{"id":23029,"date":"2026-04-09T07:44:05","date_gmt":"2026-04-09T07:44:05","guid":{"rendered":"https:\/\/www.babylon.fr\/campus\/?p=23029"},"modified":"2026-04-22T08:17:52","modified_gmt":"2026-04-22T08:17:52","slug":"credit-a-la-consommation-de-nouvelles-obligations-de-formation-une-mise-a-niveau-indispensable-des-parcours","status":"publish","type":"post","link":"https:\/\/www.babylon.fr\/campus\/credit-a-la-consommation-de-nouvelles-obligations-de-formation-une-mise-a-niveau-indispensable-des-parcours\/","title":{"rendered":"Cr\u00e9dit \u00e0 la consommation (DCC2) &#8211; De nouvelles obligations de formation\u00a0: une mise \u00e0 niveau indispensable des parcours."},"content":{"rendered":"\n<p class=\"has-small-font-size wp-block-paragraph\"><img decoding=\"async\" width=\"15\" height=\"15\" class=\"wp-image-7024\" style=\"width: 15px;\" src=\"https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2020\/04\/Fichier-2.png\" alt=\"\"> Lecture 3 min<\/p>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px\">Le cadre r\u00e9glementaire du cr\u00e9dit \u00e0 la consommation conna\u00eet une \u00e9volution majeure avec l\u2019adoption de la directive (UE) 2023\/2225, dont certaines dispositions entreront en application \u00e0 partir du 20 novembre 2026.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px\">Au-del\u00e0 des ajustements juridiques, cette r\u00e9forme marque un tournant : elle renforce significativement les exigences en mati\u00e8re de comp\u00e9tence et de formation des professionnels impliqu\u00e9s dans la commercialisation du cr\u00e9dit.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:17px\">La directive va profond\u00e9ment transformer la commercialisation du cr\u00e9dit \u00e0 la consommation.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"268\" src=\"https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_01-2-1024x268.png\" alt=\"\" class=\"wp-image-23087\" srcset=\"https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_01-2-1024x268.png 1024w, https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_01-2-300x79.png 300w, https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_01-2-768x201.png 768w, https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_01-2-1536x402.png 1536w, https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_01-2-2048x536.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Pour les \u00e9tablissements financiers, les interm\u00e9diaires et les r\u00e9seaux de distribution, c\u2019est d\u00e9sormais une obligation de faire \u00e9voluer leurs pratiques et de renforcer la formation de leurs \u00e9quipes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">La comp\u00e9tence des professionnels devient un enjeu central de conformit\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">La formation n\u2019est plus un \u201c+\u201d : c\u2019est un socle r\u00e9glementaire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Chez Babylon.fr, nous n\u2019avons pas simplement mis \u00e0 jour des contenus \u2014 on a repens\u00e9 les formations en profondeur.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Des exigences renforc\u00e9es sur les comp\u00e9tences des professionnels<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">La directive europ\u00e9enne introduit une exigence claire : les personnels en contact avec les clients doivent disposer d\u2019un niveau appropri\u00e9 de connaissances et de comp\u00e9tences, actualis\u00e9 et v\u00e9rifiable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Cela concerne notamment :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:18px\">Les conseillers bancaires.<\/li>\n\n\n\n<li style=\"font-size:18px\">Les interm\u00e9diaires en op\u00e9rations de banque (IOBSP).<\/li>\n\n\n\n<li style=\"font-size:18px\">Les vendeurs proposant du financement en point de vente.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Les th\u00e9matiques couvertes sont \u00e9largies et approfondies :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:18px\">Caract\u00e9ristiques des produits de cr\u00e9dit.<\/li>\n\n\n\n<li style=\"font-size:18px\">Obligations d\u2019information pr\u00e9contractuelle.<\/li>\n\n\n\n<li style=\"font-size:18px\">\u00c9valuation de la solvabilit\u00e9.<\/li>\n\n\n\n<li style=\"font-size:18px\">Pr\u00e9vention du surendettement.<\/li>\n\n\n\n<li style=\"font-size:18px\">R\u00e8gles de conduite et de protection du consommateur.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">En pratique, cela implique une formalisation accrue des parcours et une tra\u00e7abilit\u00e9 des comp\u00e9tences acquises.<\/p>\n\n\n\n<div style=\"height:11px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"268\" src=\"https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_02_lagarde-4-1024x268.png\" alt=\"\" class=\"wp-image-23084\" srcset=\"https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_02_lagarde-4-1024x268.png 1024w, https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_02_lagarde-4-300x79.png 300w, https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_02_lagarde-4-768x201.png 768w, https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_02_lagarde-4-1536x402.png 1536w, https:\/\/www.babylon.fr\/campus\/wp-content\/uploads\/2026\/04\/blog_art_02_lagarde-4-2048x536.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div style=\"height:11px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<h2 class=\"wp-block-heading\" style=\"font-size:20px\">Une \u00e9volution qui d\u00e9passe la simple mise \u00e0 jour r\u00e9glementaire<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a id=\"_msocom_1\"><\/a><\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Dans ce contexte, Babylon.fr a engag\u00e9 une refonte compl\u00e8te de ses modules d\u00e9di\u00e9s au cr\u00e9dit \u00e0 la consommation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Nos formations ont \u00e9t\u00e9 revues selon des axes structurants :<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Mise \u00e0 jour juridique compl\u00e8te<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Les contenus doivent int\u00e9grer :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:18px\">Les \u00e9volutions issues de la directive 2023\/2225.<\/li>\n\n\n\n<li style=\"font-size:18px\">Les ajustements du cadre national.