{"id":10167,"date":"2019-10-23T00:00:00","date_gmt":"2019-10-22T22:00:00","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/2019\/10\/23\/info-presse-fbf-clients-fragiles-financierement-une-baisse-reelle-des-frais-dincidents-bancaires\/"},"modified":"2022-01-19T12:39:35","modified_gmt":"2022-01-19T10:39:35","slug":"info-presse-fbf-clients-fragiles-financierement-une-baisse-reelle-des-frais-dincidents-bancaires","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/info-presse-fbf-clients-fragiles-financierement-une-baisse-reelle-des-frais-dincidents-bancaires\/","title":{"rendered":"INFO PRESSE FBF &#8211; Clients fragiles financi\u00e8rement : une baisse r\u00e9elle des frais d\u2019incidents bancaires"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>En&nbsp;<a href=\"https:\/\/fbf.fr\/fr\/communique_de_presse\/les-banques-plafonnent-les-frais-dincidents-de-paiement-pour-les-clients-de-loffre-specifique-clienteles-fragiles\/\">septembre<\/a>&nbsp;et&nbsp;<a href=\"https:\/\/fbf.fr\/fr\/communique_de_presse\/communique-de-presse-les-banques-francaises-sengagent\/\">d\u00e9cembre<\/a>&nbsp;2018, les banques ont pris des engagements forts en faveur des clients fragiles financi\u00e8rement. Ces engagements sont tenus. Ce sont plus de 600 millions d&rsquo;euros par an de pouvoir d&rsquo;achat qui ont \u00e9t\u00e9 r\u00e9inject\u00e9s aupr\u00e8s des Fran\u00e7ais, notamment au titre du plafonnement des frais d&rsquo;incident de paiement. Aucun autre secteur en France n&rsquo;a pris de telles mesures.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis le 1<sup>er<\/sup>&nbsp;f\u00e9vrier 2019, les 3,4 M de clients fragiles financi\u00e8rement, tels que d\u00e9finis par la loi, b\u00e9n\u00e9ficient d&rsquo;un plafonnement mensuel de leurs frais d&rsquo;incidents. Cela a d\u00e9j\u00e0 permis \u00e0 plus d&rsquo;un million de personnes fragiles financi\u00e8rement, qui ont connu des incidents de paiements, de voir leurs frais d&rsquo;incidents r\u00e9duits au 1<sup>er<\/sup>&nbsp;semestre 2019 (ce sont ceux dont les frais d&rsquo;incidents d\u00e9passaient le plafond) : \u00ab Les chiffres recueillis par la Banque de France confirment la baisse des frais d&rsquo;incidents bancaires (&#8230;). Sur le premier semestre 2019, les frais d&rsquo;incidents pour les personnes fragiles qui en payent s&rsquo;\u00e9l\u00e8vent en moyenne \u00e0 17 euros par mois<sup>1<\/sup>&nbsp;\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les instances de contr\u00f4le sont unanimes : les banques ont tenu leurs engagements. L&rsquo;autorit\u00e9 de contr\u00f4le des banques (Autorit\u00e9 de contr\u00f4le prudentiel et de r\u00e9solution &#8211; ACPR) l&rsquo;a v\u00e9rifi\u00e9 lors de contr\u00f4les sp\u00e9cifiques dans les \u00e9tablissements bancaires. L&rsquo;Observatoire de l&rsquo;inclusion bancaire<sup>2<\/sup>, d\u00e8s le mois de mai, a constat\u00e9 \u00ab une forte mobilisation de la profession, pour mettre rapidement en place ce dispositif de plafonnement (&#8230;). Les engagements pris par les banques sont donc appliqu\u00e9s<sup>3<\/sup>&nbsp;\u00bb. Ceci a \u00e9t\u00e9 confirm\u00e9 lors de la&nbsp;<a href=\"https:\/\/www.banque-france.fr\/communique-de-presse\/plafonnement-des-frais-bancaires-en-faveur-des-personnes-en-situation-de-fragilite-financiere\" target=\"_blank\" rel=\"noreferrer noopener\">r\u00e9union de l&rsquo;OIB<\/a>&nbsp;d&rsquo;octobre 2019.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Afin de mettre en place le plafonnement imm\u00e9diat, deux solutions ont \u00e9t\u00e9 d\u00e9ploy\u00e9es en f\u00e9vrier 2019 : soit les frais d&rsquo;incidents sont automatiquement rembours\u00e9s,&nbsp;<em>a posteriori<\/em>, soit ils ne sont pas pr\u00e9lev\u00e9s, solution en cours de g\u00e9n\u00e9ralisation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Enfin, rappelons qu&rsquo;il est recommand\u00e9, en cas de difficult\u00e9, de se rapprocher de son conseiller bancaire voire du service relations clients de sa banque. Un recours au m\u00e9diateur bancaire est \u00e9galement possible.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>1<\/sup>&nbsp;Communiqu\u00e9 de presse Banque de France, 16 octobre 2019,&nbsp;<a href=\"https:\/\/www.banque-france.fr\/communique-de-presse\/plafonnement-des-frais-bancaires-en-faveur-des-personnes-en-situation-de-fragilite-financiere\" target=\"_blank\" rel=\"noreferrer noopener\">Plafonnement des frais bancaires en faveur des personnes en situation de fragilit\u00e9 financi\u00e8re<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>2<\/sup>&nbsp;Observatoire de l&rsquo;inclusion bancaire, instance r\u00e9unissant six repr\u00e9sentants des pouvoirs publics, six repr\u00e9sentants des \u00e9tablissements de cr\u00e9dit et six repr\u00e9sentants des associations de consommateurs, familiales et de lutte contre l&rsquo;exclusion.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><sup>3<\/sup>&nbsp;<a href=\"https:\/\/www.banque-france.fr\/communique-de-presse\/communique-de-presse-de-lobservatoire-de-linclusion-bancaire\" target=\"_blank\" rel=\"noreferrer noopener\">Communiqu\u00e9 de presse OIB<\/a>, 16 mai 2019<\/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>En septembre et d\u00e9cembre 2018, les banques ont pris des engagements forts en faveur des clients fragiles financi\u00e8rement. Ces engagements sont tenus. Ce sont plus de 600 millions d\u2019euros par an de pouvoir d\u2019achat qui ont \u00e9t\u00e9 r\u00e9inject\u00e9s aupr\u00e8s des Fran\u00e7ais, notamment au titre du plafonnement des frais d\u2019incident de paiement. Aucun autre secteur en France n\u2019a pris de telles mesures.<\/p>\n","protected":false},"author":36,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":11972,"viewed_at":"1778494042"},"categories":[1707,3246,3102,1582,1603],"tags":[3291,3406,3273],"class_list":["post-10167","post","type-post","status-publish","format-standard","hentry","category-communiques","category-engagements","category-inclusion-bancaire","category-rubrique-newsroom","category-la-banque-des-particuliers","tag-engagements","tag-inclusion-bancaire","tag-particuliers"],"yoast_head":"<title>INFO PRESSE FBF - Clients fragiles financi\u00e8rement : une baisse r\u00e9elle des frais d\u2019incidents bancaires<\/title>\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\/info-presse-fbf-clients-fragiles-financierement-une-baisse-reelle-des-frais-dincidents-bancaires\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"INFO PRESSE FBF - Clients fragiles financi\u00e8rement : une baisse r\u00e9elle des frais d\u2019incidents bancaires\" \/>\n<meta property=\"og:description\" content=\"En septembre et d\u00e9cembre 2018, les banques ont pris des engagements forts en faveur des clients fragiles financi\u00e8rement. 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