[{"link":"https://www.lemoci.com/actualites/actualites/ue-mercosur-ce-qui-change-au-1er-mai/","title":"UE – Mercosur : ce qui change au 1er mai","description":"L'accord commercial Union européenne - Mercosur, bloc commercial sud-américain regroupant l'Argentine, le Brésil, le Paraguay et l'Uruguay, entre en vigueur le 1er mai à titre transitoire. Il ne faut pas s'attendre à une vague commerciale immédiate car si certains secteurs bénéficient d'un droit de douane à 0 % d'entrée, la baisse sera très progressive pour […] Cet article UE – Mercosur : ce qui change au 1er mai est apparu en premier sur Le Moci","id":2855266},{"description":"Elixir Aircraft : Le constructeur français d’avions biplaces de 4e génération franchit une étape majeure en débutant ses premières livraisons aux États-Unis. Trois appareils seront réceptionnés par les écoles de pilotage Cirrus Aviation et Sierra Charlie Aviation, avant de voler vers le salon d’Oshkosh. Avec près de 300 précommandes sur le marché nord-américain, l’entreprise s’y […] Cet article Entreprises, en bref : Elixir Aircraft, MND, Kardham, Drone Volt, Safran est apparu en premier sur Le Moci","id":2855267,"link":"https://www.lemoci.com/actualites/breves/entreprises-en-bref-elixir-aircraft-mnd-kardham-drone-volt-safran/","title":"Entreprises, en bref : Elixir Aircraft, MND, Kardham, Drone Volt, Safran"},{"link":"https://www.oec-paris.fr/actualites/supexpertise-reconnue-par-letat/","title":"Actualités de l’Ordre Formation publié le 29/04/2026 Sup’Expertise reconnue par l’Etat Une avancée majeure pour notre profession","description":"Il n'y a aucun résultat Actualités de l’Ordre Formation publié le 29/04/2026 Sup’Expertise reconnue par l’Etat Une avancée majeure pour notre profession Actualités de l’Ordre publié le 17/04/2026 Bonne nouvelle : Allo Impôt fait son grand retour ! 🎉 Pendant 6 jours, les contribuables partout en France pourront profiter gratuitement des conseils d’experts-comptables bénévoles en appelant le 0 8000 65432. Accélérateur de startups INNEST publié le 10/04/2026 INNEST lance sa 7e promotion ! Quatre startups innovantes rejoignent l’accélérateur de l’Ordre des experts-comptables franciliens pour transformer les usages et renforcer l’innovation au cœur des cabinets. Actualités de l’Ordre publié le 17/03/2026 📸 Retour sur la 6ᵉ édition du Business Game post-bac La Maison du Chiffre francilienne a réuni 190 élèves issus de 25 établissements d’Île-de-France à l’occasion du Business Game organisé avec OPTIGEST Business Games. Actualités de l’Ordre publié le 20/02/2026 Découvrez Concil Expert ! Litige entre un expert-comptable et son client, ou entre confrères ? Actualités de l’Ordre publié le 05/02/2026 Succès confirmé pour la 5ème édition du Business Game pré-bac Le 2 février, la Maison du chiffre francilienne a accueilli la cinquième édition du Business Game pré-bac, une compétition organisée par la commission Attractivité de l’Ordre. Actualités de l’Ordre Magazine Francilien publié le 02/02/2026 Le nouveau numéro du Francilien est en ligne Le dernier numéro du Francilien, le magazine trimestriel de l’Ordre des experts-comptables franciliens, est désormais disponible. Fidèle à sa vocation d’information et d’accompagnement des professionnels, cette nouvelle édition aborde des thématiques clés qui font l’actualité de la profession et éclairent ses évolutions. Actualités de l’Ordre publié le 29/01/2026 Election du nouveau Président de l’Ordre Le Conseil de l’ordre des experts-comptables a élu son nouveau Président le 22 janvier 2026. Gilles Bösiger succède à Virginie Roitman qui était Présidente depuis 2022. Actualités de l’Ordre publié le 14/01/2026 Retour sur la soirée de décryptage de la Loi de finances Pour la deuxième année consécutive, la loi de finances n’a pas encore été adoptée à cette date. Un contexte particulier qui n’a pas empêché près de 1 200 participants de se mobiliser pour ce rendez-vous désormais incontournable. Actualités de l’Ordre publié le 12/01/2026 Make it easy : retour sur la soirée de remise des bourses à la Maison du chiffre Le jeudi 8 janvier, l’Ordre des experts-comptables Paris Île-de-France, la CRCC de Paris et la CRCC de Versailles et du Centre ont accueilli les lauréats du dispositif Make it easy au 50 rue de Londres. À cette occasion, les lauréats du programme ont été réunis pour une soirée conviviale célébrant leur parcours, leur ambition et l’égalité des chances. Actualités de l’Ordre publié le 31/12/2025 Bonne année 2026 Meilleurs vœux à tous pour une année prospère et épanouissante Actualités de l’Ordre publié le 22/12/2025 2025 en chiffres : une année placée sous le signe de l’engagement et du partage Alors que l’année 2025 touche","id":2855206},{"id":2855201,"description":"Nous avons sélectionné pour vous les derniers arrêts les plus marquants mis en ligne sur le site de la Cour de","link":"https://open.lefebvre-dalloz.fr/actualites/droit-social/semaine-jurisprudence-sociale-cour-cassation_f630f1af7-8799-4e2a-9fe1-ac9fba63fb59","title":"Une semaine de jurisprudence sociale à la Cour de cassation"},{"link":"https://entreprendre.service-public.gouv.fr/actualites/A18204","title":"CFE : il est temps de demander une exonération ou de signaler une modification","id":2855144},{"link":"https://entreprendre.service-public.gouv.fr/actualites/A17554","title":"Nouvelles conditions d'accès au Registre des bénéficiaires effectifs","id":2855145},{"id":2855146,"link":"https://entreprendre.service-public.gouv.fr/actualites/A18179","title":"Solde de la taxe d'apprentissage : quand déclarer et payer ?"},{"description":"Suite à la hausse prolongée des carburants, le Gouvernement a annoncé plusieurs dispositifs pour aider les entreprises et les salariés \"gros rouleurs\". Voici le","id":2855118,"link":"https://www.gerantdesarl.com/actualite/aides-carburant","title":"Hausse du carburant : de nouvelles aides pour les entreprises et salariés"},{"id":2855119,"description":"Plus rapide, sans intervention d'un juge et accessible aux TPE-PME... L’Assemblée nationale a définitivement adopté une nouvelle procédure simplifiée de recouvrement des créances commerciales impayées. Voici comment","link":"https://www.gerantdesarl.com/actualite/vers-une-procedure-express-de-recouvrement-de-vos-creances-commerciales","title":"Une nouvelle procédure express de recouvrement de vos créances commerciales"},{"link":"http://veille.artisanat.fr/dossier_thematique/politiques-publiques-en-faveur-de-l-artisanat/actualite/seineetmarne-label-artisan-du-tourisme-appel-a-candidatures-2027.html","title":"Seine-et-Marne : label Artisan du Tourisme [Appel à candidatures 2027]","id":2855111,"description":"La CMA Seine-et-Marne et Seine-et-Marne Attractivité ont lancé les candidatures pour l'édition 2027 du label Artisan du Tourisme sur leur territoire. Il valorise l'excellence"},{"link":"http://veille.artisanat.fr/dossier_thematique/politiques-publiques-en-faveur-de-l-artisanat/actualite/grand-est-economie-de-proximite-avis-rapport-ceser.html","title":"Grand Est : économie de proximité [Avis, rapport CESER]","description":"Le