et de la Moselle, déclarées depuis trois ans au moins et dont l'ensemble des activités est mentionné au b du 1 de l'article 200 du code général des impôts, ainsi qu'aux associations et fondations reconnues d'utilité publique, qui octroient sur leurs ressources disponibles à long terme des prêts à moins de deux ans à taux zéro aux membres de l'union mentionnée à l'article 7 du décret du 16 août 1901 pris pour l'exécution de la loi du 1er juillet 1901 relative au contrat d'association ou de la fédération d'associations constituée sous forme d'association dont elles sont membres ;

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

3 bis. Aux sociétés commerciales dont les comptes du dernier exercice clos ont fait l'objet d'une certification par un commissaire aux comptes ou qui ont désigné volontairement un commissaire aux comptes dans les conditions définies au II de l'article L. 823-3 du code de commerce et qui consentent, à titre accessoire à leur activité principale, des prêts à moins de trois ans à des microentreprises, des petites et moyennes entreprises ou à des entreprises de taille intermédiaire avec lesquelles elles entretiennent des liens économiques le justifiant. L'octroi d'un prêt ne peut avoir pour effet d'imposer à un partenaire commercial des délais de paiement ne respectant pas les plafonds légaux définis aux articles L. 441-10 à L. 441-13 du code de commerce. Un décret en Conseil d'Etat fixe les conditions et les limites dans lesquelles ces sociétés peuvent octroyer ces prêts.

Les prêts ainsi accordés sont formalisés dans un contrat de prêt, soumis, selon le cas, aux articles L. 225-38 à L. 225-40 ou aux articles L. 223-19 et L. 223-20 du même code. Le montant des prêts consentis est communiqué dans le rapport de gestion et fait l'objet d'une attestation d'un commissaire aux comptes selon des modalités prévues par décret en Conseil d'Etat.

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

7. Aux personnes physiques qui, agissant à des fins non professionnelles ou commerciales, consentent des prêts dans le cadre du financement participatif de projets déterminés, conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable à ces crédits est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation. Un décret fixe les principales caractéristiques de ces prêts, notamment leur durée maximale ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

\n
" } }, "LEGIARTI000044563826": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2024-01-01", "DATE_DEBUT": "2021-12-24" } }, "META_COMMUN": { "ID": "LEGIARTI000044563826", "URL": "article/LEGI/ARTI/00/00/44/56/38/LEGIARTI000044563826.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Se reporter aux conditions d'application prévues aux articles 38 et 39 de l’ordonnance n° 2021-1735 du 22 décembre 2021.

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art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000025684172", "@nortexte": "EFIT1135465D", "@numtexte": "2012-471", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-11" }, { "@id": "LEGIARTI000029010989", "@num": "35", "#text": "Ordonnance n°2014-559\n du 30 mai 2014 - art. 35 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000029008408", "@nortexte": "FCPX1406454R", "@numtexte": "2014-559", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2014-05-30" }, { "@id": "LEGIARTI000031529631", "@num": "1", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGIARTI000031529633", "@num": "2", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031528910", "#text": "DÉCRET n°2015-1524 du 25 novembre 2015 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528050", "@nortexte": "FCPT1521861D", "@numtexte": "2015-1524", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031845542", "#text": "Décret n°2016-22 du 14 janvier 2016 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGIARTI000032297602", "@num": "3", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - 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R519-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324573", "@num": "R519-20", "#text": "Code monétaire et financier - art. R519-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324564", "@num": "R519-26", "#text": "Code monétaire et financier - art. R519-26 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324558", "@num": "R519-28", "#text": "Code monétaire et financier - art. R519-28 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324593", "@num": "R519-3", "#text": "Code monétaire et financier - art. R519-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324554", "@num": "R519-30", "#text": "Code monétaire et financier - art. R519-30 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324550", "@num": "R519-31", "#text": "Code monétaire et financier - art. R519-31 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324584", "@num": "R519-4", "#text": "Code monétaire et financier - art. R519-4 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000022423213", "@num": "L139 A", "#text": "Livre des procédures fiscales - art. 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\n

