Consumer credit: assessment of the impacts of the law Lagarde

Within five years, from October 2006 to September 2011, the Bank of France were nearly 1,022,273 records filed with the Debt Commissions, an average of nearly 204,455 cases a year. Trailing 12 months, from October 2010 to September 2011, the caseload is up 6.4%.

Hence the issue of law reform Lagarde on mortgage lending, the consumer credit and the fight against overindebtedness.

But the establishment of this regulatory mechanism has not been neutral for companies to consumer credit.

The High Frequency Trading will not escape regulation

The High Frequency Trading (HFT) has grown considerably in recent years and today represent the AMF according to 90% of orders sent to the market and about 30% of actual transactions in Europe and Further more. The proportions taken by this practice are as worried. While the regulator, after leading an important discussion on these topic proposals currently before the European Parliament that could lead to a new framework for HFT in 2013, French MPs have meanwhile passed a law to tax this type of exchange on February 16.