{"id":25059,"date":"2011-03-16T15:06:59","date_gmt":"2011-03-16T14:06:59","guid":{"rendered":"http:\/\/www.autopromopro.com\/?p=25059"},"modified":"2011-04-05T18:19:43","modified_gmt":"2011-04-05T17:19:43","slug":"reforme-du-credit-conso-le-calendrier-de-mise-en-oeuvre","status":"publish","type":"post","link":"https:\/\/www.autopromopro.com\/articles\/2011\/03\/16\/reforme-du-credit-conso-le-calendrier-de-mise-en-oeuvre\/","title":{"rendered":"R\u00e9forme du cr\u00e9dit conso, le calendrier de mise en \u0153uvre"},"content":{"rendered":"<p style=\"text-align: justify\">Depuis le 1<sup>er<\/sup> septembre 2010, la r\u00e9forme du cr\u00e9dit \u00e0 la consommation est en partie entr\u00e9e en application, avec les nouvelles r\u00e8gles concernant la publicit\u00e9 sur le cr\u00e9dit. De m\u00eame les mesures sur le FICP et le surendettement sont entr\u00e9es en vigueur d\u00e8s le 1<sup>er<\/sup> novembre 2010. Le reste des nouvelles dispositions sur le cr\u00e9dit interviendra en 2011, en deux \u00e9tapes. Au 1<sup>er<\/sup> avril 2011, les modifications concernant le taux d\u2019usure applicable. Puis au 1<sup>er<\/sup> mai 2011, toute une s\u00e9rie de mesures prendront effet\u00a0:<\/p>\n<p style=\"text-align: justify\">\n<ul style=\"text-align: justify\">\n<li>L\u2019extension du champ d\u2019application du contrat de cr\u00e9dit \u00e0 la consommation de 21\u00a0500 euros \u00e0 75\u00a0000 euros\u00a0;<\/li>\n<li>L\u2019obligation de former les vendeurs\u00a0;<\/li>\n<li>L\u2019obligation d\u2019informer l\u2019emprunteur (par le biais d\u2019une fiche d\u2019information pr\u00e9contractuelle et contractuelle)\u00a0;<\/li>\n<li>La mise en place des seuils en mati\u00e8re de <a href=\"http:\/\/www.finadea.fr\/\">rachats de cr\u00e9dits<\/a> ;<\/li>\n<li>Le renforcement des obligations et responsabilit\u00e9s du pr\u00eateur (avec l\u2019obligation d\u2019une \u00e9tude de solvabilit\u00e9 du client)\u00a0;<\/li>\n<li>Le contenu et l\u2019ex\u00e9cution du contrat de cr\u00e9dit (d\u00e9lai de r\u00e9tractation, remboursement anticip\u00e9, TAEG\u2026)\u00a0;<\/li>\n<\/ul>\n<p style=\"text-align: justify\">L\u2019encadrement du cr\u00e9dit renouvelable.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Publi\u00e9e au Journal Officiel en ao\u00fbt 2010, la r\u00e9forme du cr\u00e9dit fait intervenir de nombreux changements dans le fonctionnement des cr\u00e9dits \u00e0 la consommation et des proc\u00e9dures de surendettement. Petit rappel concernant le calendrier de ces modifications.<\/p>\n","protected":false},"author":1795,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[8144,75,13149,1163,59,5938],"class_list":["post-25059","post","type-post","status-publish","format-standard","hentry","category-actualite","tag-calendrier","tag-credit-travaux","tag-finadea","tag-finance","tag-rachat-de-credit","tag-regroupement-de-credit"],"_links":{"self":[{"href":"https:\/\/www.autopromopro.com\/articles\/wp-json\/wp\/v2\/posts\/25059","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.autopromopro.com\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.autopromopro.com\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.autopromopro.com\/articles\/wp-json\/wp\/v2\/users\/1795"}],"replies":[{"embeddable":true,"href":"https:\/\/www.autopromopro.com\/articles\/wp-json\/wp\/v2\/comments?post=25059"}],"version-history":[{"count":0,"href":"https:\/\/www.autopromopro.com\/articles\/wp-json\/wp\/v2\/posts\/25059\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.autopromopro.com\/articles\/wp-json\/wp\/v2\/media?parent=25059"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.autopromopro.com\/articles\/wp-json\/wp\/v2\/categories?post=25059"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.autopromopro.com\/articles\/wp-json\/wp\/v2\/tags?post=25059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}