Bank Fraud: Towards a National Register of Suspicious Accounts?
On March 31, 2025, the National Assembly passed, in a first reading, a draft law:https://www.assemblee-nationale.fr/dyn/17/textes/l17t0082_texte-adopte-provisoire.pdf aimed at strengthening the fight against bank fraud. This initiative follows in particular the ruling of the Court of Cassation on January 15, 2025 (23-15.437):https://www.courdecassation.fr/decision/6787b9b46ab05acc8d83149d, which reaffirmed that a bank fulfilling a payment using the IBAN provided by the user meets its obligations.
What does this law propose? The creation of a centralized file of suspicious bank accounts, maintained by payment service providers (PSPs)…
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