Question 5260 — banks and financial institutions

Summary

Ms. Céline Thiébault-Martinez calls on the Minister of the Economy, Finance and Industrial and Digital Sovereignty on the worsening of over-indebtedness in France and the lack of transparency on this subject, particularly on the profits generated by banking establishments. According to the Banque de France, the number of filings for overindebtedness increased by 12% over the first ten months of 2024. This worrying increase is largely linked to increasing difficulties for households to meet their current expenses. However, if these figures demonstrate an economic weakening of households, the data remains insufficient to establish a truly effective national policy for preventing over-indebtedness. Faced with this situation, associations have been warning for several years about the opacity surrounding bank charges applied to people in difficulty. THE Updated statistics on the profits made by banks through these fees, particularly in relation to the increase in the number of over-indebted people, remain largely insufficient. In this context, she wishes to know what measures the Government intends to take to ensure better statistical monitoring of over-indebtedness and its financial impact. She also asks him if a thorough investigation into the profits made by banks thanks to the fees applied to over-indebted households is envisaged in order to improve the regulation and transparency of the banking sector on this subject.

Machine translation from French. The official text remains authoritative.

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