Question 16606 — banks and financial institutions

Summary

Mr. Arthur Delaporte draws the attention of the Minister of the Economy, Finance and Industrial, Energy and Digital Sovereignty to bank charges linked to account seizures. According to a study published by the National Union of Family Associations (UNAF), more than 20 million account seizures are made each year in France. These procedures give rise to bank charges that are sometimes very high, including when they remain ineffective due to lack of sufficient provision. This situation particularly affects people in financially fragile situations, even though the number of over-indebtedness cases is increasing. The UNAF also notes that customers benefiting from the specific offer intended for vulnerable people may be charged significant seizure fees, despite existing capping mechanisms. In this context, it asks him if the Government intends to regulate the amount of seizure-attribution fees, limit the fees charged in the event of unsuccessful seizure, establish an annual cap on these fees and integrate them into the cap applicable to customers in financially fragile situations.

Machine translation from French. The official text remains authoritative.

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