Consumer Mediation Service: Resolve Disputes with Your Credit Institution Calmly and Efficiently
A disagreement with your bank or credit institution does not have to end in a legal battle. The Federal Consumer Mediation Service gives you access, free of charge, to a structured, neutral and efficient framework to settle your dispute out of court in 2026.
Get your free simulation for Service de MédiationIndependent, confidential and free: discover how the Consumer Mediation Service can support you in case of conflict regarding your credit.
What Is the Consumer Mediation Service?
Since June 1, 2015, a federal mediation service for consumers has been competent, near the SPF Economy, to receive any request for out-of-court settlement of consumer disputes.
This independent body informs you of your rights and obligations and helps you find an amicable solution, especially in case of disagreement with your credit institution.
The service is accessible free of charge and can be contacted by letter, fax, email or in person, without needing a lawyer.
A Structured, Free and Out-of-Court Solution for Consumer Disputes
Before considering going to court, you can turn to the Federal Consumer Mediation Service for an out-of-court settlement of your dispute. This solution is particularly interesting if you are in conflict with a credit institution about a loan, an overdraft, fees charged or the interpretation of a contract. The mediation service acts as a neutral intermediary, listens to both parties and tries to reach a balanced agreement, without imposing a judgment.
The procedure is entirely free for the consumer and is designed to be simple and accessible. From the first contact, a dedicated contact point within the Mediation Service informs you about your rights, your obligations and the existing procedures for out-of-court settlement of consumer disputes. You are therefore not alone: you benefit from clear, structured guidance at every stage of your request.
In 2026, in a context where digital credit processes are increasingly fast and complex, this federal service plays a key role in restoring dialogue and trust between consumers and financial institutions. It allows conflicts to be resolved more quickly, at a lower cost and in a more serene way than legal proceedings.