{"id":3059,"date":"2022-04-05T14:43:38","date_gmt":"2022-04-05T12:43:38","guid":{"rendered":"https:\/\/valluis-avocats.com\/?p=3059"},"modified":"2022-04-19T15:01:29","modified_gmt":"2022-04-19T13:01:29","slug":"declaration-des-contrats-financiers-compatibilite-entre-le-droit-belge-et-le-droit-francais","status":"publish","type":"post","link":"https:\/\/valluis-avocats.com\/index.php\/2022\/04\/05\/declaration-des-contrats-financiers-compatibilite-entre-le-droit-belge-et-le-droit-francais\/","title":{"rendered":"Contrats financiers belges"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3059\" class=\"elementor elementor-3059\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ea57bfb elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"ea57bfb\" data-element_type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-47ce83a\" data-id=\"47ce83a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76f4a3b elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"76f4a3b\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.0 - 21-03-2022 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"6912\" height=\"2304\" src=\"https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Rectangle-PCC.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Rectangle-PCC.png 6912w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Rectangle-PCC-300x100.png 300w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Rectangle-PCC-1024x341.png 1024w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Rectangle-PCC-768x256.png 768w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Rectangle-PCC-1536x512.png 1536w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Rectangle-PCC-2048x683.png 2048w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Rectangle-PCC-1200x400.png 1200w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Rectangle-PCC-1980x660.png 1980w\" sizes=\"(max-width: 6912px) 100vw, 6912px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1568b88 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"1568b88\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"364\" height=\"364\" src=\"https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Carre-PCC.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Carre-PCC.png 364w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Carre-PCC-300x300.png 300w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Carre-PCC-150x150.png 150w\" sizes=\"(max-width: 364px) 100vw, 364px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-086ec28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"086ec28\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f0088ea\" data-id=\"f0088ea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-dfbdb4f elementor-widget elementor-widget-text-editor\" data-id=\"dfbdb4f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.0 - 21-03-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>Nathalie Valluis, Avocat &#8211; Avril 2022<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4f6d83 elementor-widget elementor-widget-image\" data-id=\"a4f6d83\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"580\" height=\"580\" src=\"https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Declaration-des-contrats-financiers-en-Belgique-1024x1024.png\" class=\"attachment-large size-large\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Declaration-des-contrats-financiers-en-Belgique.png 1024w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Declaration-des-contrats-financiers-en-Belgique-300x300.png 300w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Declaration-des-contrats-financiers-en-Belgique-150x150.png 150w, https:\/\/valluis-avocats.com\/wp-content\/uploads\/2022\/04\/Declaration-des-contrats-financiers-en-Belgique-768x768.png 768w\" sizes=\"(max-width: 580px) 100vw, 580px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c61b99 elementor-widget elementor-widget-spacer\" data-id=\"1c61b99\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.0 - 21-03-2022 *\/\n.e-container.e-container--row .elementor-spacer-inner{width:var(--spacer-size)}.e-container.e-container--column .elementor-spacer-inner,.