CESER Grand Est a adopté le 2 avril 2026 un rapport et un avis [*] présentés par son groupe de travail \"Economie sociale et solidaire & économie de","id":2855108},{"title":"Nouvelle-Aquitaine : promouvoir les métiers et l'emploi dans l'artisanat [Convention CMA-Service public de l'emploi]","link":"http://veille.artisanat.fr/dossier_thematique/apprentissagealternance/actualite/nouvelleaquitaine-promouvoir-les-metiers-et-lemploi-dans-lartisanat-convention-cmaservice-public-de-lemploi.html","description":"Le 11 mars, la CMA Nouvelle-Aquitaine a signé une convention de partenariat du Réseau pour l'emploi avec France Travail, l'Association régionale des Missions Locales","id":2855109},{"link":"http://veille.artisanat.fr/dossier_thematique/technologies-numeriques/actualite/normandie-modelisation-3d-et-decoupe-laser-ateliers-les-6-mai-et-9-juin.html","title":"Normandie : modélisation 3D et découpe laser [Ateliers, les 6 mai et 9 juin]","id":2855110,"description":"La CMA Normandie organise des ateliers découverte sur : la modélisation 3D et la Réalité Virtuelle, le 6 mai à Port Jérôme sur Seine, en"},{"description":"L’article Conclusions d'appel : augmenter sa demande, un piège à éviter ! est apparu en premier sur Elige Avocats","id":2854980,"title":"Conclusions d’appel : augmenter sa demande, un piège à éviter !","link":"https://elige-avocats.com/conclusions-dappel-augmenter-sa-demande-un-piege-a-eviter/"},{"id":2854977,"title":"Actualité ​Adoption du 20ème Paquet de sanctions contre la Russie 28 avril 2026","link":"https://www.fidal.com/actualites/adoption-du-20eme-paquet-de-sanctions-contre-la-russie"},{"title":"Éclairage juridique Les parts sociales ne peuvent faire l’objet d’un don manuel 29 avril 2026","link":"https://www.fidal.com/actualites/les-parts-sociales-ne-peuvent-faire-lobjet-dun-don-manuel","id":2854976},{"title":"Compte bancaire du micro-entrepreneur (auto-entrepreneur)","link":"https://entreprendre.service-public.gouv.fr/vosdroits/F35991","id":2854876,"description":"2025-10-17 : L’ouverture d’un compte bancaire professionnel n’est pas obligatoire en micro-entreprise. Il est en revanche obligatoire d’avoir un compte dédié à l’activité professionnelle (compte bancaire professionnel ou compte personnel distinct) si le chiffre d’affaires annuel de la micro-entreprise dépasse 10 000 € durant 2 années"},{"title":"Constituer et déposer le capital social d'une société","link":"https://entreprendre.service-public.gouv.fr/vosdroits/F32333","description":"2025-10-20 : Le dépôt du capital social sur un compte bancaire est une étape obligatoire pour immatriculer une société commerciale, mais facultative pour les sociétés civiles. Le capital social atteste de la solidité financière du projet et de l’engagement des associés. Les fonds sont versés sur un compte bancaire bloqué, puis deviennent accessibles dès l’immatriculation de la société.Depuis le 1er janvier 2023, les formalités de création, de modification et de cessation d'activité doivent être réalisées en ligne sur le guichet des formalités des entreprises. Ce « guichet unique » remplace les centres de formalités des entreprises (CFE) qui sont supprimés. Il concerne toutes les entreprises, quelle que soit leur forme juridique ou leur","id":2854877},{"title":"Les cautions ne peuvent être condamnées à payer un montant total plus important que la dette garantie","link":"https://www.altajuris.com/les-cautions-ne-peuvent-etre-condamnees-a-payer-un-montant-total-plus-important-que-la-dette-garantie/","description":"Cass. com., 1er avril 2026, n° 23-23.758   Les faits Deux personnes se sont rendues caution des engagements d’une société, à hauteur de 120 000 euros chacune. Après que la société a été mise en liquidation judiciaire, la banque a […] The post Les cautions ne peuvent être condamnées à payer un montant total plus important que la dette garantie appeared first on ALTA-JURIS International","id":2854835},{"link":"https://www.juriguide.com/2026/04/29/de-quoi-est-accuse-james-comey-ex-directeur-du-fbi-limoge-par-trump/","title":"De quoi est accusé James Comey, ex-directeur du FBI limogé par Trump ?","description":"L'affaire trouve son origine dans une photographie apparemment anodine publiée par Comey sur Instagram en mai 2025. L'image révélait des coquillages disposés sur une plage de Caroline du Nord pour former les chiffres « 86 » et « 47 ». Pour l'administration Trump, cette composition constituerait une menace voilée contre le 47ᵉ président des États-Unis. Cette interprétation soulève d'importantes questions sur les limites de l'expression politique dans l'ère numérique. L’article De quoi est accusé James Comey, ex-directeur du FBI limogé par Trump ? est apparu en premier sur Juriguide","id":2854834},{"id":2854799,"description":"A la une actuEL EC Comptabilité Une société civile peut-elle (volontairement) publier des comptes ? L'enjeu de cette question renvoie à la possibilité (ou non) de contourner l'obligation de désigner deux commissaires aux comptes chargés de certifier les comptes consolidés d'un groupe de sociétés commerciales qu'une société civile contrôle. En effet, la commission des études juridiques de la CNCC a estimé, l'année dernière (voir notre article et la chronique EJ 2025-01), qu'un groupe de sociétés commerciales tenu d'établir et de publier des comptes consolidés est, lorsqu'il est contrôlé par une société civile, dispensé de désigner deux commissaires aux comptes chargés initialement de certifier ses comptes consolidés si, entre autres conditions, cette société civile tête de groupe établit et publie de tels comptes — cette société civile est toutefois tenue de désigner un commissaire aux comptes dans cette situation. Une incertitude juridique... Mais la CRCC de Paris avait soulevé un problème. \"Le risque juridique de non-publication des comptes de sociétés civiles par le greffe, en raison de l’absence de disposition légale précisant l’obligation ou la possibilité de dépôt pour ces sociétés, constitue une source d’incertitude\", argumentait-t-elle. Récemment, la commission des études juridiques de la CNCC est revenue sur le sujet (chronique EJ 2025-53). Elle a apporté une analyse des modalités de publication dans un tel contexte. \"Les sociétés civiles n’étant pas tenues de déposer leurs comptes au greffe, la publicité de ces comptes ne se limite pas au seul dépôt auprès du greffe. Dès lors que l’information est portée à la connaissance d’un public non restreint et ne fait l’objet d’aucune confidentialité, cette communication peut également être assurée par d’autres moyens que le dépôt au greffe\", analyse-t-elle. Concrètement, elle fournit plusieurs moyens de publication qui, selon elle, sont satisfaisants : ► La publication des comptes consolidés de la société civile (société mère) sur le site internet de sa filiale (société commerciale) bénéficiant de l’exemption ; ► La publication des comptes consolidés de la société civile dans un journal d’annonces légales et au Bulletin d’annonces civiles et commerciales (Bodacc), le cas échéant ; ► L'annexion de la copie des comptes consolidés de