{"id":38343,"date":"2025-11-17T11:09:24","date_gmt":"2025-11-17T09:09:24","guid":{"rendered":"https:\/\/www.fbf.fr\/fr\/?p=38343"},"modified":"2025-11-17T11:11:06","modified_gmt":"2025-11-17T09:11:06","slug":"financement-de-la-vie-politique-les-elections-municipales","status":"publish","type":"post","link":"https:\/\/fbf.fr\/fr\/financement-de-la-vie-politique-les-elections-municipales\/","title":{"rendered":"Financement de la vie politique : les \u00e9lections municipales"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La F\u00e9d\u00e9ration bancaire fran\u00e7aise met \u00e0 disposition des candidats aux \u00e9lections municipales et des partis politiques un guide d&rsquo;informations relatives \u00e0 l\u2019ouverture d\u2019un compte bancaire pour la campagne \u00e9lectorale et au financement de la campagne.<br>Pour tout compl\u00e9ment d\u2019information, la F\u00e9d\u00e9ration invite les candidats aux \u00e9lections municipales \u00e0 prendre connaissance du <a rel=\"noreferrer noopener\" href=\"https:\/\/cnccfp.fr\/nouvelle-edition-du-guide-a-lusage-des-candidats-aux-elections-et-de-leur-mandataire\/\" target=\"_blank\">Guide \u00e0 l\u2019usage des candidats aux \u00e9lections et de leur mandataire de la Commission nationale des comptes de campagne et des financements politiques (CNCCFP)<\/a>, ainsi que des documents du minist\u00e8re de l\u2019Int\u00e9rieur : le M\u00e9mento \u00e0 l\u2019usage des candidats et les <a rel=\"noreferrer noopener\" href=\"https:\/\/www.elections.interieur.gouv.fr\/comprendre-elections\/comment-sont-encadrees-campagnes-electorales\/mediateur-du-credit\" target=\"_blank\">fiches pratiques du m\u00e9diateur du cr\u00e9dit aux candidats et aux partis politiques<\/a> (MCCPP).<br><br><strong>L\u2019ouverture d\u2019un compte bancaire pour une campagne \u00e9lectorale<\/strong><br><br>Le code \u00e9lectoral impose aux candidats dans les communes d\u2019au moins 9 000 habitants de d\u00e9signer un mandataire financier et d\u2019inscrire sur un compte bancaire unique l\u2019ensemble des recettes et des d\u00e9penses enregistr\u00e9es pendant une campagne \u00e9lectorale.<br>Les banques participent au bon d\u00e9roulement des campagnes en ouvrant les comptes bancaires aux mandataires financiers des candidats, dans le respect des r\u00e8gles sur la connaissance client, la lutte anti-blanchiment et les Personnes Politiquement Expos\u00e9es (PPE).<br>Le droit au compte pr\u00e9vu par le code \u00e9lectoral assure l\u2019effectivit\u00e9 de l\u2019obligation l\u00e9gale d\u2019ouvrir un compte bancaire ad hoc.<br>Les banques contribuent ainsi \u00e0 la transparence du financement des campagnes \u00e9lectorales et \u00e0 l\u2019\u00e9galit\u00e9 entre les candidats.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le financement d\u2019une campagne \u00e9lectorale<\/strong><br><br>Il n\u2019existe pas de droit au cr\u00e9dit que cette personne physique soit candidate ou non \u00e0 une \u00e9lection.<br>Les banques financent les campagnes \u00e9lectorales via des cr\u00e9dits accord\u00e9s aux candidats personnes physiques en fonction de leur capacit\u00e9 de remboursement personnelle et ce, dans un cadre contraint : dispositions sur la lutte contre le blanchiment et risque d\u2019invalidation des comptes de campagne.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le financement d\u2019un parti politique<\/strong><br><br>Les banques financent les partis politiques via des cr\u00e9dits, en fonction de leur capacit\u00e9 de remboursement et dans un cadre contraint (dispositions sur la lutte contre le blanchiment et risque d\u2019invalidation des comptes de campagne).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En pratique : bon \u00e0 savoir sur la demande de cr\u00e9dit<\/strong><br><br>Les banques pratiquent le \u00ab pr\u00eat responsable \u00bb : elles v\u00e9rifient, au cas par cas, la solvabilit\u00e9 de chaque candidat ou parti politique demandeur de cr\u00e9dit, c\u2019est-\u00e0-dire sa capacit\u00e9 de remboursement, comme pour tout emprunteur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&rsquo;annexe est consacr\u00e9e aux personnes politiquement expos\u00e9es.<\/p>\n\n\n<div class=\"postAttachment\"><div class=\"postAttachment__wrapper\"><div class=\"postAttachment__info\"><p class=\"postAttachment__name\">Financement de la vie politique &#8211; \u00c9lections municipales (PDF)<\/p><p class=\"postAttachment__fileSize\">261,3 Ko<\/p><\/div><a class=\"postActions__action postActions__action--big clickEvent postAttachement_link\" data-wp-interactive=\"fbf\/tracking\" data-wp-context=\"{&quot;category&quot;:&quot;file&quot;,&quot;action&quot;:&quot;download&quot;,&quot;label&quot;:&quot;Financement de la vie politique - \u00c9lections municipales (PDF)&quot;}\" data-wp-on--click=\"actions.push\" data-eventcategory=\"file\" data-eventaction=\"download\" data-eventlabel=\"Financement de la vie politique - \u00c9lections municipales (PDF)\" href=\"https:\/\/fbf.fr\/uploads\/2025\/11\/Financement-de-la-vie-politique-elections-municipales.pdf\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"postActions__label\">T\u00e9l\u00e9charger Financement de la vie politique &#8211; \u00c9lections municipales (PDF)<\/span><svg role=\"presentation\" class=\"postActions__icon\" width=\"14\"><use href=\"#download\" xlink:href=\"#download\"\/><\/svg><\/a><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>La F\u00e9d\u00e9ration bancaire fran\u00e7aise met \u00e0 disposition des candidats aux \u00e9lections municipales et des partis politiques un guide d&rsquo;informations relatives \u00e0 l\u2019ouverture d\u2019un compte bancaire pour la campagne \u00e9lectorale et au financement de la campagne.Pour tout compl\u00e9ment d\u2019information, la F\u00e9d\u00e9ration invite les candidats aux \u00e9lections municipales \u00e0 prendre connaissance du Guide \u00e0 l\u2019usage des candidats [&hellip;]<\/p>\n","protected":false},"author":36,"featured_media":38347,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","views":11208,"viewed_at":"1778494715"},"categories":[1585,3403,3346,3348,1586,3321,1582,1],"tags":[3272],"class_list":["post-38343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-autres-publications","category-rubrique-bibliotheque","category-industrie-bancaire-francaise","category-la-federation-bancaire-francaise","category-mots-cles","category-rubrique-newsroom","category-uncategorized","tag-industrie-bancaire-francaise"],"yoast_head":"<title>Financement de la vie politique : les \u00e9lections municipales - 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