trade businesses and distribution want a census of all loans taken by the French
For Jerome Bedier, president of the Federation of Commercial and distribution, it lacks a key element in the current bill on the reform of consumer credit, the "file positive ".
"We can not ask the lender to incur liability if it does not have access to reliable information," he added.
The government introduced in mid-April a bill governing the consumer credit, used by one third of French households. He supervises advertising, imposing mandatory and distribution, with the withdrawal period of 7-14 days, an obligation on credit institutions to consult the file of payment incidents.
This Text is accused of evading certain questions as positive file, banks and some consumer associations such CLCV and UFC-Que Choisir are being opposed. "Several consumer groups directly involved in the records of indebtedness are, like us, favor", but reminded Mr. Bedier. This is the case for example of Croesus (Regional Chamber of debt capital), an association of support for people in serious debt.
Secretary of State for Consumer Affairs Luc Chatel, opposed end of April to the implementation establishment of such a device, saying "whether to implement the positive file, should file 14 million households, that is to say 100% of French households for only 3% of households that are now distressed. "
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