l’ensemble plus grand aux comptes individuels déposés par la filiale bénéficiant de l’exemption au greffe ; ► La mention, dans l’annexe des comptes annuels de la filiale (société commerciale), de l’existence de comptes consolidés établis par la société civile accompagnée d’une indication sur les modalités permettant de les consulter. ...non levée selon la CRCC de Paris Mais pour la CRCC de Paris, le risque juridique demeure . \"Si la réponse de la CEJ [commission des études juridiques] a le mérite du pragmatisme, elle n'apparaît toutefois pas exempte de risques. En effet, les modalités alternatives proposées, aussi utiles soient-elles en pratique, ne semblent pas offrir un niveau de sécurité juridique équivalent à celui attaché à une publication au greffe\". Bref, le débat reste","title":"La publication des comptes consolidés d'une société civile peut-elle prendre sans greffe ?","link":"https://www.actuel-expert-comptable.fr/content/la-publication-des-comptes-dune-societe-civile-peut-elle-prendre-sans-greffe"},{"id":2854798,"description":"Depuis le 31 juillet 2024, l’accès au Registre des bénéficiaires effectifs (RBE) est limité aux personnes justifiant d’un intérêt légitime. La loi du 30 avril 2025, complétée par un décret du 24 avril 2026, intègre cette disposition dans le droit français et précise la liste des entités pouvant accéder au RBE.","link":"https://entreprendre.service-public.gouv.fr/actualites/A17554?xtor=RSS-112","title":"Nouvelles conditions d'accès au Registre des bénéficiaires effectifs"},{"title":"CFE : il est temps de demander une exonération ou de signaler une modification","link":"https://entreprendre.service-public.gouv.fr/actualites/A18204?xtor=RSS-112","id":2854796,"description":"Vous souhaitez bénéficier d'une exonération de cotisation foncière des entreprises (CFE) ou indiquer une modification à l'administration ? Vous avez jusqu'au 5 mai 2026 pour faire votre"},{"link":"https://entreprendre.service-public.gouv.fr/actualites/A18179?xtor=RSS-112","title":"Solde de la taxe d'apprentissage : quand déclarer et payer ?","description":"Le solde de la taxe d'apprentissage (TA) doit être déclaré et payé dans la DSN d’avril exigible le 5 ou le 15 mai 2026 selon la date de versement de la","id":2854797},{"link":"https://entreprendre.service-public.gouv.fr/actualites/A18075?xtor=RSS-112","title":"Taxe sur les bureaux : paiement de la taxe pour l’année 2025","description":"Votre entreprise est située en Île-de-France, dans les Bouches-du-Rhône, le Var ou les Alpes-Maritimes ? Dans ce cas, vous devez déclarer et payer la taxe annuelle 2025 sur les bureaux au plus tard le 2 mars 2026 . De plus, le barème de cette taxe évolue pour l'année","id":2854795},{"title":"Critère d’ancienneté et CSE : prolongation du délai de mise en conformité","link":"https://entreprendre.service-public.gouv.fr/actualites/A18665?xtor=RSS-112","description":"Suite à un arrêt de la Cour de cassation, l’Urssaf interdit désormais que l’accès aux prestations du comité social économique (CSE) soit soumis à une condition d’ancienneté. Le délai laissé aux CSE pour se mettre en conformité vient d’être prolongé d’un an. Ils ont donc jusqu’au 31 décembre 2026 pour respecter cette","id":2854793},{"description":"Les tarifications forfaitaires et au caractère dont font l'objet les annonces judiciaires et légales sont actualisées au 1 er janvier","id":2854794,"title":"Découvrez le tarif 2026 des annonces légales !","link":"https://entreprendre.service-public.gouv.fr/actualites/A18724?xtor=RSS-112"},{"description":"La Cour de cassation précise dans un arrêt du 22 octobre 2025 les formalités que doit accomplir l’employeur pour reclasser un salarié déclaré inapte à son poste par le médecin du","id":2854792,"link":"https://entreprendre.service-public.gouv.fr/actualites/A18681?xtor=RSS-112","title":"Inaptitude : un nouvel avis médical est exigé si le salarié refuse le reclassement proposé"},{"title":"Procès de la DZ Mafia : quels enseignements tirer des débordements ?","link":"http://www.labase-lextenso.fr/gazette-du-palais/2026-nweb/proces-de-la-dz-mafia-quels-enseignements-tirer-des-debordements-GPL490f2","id":2854788,"description":"Face aux nombreux incidents de séance constatés lors de ce procès sous haute tension, des pistes d'actions sont avancées par le bâtonnier d'Aix-en-Provence Xavier Pietra et le procureur général Franck Rastoul pour assurer la sérénité des débats sans remettre en cause les droits de la défense. Mais la demande d'enquête déontologique formulée par ce dernier à l'encontre de quatre avocats ravive les frictions entre avocats et magistrats. Le procès dit de la DZ Mafia qui s'est déroulé, du 23 mars au 14 avril 2026, à Aix-en-Provence n'en finit plus de faire parler de lui."},{"title":"L'indifférence de la faute en matière de résolution pour inexécution","link":"http://www.labase-lextenso.fr/l-essentiel-droit-des-contrats/2026-n5/l-indifference-de-la-faute-en-matiere-de-resolution-pour-inexecution-DCO203m7","id":2854784,"description":"Il résulte de l'ancien article 1184 du Code civil que la résolution d'un contrat synallagmatique peut être prononcée, sans mise en demeure préalable à l'assignation, en cas d'inexécution par l'une des parties de ses obligations, même si celle-ci n'est pas fautive et quel que soit le motif qui a empêché cette partie de remplir ses engagements, alors même que cet empêchement résulterait du fait d'un tiers ou de la force majeure. Cass. 3e civ., 26 mars 2026, no 24-19550, Mme [I] [T], épouse [B] c/ Mme [E] [W], épouse [X] et a., F-D La résolution du contrat suppose l'inexécution des obligations du débiteur et non pas leur inexécution fautive, comme la Cour de cassation vient de le rappeler dans l'arrêt commenté."},{"description":"La banque qui exécute un virement destiné à financer un investissement n'est tenue ni d'un devoir de conseil ni d'une obligation de mise en garde, dès lors qu'elle agit comme simple prestataire de services de paiement soumis au principe de non-immixtion. Cass. com., 25 mars 2026, no 25-10353, Crédit mutuel c/ Mme [C] [Z] et a., F-B Un client avait donné à sa banque un ordre de virement destiné à financer une opération d'investissement.","id":2854785,"link":"http://www.labase-lextenso.fr/l-essentiel-droit-des-contrats/2026-n5/l-absence-de-devoir-de-conseil-du-prestataire-de-paiement-DCO203m8","title":"L'absence de devoir de conseil du prestataire de paiement"},{"description":"Lorsque le gérant s'est versé une rémunération, alors que celle-ci n'était pas déterminée ni par les statuts ni par une décision de la collectivité des associés, l'obligation de réparation du préjudice subi par la société qui en résulte ne saurait être regardé comme étant sérieusement contestable. Cass. com., 11 mars 2026, no 24-15111, Mme [Z] [P] c/ M.","id":2854786,"title":"SARL : l'auto-attribution d'une rémunération par le gérant est constitutive d'un préjudice social","link":"http://www.labase-lextenso.fr/l-essentiel-droit-des-contrats/2026-n5/sarl-l-auto-attribution-d-une-remuneration-par-le-gerant-est-constitutive-d-un-prejudice-social-DCO203m9"},{"title":"Intérêt à agir en responsabilité de sociétés non contrôlées contre le commissaire aux comptes","link":"http://www.labase-lextenso.fr/l-essentiel-droit-des-contrats/2026-n5/interet-a-agir-en-responsabilite-de-societes-non-controlees-contre-le-commissaire-aux-comptes-DCO203n0","id":2854787,"description":"Un tiers justifie d'un intérêt à agir en responsabilité à l'encontre d'un commissaire aux comptes pour demander, sur le fondement de la responsabilité délictuelle, la réparation de son préjudice personnel qui aurait été causé par la faute ou la négligence de ce commissaire aux comptes dans l'exercice de ses fonctions. Cass. com., 11 mars 2026, no 24-21457, Société Paveyrol et a."