{"id":1164,"date":"2010-04-28T11:39:01","date_gmt":"2010-04-28T09:39:01","guid":{"rendered":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/historique-des-lois-encadrant-le-credit-a-la-consommation-et-la-procedure-de-surendettement"},"modified":"2012-09-06T13:16:37","modified_gmt":"2012-09-06T13:16:37","slug":"historique-des-lois-encadrant-le-credit-a-la-consommation-et-la-procedure-de-surendettement","status":"publish","type":"post","link":"https:\/\/www.toutsurmesfinances.com\/argent\/a\/historique-des-lois-encadrant-le-credit-a-la-consommation-et-la-procedure-de-surendettement","title":{"rendered":"Historique des lois encadrant le cr\u00e9dit \u00e0 la consommation et la proc\u00e9dure de surendettement"},"content":{"rendered":"<\/p>\n

28 D\u00c9CEMBRE 1966<\/strong> – Loi relative \u00e0 l’usure, au d\u00e9marchage et \u00e0 la publicit\u00e9<\/p>\n

10 JANVIER 1978 – Loi Scrivener<\/strong>
> Protection de l’emprunteur (cr\u00e9dit \u00e0 la consommation)
> Instauration du d\u00e9lai de r\u00e9tractation de 7 jours
> Offres pr\u00e9alables de cr\u00e9dit
> Lien entre contrat de vente et cr\u00e9dit<\/p>\n

13 JUILLET 1979 – Loi Scrivener<\/strong>
> Protection de l’emprunteur (cr\u00e9dit immobilier)<\/p>\n

23 JUIN 1989 – Loi Neiertz<\/strong>
> Remboursement anticip\u00e9
> Interdiction de la publicit\u00e9 pour le cr\u00e9dit gratuit<\/p>\n

31 D\u00c9CEMBRE 1989 – Loi Neiertz<\/strong>
> Instauration de la proc\u00e9dure de traitement des situations de surendettement des particuliers (hors dettes professionnelles). Deux phases sont bien distingu\u00e9es : une phase amiable (commissions de surendettement) et une phase judiciaire (devant le juge d’instance jusqu’en 1991 puis devant le juge de l’ex\u00e9cution).
> Cr\u00e9ation du FICP : la dur\u00e9e d’inscription est de 3 ans au maximum pour les incidents de paiement et de 5 ans pour les mesures de surendettement<\/p>\n

1ER AO\u00dbT 2003 – Loi Borloo<\/strong>
> Cr\u00e9ation de la proc\u00e9dure de r\u00e9tablissement personnel aboutissant \u00e0 la vente des biens et \u00e0 l’effacement des dettes
> Les commissions de surendettement sont \u00e9largies : un conseiller en \u00e9conomie sociale et familiale et un juriste assistent aux r\u00e9unions sans voix d\u00e9lib\u00e9rative
> La dur\u00e9e d’inscription au FICP des mesures de surendettement est port\u00e9e \u00e0 10 ans et \u00e0 8 ans dans le cas d’une proc\u00e9dure de r\u00e9tablissement personnel.<\/p>\n

(Source minist\u00e8re de l’\u00c9conomie, de l’industrie et de l’emploi)<\/em><\/p><\/p>\n","protected":false},"excerpt":{"rendered":"

La r\u00e9forme du cr\u00e9dit \u00e0 la consommation engag\u00e9e en 2009 et 2010 n’est que la derni\u00e8re d’une longue s\u00e9rie initi\u00e9e en 1966, le dernier texte \u00e9tant la loi Borloo d’ao\u00fbt 2003 \u00e9largissant les commissions de surendettement et instaurant la proc\u00e9dure de r\u00e9tablissement personnel.<\/p>\n","protected":false},"author":13709,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[],"class_list":["post-1164","post","type-post","status-publish","format-standard","hentry","category-credit"],"acf":[],"yoast_head":"\nHistorique des lois encadrant le cr\u00e9dit \u00e0 la consommation et la proc\u00e9dure de surendettement<\/title>\n<meta name=\"description\" content=\"Historique des lois encadrant le cr\u00e9dit \u00e0 la consommation et la proc\u00e9dure de surendettement\" \/>\n<meta name=\"robots\" content=\"index, follow, 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