Banking Lawyers in Lyon
Managing your deposit accounts, analysing your loan agreements, dealing with a case of fraud: the fields of banking law are as numerous as they are technical.
#MUSE AVOCATS: a group of lawyers specialising in banking law
We are a group of lawyers with expertise in a wide range of areas. We have been brought together by a 100% independent online platform.
You'll benefit from all the expertise you're looking for, with a real-time monitoring of your cases
and a direct contact with your lawyer without intermediaries.
#Independence
#Expertise
#Confidentiality
Bank loans
Home loans, earmarked loans, revolving loans, business loans, overdrafts... Complex contracts that require expert analysis.
Bank charges
Incorrect application of pricing conditions or failure to provide proof of commission charged may result in a refund.
Fraud
As numerous as they are varied, fraud techniques are being perfected to stay one step ahead of the devices that are supposed to secure your means of payment.
MUSE AVOCATS
Initial consultation refunded*
Bonds, pledges, mortgages and other guarantees
The law on bank guarantees requires a seasoned eye to detect the many breaches that lenders can be held liable for.
Cryptocurrencies, NFT
A vast area of the economy and finance that is poorly regulated, with new players, often from abroad, generating increased risks of fraud.
Bank loans
Loan regulations are based on a set of laws that combine common contract law and banking law.
Several factors must be carefully considered. Firstly, lenders have an obligation to provide adequate warnings, information and advice before granting a loan.
Next, it is important to check whether the loan complies with various requirements relating to the TEG or TAEG, the application of rates, usury and the impact of currency fluctuations.
Constant vigilance is required during the execution of the loan contract. The main concern here is non-compliance with the repayment schedule and the risk of default.
You should react immediately to request an adjustment to the repayment terms (suspension, rescheduling) in order to avoid having to repay the capital in its entirety, in addition to incurring heavy penalties.
Bank charges
Financial institutions provide three main types of service: deposit accounts (current and savings accounts), loans and means of payment (Article L. 311-1 of Code Monétaire et Financier).
Financial institutions set charges for these services, which may be referred to by various names, such as interest, agios, fees or commissions.
Some charges are determined freely by terms while others are strictly regulated by law.
By checking compliance with both the contractual clauses and the pricing conditions, we can sometimes identify abusive practices or even unjustified charges.
You may then request a refund.
Fraud
In France, payment fraud generates an estimated average of €1.3 billion in embezzlement every year.
Cheques are the most commonly misappropriated means of payment, followed by bank cards and then transfers.
Users must ensure that the security features of their payment methods, such as confidential codes and identifiers, are kept secure and should never disclose them to any third party, even if that third party is acting on behalf of a bank.
However, financial institutions' security systems are not foolproof:
exceeding authorised limits for a given type of transaction
inconsistency of transactions (amount, beneficiary, foreign payment)
exploitation of IT failures (unknown IP address, failure to suspend means of payment in advance)
Consult our decisions in banking law, and assert your rights to be reimbursed for fraudulent transactions on your accounts.
Surety bonds, pledges, mortgages, etc.
The most important guarantee associated with loan contracts is the surety bond, which is contracted for more than 80% of loans.
Defending the Guarantor's rights involves a series of increasingly numerous and technical control points, some of which have been refined by the Order of 16 September 2021, in force since 1 January 2022:
exception(s)
disproportionality
failure to warn
irregularities
failure to inform
early repayment, etc.
In addition to this main guarantee, there are other ways of protecting the lender, such as pledging receivables, pledging company shares, pledging a goodwill, pledging an account, pledging a mortgage, and so on.
Each guarantee is subject to its own strict formalities and rules, requiring legal oversight from negotiation to conclusion and execution.
Cryptocurrencies & NFT
Cryptocurrencies were developed in the 2010s.
There are now more than 5,000 cryptoassets, worth $2031 billion*.
The number of scams and frauds linked to cryptocurrencies is constantly rising.
In 2021, worldwide, the total amount of petty theft jumped by +600 % to a total of $10.5 billion in losses, compared with $1.5 billion in 2020.
Neither the European Union nor the Member States have provided a comprehensive legal framework for these currencies or their trade.
While the cryptocurrency market is booming, increasingly convincing scams are being developed and are now facing legal uncertainties regarding which regime to apply.
Liability claims may be brought.
*(in May 2021)
FAQs
Frequently Asked Questions
The following is a selection of the most frequently asked questions. Whether you require further information, please use the contact form or the chat module at the bottom of the page.
Qu'est-ce qu'un collectif d'avocats, et en quoi diffère-t-il d'un cabinet traditionnel ?
Un collectif réunit des avocats indépendants qui mettent leurs compétences en commun, chacun maître de sa matière, sans la lourdeur d'une grande structure.
Vous conservez un interlocuteur unique, tout en bénéficiant en coulisses de l'ensemble des expertises.
Là où un avocat isolé doit parfois vous réorienter, le Collectif MUSE traite votre dossier de bout en bout.
Dans quels domaines le Collectif MUSE intervient-il ?
En conseil comme en contentieux : droit commercial et baux commerciaux, droit bancaire, droit immobilier et de la construction, droit fiscal, droit pénal, droit de la famille et du patrimoine.
Chaque matière dispose de sa page dédiée, dont vous pouvez prendre connaissance en cliquant dans la barre de menu qui figure en-tête.
Mon litige relève de plusieurs matières : comment est-il pris en charge ?
C'est la vocation même d'un collectif. Un contentieux entre associés mêle droit des sociétés, commercial et fiscalité ; un dossier immobilier croise construction, baux et patrimoine.
Vous confiez le tout à un Avocat référent qui mobilise autour de lui les compétences utiles et ses associés : un seul dossier, une seule stratégie.
Comment saurai-je quel avocat sera mon interlocuteur ?
Dès l'ouverture du dossier, un avocat référent vous est désigné selon la dominante de votre affaire.
Il reste votre interlocuteur tout du long et coordonne, au besoin, ses associés avec qui vous pourrez échanger à votre convenance.
Comment être certain de confier mon dossier au bon avocat ?
C'est l'objet de la première consultation : exposer votre situation, pièces à l'appui, pour identifier la matière concernée et la stratégie adaptée.
Si votre dossier appelle une autre compétence, nous vous orientons en interne, sans démarche supplémentaire de votre part.
Le Collectif intervient-il hors de Lyon, et à l'international ?
Établis à Lyon, nous intervenons dans toute la région Auvergne-Rhône-Alpes et partout en France.
Nos outils numériques nous permettent d'accompagner une clientèle éloignée ou internationale — notamment anglophone, en Suisse, au Royaume-Uni, aux États-Unis ou au Canada.
La distance n'est plus un obstacle.
#MUSE AVOCATS
Your law firm in Lyon. We welcome you to one of our offices in Lyon. We can also handle all your requests online, whenever you need and wherever you are. Say Hello to digital law!
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Find your lawyer in Lyon and the Auvergne - Rhône-Alpes region: commercial law (commercial leasecourt, commercial court, etc.), real estateWe can advise you on a wide range of legal issues, including criminal law, insurance law and construction law. Assists you and advises you on your business. Carries property auctionshandles both insurance and banking litigation. Intervenes to recover your unpaid rent on your business premises. Appears before the Court of First Instance or the Commercial Court for any represented.
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