},{"description":"Pour apprécier si l'appel de la garantie est conforme à son objet, il y a lieu de se référer au contrat en considération duquel elle a été souscrite. Ne constitue pas un abus ou une fraude manifestes l'appel fondé sur un manquement contractuel dont la réalité est contestée devant le juge compétent et dont le caractère imputable au débiteur garanti n'est pas dépourvu de tout fondement. Cass.","id":2854781,"link":"http://www.labase-lextenso.fr/l-essentiel-droit-des-contrats/2026-n5/precisions-sur-les-conditions-d-appel-d-une-garantie-autonome-DCO203l8","title":"Précisions sur les conditions d'appel d'une garantie autonome"},{"description":"Une clause d'un contrat de prestation de services juridiques conclu entre un avocat et un consommateur stipulant un honoraire de résultat et relevant, dès lors, de l'objet principal de ce contrat, ne doit pas être réputée non écrite en raison du seul fait qu'elle ne répond pas à l'exigence de transparence. Cass. 2e civ., 12 mars 2026, no 24-15851, Mme [C] [R] c/ M.","id":2854782,"title":"Du caractère abusif ou non de la clause d'une convention d'honoraires fixant un honoraire de résultat","link":"http://www.labase-lextenso.fr/l-essentiel-droit-des-contrats/2026-n5/du-caractere-abusif-ou-non-de-la-clause-d-une-convention-d-honoraires-fixant-un-honoraire-de-resultat-DCO203l9"},{"description":"Un pacte d'associé non assorti d'un terme exprès est, en l'absence d'éléments intrinsèques ou extrinsèques contraires, réputé avoir été conclu pour la durée restant à courir de la société dont les parties sont associés, de sorte que ces dernières ne peuvent y mettre fin unilatéralement. Cass. com., 11 mars 2026, no 24-21896, Société Tikehau capital c/ Mme [J] [G] et a., FS-B L'arrêt du 11 mars 2026 concernait un pacte dont l'application était conditionnée à ce qu'un associé, ou sa famille, détienne \" directement ou indirectement le contrôle majoritaire \" du groupe.","id":2854783,"link":"http://www.labase-lextenso.fr/l-essentiel-droit-des-contrats/2026-n5/revirement-le-pacte-d-associes-sans-terme-est-a-duree-determinee-DCO203m6","title":"Revirement : le pacte d'associés sans terme est à durée déterminée !"},{"description":"Une personne concluant un contrat de vente destiné à un usage en partie lié à son activité professionnelle et en partie étranger à cette activité, peut être qualifiée de consommateur lorsque la finalité professionnelle est si limitée qu'elle n'est pas prédominante dans le contexte global de ce contrat. Cass. 1re civ., 11 mars 2026, no 24-16635, Société CPM auto carrosserie c/ Mme [B] [I], FS-B En l'espèce, une femme, exerçant la profession libérale d'infirmière, a acquis un véhicule d'occasion auprès d'un vendeur professionnel.","id":2854779,"title":"Garantie de conformité : application aux actes mixtes et preuve du défaut","link":"http://www.labase-lextenso.fr/l-essentiel-droit-des-contrats/2026-n5/garantie-de-conformite-application-aux-actes-mixtes-et-preuve-du-defaut-DCO203m4"},{"description":"Si, selon les principes qui gouvernent le droit international privé, les clauses prorogeant la compétence internationale sont en principe licites lorsqu'il s'agit d'un litige international et lorsque la clause ne fait pas échec à la compétence territoriale impérative d'une juridiction française, en cas de contrat conclu avec un consommateur, celui-ci ne peut être privé par une clause attributive désignant une juridiction étrangère du droit de saisir les juridictions françaises s'il est domicilié en France à la date de l'acte introductif d'instance. Cass. 1re civ., 25 mars 2026, no 24-21422, M.","id":2854780,"title":"Une limite à la licéité des clauses attributives de juridiction en droit international privé français : la protection du consommateur","link":"http://www.labase-lextenso.fr/l-essentiel-droit-des-contrats/2026-n5/une-limite-a-la-liceite-des-clauses-attributives-de-juridiction-en-droit-international-prive-francais-la-protection-du-consommateur-DCO203m2"},{"id":2854771,"description":"Face à la hausse des coûts de carburant résultant du conflit au Moyen-Orient, une aide est mise en place pour les travailleurs « grands rouleurs », sous conditions. Le service pour effectuer la demande sera ouvert début juin 2026, pour une période de deux mois. Retrouvez toutes les informations dans cet","title":"Carburant : l'aide pour les travailleurs « grands rouleurs »","link":"https://www.economie.gouv.fr/actualites/carburant-laide-pour-les-travailleurs-grands-rouleurs"},{"title":"Votre entreprise traverse des difficultés : à qui vous adresser ?","link":"https://www.economie.gouv.fr/entreprises/votre-entreprise-traverse-des-difficultes-qui-vous-adresser","id":2854772,"description":"Votre entreprise traverse des difficultés ? Plusieurs services d’accompagnement ont été déployés sur tout le territoire : ils sont à votre écoute pour vous orienter et vous aider à identifier des solutions adaptées, gratuitement et en toute confidentialité. Depuis le module de recherche, indiquez votre département et la taille de votre entreprise pour identifier les contacts compétents près de chez"},{"id":2854680,"description":"La plateforme de gestion des transports allemande Transporeon vient de lancer une alerte sur la baisse plus inquiétante qu'en temps normal du niveau des eaux du Rhin, artère clé et décarbonée du transport routier de fret, reliant la Suisse à Rotterdam en passant par la France et l'Allemagne. En cause : une sècheresse persistante. Un […] Cet article Transport et logistique : la baisse du niveau des eaux du Rhin inquiète est apparu en premier sur Le Moci","link":"https://www.lemoci.com/actualites/actualites/transport-et-logistique-la-baisse-du-niveau-des-eaux-du-rhin-inquiete/","title":"Transport et logistique : la baisse du niveau des eaux du Rhin inquiète"},{"link":"https://open.lefebvre-dalloz.fr/actualites/droit-social/quelques-modifications-matiere-controle-urssaf_f7697183d-1259-4bd1-a552-9f7d40c8301d","title":"Quelques modifications en matière de contrôle Urssaf","description":"Publication de la charte du cotisant contrôlé au BOSS, signature de la lettre d’observations, abus de droit... Le point sur les dernières modifications portant sur la procédure de contrôle Urssaf issues d’un décret du 26 décembre","id":2854263},{"id":2854262,"description":"Un créancier peut exercer l'action paulienne s'il justifie d'une créance au moins