Question 12130 — banks and financial institutions

Summary

Mr. Daniel Labaronne questions the Minister of the Economy and Finance about the accumulation of excessive banking fees applied by banks to their fragile customers, which consumer defense associations have been denouncing for a long time. In November 2017, the Minister commissioned a fact-finding mission to the Financial Sector Advisory Committee of which he is a member in order to establish a precise diagnosis and proposals for lead to better control of bank charges. Following the submission of this report in July 2018, the Minister brought together the profession on Monday September 3, 2018 in Bercy. During this meeting, the banks committed to 3 pillars: first, developing specific offers for people in financial difficulties. This offer allows access to minimum banking services at low cost. Second, cap for all beneficiaries of the specific offer at 20 euros per month and 200 euros per year all costs in the event of malfunctions such as the rejection of a direct debit. Third, strengthen prevention among all customers to limit payment incidents. The method is clear and pragmatic. The minister favored negotiation with the banks rather than legislative obligation, especially since the law already includes name and shame measures for banks that do not apply these measures. The results are there and will have the immediate effect of restoring purchasing power to the most financially fragile populations. The Minister's initiative is part of the majority's approach to transforming the social system by making it fairer, more efficient and more universal. He asks him how this historic agreement will be implemented and monitored. He also asks if there are plans to go further within the framework of the Poverty Plan.

Machine translation from French. The official text remains authoritative.

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• Daniel Labaronne · auteur

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