<\/li>\n\n\n\n<li style=\"font-size:18px\">Les nouvelles attentes des autorit\u00e9s de contr\u00f4le.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"font-size:18px\"><strong>2. Recentrage sur les situations concr\u00e8tes<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">La formation refl\u00e8te d\u00e9sormais les r\u00e9alit\u00e9s terrain :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:18px\">Vente en agence.<\/li>\n\n\n\n<li style=\"font-size:18px\">Parcours digital.<\/li>\n\n\n\n<li style=\"font-size:18px\">Financement en point de vente.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Adaptation \u00e0 des publics hybrides<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Nos parcours sont con\u00e7us pour des profils vari\u00e9s :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:18px\">Conseillers bancaires.<\/li>\n\n\n\n<li style=\"font-size:18px\">Commerciaux non sp\u00e9cialistes du cr\u00e9dit.<\/li>\n\n\n\n<li style=\"font-size:18px\">Interm\u00e9diaires.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Cette refonte ne se limite pas \u00e0 une actualisation r\u00e9glementaire : elle s\u2019inscrit dans une logique de transformation p\u00e9dagogique.<\/p>\n\n\n\n<hr class=\"wp-block-separator alignwide has-text-color has-alpha-channel-opacity has-background is-style-wide\" style=\"background-color:#272a5a;color:#272a5a\"\/>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-8f761849 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-4fc3f8e1 wp-block-group-is-layout-flex\">\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\"><strong>D\u00e9couvrez nos modules li\u00e9s \u00e0 la directive cr\u00e9dit conso (DCC2)<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-buttons is-nowrap is-layout-flex wp-container-core-buttons-is-layout-8f761849 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/www.babylon.fr\/la-banque-au-quotidien\/#creditconso\" style=\"border-top-left-radius:38px;border-top-right-radius:38px;border-bottom-left-radius:38px;border-bottom-right-radius:38px;background-color:#272a5e;font-size:16px;font-style:normal;font-weight:500;text-transform:none\" target=\"_blank\" rel=\"noreferrer noopener\">Modules sur \u00e9tag\u00e8re<\/a><\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:12px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Une conformit\u00e9 \u00ab&nbsp;op\u00e9rationnelle&nbsp;\u00bb&nbsp;: un enjeu strat\u00e9gique pour les acteurs du march\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Notre objectif n\u2019est pas seulement de permettre aux professionnels de \u00ab\u00a0savoir\u00a0\u00bb, mais de savoir-faire en situation :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li style=\"font-size:18px\">Identifier une information obligatoire.<\/li>\n\n\n\n<li style=\"font-size:18px\">S\u00e9curiser une pratique commerciale.<\/li>\n\n\n\n<li style=\"font-size:18px\">\u00c9viter un risque de non-conformit\u00e9.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" style=\"font-size:18px\"><strong>Une anticipation payante<\/strong> <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Au-del\u00e0 de la mont\u00e9e en comp\u00e9tence des \u00e9quipes, nos formations vous permettent d\u2019assurer&nbsp;une s\u00e9curisation de vos pratiques commerciales tout en r\u00e9duisant vos risques juridique et r\u00e9putationnel.<\/p>\n\n\n\n<div style=\"height:21px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">En conclusion<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">La directive (UE) 2023\/2225 marque une \u00e9volution structurante du cr\u00e9dit \u00e0 la consommation, avec un impact direct sur les obligations de formation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Dans ce contexte, la question n\u2019est plus de savoir s\u2019il faut se former, mais COMMENT vous permettez \u00e0 vos \u00e9quipes de le faire.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">Babylon.fr vous offre des contenus enti\u00e8rement actualis\u00e9s, fond\u00e9s sur une p\u00e9dagogie renforc\u00e9e (cas pratiques, mises en situation, quiz cibl\u00e9s) et centr\u00e9s sur une approche op\u00e9rationnelle.<\/p>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<hr class=\"wp-block-separator alignwide has-text-color has-alpha-channel-opacity has-background is-style-wide\" style=\"background-color:#272a5a;color:#272a5a\"\/>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-nowrap is-layout-flex wp-container-core-group-is-layout-65472f6b wp-block-group-is-layout-flex\">\n<h3 class=\"wp-block-heading\">D\u00e9couvrez toute notre offre de formation continue<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"font-size:18px\">DCI 7h, IOBSP 2h\/4h\/6h, la lutte contre la corruption, l\u2019analyse financi\u00e8re, faire face aux incivilit\u00e9s clients, les risques climatiques et environnementaux, RGPD, DORA&#8230;<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-nowrap is-layout-flex wp-container-core-buttons-is-layout-8f761849 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-25\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color has-custom-font-size wp-element-button\" href=\"https:\/\/www.babylon.fr\/campus\/formations\/les-metiers-du-credit-iobsp\/#formationcontinue\" style=\"background-color:#272a5e;font-size:16px;font-style:normal;font-weight:600;text-transform:capitalize\" target=\"_blank\" rel=\"noreferrer noopener\">D\u00e9couvrir<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>2026 va changer les r\u00e8gles du jeu en cr\u00e9dit conso.<br \/>\nLa directive 2023\/2225 ne renforce pas seulement les obligations\u2026 elle transforme la pratique des professionnels.<\/p>\n","protected":false},"author":5,"featured_media":23033,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[107,110,108,109],"class_list":["post-23029","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","tag-credit-conso","tag-dcc2","tag-loi-lagarde","tag-obligations-de-formation","entry","has-media"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dit \u00e0 la consommation (DCC2) - De nouvelles obligations de formation\u00a0: une mise \u00e0 niveau indispensable des parcours. - Le campus de Babylon.fr<\/title>\n<meta name=\"description\" content=\"Cr\u00e9dit \u00e0 la consommation - De nouvelles obligations de formation : une mise \u00e0 niveau indispensable des parcours. 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