certaine en son principe à la date de l'acte argué de fraude et, sous peine d'irrecevabilité, au moment où le juge","title":"Recevabilité de l'action paulienne si la créance est certaine en son principe lorsque le juge statue","link":"https://open.lefebvre-dalloz.fr/actualites/droit-affaires/recevabilite-action-paulienne-creance-certaine-principe-lorsque-juge-statue_f32704f30-baa4-4dad-aece-9fdc8727d0f2"},{"link":"https://shs.hal.science/halshs-05605446v1","title":"[halshs-05605446] Chronique Droit européen du numérique – De la régulation du marché intérieur à l'organisation juridique des conditions d'accès","id":2854192},{"link":"https://shs.hal.science/halshs-05605450v1","title":"[halshs-05605450] Chronique Droit européen du numérique – La repolitisation de la politique européenne du numérique à l'épreuve de la recomposition des rapports de force internationaux","id":2854193},{"title":"[halshs-05605444] La consolidation jurisprudentielle de l'harmonisation sociale européenne","link":"https://shs.hal.science/halshs-05605444v1","id":2854194,"description":"[CJUE 11 nov. 2025, aff. C-19/23, Royaume de Danemark c/ Parlement"},{"id":2854195,"title":"[halshs-05605449] Chronique Droit européen du numérique – La recomposition de la politique européenne des données","link":"https://shs.hal.science/halshs-05605449v1"},{"id":2854196,"title":"[halshs-05605447] Chronique Droit européen du numérique – La sécurité comme condition juridique du fonctionnement du marché intérieur","link":"https://shs.hal.science/halshs-05605447v1"},{"title":"[halshs-05605453] Chronique Espace judiciaire européen en matière civile – Règlement (UE) no 1215/2012 « Bruxelles I bis » : la Cour de justice en « développeur » des règles de compétence","link":"https://shs.hal.science/halshs-05605453v1","description":"[CJUE 2 déc. 2025, aff. C-34/24, Stichting Right to Customer Justice, Stichting App Stores Claims c/ Apple Distribution International Ltd, Apple Inc, ECLI:EU:C:2025:936 ; D. 2026, p. 452 ; eapil.org, posts de B. Hess, G. Cuniberti, J. Sladic ; gavclaw.com, post de G. van Calster ; D. 2025.","id":2854187},{"link":"https://shs.hal.science/halshs-05605452v1","title":"[halshs-05605452] Chronique Espace judiciaire européen en matière civile – Règlement (CE) no 805/2004 « Titre exécutoire européen » : portée du droit de refuser un acte introductif d'instance non traduit","description":"[CJUE 27 nov. 2025, aff. C-643/24, Manuel Costa Filhos Lda. c/ OÜ Wine Port of Paldiski,","id":2854188},{"id":2854189,"link":"https://shs.hal.science/halshs-05605448v1","title":"[halshs-05605448] Chronique Droit européen du numérique – Le risque comme technique juridique de régulation ex ante"},{"id":2854190,"title":"[halshs-05605443] Occident, race, origine ethnique : définir l'indéfinissable","link":"https://shs.hal.science/halshs-05605443v1"},{"id":2854191,"link":"https://shs.hal.science/halshs-05605451v1","title":"[halshs-05605451] Chronique Droit social européen et politique de l'emploi – Le logement : nouvelle et difficile question sociale pour l'Union européenne"},{"id":2854120,"description":"20 more warning letters tell companies to cut out unproven COVID-19 claims lfair August 14, 2020 | 11:41AM 20 more warning letters tell companies to cut out unproven COVID-19 claims By Lesley Fair Coronavirus claims for zappers, virus-busting cards, sage, oregano, and bay leaves are among the representations called into question in the latest round of warning letters sent by FTC staff . With the total closing in on 300, the letters make it clear that companies need to clean up their claims about preventing or curing COVID-19. Here are the products and promises that have raised the most recent concerns. The1VirusBuster.   Citing statistics on the proliferation of coronavirus, the company promoted The 1 Virus Buster Cards as “safe, simple, and effective. All you need to do is hang it on your neck or attach it to your collar, close to your mouth and nose. If used correctly, it kills 99.99% of most harmful bacteria and viruses, which live in the air you breathe, within a three-foot radius.” Active Lifestyle Clinic.   In marketing materials titled “Learn about our COVID-19 protocol,” the Phoenix clinic promoted ozone therapy as an “effective, safe, and affordable way to treat virus and infection . . . .” Dave Asprey.   In a letter sent in care of Seattle-based Bulletproof 360, Inc., FTC staff cited blog posts, including one about “how to hack coronavirus.” The website touted a variety of products, including andrographis, sage, oregano, bay leaves, and a formulation called Bulletproof. Back 2 Health Family Wellness Center.   A video on the New Jersey office’s YouTube channel claimed to show consumers “how to improve your immune system to fight any virus including the corona virus or Covid 19.” On a webpage with the heading “Corona Virus Covid-19 and Chiropractic,” the company touted “regular chiropractic adjustments” as a way “you may lessen the severity or duration if you do happen to get sick.” Bottom Line Inc.   In promoting products it sells, the Connecticut company stated, “[A]ccording to the NIH, there is significant data showing that melatonin limits virus-related diseases and would also likely be beneficial in COVID-19 patients.” In addition, the company claimed that astragalus, quercetin, elderberry, and zinc “help prevent the virus from entering your cells by blocking the receptors where it tries to dig in.” Breiner Whole-Body Health.   After referring to “the new coronavirus spreading worldwide,” a video on the Connecticut company’s website claimed, “We have several IV drips that can . . . help prophylactically as well as IVs that can be used if you have a current infection.” On a Facebook post, the company said that for consumers who take intravenous Vitamin C, “the viruses themselves will just . . . get overwhelmed and die.” CoviDoctors.   The Lubbock-based business advertised on its website “Get the same herbal formulas used in Chinese hospitals for treatment and prevention of Covid-19.” The company also promoted three products it claimed were based on “research from China on advanced formulas for prevention of coronavirus infection.” Fortifeye Vitamins.   On its website, the Florida business warned consumers that “this cytokine storm when you have this virus attacks your lungs, your heart, your brain . . . you could die.” The company promoted a variety of products as “natural approaches to help fight against this viral invasion,” including its Fortifeye Super Immune Wellness bundle, described as “the big daddy, the king daddy.” Gesundheit Nutrition Center.   