Ordinance of 2 December 2025 on Consumer Credit (Corrective)
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This ordinance is a corrective measure amending the earlier ordinance of 3 September 2025 on consumer credit. Its sole purpose is to fix material errors and inaccuracies introduced in that prior text, ensuring a faithful and compliant transposition of the European Directive of 18 October 2023 on consumer credit contracts (CCD2) into French law. The corrections are strictly technical in nature and do not alter the substantive legal regime governing overdraft authorizations, which remains unchanged. No new rights or obligations are introduced beyond what was already mandated by the September 2025 ordinance and the EU directive. The ordinance reflects France's obligation under EU law to accurately implement CCD2, which modernizes and strengthens consumer protections in credit agreements, including clearer pre-contractual information, responsible lending obligations, and enhanced withdrawal rights.
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Key Changes
- Corrects material errors contained in the ordinance of 3 September 2025 on consumer credit — no substantive policy changes introduced
- Ensures faithful transposition of EU Directive 2023/2225 of 18 October 2023 (CCD2) on consumer credit contracts into French law
- Explicitly excludes overdraft authorization regimes from the scope of corrections — their legal framework remains untouched
+ 2 more changes with Pro
Obligations
What this law requires
Accurately implement the European Directive of 18 October 2023 on consumer credit contracts (CCD2) into French law
Provide clearer pre-contractual information to consumers in credit agreements as mandated by CCD2
Implement responsible lending obligations when approving consumer credit contracts
Ensure consumers have enhanced withdrawal rights in accordance with CCD2 requirements
Correct material errors and inaccuracies introduced in the September 2025 ordinance to ensure faithful transposition of CCD2