Question 6402 — banks and financial institutions

Summary

Mr. José Gonzalez draws the attention of the Minister of the Economy, Finance and Industrial and Digital Sovereignty to the practices of La Banque Postale, a banking establishment majority owned by the State, concerning intermediaries in banking operations and payment services (IOBSP). It was brought to the attention of the MP that La Banque Postale would systematically refuse to collaborate with the IOBSP, in rejecting loan files presented through them. This practice raises questions about respect for the principles of free competition and contractual freedom. Indeed, Article L. 420-1 of the Commercial Code prohibits any practice having the purpose or effect of preventing, restricting or distorting competition. In addition, the Ministry of the Economy recalled that banking establishments cannot reject a credit application solely because it is submitted by a broker mandated by the client. In this context, the MP wishes to know what concrete measures the Government intends to take to guarantee that La Banque Postale, the one and only bank owned by the State, respects legal obligations in terms of competition and fair treatment of intermediaries in banking operations and banking services. payment (IOBSP). Because despite its public status, La Banque Postale cannot benefit from any exemption from the principles of free competition guaranteed by the commercial code. It is unthinkable that a state-owned banking establishment is the only one to evade a legal framework that all other market players are required to respect. He asks her for her position on the subject.

Machine translation from French. The official text remains authoritative.

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