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f4d7981 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f4d7981\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-77c19fc\" data-id=\"77c19fc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2795ef9 elementor-widget elementor-widget-spacer\" data-id=\"2795ef9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-433d593 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"433d593\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.0 - 21-03-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h3 class=\"elementor-heading-title elementor-size-default\">LA NOUVELLE OBLIGATION DES INSTITUTIONS FINANCIERES FRANCAISES<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cd68c9 elementor-widget elementor-widget-spacer\" data-id=\"4cd68c9\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a629ffb elementor-widget elementor-widget-text-editor\" data-id=\"a629ffb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Le 31 janvier 2022, les \u00e9tablissements financiers fran\u00e7ais \u00e9taient potentiellement tenus de remplir une nouvelle obligation d\u00e9clarative vis-\u00e0-vis de la Belgique : soumettre des informations au Point de contact central des comptes et contrats financiers (PCC).<\/p><p>\u00a0<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-1adc044 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1adc044\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-59d5f78\" data-id=\"59d5f78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e36c109 elementor-widget elementor-widget-spacer\" data-id=\"e36c109\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d597c12 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"d597c12\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">QU'EST CE QUE LE PCC ?\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55571ea elementor-widget elementor-widget-spacer\" data-id=\"55571ea\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4930817 elementor-widget elementor-widget-text-editor\" data-id=\"4930817\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Comme l&rsquo;indique le site de la Banque nationale de Belgique (BNB), qui le g\u00e8re (<a href=\"https:\/\/www.nbb.be\/fr\/centrales-des-credits\/point-de-contact-central-des-comptes-et-contrats-financiers-comptes-etrangers\">https:\/\/www.nbb.be\/fr\/centrales-des-credits\/point-de-contact-central-des-comptes-et-contrats-financiers-comptes-etrangers<\/a>), le PCC centralise les donn\u00e9es sur les comptes et les contrats financiers des particuliers et des entreprises en Belgique depuis 2011.<\/p><p>Depuis 2013, il contient \u00e9galement les informations sur les comptes d\u00e9tenus \u00e0 l&rsquo;\u00e9tranger par des r\u00e9sidents belges.<\/p><p>Initialement utilis\u00e9 essentiellement \u00e0 des fins fiscales, son fonctionnement a \u00e9t\u00e9 profond\u00e9ment r\u00e9form\u00e9 en 2018. Il constitue aujourd&rsquo;hui une base de donn\u00e9es dynamique utilis\u00e9e, notamment, dans la lutte contre le blanchiment d&rsquo;argent, contre le financement du terrorisme et la grande criminalit\u00e9 et contre la fraude fiscale.<\/p><p>Il est aliment\u00e9 par :<\/p><ul><li>Les redevables d\u2019informations (\u00e9tablissements de cr\u00e9dit, soci\u00e9t\u00e9s de bourse, compagnies d&rsquo;assurance&#8230;)<\/li><li>Chaque particulier soumis \u00e0 l\u2019imp\u00f4t des personnes physiques en Belgique pour les donn\u00e9es relatives aux comptes qu\u2019il d\u00e9tient \u00e0 l\u2019\u00e9tranger.<\/li><\/ul><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5fc0a22 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5fc0a22\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-21b3155\" data-id=\"21b3155\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cddf2f5 elementor-widget elementor-widget-spacer\" data-id=\"cddf2f5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cea3476 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"cea3476\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">EN QUOI CELA CONCERNE T'IL LA FRANCE ?\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2af2ef1 elementor-widget elementor-widget-spacer\" data-id=\"2af2ef1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5e4674 elementor-widget elementor-widget-text-editor\" data-id=\"b5e4674\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Jusque-l\u00e0, les institutions financi\u00e8res n&rsquo;avaient pas d&rsquo;obligation lorsqu&rsquo;elles n&rsquo;\u00e9taient pas \u00e9tablies en Belgique.<\/p><p>\u00a0<\/p><p>Mais la notion de <em>\u00ab\u00a0contrat conclu \u00e0 distance\u00a0\u00bb <\/em>a \u00e9t\u00e9 r\u00e9cemment pr\u00e9cis\u00e9e. Et cela change profond\u00e9ment la donne. <strong>Tout contrat conclu \u00e0 distance avec un client \u00e9tabli ou domicili\u00e9 en Belgique ou qui y a \u00e9tabli son si\u00e8ge social<\/strong> <strong><span style=\"text-decoration: underline;\">est d\u00e9sormais r\u00e9put\u00e9 \u00eatre conclu en Belgique et doit, \u00e0 ce titre, \u00eatre notifi\u00e9 au PCC<\/span><\/strong> (article 2, 10\u00b0 de la loi PCC).