Overview
- From 20 November 2026, overdrafts under €200 and under one month will be treated as consumer credit and will require a solvency assessment.
- Including overdrafts in debt calculations could affect access to other loans, with banks allowed to refuse facilities after the required check.
- Bercy says there is no ban on overdrafts and stresses it has avoided over‑transposition, while France’s ordinance introduces a clear €200 threshold.
- The Economy Minister convenes banks and consumer groups to plan implementation and limit administrative burden, with the ACPR noting many checks already occur.
- The banking federation and Crédit Mutuel warn of heavier workloads and difficulties for households, as fact‑checks note most French MEPs backed the 2023 EU directive.