Question 18897 — overseas

Summary

Mr. Philippe Dunoyer draws the attention of the Minister of the Economy and Finance to the discrimination suffered by overseas residents in terms of access to banking services. An Opinion Way survey carried out by the Interministerial Delegation for Equal Opportunities for French Overseas in June 2013 revealed that access to banking services was cited by 81% of overseas respondents as the area where discrimination is the most. widespread. Article 70 of the programming law of February 28, 2017 relating to real equality overseas and other provisions in social and economic matters, known as the “EROM law”, made bank domiciliation a new criterion of discrimination. However, many people continue to be refused access to a service for the sole reason that their bank account, or that of third parties who act as guarantors, is domiciled overseas. This discrimination can result in the refusal to open a bank account or even to grant a loan, credit or rental deposit. The repetition of refusals of access to credit and housing led the Defender of Rights to issue a general recommendation (Decision of May 24, 2012 MLD 2012-81), in which he recognizes unequal treatment between the practices of establishments of credit, lessors and their intermediaries with regard to residents of France and overseas residents. The Defender of Rights also considered that requiring domiciliation in France to be able to take out an insurance contract constituted discrimination (Decision of March 17, 2016 MLD-2016-003). These practices constitute a barrier to access to housing for overseas residents who come to settle in France, employment and their economic and social integration. He also wishes to know what measures the Government intends to take to put an end to these practices which are openly contrary to the principle of equal treatment between citizens.

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