<\/p><p>\u00a0<\/p><p>Un \u00e9tablissement \u00e9tranger actif en Belgique dans le cadre de la libre prestation de services peut donc devenir un \u00ab\u00a0redevable d&rsquo;informations\u00a0\u00bb pour des contrats financiers conclus, par exemple, par voie \u00e9lectronique. <strong>Or la notion de contrat financier inclut, notamment, les comptes titres et les contrats d&rsquo;assurance-vie.<\/strong><\/p><p>\u00a0<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-85762ef elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"85762ef\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-b220431\" data-id=\"b220431\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82571e5 elementor-widget elementor-widget-spacer\" data-id=\"82571e5\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a705d52 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"a705d52\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">UN SUJET TRANSNATIONAL COMPLEXE \n\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-abca8ac elementor-widget elementor-widget-spacer\" data-id=\"abca8ac\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d1813d9 elementor-widget elementor-widget-text-editor\" data-id=\"d1813d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>La nouvelle r\u00e8glementation belge pose (entre autres) une difficult\u00e9 majeure au regard du secret professionnel bancaire pr\u00e9vu par le droit fran\u00e7ais. En l&rsquo;absence de solution, le d\u00e9lai du 31 janvier 2022 n&rsquo;a donc pas pu \u00eatre respect\u00e9 et de s\u00e9rieuses incertitudes demeurent pour la suite. En outre :<\/p><ul><li>Il n&rsquo;est pas certain que cette obligation soit compatible avec les r\u00e8gles europ\u00e9ennes (doublon potentiel avec des d\u00e9clarations nationales d\u00e9j\u00e0 en place et prioritaires).<\/li><li>Il existe des incertitudes sur l&rsquo;interpr\u00e9tation des nouveaux textes belges.<\/li><\/ul><p>La question est \u00e0 suivre de (tr\u00e8s) pr\u00e8s car les enjeux en France comme en Belgique sont r\u00e9els. Les institutions financi\u00e8res pourraient donc rapidement \u00eatre prises en \u00e9tau entre des r\u00e8gles contradictoires et susceptibles de donner lieu, de part et d&rsquo;autre de la fronti\u00e8re, \u00e0 des sanctions.<\/p><p>\u00a0<\/p><p>\u00a0<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2b23384 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2b23384\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e3f1fcd\" data-id=\"e3f1fcd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8469309 elementor-widget elementor-widget-spacer\" data-id=\"8469309\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f318152 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"f318152\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">TEXTES\n\n<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d00c6b4 elementor-widget elementor-widget-spacer\" data-id=\"d00c6b4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9b1cb3 elementor-widget elementor-widget-text-editor\" data-id=\"b9b1cb3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Loi du 27 juin 2021 modifiant la loi PCC du 8 juillet 2018<\/li><li>Arr\u00eat\u00e9 royal du 6 juin 2021 modifiant l\u2019arr\u00eat\u00e9 royal du 7 avril 2017 relatif au fonctionnement du PCC<\/li><li>Loi programme du 20 d\u00e9cembre 2020 &#8211; Titre 2 &#8211; Chapitre 4 -Transmission au point de contact central du solde des comptes bancaires et de paiement et du montant globalis\u00e9 de certains contrats financiers<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Nathalie Valluis, Avocat &#8211; Avril 2022 LA NOUVELLE OBLIGATION DES INSTITUTIONS FINANCIERES FRANCAISES Le 31 janvier 2022, les \u00e9tablissements financiers fran\u00e7ais \u00e9taient potentiellement tenus de remplir une nouvelle obligation d\u00e9clarative vis-\u00e0-vis de la Belgique : soumettre des informations au Point de contact central des comptes et contrats financiers (PCC). QU&rsquo;EST CE QUE LE PCC ? [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":[],"categories":[1,5],"tags":[6],"_links":{"self":[{"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/posts\/3059"}],"collection":[{"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/comments?post=3059"}],"version-history":[{"count":44,"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/posts\/3059\/revisions"}],"predecessor-version":[{"id":3192,"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/posts\/3059\/revisions\/3192"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/media\/3061"}],"wp:attachment":[{"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/media?parent=3059"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/categories?post=3059"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valluis-avocats.com\/index.php\/wp-json\/wp\/v2\/tags?post=3059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}