Amendement 5 — art. 3

Dispositif :

    Compléter l'alinéa 5 par les mots :
    « dans un délai raisonnable fixé par voie règlementaire ».

Exposé sommaire :

    Le présent amendement a pour objet de fixer un délai raisonnable de remboursement aux banques.
    En effet, le risque est élevé de voir les organismes bancaires de jouer sur le temps et le moral des usagers et clients, afin de décourager les tentatives de récupération des sommes indûment perçues.
    Ces sommes doivent être rapidement récupérées par les clients pour faire face à leurs charges.

Sort : Rejeté | Déposé le 05/12/2025
Source : https://www.assemblee-nationale.fr/dyn/opendata/AMANR5L17PO838901BTC2196P0D1N000005.xml

Co-authored-by: Emmanuel Blairy <PA720668@deputes.angit.example>
Co-authored-by: Lionel Tivoli <PA793298@deputes.angit.example>
Co-authored-by: Romain Tonussi <PA840781@deputes.angit.example>
Co-authored-by: Antoine Villedieu <PA794946@deputes.angit.example>
Co-authored-by: Frédéric-Pierre Vos <PA841575@deputes.angit.example>
Co-authored-by: Serge Muller <PA793696@deputes.angit.example>
Co-authored-by: Philippe Schreck <PA796050@deputes.angit.example>
Co-authored-by: Anne Sicard <PA842255@deputes.angit.example>
Co-authored-by: Emmanuel Taché <PA793382@deputes.angit.example>
Co-authored-by: Jean-Philippe Tanguy <PA795778@deputes.angit.example>
Co-authored-by: Michaël Taverne <PA794502@deputes.angit.example>
Co-authored-by: Thierry Tesson <PA841553@deputes.angit.example>
Co-authored-by: Yaël Ménaché <PA795786@deputes.angit.example>
Co-authored-by: Laurence Robert-Dehault <PA794442@deputes.angit.example>
Co-authored-by: Béatrice Roullaud <PA795410@deputes.angit.example>
Co-authored-by: Sophie-Laurence Roy <PA842097@deputes.angit.example>
Co-authored-by: Anaïs Sabatini <PA794894@deputes.angit.example>
Co-authored-by: Alexandre Sabatou <PA794570@deputes.angit.example>
Co-authored-by: Emeric Salmon <PA794954@deputes.angit.example>
Co-authored-by: Lisette Pollet <PA793656@deputes.angit.example>
Co-authored-by: Stéphane Rambaud <PA795966@deputes.angit.example>
Co-authored-by: Angélique Ranc <PA793230@deputes.angit.example>
Co-authored-by: Julien Rancoule <PA793254@deputes.angit.example>
Co-authored-by: Matthias Renault <PA841955@deputes.angit.example>
Co-authored-by: Catherine Rimbert <PA841981@deputes.angit.example>
Co-authored-by: Thomas Ménagé <PA794322@deputes.angit.example>
Co-authored-by: Julien Odoul <PA795552@deputes.angit.example>
Co-authored-by: Caroline Parmentier <PA794670@deputes.angit.example>
Co-authored-by: Thierry Perez <PA841199@deputes.angit.example>
Co-authored-by: Kévin Pfeffer <PA794582@deputes.angit.example>
Co-authored-by: Sophie Blanc <PA794886@deputes.angit.example>
Co-authored-by: Député PA793314 <PA793314@deputes.angit.example>
Co-authored-by: Député PA793330 <PA793330@deputes.angit.example>
Co-authored-by: Kévin Mauvieux <PA793616@deputes.angit.example>
Co-authored-by: Nicolas Meizonnet <PA719436@deputes.angit.example>
Co-authored-by: Pierre Meurin <PA793852@deputes.angit.example>
Co-authored-by: Thibaut Monnier <PA840915@deputes.angit.example>
Co-authored-by: David Magnier <PA841587@deputes.angit.example>
Co-authored-by: Claire Marais-Beuil <PA841563@deputes.angit.example>
Co-authored-by: Matthieu Marchio <PA794530@deputes.angit.example>
