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The new European rules resulting from Directive 2014/49/EU of 16 April 2014 on deposit guarantee schemes (DGSD2) and from Directive 2014/59/EU of 15 May 2014 (BRDR) establishing a framework for the recovery and resolution of credit institutions and investment firms were transposed into French law with the publication of Order 2015-1024 of 20 August 2015 containing various provisions for adapting legislation to European Union financial law. The measures of the BRRD directive aim to prevent the occurrence of bank crises and, where applicable, to effectively manage such crises so as to limit their impact on the banking and financial sector and on the economy in general.
The rules relating to the deposit guarantee scheme and the operation of the FGDR were laid down in five implementing decrees signed on 27 October 2015. These texts describe the new measures relating to notification of depositors covered by the deposit guarantee scheme, implementation of the deposit guarantee scheme, the reduction of the compensation period from 20 to 7 working days and the rules for the application of Article L-312-4-1 of the Monetary and Financial Code (rights of depositors, products covered, compensation procedure, relationship between the failed institution and the FGDR, etc.).
→ Click here to download the updated FGDR brochure containing the new laws and regulations.
As a reminder, these laws and regulations are authoritative.
The official texts can be downloaded on this website in the Document Database section > Official Texts, "Legal and Regulatory Texts" tab.
Last content update date: 11/2019.