{"id":1127,"date":"2023-01-21T10:27:13","date_gmt":"2023-01-21T09:27:13","guid":{"rendered":"https:\/\/blog-banque.ifage.ch\/?p=1127"},"modified":"2023-01-21T10:27:13","modified_gmt":"2023-01-21T09:27:13","slug":"quest-ce-la-lcc","status":"publish","type":"post","link":"https:\/\/blog-banque.ifage.ch\/?p=1127","title":{"rendered":"Qu\u2019est-ce la LCC ?"},"content":{"rendered":"\n<p>La loi sur le cr\u00e9dit&nbsp;\u00e0 la consommation (LCC), du 23 mars 2001, introduit une r\u00e9glementation unifi\u00e9e sur le plan f\u00e9d\u00e9ral et renforce la protection des preneurs de cr\u00e9dit.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.admin.ch\/opc\/fr\/classified-compilation\/20010555\/index.html\">https:\/\/www.admin.ch\/opc\/fr\/classified-compilation\/20010555\/index.html<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-attachment-id=\"1134\" data-permalink=\"https:\/\/blog-banque.ifage.ch\/?attachment_id=1134\" data-orig-file=\"https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/law-books-scaled.jpg?fit=2560%2C1924&amp;ssl=1\" data-orig-size=\"2560,1924\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;6.3&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;FinePix S602 ZOOM&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1069435600&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;11.6&quot;,&quot;iso&quot;:&quot;160&quot;,&quot;shutter_speed&quot;:&quot;2&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"law-books\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/law-books-scaled.jpg?fit=305%2C229&amp;ssl=1\" data-large-file=\"https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/law-books-scaled.jpg?fit=525%2C394&amp;ssl=1\" loading=\"lazy\" width=\"525\" height=\"394\" src=\"https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/law-books.jpg?resize=525%2C394&#038;ssl=1\" alt=\"\" class=\"wp-image-1134\" srcset=\"https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/law-books-scaled.jpg?resize=1025%2C770&amp;ssl=1 1025w, https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/law-books-scaled.jpg?resize=305%2C229&amp;ssl=1 305w, https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/law-books-scaled.jpg?resize=768%2C577&amp;ssl=1 768w, https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/law-books-scaled.jpg?resize=1536%2C1154&amp;ssl=1 1536w, https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/law-books-scaled.jpg?resize=2048%2C1539&amp;ssl=1 2048w\" sizes=\"(max-width: 767px) 89vw, (max-width: 1000px) 54vw, (max-width: 1071px) 543px, 580px\" data-recalc-dims=\"1\" \/><\/figure>\n\n\n\n<p>La loi couvre notamment les points suivants:&nbsp;<\/p>\n\n\n\n<ul><li>les montants dans le champ d\u2019application&nbsp;<\/li><li>l\u2019examen d\u00e9taill\u00e9&nbsp;de la capacit\u00e9 de contracter<\/li><li>le taux maximum<\/li><li>la responsabilit\u00e9 du donneur de cr\u00e9dit<\/li><li>\u2026<\/li><\/ul>\n\n\n\n<p>Depuis la mise \u00e0 jour de la loi au le 1er janvier 2019 les plates-formes de pr\u00eat participatif (Crowdlending)&nbsp;sont \u00e9galement couvertes par la LCC.<\/p>\n\n\n\n<p>Vous aimeriez savoir plus sur les cr\u00e9dits, leurs caract\u00e9ristiques, leurs traitements ? Prochaine formation certificat d\u2019analyste de credit \u00e0 partir du 6 f\u00e9vrier.&nbsp;&nbsp;<a rel=\"noreferrer noopener\" href=\"https:\/\/www.ifage.ch\/formation\/management-administration\/formations-banque\/certificat-danalyste-de-credit-ac\/\" target=\"_blank\">CERTIFICAT D\u2019ANALYSTE DE CR\u00c9DIT (AC)<\/a><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n<div class=\"sharedaddy sd-sharing-enabled\"><div class=\"robots-nocontent sd-block sd-social sd-social-icon sd-sharing\"><h3 class=\"sd-title\">Partager\u00a0:<\/h3><div class=\"sd-content\"><ul><li class=\"share-linkedin\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-linkedin-1127\" class=\"share-linkedin sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=1127&amp;share=linkedin\" target=\"_blank\" title=\"Cliquez pour partager sur LinkedIn\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour partager sur LinkedIn(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-facebook\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-facebook-1127\" class=\"share-facebook sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=1127&amp;share=facebook\" target=\"_blank\" title=\"Cliquez pour partager sur Facebook\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour partager sur Facebook(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-email\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"\" class=\"share-email sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=1127&amp;share=email\" target=\"_blank\" title=\"Cliquez pour envoyer par e-mail \u00e0 un ami\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour envoyer par e-mail \u00e0 un ami(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-end\"><\/li><\/ul><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>La loi sur le cr\u00e9dit&nbsp;\u00e0 la consommation (LCC), du 23 mars 2001, introduit une r\u00e9glementation unifi\u00e9e sur le plan f\u00e9d\u00e9ral et renforce la protection des preneurs de cr\u00e9dit. https:\/\/www.admin.ch\/opc\/fr\/classified-compilation\/20010555\/index.html La loi couvre notamment les points suivants:&nbsp; les montants dans le champ d\u2019application&nbsp; l\u2019examen d\u00e9taill\u00e9&nbsp;de la capacit\u00e9 de contracter le taux maximum la responsabilit\u00e9 du donneur &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/blog-banque.ifage.ch\/?p=1127\" class=\"more-link\">Continuer la lecture<span class=\"screen-reader-text\"> de &laquo;&nbsp;Qu\u2019est-ce la LCC ?