Consumer Credit: Key Legal Changes to Protect You in 2026
Consumer credit rules have been significantly strengthened to better protect borrowers and prevent over‑indebtedness. Discover how these legal changes impact your current and future consumer loans, and what you should verify before signing.
From the assessment of your solvency to the way lenders may contact you, every step of the credit process is now more regulated. Understanding these rules helps you compare offers more calmly and choose the financing that truly matches your situation.
Get your free simulation for Crédit à la ConsommationA Safer Framework for Your Consumer Loans
The legislator has profoundly revised the law on consumer credit to reinforce transparency and responsibility in the granting of loans. The objective: reduce the risks of over‑indebtedness while ensuring that each credit is adapted to your real repayment capacity.
Below is an overview of the major measures now in place in 2026 and what they concretely mean for you as a borrower or guarantor.
What Has Changed for Consumer Credit and What You Need to Watch Out For
Lenders and credit intermediaries must now follow strict rules: proof of solvency checks, prohibition of aggressive solicitation, standardized application forms, and reinforced supervision by the authorities. These obligations give you more rights, more information, and more control over your personal loan.
Plan Your Consumer Credit with Confidence in 2026
Take advantage of a strengthened legal framework and expert guidance to choose a consumer credit that fits your budget and your projects. Analyze your solvency, compare conditions, and secure your financing before you commit.