Co-authored-by: Pascal Markowsky <PA840837@deputes.angit.example>
Co-authored-by: Michèle Martinez <PA794770@deputes.angit.example>
Co-authored-by: Patrice Martin <PA841825@deputes.angit.example>
Co-authored-by: Jordan Guitton <PA793218@deputes.angit.example>
Co-authored-by: Alexis Jolly <PA794030@deputes.angit.example>
Co-authored-by: René Lioret <PA840967@deputes.angit.example>
Co-authored-by: Christine Loir <PA793672@deputes.angit.example>
Co-authored-by: Député PA793904 <PA793904@deputes.angit.example>
Co-authored-by: Marie-France Lorho <PA721932@deputes.angit.example>
Co-authored-by: Alexandre Loubet <PA794590@deputes.angit.example>
Co-authored-by: Philippe Lottiaux <PA795974@deputes.angit.example>
Co-authored-by: Marine Le Pen <PA720614@deputes.angit.example>
Co-authored-by: Julie Lechanteux <PA796026@deputes.angit.example>
Co-authored-by: Nadine Lechon <PA840857@deputes.angit.example>
Co-authored-by: Gisèle Lelouis <PA793290@deputes.angit.example>
Co-authored-by: Katiana Levavasseur <PA793608@deputes.angit.example>
Co-authored-by: Julien Limongi <PA841873@deputes.angit.example>
Co-authored-by: Tiffany Joncour <PA841749@deputes.angit.example>
Co-authored-by: Sylvie Josserand <PA841075@deputes.angit.example>
Co-authored-by: Florence Joubert <PA840869@deputes.angit.example>
Co-authored-by: Hélène Laporte <PA794354@deputes.angit.example>
Co-authored-by: Laure Lavalette <PA795912@deputes.angit.example>
Co-authored-by: Robert Le Bourgeois <PA841837@deputes.angit.example>
Co-authored-by: Marine Hamelet <PA795900@deputes.angit.example>
Co-authored-by: Timothée Houssin <PA793632@deputes.angit.example>
Co-authored-by: Sébastien Humbert <PA842085@deputes.angit.example>
Co-authored-by: Laurent Jacobelli <PA794598@deputes.angit.example>
Co-authored-by: Pascal Jenft <PA841439@deputes.angit.example>
Co-authored-by: Frédéric Boccaletti <PA796042@deputes.angit.example>
Co-authored-by: Aurélien Dutremble <PA841761@deputes.angit.example>
Co-authored-by: José Gonzalez <PA793362@deputes.angit.example>
Co-authored-by: Florence Goulet <PA794418@deputes.angit.example>
Co-authored-by: Géraldine Grangier <PA793592@deputes.angit.example>
Co-authored-by: Monique Griseti <PA840757@deputes.angit.example>
Co-authored-by: Julien Guibert <PA841451@deputes.angit.example>
Co-authored-by: Michel Guiniot <PA794734@deputes.angit.example>
Co-authored-by: Stéphanie Galzy <PA793892@deputes.angit.example>
Co-authored-by: Jonathan Gery <PA841737@deputes.angit.example>
Co-authored-by: Frank Giletti <PA796034@deputes.angit.example>
Co-authored-by: Yoann Gillet <PA793832@deputes.angit.example>
Co-authored-by: Christian Girard <PA793102@deputes.angit.example>
Co-authored-by: Antoine Golliot <PA841605@deputes.angit.example>
Co-authored-by: Auguste Evrard <PA841621@deputes.angit.example>
Co-authored-by: Frédéric Falcon <PA793246@deputes.angit.example>
Co-authored-by: Guillaume Florquin <PA840143@deputes.angit.example>
Co-authored-by: Emmanuel Fouquart <PA840801@deputes.angit.example>
Co-authored-by: Julien Gabarron <PA841139@deputes.angit.example>
Co-authored-by: Thierry Frappé <PA794678@deputes.angit.example>
Co-authored-by: Frédéric Weber <PA841479@deputes.angit.example>
Co-authored-by: Edwige Diaz <PA793928@deputes.angit.example>
Co-authored-by: Sandrine Dogor-Such <PA794762@deputes.angit.example>