&nbsp;&raquo;<\/span><\/a><\/p>\n<div class=\"sharedaddy sd-sharing-enabled\"><div class=\"robots-nocontent sd-block sd-social sd-social-icon sd-sharing\"><h3 class=\"sd-title\">Partager\u00a0:<\/h3><div class=\"sd-content\"><ul><li class=\"share-linkedin\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-linkedin-1127\" class=\"share-linkedin sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=1127&amp;share=linkedin\" target=\"_blank\" title=\"Cliquez pour partager sur LinkedIn\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour partager sur LinkedIn(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-facebook\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"sharing-facebook-1127\" class=\"share-facebook sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=1127&amp;share=facebook\" target=\"_blank\" title=\"Cliquez pour partager sur Facebook\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour partager sur Facebook(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-email\"><a rel=\"nofollow noopener noreferrer\" data-shared=\"\" class=\"share-email sd-button share-icon no-text\" href=\"https:\/\/blog-banque.ifage.ch\/?p=1127&amp;share=email\" target=\"_blank\" title=\"Cliquez pour envoyer par e-mail \u00e0 un ami\"><span><\/span><span class=\"sharing-screen-reader-text\">Cliquez pour envoyer par e-mail \u00e0 un ami(ouvre dans une nouvelle fen\u00eatre)<\/span><\/a><\/li><li class=\"share-end\"><\/li><\/ul><\/div><\/div><\/div>","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"spay_email":"","jetpack_publicize_message":"","jetpack_is_tweetstorm":false},"categories":[3],"tags":[],"jetpack_featured_media_url":"","jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p8sq8B-ib","jetpack-related-posts":[{"id":1137,"url":"https:\/\/blog-banque.ifage.ch\/?p=1137","url_meta":{"origin":1127,"position":0},"title":"Qu\u2019est-ce le Leasing ?","date":"30 janvier 2023","format":false,"excerpt":"Ils s\u2019agit d\u2019une des formes de financement pour l\u2019acquisition d\u2019un bien mobilier Le leasing (de l\u2019anglais\u00a0to lease) signifie\u00a0 c\u00e9dercontre r\u00e9mun\u00e9rationun droit d\u2019usage\u00a0sur des biens de consommation\u00a0durablesou des biens d\u2019investissement (voir cr\u00e9dits commerciaux)\u00a0 Il se caract\u00e9rise par un contrat bail (donc de location) et peut \u00eatre assorti d\u2019une option d\u2019achat \u00e0\u2026","rel":"","context":"Dans &quot;COURS BANCAIRES&quot;","img":{"alt_text":"","src":"https:\/\/i2.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2022\/12\/car-voiture-1.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":909,"url":"https:\/\/blog-banque.ifage.ch\/?p=909","url_meta":{"origin":1127,"position":1},"title":"Obtenir des liquidit\u00e9s via un cr\u00e9dit Lombard?","date":"17 mai 2018","format":false,"excerpt":"Le terme \u00ab Lombard(s) \u00bb vient du Moyen-\u00c2ge et fait r\u00e9f\u00e9rence au service offert par les marchands italiens de la r\u00e9gion du Pi\u00e9mont et de la Lombardie. Cons\u00e9quemment \u00e0 l\u2019expansion \u00e9conomique de l\u2019Occident au XIIe si\u00e8cle, de par leur consid\u00e9rable exp\u00e9rience commerciale, ils ont \u00e9t\u00e9 les premiers \u00e0 pourvoir aux\u2026","rel":"","context":"Dans &quot;COURS BANCAIRES&quot;","img":{"alt_text":"","src":"https:\/\/i1.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2018\/05\/titres.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":997,"url":"https:\/\/blog-banque.ifage.ch\/?p=997","url_meta":{"origin":1127,"position":2},"title":"Les aspects Juridiques des cr\u00e9dits bancaires? Un module du certificat ifage d'analyste de cr\u00e9dit!","date":"4 f\u00e9vrier 2019","format":false,"excerpt":"Les bases de connaissances du cadre juridique des cr\u00e9dits bancaires. A l'issue de cette formation, les participant(e)s seront en mesure : Comprendre la logique des documents bancaires et juridiques Acqu\u00e9rir les r\u00e9flexes pour gestion diligente des dossiers de cr\u00e9dit D\u00e9tecter les risques et identifier les cas non ordinaires Plus d'informations\u2026","rel":"","context":"Dans &quot;COURS BANCAIRES&quot;","img":{"alt_text":"","src":"https:\/\/i0.wp.com\/blog-banque.ifage.ch\/wp-content\/uploads\/2016\/12\/justice-2.jpg?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":796,"url":"https:\/\/blog-banque.ifage.ch\/?p=796","url_meta":{"origin":1127,"position":3},"title":"La ZEK : Une nouvelle banque \u00e0 Gen\u00e8ve? Le gendarme de la FINMA ?...","date":"23 f\u00e9vrier 2018","format":false,"excerpt":"\u00a0 La ZEK c'est ? A. Une nouvelle banque \u00e0 Gen\u00e8ve ? B. Le gendarme de la FINMA ? C. Le Fond Mon\u00e9taire Suisse? D. Une centrale d'information des banques\u00a0? 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Il n'est pas adapt\u00e9 aux grosses structures entrepreneuriales,\u2026","rel":"","context":"Dans &quot;COURS BANCAIRES&quot;","img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/posts\/1127"}],"collection":[{"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1127"}],"version-history":[{"count":9,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/posts\/1127\/revisions"}],"predecessor-version":[{"id":1159,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=\/wp\/v2\/posts\/1127\/revisions\/1159"}],"wp:attachment":[{"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1127"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1127"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog-banque.ifage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1127"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}