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Amendement 187 — art. 2 #569

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Sylvie Ferrer
6f370d4a39 Amendement 187 — art. 2 
⚠ Dispositif non applicable automatiquement (alinéa 146 introuvable (supprimé ou réécrit ?)) — le texte ci-dessous fait foi.

Dispositif :

    Supprimer l'alinéa 146.

Exposé sommaire :

    Par cet amendement, les député.es du groupe LFI-NFP proposent de supprimer l'habilitation donnée au Gouvernement lui permettant de transposer par voie d'ordonnance la directive (UE) 2023/2225 du Parlement européen et du Conseil du 18 octobre 2023 relative aux contrats de crédit aux consommateurs.
    La réforme du droit français du crédit à la consommation par le truchement de la directive susmentionnée soulève des interrogations propres à la protection du consommateur. En effet, l'évaluation de la solvabilité prévue par la directive fait peser le risque aux ménages les plus fragiles de ne plus pouvoir avoir recours aux paiements fractionnés et mini crédits dès lors qu'ils sont inscrits au Fichier national des incidents de remboursement des crédits aux particuliers (FICP).
    De même, le droit européen prévoit de garantir un service indépendant de conseil aux personnes endettées sans en spécifier les conditions précises. La nature des structures de conseil est sujette à faire l'objet d'arbitrages décisifs.
    En vertu de ces éléments et de la possibilité légale de repousser la transposition de la directive 2023/2225, les député.es du groupe LFI-NFP souhaitent que la procédure législative ordinaire soit préférée à la procédure d'ordonnance afin de garantir un débat ouvert d'importance au sein de la représentation nationale.
    Cet amendement a été travaillé avec la Chambre Régionale du Surendettement Social (CRÉSUS).

Sort : Rejeté | Déposé le 17/01/2025
Source : https://www.assemblee-nationale.fr/dyn/opendata/AMANR5L17PO838901BTC0631P0D1N000187.xml

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 2025-01-17 12:00:00 +02:00