L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

3 bis. Aux sociétés commerciales dont les comptes du dernier exercice clos ont fait l'objet d'une certification par un commissaire aux comptes ou qui ont désigné volontairement un commissaire aux comptes dans les conditions définies au II de l'article L. 823-3 du code de commerce et qui consentent, à titre accessoire à leur activité principale, des prêts à moins de trois ans à des microentreprises, des petites et moyennes entreprises ou à des entreprises de taille intermédiaire avec lesquelles elles entretiennent des liens économiques le justifiant. L'octroi d'un prêt ne peut avoir pour effet d'imposer à un partenaire commercial des délais de paiement ne respectant pas les plafonds légaux définis aux articles L. 441-10 à L. 441-13 du code de commerce. Un décret en Conseil d'Etat fixe les conditions et les limites dans lesquelles ces sociétés peuvent octroyer ces prêts.

Les prêts ainsi accordés sont formalisés dans un contrat de prêt, soumis, selon le cas, aux articles L. 225-38 à L. 225-40 ou aux articles L. 223-19 et L. 223-20 du même code. Le montant des prêts consentis est communiqué dans le rapport de gestion et fait l'objet d'une attestation d'un commissaire aux comptes selon des modalités prévues par décret en Conseil d'Etat.

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

7. A toute personne physique ou morale qui octroie des prêts à des fins de financement participatif en ayant recours au service d'un prestataire de services de financement participatif au sens du règlement (UE) 2020/1503 ou conformément aux dispositions de l'article L. 548-1 et dans la limite d'un prêt par projet. Le taux conventionnel applicable aux crédits onéreux est de nature fixe et ne dépasse pas le taux mentionné à l'article L. 314-6 du code de la consommation sous réserve des dispositions de l'article L. 314-9 du même code ;

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

\n
" } }, "LEGIARTI000048539588": { "META": { "META_SPEC": { "META_ARTICLE": { "NUM": "L511-6", "ETAT": "MODIFIE", "TYPE": "AUTONOME", "DATE_FIN": "2024-04-17", "DATE_DEBUT": "2024-01-01" } }, "META_COMMUN": { "ID": "LEGIARTI000048539588", "URL": "article/LEGI/ARTI/00/00/48/53/95/LEGIARTI000048539588.xml", "NATURE": "Article", "ORIGINE": "LEGI" } }, "NOTA": { "CONTENU": "

Conformément à l’article 32 de l’ordonnance n° 2023-1142, ces dispositions entrent en vigueur le 1er janvier 2024.