In describing “things you can do to protect yourself from becoming infected by this CoronaVirus or any other virus for that matter,” the Montana company recommended products it sells, including “Oil of Oregano, Olive Leave Extract, Elderberry, Sovereign","title":"20 more warning letters tell companies to cut out unproven COVID-19 claims","link":"https://www.ftc.gov/business-guidance/blog/2020/08/20-more-warning-letters-tell-companies-cut-out-unproven-covid-19-claims"},{"title":"Root, root root for the regions","link":"https://www.ftc.gov/business-guidance/blog/2018/09/root-root-root-regions","id":2854121,"description":"Root, root root for the regions lfair September 24, 2018 | 2:03PM Root, root root for the regions By Andrew Smith, Director, FTC Bureau of Consumer Protection T his year eight major league baseball teams are celebrating milestone anniversaries – and so are the FTC’s regional offices. In 1918, the Commission opened the first three of its regional offices. Today, eight regional offices continue to knock it out the park on behalf of America’s consumers. So it’s only fitting that on this momentous day we acknowledge the regional offices’ century of pennant-winning performances. According to the Commission’s 1918 Annual Report, “In order to expedite the greatly increased work of the Commission . . . small branch offices were established in New York, Chicago, and San Francisco.” Over time, the FTC has added other locations for a current total of eight offices in seven regions. Regional staff work with the Bureau of Consumer Protection and the Bureau of Competition on investigations and litigation. But they are in a unique position to host roundtables and workshops in their communities; to coordinate with local, state, and cross-border law enforcers; and to build partnerships with consumer groups and small business organizations within their region. According to the scouting report, there isn’t a pitch they can’t hit. Here’s a brief look at each region’s box score with a focus on just a few of their many MVP contributions to the FTC’s consumer protection mission. East Central Region . In 1918, the Cleveland Indians finished just out of pennant contention, but the FTC’s Cleveland-based office works hard to bring home the W for consumers and small businesses. For example, ECR has brought a number of cases over the past two decades to protect small businesses in their area and around the country, including cramming, business directory, and unordered merchandise scams. Recently, ECR played a central role in Operation Main Street, the FTC’s recent initiative against scammers targeting small businesses. Midwest Region . Chicago fans may be divided in their loyalty to the Cubs and the White Sox, but consumers who lost money to scammers who used the services of a major money transfer company are united in their appreciation for the FTC-DOJ settlement that returned $586 million back to them. And just recently, MWR hosted the Commission’s workshop on cryptocurrency scams and took a lead role in Operation Tech Trap, a coordinated state, federal, and international effort to shut down tech support fraudsters. Northeast Region . Given New York’s connection to names like Huggins, Houk, Stengel, Berra, and Torre, it’s no wonder the FTC’s Northeast Region has particular expertise in coaching. But in NER’s case, it’s about companies that make deceptive “coaching” and money-making representations. The New York-based office also has been one of the FTC’s power hitters in addressing misleading practices in the affiliate marketing industry. And from their Big Apple location, NER has been a leader in educating consumers, particularly older Americans and small businesses. Northwest Region . Like their hometown Seattle Mariners, the FTC’s Northwest Region has a proven record of navigating the complexities on the field of play. NWR coordinated Operation Donate with Honor, a nationwide crackdown on fraudulent charities alleged to have conned consumers by falsely promising their contributions will help veterans and servicemembers. In addition, our team in Seattle regularly coordinates with Canadian counterparts to combat cross-border fraud. And they’ve been ahead of the curve on tech issues, bringing one of the FTC’s first internet cases in the 90s and more recently, an early online influencer action. Southeast Region . The Atlanta Braves boast a national fan base – and due to their expertise in fighting fraud, the FTC’s Southeast Region can be proud of its coast-to-coast impact,"},{"id":2854114,"description":"Free means free, says the FTC wfg-adm109 May 23, 2011 | 3:37PM Free means free, says the FTC By Lesley Fair You can swim freestyle.  You can work freelance.  And there are those among us who still hold up lighters and yell “Play Free Bird.”  But for marketers, one thing you can’t do is advertise a product as free and then bill customers’ credit cards — not once and certainly not over and over and over again. The legal theories advanced in the pending case against Canadian Jesse Willms , ten companies the FTC says he controls, and other individual and corporate defendants aren’t new.  What’s noteworthy is the sheer scope of the international enterprise: The FTC says the defendants raked in more than $467 million from consumers in the US, Canada, UK, Australia and New Zealand through an elaborate scheme of false product claims, unauthorized celebrity endorsements, forced upsells , undisclosed terms and conditions, unauthorized charges, and ruses designed to evade the credit card industry’s risk management system. The FTC’s complaint is a veritable travelog of deceptive practices allegedly perpetrated by individuals using a labyrinth of corporations registered in Edmonton, Alberta; Surrey, England; Idaho Falls, Idaho; Nicosia, Cyprus; and points between. The lawsuit alleges the defendants used a vast global network of online affiliate marketers to peddle everything from acai berry diet miracles, teeth whiteners, and anti-colon cancer products to work-at-home schemes, government grant programs, free credit reports, and penny auctions.  The ads were ubiquitous and often featured eye-catching — and unauthorized — “endorsements” from Oprah Winfrey and Rachael Ray.  In addition, the complaint charges that the defendants plastered their websites with the logos of “60 Minutes,” CNN, MSNBC, USA Today, CBS, and other media outlets, despite the fact that none of them had endorsed or positively reported on any of the products. One hallmark of the scheme, says the FTC, were promises of “free trials” that opened an illegal pipeline to consumers’ credit card and bank accounts.  Once the defendants had the account info, the FTC claims they really went to town, posting monthly charges on people’s accounts without their authorization and after expressly representing the transaction as “free.”  According to the complaint, when the defendants “disclosed” the details, they used every trick in the Fineprint Playbook:  tiny type, pale colors, dense blocks of text, hard-to-find terms and conditions, streaming video to draw customers’ attention away from information critical to their purchase decision, etc. The complaint also challenges the defendants’ refund policies as deceptive.  The defendants typically advertised that their products came with an “Iron-clad 60-day Moneyback Guarantee” or a “100% satisfaction guarantee,” and that buyers could easily get “no questions asked” full refunds.  