{"id":35280,"date":"2024-01-15T16:40:25","date_gmt":"2024-01-15T14:40:25","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?post_type=communique_de_presse&#038;p=35280"},"modified":"2024-01-15T16:47:41","modified_gmt":"2024-01-15T14:47:41","slug":"reaction-de-la-fbf-au-rapport-du-ccsf-sur-lapplication-de-la-loi-lemoine","status":"publish","type":"communique_de_presse","link":"https:\/\/fbf.fr\/fr\/communique_de_presse\/reaction-de-la-fbf-au-rapport-du-ccsf-sur-lapplication-de-la-loi-lemoine\/","title":{"rendered":"R\u00e9action de la FBF au rapport du CCSF sur l\u2019application de la Loi Lemoine"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">L\u2019application de la loi relative \u00e0 l\u2019assurance emprunteur est encore r\u00e9cente et s\u2019est d\u00e9roul\u00e9e dans un march\u00e9 immobilier en forte transition.<br>Le rapport du Comit\u00e9 consultatif du secteur financier (CCSF) \u00e9labor\u00e9 dans ce contexte particulier nous semble complet dans ses conclusions. Le rapport \u00e9quilibr\u00e9, comme en t\u00e9moigne son adoption \u00e0 l\u2019unanimit\u00e9 par le CCSF, conclut \u00e0 un bilan positif de l\u2019application de la loi Lemoine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La profession bancaire partage l\u2019analyse que le cadre permet aux emprunteurs de faire jouer pleinement la concurrence. Le rapport montre ainsi les effets directs recherch\u00e9s par le l\u00e9gislateur : une plus forte demande de r\u00e9siliation et la poursuite de la baisse des conditions tarifaires pour les segments de clients les plus jeunes et les plus favoris\u00e9s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une analyse \u00e0 moyen terme sera n\u00e9cessaire pour \u00e9valuer les impacts, durables mais non visibles \u00e0 ce stade, sur le march\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>d\u2019une part, de la plus forte mutualisation impos\u00e9e aux op\u00e9rateurs, via l\u2019acceptation des dossiers sans questionnaires de sant\u00e9 ;<\/li><li>d\u2019autre part, du d\u00e9part des meilleurs profils de risque des contrats aujourd\u2019hui les plus mutualis\u00e9s.<\/li><\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">La profession bancaire prend note des propositions d\u2019am\u00e9lioration op\u00e9rationnelle formul\u00e9es pour le traitement des demandes de substitution et contribuera, le cas \u00e9ch\u00e9ant, utilement aux travaux du CCSF.<\/p>\n\n\n<div class=\"author\"><div class=\"author__wrapper\"><img decoding=\"async\" class=\"author__portrait\" src=\"https:\/\/fbf.fr\/uploads\/2020\/09\/1578231572559.jpg\" alt=\"\"><p class=\"author__name\">Beno\u00eet DANTON<\/p><p class=\"author__contact\">bdanton@fbf.fr<\/p><p class=\"author__contact\">06.73.48.80.40<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>L\u2019application de la loi relative \u00e0 l\u2019assurance emprunteur est encore r\u00e9cente et s\u2019est d\u00e9roul\u00e9e dans un march\u00e9 immobilier en forte transition.Le rapport du Comit\u00e9 consultatif du secteur financier (CCSF) \u00e9labor\u00e9 dans ce contexte particulier nous semble complet dans ses conclusions. Le rapport \u00e9quilibr\u00e9, comme en t\u00e9moigne son adoption \u00e0 l\u2019unanimit\u00e9 par le CCSF, conclut \u00e0 [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":35281,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","views":6313,"viewed_at":"1778494670"},"categories":[1707,3350,3348,3321,1582],"tags":[3276,3272],"class_list":["post-35280","communique_de_presse","type-communique_de_presse","status-publish","has-post-thumbnail","hentry","category-communiques","category-credits","category-industrie-bancaire-francaise","category-mots-cles","category-rubrique-newsroom","tag-credits","tag-industrie-bancaire-francaise"],"yoast_head":"<title>R\u00e9action de la FBF au rapport du CCSF sur l\u2019application de la Loi Lemoine - Communiqu\u00e9s de presse - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)<\/title>\n<meta name=\"description\" content=\"Le rapport \u00e9quilibr\u00e9, comme en t\u00e9moigne son adoption \u00e0 l\u2019unanimit\u00e9 par le Comit\u00e9 consultatif du secteur financier, conclut \u00e0 un bilan positif de l\u2019application de la loi Lemoine.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fbf.fr\/fr\/communique_de_presse\/reaction-de-la-fbf-au-rapport-du-ccsf-sur-lapplication-de-la-loi-lemoine\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"R\u00e9action de la FBF au rapport du CCSF sur l\u2019application de la Loi Lemoine - 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