Date source: 2025-09-16
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Starting November 20, 2026
Consumer Loans: Rules Evolve to Prevent Over-indebtedness Published on September 17, 2025 - Last updated on August 12, 2026 - Service Public / Direction of Legal and Administrative Information (Prime Minister)
To better prevent over-indebtedness, three texts adopted between 2025 and 2026 strengthen the regulation of consumer loans. They extend the rules applicable to certain low-value, short-term, or online loans, and enhance borrower protection. These measures will be applicable as of November 20, 2026.
Image 1 Credits: DimaBerlin - stock.adobe.com
The Ordinance of September 3, 2025 transposes into French law the European Union directive (EU) 2023/2225 concerning consumer credit contracts. It extends the scope of certain protective rules to better prevent over-indebtedness.
The Decree of February 19, 2026 strengthens the transparency of credit offers and the information provided before subscription (total cost of the loan, consequences of non-payment, possible recourse...). It aims to allow borrowers to more easily compare offers.
The Decree of August 1, 2026 strengthens the traceability of solvency analysis and the support for borrowers in difficulty (orientation towards independent support services, facilitated digital procedures, the bank must be able to demonstrate how it evaluated the borrower's situation). These measures aim to better protect the borrower throughout the loan.
The new rules of these three texts, applicable to consumer loan contracts, will enter into force on November 20, 2026, to allow professionals concerned to adapt their clauses and contracts.
Which consumer loans are affected?
The new regulation applies to several types of loans previously partially or entirely exempted:
- loans without any fees or interest, known as