{"id":1542,"date":"2019-01-02T19:19:21","date_gmt":"2019-01-02T18:19:21","guid":{"rendered":"https:\/\/www.bazacle-solon.eu\/fr\/?p=1542"},"modified":"2026-10-18T16:23:56","modified_gmt":"2026-10-18T14:23:56","slug":"intermediaires-de-credit-carte-de-credit-co-brandee-exercice-non-autorise-de-lactivite","status":"publish","type":"post","link":"https:\/\/bankinglaw.be\/en\/intermediaires-de-credit-carte-de-credit-co-brandee-exercice-non-autorise-de-lactivite\/","title":{"rendered":"Interm\u00e9diaires de cr\u00e9dit \u2013 carte de cr\u00e9dit co-brand\u00e9e &#8211; exercice non-autoris\u00e9 de l\u2019activit\u00e9"},"content":{"rendered":"<p>Dans le cadre d\u2019un programme de fid\u00e9lit\u00e9 de voyageurs lanc\u00e9 par plusieurs compagnies a\u00e9riennes, ces derni\u00e8res ont lanc\u00e9, en partenariat avec un \u00e9tablissement de cr\u00e9dit belge, une carte de cr\u00e9dit \u00ab\u00a0co-brand\u00e9e\u00a0\u00bb (le nom de la banque ainsi que de la compagnie a\u00e9rienne y figurent) permettant au consommateur d\u2019accumuler des \u00ab\u00a0miles\u00a0\u00bb de fid\u00e9lit\u00e9. La r\u00e9glementation relative au cr\u00e9dit \u00e0 la consommation est d\u2019application.<\/p>\n<p>Les sites web des compagnies a\u00e9riennes mentionnaient leur intervention en tant que \u00ab\u00a0<em>interm\u00e9diaire \/ agent de cr\u00e9dit\u00a0\u00bb<\/em>.<\/p>\n<p>Or, les compagnies ne disposaient pas de l\u2019agr\u00e9ment d\u2019interm\u00e9diaire de cr\u00e9dit requis par le livre VII du Code de droit \u00e9conomique, principalement en ses articles VII.166 et VII.184\u00a0: un agr\u00e9ment <em>ad hoc<\/em> est n\u00e9cessaire, tandis qu\u2019il est interdit aux \u00e9tablissements de cr\u00e9dit de recourir aux services d\u2019un interm\u00e9diaire en cr\u00e9dit non agr\u00e9\u00e9.<\/p>\n<p>Apr\u00e8s enqu\u00eate de la FSMA, un r\u00e8glement transactionnel a \u00e9t\u00e9 convenu entre les parties, pr\u00e9voyant le paiement d\u2019un montant de 75.000,00 EUR et une publication nominative sur le site web de la FSMA.<\/p>\n<p>Le texte int\u00e9gral du r\u00e8glement transactionnel est consultable (uniquement en n\u00e9erlandais) ici\u00a0: <a href=\"https:\/\/www.fsma.be\/sites\/default\/files\/public\/content\/NL\/Sancties\/2018-12-04_minnelijkeschikking.pdf\">https:\/\/www.fsma.be\/sites\/default\/files\/public\/content\/NL\/Sancties\/2018-12-04_minnelijkeschikking.pdf<\/a><\/p>\n<p>Voir \u00e9galement : <a href=\"https:\/\/bankinglaw.be\/blog-2\/champ-application-personnes-credit-hypothecaire\/\">champ d&#8217;application<\/a> de la<a href=\"https:\/\/bankinglaw.be\/2016\/11\/30\/reforme-2016-du-credit-hypothecaire-en-belgique\/\"> loi relative au cr\u00e9dit hypoth\u00e9caire<\/a>, <a href=\"https:\/\/bankinglaw.be\/blog-2\/contrat-accessoire-credit\/\">services li\u00e9s<\/a><\/p>\n<p><!-- SM --><\/p>\n<div class=\"maillage-sm\">\n<h3>On the same topic<\/h3>\n<ul>\n<li><a href=\"https:\/\/bankinglaw.be\/en\/guide-bank-credit-suretyship-belgium\/\">Bank credit and suretyship in Belgium: granting, termination, early repayment and guarantees<\/a><\/li>\n<li><a href=\"https:\/\/bankinglaw.be\/en\/phishing-bank-liability-client-age-perception\/\">Phishing, Internet Fraud and Bank Liability: Do the Client&#8217;s Age and Perception Matter?<\/a><\/li>\n<li><a href=\"https:\/\/bankinglaw.be\/en\/bank-not-automatic-insurer-phishing-cassation\/\">The Bank Is Not an Automatic Insurer Against Phishing<\/a><\/li>\n<li><a href=\"https:\/\/bankinglaw.be\/en\/phishing-fraudulent-use-payment-instruments-belgium\/\">Phishing and Fraudulent Use of Payment Instruments<\/a><\/li>\n<li><a href=\"https:\/\/bankinglaw.be\/en\/phishing-recent-case-law-belgium\/\">Phishing: Where Recent Belgian Case Law Now Stands<\/a><\/li>\n<li><a href=\"https:\/\/bankinglaw.be\/en\/banking-phishing-is-the-bank-the-temporary-financier-of-uncertainty\/\">Banking Phishing: Is the Bank the Temporary Financier of Uncertainty?<\/a><\/li>\n<\/ul>\n<\/div>\n<p><!-- \/SM --><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dans le cadre d\u2019un programme de fid\u00e9lit\u00e9 de voyageurs lanc\u00e9 par plusieurs compagnies a\u00e9riennes, ces derni\u00e8res ont lanc\u00e9, en partenariat avec un \u00e9tablissement de cr\u00e9dit belge, une carte de cr\u00e9dit \u00ab co-brand\u00e9e \u00bb (le nom de la banque ainsi que de la compagnie a\u00e9rienne y figurent) permettant au consommateur d\u2019accumuler des \u00ab miles \u00bb de fid\u00e9lit\u00e9. La r\u00e9glementation relative au cr\u00e9dit \u00e0 la consommation est d\u2019application.<\/p>\n","protected":false},"author":185562167,"featured_media":2669,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","advanced_seo_description":"Dans le cadre d\u2019un programme de fid\u00e9lit\u00e9 de voyageurs lanc\u00e9 par plusieurs compagnies a\u00e9riennes, ces derni\u00e8res ont lanc\u00e9, en partenariat avec un\u2026","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_seo_schema_type":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[11430064,11430070],"tags":[],"class_list":["post-1542","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credits","category-services-de-paiement","clear","fallback-thumbnail"],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pbYDZD-oS","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/bankinglaw.be\/wp-content\/uploads\/2019\/01\/ecommerce-2140603_1920.jpg?fit=1920%2C822&ssl=1","_links":{"self":[{"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/posts\/1542","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/users\/185562167"}],"replies":[{"embeddable":true,"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/comments?post=1542"}],"version-history":[{"count":7,"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/posts\/1542\/revisions"}],"predecessor-version":[{"id":11106,"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/posts\/1542\/revisions\/11106"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/media\/2669"}],"wp:attachment":[{"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/media?parent=1542"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/categories?post=1542"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bankinglaw.be\/en\/wp-json\/wp\/v2\/tags?post=1542"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}