{"id":39462,"date":"2026-07-03T22:55:53","date_gmt":"2026-07-03T20:55:53","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?post_type=communique_de_presse&#038;p=39462"},"modified":"2026-07-03T22:55:53","modified_gmt":"2026-07-03T20:55:53","slug":"services-bancaires-de-traitement-des-successions","status":"publish","type":"communique_de_presse","link":"https:\/\/fbf.fr\/fr\/communique_de_presse\/services-bancaires-de-traitement-des-successions\/","title":{"rendered":"Services bancaires de traitement des successions"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>La F\u00e9d\u00e9ration bancaire fran\u00e7aise rappelle que la d\u00e9cision du Conseil constitutionnel du 19 juin 2026 ne remet pas en cause les engagements individuels pris par les banques, notamment au sujet des successions d\u2019enfants mineurs d\u00e9c\u00e9d\u00e9s.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La F\u00e9d\u00e9ration bancaire fran\u00e7aise a pris acte de la d\u00e9cision n\u00b0 2026-1207 QPC du 19 juin 2026 rendue par le Conseil constitutionnel sur la loi du 13 mai 2025 visant \u00e0 r\u00e9duire et \u00e0 encadrer les frais bancaires sur succession. <br>Le Conseil constitutionnel a d\u00e9clar\u00e9 contraires \u00e0 la Constitution les dispositions imposant la gratuit\u00e9 des op\u00e9rations li\u00e9es au r\u00e8glement de certaines successions. Le Conseil constitutionnel a jug\u00e9 que l\u2019interdiction totale de facturation porte une atteinte disproportionn\u00e9e \u00e0 la libert\u00e9 d\u2019entreprendre et \u00e0 la libert\u00e9 contractuelle. <br>Ces op\u00e9rations correspondent \u00e0 un service rendu par la banque dans le cadre du r\u00e8glement des dossiers successoraux, conform\u00e9ment aux obligations l\u00e9gales. Le traitement d&rsquo;une succession n\u00e9cessite des op\u00e9rations importantes pour prot\u00e9ger les ayants-droits telles que le blocage et l&rsquo;arr\u00eat\u00e9 des comptes, les d\u00e9clarations fiscales et notariales, le r\u00e8glement des cr\u00e9dits, l&rsquo;annulation des moyens de paiement, ainsi que des mesures d&rsquo;adaptation des comptes au b\u00e9n\u00e9fice du conjoint survivant.<br><br>Les banques sont pleinement conscientes que le r\u00e8glement d\u2019une succession intervient dans un moment particuli\u00e8rement difficile pour les familles. Elles restent mobilis\u00e9es pour accompagner leurs clients avec attention et humanit\u00e9, tout en assurant les diligences juridiques et op\u00e9rationnelles afin de garantir l\u2019accomplissement des d\u00e9marches n\u00e9cessaires dans un cadre s\u00e9curis\u00e9 pour l\u2019ensemble des parties concern\u00e9es.<\/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 class=\"author__wrapper\"><img decoding=\"async\" class=\"author__portrait\" src=\"https:\/\/fbf.fr\/uploads\/2024\/01\/clara-delmotte.jpg\" alt=\"\"><p class=\"author__name\">Clara DELMOTE<\/p><p class=\"author__contact\">cdelmote@fbf.fr<\/p><p class=\"author__contact\">06.31.06.60.39<\/p><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>La F\u00e9d\u00e9ration bancaire fran\u00e7aise rappelle que la d\u00e9cision du Conseil constitutionnel du 19 juin 2026 ne remet pas en cause les engagements individuels pris par les banques, notamment au sujet des successions d\u2019enfants mineurs d\u00e9c\u00e9d\u00e9s. La F\u00e9d\u00e9ration bancaire fran\u00e7aise a pris acte de la d\u00e9cision n\u00b0 2026-1207 QPC du 19 juin 2026 rendue par le [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":39463,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":"","views":0,"viewed_at":""},"categories":[1585,1707,3348,3321,1582,1603],"tags":[3272,3273],"class_list":["post-39462","communique_de_presse","type-communique_de_presse","status-publish","has-post-thumbnail","hentry","category-actualites","category-communiques","category-industrie-bancaire-francaise","category-mots-cles","category-rubrique-newsroom","category-la-banque-des-particuliers","tag-industrie-bancaire-francaise","tag-particuliers"],"yoast_head":"<title>Services bancaires de traitement des successions - Communiqu\u00e9s de presse - F\u00e9d\u00e9ration bancaire fran\u00e7aise (FBF)<\/title>\n<meta name=\"description\" content=\"La F\u00e9d\u00e9ration bancaire fran\u00e7aise rappelle que la d\u00e9cision du Conseil constitutionnel du 19 juin 2026 ne remet pas en cause les engagements individuels pris par les banques, notamment au sujet des successions d\u2019enfants mineurs d\u00e9c\u00e9d\u00e9s.\" \/>\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\/services-bancaires-de-traitement-des-successions\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Services bancaires de traitement des successions - 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