" }, "LIENS": { "LIEN": [ { "#text": "Ordonnance n° 2000-1223 du 14 décembre 2000 (V)", "@sens": "source", "@cidtexte": "JORFTEXT000000574489", "@typelien": "CODIFICATION" }, { "@id": "LEGIARTI000006530852", "@num": "5", "#text": "Ordonnance n°2004-823 du 19 août 2004 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000627859", "@nortexte": "ECOX0400157R", "@numtexte": "2004-823", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2004-08-19" }, { "@id": "LEGIARTI000048844747", "@num": "80", "#text": "Loi n° 2005-32 du 18 janvier 2005 - art. 80 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000000806166", "@nortexte": "SOCX0400145L", "@numtexte": "2005-32", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2005-01-18" }, { "@id": "LEGIARTI000021721323", "@num": "19", "#text": "Ordonnance n°2010-76 du 21 janvier 2010 - art. 19 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000021719945", "@nortexte": "ECEX0929065R", "@numtexte": "2010-76", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2010-01-21" }, { "@id": "LEGIARTI000030684595", "@num": "1", "#text": "Arrêté du 26 avril 2010 - 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art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000025684172", "@nortexte": "EFIT1135465D", "@numtexte": "2012-471", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2012-04-11" }, { "@id": "LEGIARTI000029010989", "@num": "35", "#text": "Ordonnance n°2014-559\n du 30 mai 2014 - art. 35 (VD)", "@sens": "cible", "@cidtexte": "JORFTEXT000029008408", "@nortexte": "FCPX1406454R", "@numtexte": "2014-559", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2014-05-30" }, { "@id": "LEGIARTI000031529631", "@num": "1", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 1 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGIARTI000031529633", "@num": "2", "#text": "ARRÊTÉ du 25 novembre 2015 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528200", "@nortexte": "FCPT1521889A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031528910", "#text": "DÉCRET n°2015-1524 du 25 novembre 2015 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031528050", "@nortexte": "FCPT1521861D", "@numtexte": "2015-1524", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2015-11-25" }, { "@id": "LEGITEXT000031845542", "#text": "Décret n°2016-22 du 14 janvier 2016 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000031844708", "@nortexte": "FCPT1518847D", "@numtexte": "2016-22", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2016-01-14" }, { "@id": "LEGIARTI000032297602", "@num": "3", "#text": "Ordonnance n°2016-351 du 25 mars 2016 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000032294277", "@nortexte": "FCPT1520257R", "@numtexte": "2016-351", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2016-03-25" }, { "@id": "LEGIARTI000034105495", "@num": "56", "#text": "LOI n° 2017-256 du 28 février 2017 - art. 56 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000034103762", "@nortexte": "OMEX1617132L", "@numtexte": "2017-256", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2017-02-28" }, { "@id": "LEGITEXT000034447101", "#text": "Décret n°2017-563 du 18 avril 2017 (Ab)", "@sens": "cible", "@cidtexte": "JORFTEXT000034443258", "@nortexte": "ECFT1706358D", "@numtexte": "2017-563", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2017-04-18" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000035720833", "@nortexte": "ECOT1717814R", "@numtexte": "2017-1432", "@typelien": "CONCORDE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000035721859", "@num": "2", "#text": "Ordonnance n°2017-1432 du 4 octobre 2017 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000035720833", "@nortexte": "ECOT1717814R", "@numtexte": "2017-1432", "@typelien": "CITATION", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2017-10-04" }, { "@id": "LEGIARTI000038497563", "@num": "99", "#text": "LOI n°2019-486 du 22 mai 2019 - art. 99 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000038496102", "@nortexte": "ECOT1810669L", "@numtexte": "2019-486", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2019-05-22" }, { "@id": "LEGIARTI000044982926", "@num": "140", "#text": "LOI n° 2019-1479 du 28 décembre 2019 - art. 140 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000039683923", "@nortexte": "CPAX1925229L", "@numtexte": "2019-1479", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2019-12-28" }, { "@id": "LEGIARTI000043059507", "@num": "2", "#text": "Arrêté du 30 août 2020 - art. 2 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGIARTI000043059495", "@num": "3", "#text": "Arrêté du 30 août 2020 - art. 3 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGIARTI000043059531", "@num": "5", "#text": "Arrêté du 30 août 2020 - art. 5 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000043040102", "@nortexte": "LOGL2021348A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2020-08-30" }, { "@id": "LEGITEXT000044521225", "#text": "Décret n°2021-1700 du 17 décembre 2021 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000044516929", "@nortexte": "ECOT2130858D", "@numtexte": "2021-1700", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2021-12-17" }, { "@id": "LEGITEXT000046084823", "#text": "Décret n°2022-1035 du 22 juillet 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGIARTI000046084850", "@num": "1", "#text": "Décret n°2022-1035 du 22 juillet 2022 - art. 