Starting November 20, 2026, France will implement stricter regulations on consumer credit, a move prompted by a 10% increase in over-indebtedness cases in 2025. This decree, transposing a late 2023 European directive, aims to mitigate the risks associated with various credit products, including those under 200 euros, split payments, and lease-purchase agreements. Lenders will be required to provide more detailed information to consumers and consult the national credit repayment incident file (FICP) during solvency assessments. The measure addresses concerns, particularly regarding small-sum loans often used by younger demographics, which the Governor of the Banque de France, François Villeroy de Galhau, has likened to a "soft drug."