Co-authored-by: Alexandre Dufosset <PA840135@deputes.angit.example>
Co-authored-by: Nicolas Dragon <PA793146@deputes.angit.example>
Co-authored-by: Gaëtan Dussausaye <PA842073@deputes.angit.example>
Co-authored-by: Caroline Colombier <PA793548@deputes.angit.example>
Co-authored-by: Nathalie Da Conceicao Carvalho <PA795644@deputes.angit.example>
Co-authored-by: Marc de Fleurian <PA841613@deputes.angit.example>
Co-authored-by: Hervé de Lépinau <PA642988@deputes.angit.example>
Co-authored-by: Sandra Delannoy <PA840119@deputes.angit.example>
Co-authored-by: Jocelyn Dessigny <PA793166@deputes.angit.example>
Co-authored-by: Jorys Bovet <PA793182@deputes.angit.example>
Co-authored-by: Jérôme Buisson <PA793134@deputes.angit.example>
Co-authored-by: Eddy Casterman <PA840075@deputes.angit.example>
Co-authored-by: Sébastien Chenu <PA720468@deputes.angit.example>
Co-authored-by: Roger Chudeau <PA794198@deputes.angit.example>
Co-authored-by: Bruno Clavet <PA840159@deputes.angit.example>
Co-authored-by: Député PA793844 <PA793844@deputes.angit.example>
Co-authored-by: Anthony Boulogne <PA841487@deputes.angit.example>
Co-authored-by: Manon Bouquin <PA841131@deputes.angit.example>
Co-authored-by: Franck Allisio <PA793432@deputes.angit.example>
Co-authored-by: Maxime Amblard <PA841495@deputes.angit.example>
Co-authored-by: Bénédicte Auzanot <PA796118@deputes.angit.example>
Co-authored-by: Philippe Ballard <PA794562@deputes.angit.example>
Co-authored-by: Romain Baubry <PA793374@deputes.angit.example>
Co-authored-by: José Beaurain <PA793158@deputes.angit.example>
Co-authored-by: Christophe Bentz <PA794434@deputes.angit.example>
Co-authored-by: Théo Bernhardt <PA841645@deputes.angit.example>
Co-authored-by: Guillaume Bigot <PA842001@deputes.angit.example>
Co-authored-by: Bruno Bilde <PA720822@deputes.angit.example>
Co-authored-by: Anchya Bamana <PA842279@deputes.angit.example>
Co-authored-by: Député PA793238 <PA793238@deputes.angit.example>
Co-authored-by: Joëlle Mélin <PA793354@deputes.angit.example>
Groupe: RN
Angit-Diff: auto

articles/article-03.md

@@ -8,7 +8,7 @@ Le code monétaire et financier est ainsi modifié :
 
 « Les établissements de crédit qui exercent leur activité dans ces collectivités participent chaque année à une réunion présidée par le représentant de l'État en présence de l'Institut d'émission des départements d'outre‑mer, des parlementaires élus dans la collectivité concernée et des associations de consommateurs, afin de définir ensemble les mesures nécessaires au plafonnement des tarifs mentionnés au premier alinéa du présent article.
 
-« L'Autorité de contrôle prudentiel et de résolution contrôle le respect des obligations mentionnées au même premier alinéa dans les conditions prévues à l'article L. 612‑1 et enjoint systématiquement aux établissements de crédits de rembourser aux clients les sommes indûment perçues.
+« L'Autorité de contrôle prudentiel et de résolution contrôle le respect des obligations mentionnées au même premier alinéa dans les conditions prévues à l'article L. 612‑1 et enjoint systématiquement aux établissements de crédits de rembourser aux clients les sommes indûment perçues dans un délai raisonnable fixé par voie règlementaire.
 
 « Le présent article s'applique sans préjudice des sanctions pénales ou civiles auxquelles l'établissement peut être exposé. »