But according to the FTC, the defendants failed to clearly disclose the numerous hoops consumers had to jump through to get their money back or to stop the incessant automatic shipment of unwanted merchandise.  In many cases, buyers had to return the product at their own expense before the end of the “trial” period — which, in the case of digital products like work-at-home programs, was as short as 24 hours.  Some buyers received refunds only after complaining to law enforcers or the Better Business Bureau.  Even then, the defendants often gave just a portion of their money back. One interesting note for FTC pleadings watchers.  It’s no surprise the defendants’ business practices generated a high rate of chargebacks — sometimes 10 to 20 times higher than the ratio allowed by credit card companies — which caused merchant banks to terminate them and place them on","title":"Free means free, says the FTC","link":"https://www.ftc.gov/business-guidance/blog/2011/05/free-means-free-says-ftc"},{"link":"https://www.ftc.gov/business-guidance/blog/2016/03/ftcs-lord-taylor-case-native-advertising-clear-disclosure-always-style","title":"FTC’s Lord & Taylor case: In native advertising, clear disclosure is always in style","description":"FTC’s Lord & Taylor case: In native advertising, clear disclosure is always in style lfair March 15, 2016 | 8:37AM FTC’s Lord & Taylor case: In native advertising, clear disclosure is always in style By Lesley Fair It’s a fetching frock with spaghetti straps, an engineered paisley print, and an asymmetrical hemline. And it’s at the center of a law enforcement action against department store chain Lord & Taylor for its allegedly deceptive use of native advertising – the first case of its kind since the FTC released its Enforcement Policy Statement in December. The lawsuit also challenges Lord & Taylor’s “product bomb” campaign on Instagram as misleading. Lord & Taylor used an extensive social media push to launch Design Lab, its own apparel line aimed at women between 18 and 35. The strategy was interesting: Focus on just one item – that paisley asymmetrical dress. For the native advertising part of the campaign, Lord & Taylor signed a contract to have Nylon, an online fashion magazine, run an article about the Design Lab collection featuring a photo of the paisley dress. Lord & Taylor reviewed and approved the paid-for Nylon article, but didn’t require a disclosure about their commercial arrangement.  In addition, Lord & Taylor contracted to have Nylon post a photo of the paisley dress on Nylon’s Instagram page. Again, Lord & Taylor reviewed and approved the paid-for post, but didn’t require a disclosure. That was only part of the campaign. Lord & Taylor also recruited a team of fashion influencers, all of whom had two things in common: a sense of style and a massive number of followers on social media platforms. Lord & Taylor gave the dress to 50 influencers and paid them between $1,000 and $4,000 to post photos of themselves in the dress on Instagram on one specified “product bomb” weekend in March 2015 – the same weekend when Nylon posted its Lord & Taylor-approved photo. Style the dress any way you like, Lord & Taylor told the influencers, but in other aspects, the contract was all business. The influencers had to: 1) use the @lordandtaylor Instagram user designation and the campaign hashtag #DesignLab in the photo caption; and 2) tag the photo @lordandtaylor. Lord & Taylor’s reps preapproved each of the influencers’ Instagram posts to make sure they included the required hashtag and Instagram designation. The company also edited some of what the influencers planned to say. But despite the company’s punctilious approach to hashtags, handles, and the like, Lord & Taylor was curiously silent about other key aspects of the campaign. For example, according to the FTC, Lord & Taylor’s contract didn’t require the influencers to disclose that Lord & Taylor had paid them. Furthermore, none of the Instagram posts Lord & Taylor approved included a disclosure that the influencer had received the dress for free, that she had been compensated for the post, or that the post was a part of a Lord & Taylor ad campaign. And as the complaint alleges, Lord & Taylor didn’t add a disclosure to that effect to any of the influencers’ posts it reviewed. The Instagram campaign reached 11.4 million individual users, resulting in 328,000 brand engagements – likes, comments, reposts, etc. – with Lord & Taylor’s Instagram handle.  And the paisley dress sold out. The FTC complaint charges Lord & Taylor with three separate violations:  1) that Lord & Taylor falsely represented that the 50 Instagram images and captions reflected the independent statements of impartial fashion influencers, when they really were part of a Lord & Taylor ad campaign to promote sales of its new line; 2) that Lord & Taylor failed to disclose that the influencers were the company’s paid endorsers – a connection that would have been material to consumers; and 3) that Lord & Taylor falsely represented that the Nylon article and Instagram post reflected Nylon’s independent opinion about the","id":2854115},{"title":"Background checks? Don’t double-dip.","link":"https://www.ftc.gov/business-guidance/blog/2017/02/background-checks-dont-double-dip","id":2854116,"description":"Background checks? Don’t double-dip. lfair February 16, 2017 | 9:56AM Background checks? Don’t double-dip. By Tiffany George Need to verify an applicant's employment or income history? Checking to see if a candidate has a criminal history or civil judgments? If you get information from a company that compiles it so you can make eligibility determinations, you must comply with the Fair Credit Reporting Act (FCRA) . That means no double-dipping. If you get a consumer report for one purpose, don’t use it for a different purpose. The FCRA applies when you use consumer reports to determine things like eligibility or pricing for credit, insurance, or housing; eligibility for employment, government benefits, licenses, membership in an organization; or admission to an educational institution. If you use consumer reports to make eligibility decisions, make sure you review the Notice to Users of Consumer Reports . Consumer reporting agencies (CRAs) are required to give you this document to inform you of your obligations under the FCRA. Other federal or local laws also may apply to your use of consumer reports. When you get a consumer report, you must certify to the CRA the purpose for which you will use it. You must use the report only for that purpose. For example, that means if you get a report for a membership determination, you can’t then use it to make a credit decision. Or if you get a report to determine eligibility for a government benefit, you can’t then give it to a different government agency to make another eligibility determination. Why is this important? When consumers request copies of their files, CRAs must inform them about who has obtained reports on them. This helps consumers track each organization that has used a consumer report to make an eligibility decision about them. Getting a new