Consumer Law – France – July 21/22 – text adopted, application deferred.

  • The Decree No. 2026-643 set at November 20, 2026 the effective date of the regulatory framework reforming consumer credit. Offers issued before that date will be treated as existing contracts. Impact: Lenders and intermediaries must prepare their processes, documents, and management policies in anticipation of this deadline; these rules are not yet in effect.