{"id":231,"date":"2018-07-16T09:41:10","date_gmt":"2018-07-16T07:41:10","guid":{"rendered":"http:\/\/www.cabinetvandamme.fr\/?p=231"},"modified":"2018-01-05T09:26:21","modified_gmt":"2018-01-05T08:26:21","slug":"la-loi-lagarde-sur-lassurance-credit","status":"publish","type":"post","link":"https:\/\/www.cabinetvandamme.fr\/la-loi-lagarde-sur-lassurance-credit\/","title":{"rendered":"La loi Lagarde sur l&rsquo;assurance cr\u00e9dit"},"content":{"rendered":"<p>Si certains \u00e9tablissements bancaires et institutions financi\u00e8res exigent la souscription de son client \u00e0 une assurance cr\u00e9dit, cette loi souligne le fait qu&rsquo;il est libre de choisir son contrat. Il peut m\u00eame refuser la proposition d&rsquo;assurance que lui fait son banquier et signer le contrat avec une autre entit\u00e9 pour avoir un meilleur tarif.<br \/>\n<!--more--><\/p>\n<h2>Une libert\u00e9 plus accrue pour l&#8217;emprunteur<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-253\" src=\"http:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-assurance-emprunteur-300x132.jpg\" alt=\"\" width=\"300\" height=\"132\" srcset=\"https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-assurance-emprunteur-300x132.jpg 300w, https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-assurance-emprunteur-768x338.jpg 768w, https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-assurance-emprunteur-1024x450.jpg 1024w, https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-assurance-emprunteur-227x100.jpg 227w, https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-assurance-emprunteur.jpg 1137w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>La loi Lagarde n&rsquo;est autre que la r\u00e9glementation plus connue sous l&rsquo;appellation n\u00b0 2010-737 du 1er juillet 2010 sur la r\u00e9forme du cr\u00e9dit \u00e0 la consommation. Elle comprend plusieurs d\u00e9crets et quelques arr\u00eat\u00e9s et souligne la libert\u00e9 du choix de l&rsquo;assurance cr\u00e9dit ou assurance emprunteur. Il est clairement stipul\u00e9 dans un de ces articles que l&rsquo;organisme pr\u00eateur peut proposer \u00e0 son client une assurance, mais ne peut lui imposer de le prendre. Elle ne peut pas refuser le contrat que son client a choisi tant que comprennent les garanties exig\u00e9es ou \u00e9quivalentes \u00e0 celles propos\u00e9es dans le contrat qu&rsquo;elle propose. En cas de refus, elle devra justifier par \u00e9crit ses raisons. L&rsquo;\u00e9tablissement bancaire ou l&rsquo;institution financi\u00e8re ne peut pas modifier le taux du pr\u00eat propos\u00e9 si son client prend une autre assurance cr\u00e9dit que celle qu&rsquo;elle avance.<\/p>\n<h2>Plus de protection pour le client<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-medium wp-image-254\" src=\"http:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-protection-client-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\" srcset=\"https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-protection-client-300x200.jpg 300w, https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-protection-client-768x513.jpg 768w, https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-protection-client-1024x683.jpg 1024w, https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-protection-client-150x100.jpg 150w, https:\/\/www.cabinetvandamme.fr\/wp-content\/uploads\/2018\/01\/loi-lagarde-assurance-credit-protection-client.jpg 1687w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>Si cette loi offre plus de libert\u00e9 aux consommateurs pour le choix de leur assurance cr\u00e9dit, elle apporte \u00e9galement plus de protection. La loi Lagarde a aussi supprim\u00e9 les p\u00e9nalit\u00e9s lib\u00e9ratoires et a cr\u00e9\u00e9 un comit\u00e9 de pr\u00e9figuration oeuvrant sur la mise en place d&rsquo;un registre national des cr\u00e9dits. Dans les autres arr\u00eat\u00e9s et d\u00e9crets, on peut \u00e9galement lire l&rsquo;encadrement de la publicit\u00e9 des cr\u00e9dits, du taux d&rsquo;usure et des rachats de cr\u00e9dits ainsi que le d\u00e9veloppement du microcr\u00e9dit. Cette r\u00e9glementation pr\u00e9voit \u00e9galement quelques mesures pour limiter la dur\u00e9e des plans de surendettement.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si certains \u00e9tablissements bancaires et institutions financi\u00e8res exigent la souscription de son client \u00e0 une assurance cr\u00e9dit, cette loi souligne le fait qu&rsquo;il est libre de choisir son contrat. Il peut m\u00eame refuser la proposition d&rsquo;assurance que lui fait son banquier et signer le contrat avec une autre entit\u00e9 pour avoir un meilleur tarif.<\/p>\n","protected":false},"author":1,"featured_media":252,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>La loi Lagarde sur l&#039;assurance cr\u00e9dit - www.cabinetvandamme.fr<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cabinetvandamme.fr\/la-loi-lagarde-sur-lassurance-credit\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La loi Lagarde sur l&#039;assurance cr\u00e9dit - www.cabinetvandamme.fr\" \/>\n<meta property=\"og:description\" content=\"Si certains \u00e9tablissements bancaires et institutions financi\u00e8res exigent la souscription de son client \u00e0 une assurance cr\u00e9dit, cette loi souligne le fait qu&rsquo;il est libre de choisir son contrat. 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