1", "@sens": "cible", "@cidtexte": "JORFTEXT000046081405", "@nortexte": "TRER2208329D", "@numtexte": "2022-1035", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2022-07-22" }, { "@id": "LEGITEXT000046818907", "#text": "Arrêté du 21 décembre 2022 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000046807068", "@nortexte": "ENER2236172A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2022-12-21" }, { "@id": "LEGIARTI000048520334", "@num": "31", "#text": "Ordonnance n°2023-1142 du 6 décembre 2023 - art. 31", "@sens": "cible", "@cidtexte": "JORFTEXT000048519395", "@nortexte": "JUSC2327648R", "@numtexte": "2023-1142", "@typelien": "MODIFIE", "@naturetexte": "ORDONNANCE", "@datesignatexte": "2023-12-06" }, { "@id": "LEGIARTI000049419311", "@num": "8", "#text": "LOI n°2024-344 du 15 avril 2024 - art. 8", "@sens": "cible", "@cidtexte": "JORFTEXT000049418388", "@nortexte": "PRMX2331111L", "@numtexte": "2024-344", "@typelien": "CITATION", "@naturetexte": "LOI", "@datesignatexte": "2024-04-15" }, { "@id": "LEGITEXT000049768983", "#text": "Décret n°2024-571 du 20 juin 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGIARTI000049768995", "@num": "2", "#text": "Décret n°2024-571 du 20 juin 2024 - art. 2", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGIARTI000049768997", "@num": "3", "#text": "Décret n°2024-571 du 20 juin 2024 - art. 3", "@sens": "cible", "@cidtexte": "JORFTEXT000049765459", "@nortexte": "TREL2400901D", "@numtexte": "2024-571", "@typelien": "CITATION", "@naturetexte": "DECRET", "@datesignatexte": "2024-06-20" }, { "@id": "LEGITEXT000050175323", "#text": "Arrêté du 3 septembre 2024 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175391", "@num": "12", "#text": "Arrêté du 3 septembre 2024 - art. 12 (V)", "@sens": "cible", "@cidtexte": "JORFTEXT000050174795", "@nortexte": "TREL2421064A", "@typelien": "CITATION", "@naturetexte": "ARRETE", "@datesignatexte": "2024-09-03" }, { "@id": "LEGIARTI000050175363", "@num": "16", "#text": "Arrêté du 3 septembre 2024 - 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L131-85 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006648516", "@num": "L214-1", "#text": "Code monétaire et financier - art. L214-1", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000020179015", "@num": "L214-154", "#text": "Code monétaire et financier - art. L214-154", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027784891", "@num": "L214-168", "#text": "Code monétaire et financier - art. L214-168", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042915235", "@num": "L313-13", "#text": "Code monétaire et financier - art. L313-13 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006652137", "@num": "L313-21-1", "#text": "Code monétaire et financier - art. L313-21-1", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000027805362", "@num": "L313-6", "#text": "Code monétaire et financier - art. L313-6 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000049391715", "@num": "L511-33", "#text": "Code monétaire et financier - art. L511-33 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006654299", "@num": "L511-5", "#text": "Code monétaire et financier - art. L511-5", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000006656620", "@num": "L518-1", "#text": "Code monétaire et financier - art. L518-1", "@sens": "source", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044563888", "@num": "L519-1", "#text": "Code monétaire et financier - art. L519-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000043340673", "@num": "L519-11", "#text": "Code monétaire et financier - art. L519-11 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044563901", "@num": "L519-2", "#text": "Code monétaire et financier - art. L519-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000044564113", "@num": "L548-1", "#text": "Code monétaire et financier - art. L548-1 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050370609", "@num": "L612-2", "#text": "Code monétaire et financier - art. L612-2 (VD)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000050370559", "@num": "L612-20", "#text": "Code monétaire et financier - art. L612-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000042340619", "@num": "L745-1-1", "#text": "Code monétaire et financier - art. 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R518-73 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324581", "@num": "R519-15-2", "#text": "Code monétaire et financier - art. R519-15-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324601", "@num": "R519-2", "#text": "Code monétaire et financier - art. R519-2 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324573", "@num": "R519-20", "#text": "Code monétaire et financier - art. R519-20 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324564", "@num": "R519-26", "#text": "Code monétaire et financier - art. R519-26 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324558", "@num": "R519-28", "#text": "Code monétaire et financier - art. R519-28 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324593", "@num": "R519-3", "#text": "Code monétaire et financier - art. R519-3 (V)", "@sens": "cible", "@cidtexte": "LEGITEXT000006072026", "@typelien": "CITATION", "@naturetexte": "CODE", "@datesignatexte": "2999-01-01" }, { "@id": "LEGIARTI000039324554", "@num": "R519-30", "#text": "Code monétaire et financier - art. 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L'interdiction relative aux opérations de crédit ne s'applique pas :

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

3 bis. Aux sociétés commerciales dont les comptes du dernier exercice clos ont fait l'objet d'une certification par un commissaire aux comptes ou qui ont désigné volontairement un commissaire aux comptes et qui consentent, à titre accessoire à leur activité principale, des prêts à moins de trois ans à des microentreprises, des petites et moyennes entreprises ou à des entreprises de taille intermédiaire avec lesquelles elles entretiennent des liens économiques le justifiant. L'octroi d'un prêt ne peut avoir pour effet d'imposer à un partenaire commercial des délais de paiement ne respectant pas les plafonds légaux définis aux articles L. 441-10 à L. 441-13 du code de commerce. Un décret en Conseil d'Etat fixe les conditions et les limites dans lesquelles ces sociétés peuvent octroyer ces prêts.

Les prêts ainsi accordés sont formalisés dans un contrat de prêt, soumis, selon le cas, aux articles L. 225-38 à L. 225-40 ou aux articles L. 223-19 et L. 223-20 du même code. Le montant des prêts consentis est communiqué dans le rapport de gestion et fait l'objet d'une attestation d'un commissaire aux comptes selon des modalités prévues par décret en Conseil d'Etat.

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

\n
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L'interdiction relative aux opérations de crédit ne s'applique pas :

1° bis Aux organismes sans but lucratif qui consentent, à titre accessoire à leur activité principale, des prêts à d'autres organismes sans but lucratif avec lesquels ils entretiennent des relations étroites, telles que l'adhésion, ou avec lesquels ils participent à un groupement prévu par la loi ou constitué sur une base volontaire.

Afin d'assurer une transparence et une responsabilité accrues, les prêts ainsi accordés font l'objet d'un contrat de prêt approuvé par l'organe de direction de l'organisme. La liste, les conditions et le montant des prêts consentis sont mentionnés dans le rapport de gestion ou d'activité et l'annexe aux comptes annuels.

Un décret en Conseil d'Etat fixe la liste des organismes concernés et définit les conditions, notamment de publicité, et les limites dans lesquelles ces organismes peuvent octroyer ces prêts ;

3. Aux entreprises qui consentent des avances sur salaires ou des prêts de caractère exceptionnel consentis pour des motifs d'ordre social à leurs salariés ;

3 bis. Aux sociétés commerciales dont les comptes du dernier exercice clos ont fait l'objet d'une certification par un commissaire aux comptes ou qui ont désigné volontairement un commissaire aux comptes et qui consentent, à titre accessoire à leur activité principale, des prêts à moins de trois ans à des microentreprises, des petites et moyennes entreprises ou à des entreprises de taille intermédiaire avec lesquelles elles entretiennent des liens économiques le justifiant. L'octroi d'un prêt ne peut avoir pour effet d'imposer à un partenaire commercial des délais de paiement ne respectant pas les plafonds légaux définis aux articles L. 441-10 à L. 441-13 du code de commerce. Un décret en Conseil d'Etat fixe les conditions et les limites dans lesquelles ces sociétés peuvent octroyer ces prêts.

Les prêts ainsi accordés sont formalisés dans un contrat de prêt, soumis, selon le cas, aux articles L. 225-38 à L. 225-40 ou aux articles L. 223-19 et L. 223-20 du même code. Le montant des prêts consentis est communiqué dans le rapport de gestion et fait l'objet d'une attestation d'un commissaire aux comptes selon des modalités prévues par décret en Conseil d'Etat.

Ces associations et fondations ne sont pas autorisées à procéder à l'offre au public d'instruments financiers. Elles peuvent financer leur activité par des ressources empruntées auprès des établissements de crédit, des sociétés de financement et des institutions ou services mentionnés à l'article L. 518-1. Elles peuvent également financer leur activité par des ressources empruntées, à titre gratuit et pour une durée qui ne peut être inférieure à deux ans, auprès de personnes morales autres que celles mentionnées au présent alinéa ou auprès de personnes physiques, dûment avisées des risques encourus.

Les sociétés de tiers-financement vérifient la solvabilité de l'emprunteur à partir d'un nombre suffisant d'informations, y compris des informations fournies par ce dernier à leur demande. Elles consultent le fichier prévu à l'article L. 751-1 du code de la consommation dans les conditions prévues par l'arrêté mentionné à l'article L. 751-6 du même code. Elles indiquent dans leur rapport annuel le montant et les caractéristiques des avances qu'elles consentent au titre de leur activité de tiers-financement et des ressources qu'elles mobilisent à cet effet.

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\n
Le Premier ministre,
Sur le rapport du ministre des finances et des comptes publics,
Vu le code monétaire et financier, notamment ses articles L. 511-6 et R. 518-61 ;
Vu l'avis du comité consultatif de la législation et de la réglementation financières en date du 13 octobre 2015 ;
Le Conseil d'Etat (section des finances) entendu,
Décrète :

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

Fait le 14 janvier 2016.

Manuel Valls

Par le Premier ministre :

Le ministre des finances et des comptes publics,

Michel Sapin

La ministre des outre-mer,

George Pau-Langevin

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