consumer report when you have a new purpose helps your business ensure that you obtain the most current information about the consumer. When using consumer reports, here are a few more FCRA principles to keep in mind: If you make a negative decision about a person based on a consumer report, you must provide the person with notice of the decision – an “adverse action notice” including the name, address, and phone number of the CRA that prepared the report, a statement that the CRA did not make the decision and is not able to provide the reasons for the adverse action, and that the person has a right to receive a free copy of the report within 60 days and dispute inaccurate information. The adverse action notice may be provided orally, electronically, or in writing. A written adverse action notice is best because it provides proof of compliance. The CRA that provided you with the consumer report may have a model adverse action notice. Finished with the report? Once you no longer need it, you must securely dispose of the report and any information gathered from it."},{"link":"https://www.ftc.gov/business-guidance/blog/2017/10/clothes-look-rn-database-qa-ftc-staff","title":"A clothes look at the RN database: Q&A with FTC staff","id":2854117,"description":"A clothes look at the RN database: Q&A with FTC staff lfair October 5, 2017 | 11:18AM A clothes look at the RN database: Q&A with FTC staff By Lesley Fair It’s not much bigger than a postage stamp, but the label on many textile, wool, and fur products provides important information, including fiber content, country of origin, and a company name or Registered Identification Number (RN). The FTC administers the RN system and industry members will want to check out recent upgrades to the RN website . With RNs and labels on our mind, we asked some common RN-related questions to attorney Josh Millard, whom we’d label as one of the FTC’s go-to people on the subject. First things first. What’s an RN? JOSH:   A Registered Identification Number (RN) is a numerical designation – the prefix RN followed by a set of digits – that identifies the company responsible for marketing, distributing or otherwise handling a product covered by the Textile, Wool, and Fur Acts.  Because some labels are small and some company names are long, the law allows U.S.-based businesses to use an RN as a “shorthand” identification. We think the upgrades to the RN website will make it even easier for businesses to use. How do I get an RN for my company? JOSH:   Apply online. FTC staff will review your application and email you typically within 1-3 business days. As soon as your application has been approved, you’ll receive your RN.  How much does it cost to get an RN? JOSH:   There’s no charge. Is it mandatory that companies use an RN on labels? JOSH:   No, you don’t have to use an RN. It’s perfectly acceptable to include your company name instead, but many companies prefer to use an RN because it takes up less space. The RN system has other benefits, too. For example, it lets people identify your business easily through the RN Search screen . Consumers or other industry members can type in the number and readily find your business. Our company doesn’t reside in the United States.  Can we get an RN? JOSH:   Only U.S.-based businesses can get an RN. If your foreign company manufactures or is involved in the advertising, distribution, or sale of a product covered by the Textile, Wool, and Fur Acts, put the company name on the label instead of an RN. Alternatively, you can label the product with the RN or business name of a U.S. company directly involved with importing, distributing, or selling the product when that’s the case. Going through our records we found we have multiple RNs.  Is that a problem? JOSH:   It’s not prohibited, but we no longer issue multiple RNs to a single company and encourage companies to cancel any extra RNs to simplify recordkeeping. Our headquarters has moved since we applied for an RN.  Do we need to update our application? JOSH:   Yes. If there has been a change to your business name, address, or legal status, please update the information in your RN registration.  An RN can be cancelled if a business doesn’t keep its information up to date, so it’s wise to check. The good news is that the upgraded RN website makes that easier to do. What if we choose to use a company name on the label, rather than an RN? JOSH:   You must include the full name your company uses to do business – in other words, the name that appears on documents like purchase orders or invoices. It can’t be a trademark, trade name, brand, or designer name unless that’s also the name under which your company does business. What kind of guidance does the FTC have for industry members? JOSH:  Threading Your Way Through the Labeling Requirements Under the Textile and Wool Acts is a great place to start, and the FTC’s Clothing and Textiles page includes links to brochures, cases, workshops and other compliance resources."},{"link":"https://www.ftc.gov/business-guidance/blog/2016/12/88-million-back-att-customers-inside-look-refund-program","title":"$88 million back for AT&T customers: An inside look at a refund program","description":"$88 million back for AT&T customers: An inside look at a refund program lfair December 8, 2016 | 11:15AM $88 million back for AT&T customers: An inside look at a refund program By Lesley Fair Chances are that you or someone you know will be among 2.7 million AT&T Mobility customers who will be getting a refund soon. The FTC is returning a total of $88 million to people who were billed for premium text message services they didn’t authorize. But even if the settlement doesn’t directly benefit you as a consumer, it offers insights for business people about the steps the FTC takes to get refunds back to consumers – and the seriousness with which we approach that stewardship role. The FTC settlement was part of a joint action with the FCC and Attorneys General from all 50 states and the District of Columbia to crack down on mobile cramming. The FTC alleged that third parties placed unauthorized charges for trivia, horoscopes, celebrity tidbits, etc., on the phone bills of AT&T customers with AT&T pocketing a sizeable chunk of the take – 35% or more. A portion of the $105 million was paid in the form of penalties to the states and the FCC. The remaining funds – initially, $80 million – were earmarked for a consumer refund program administered by the FTC. But a program of that size isn’t just a matter of cutting a quick check. There are required procedures to make sure the money is returned to eligible consumers. Step #1: The FTC hired a refund administrator to manage the complicated logistics. During the 6-month period in which consumers could file refund applications, we received more than 5 million claims from AT&T customers. (Some people submitted more than one claim.) Next, the refund administrator went over every single claim to make sure it was valid. The process was painstaking, but it was essential for maintaining the integrity of the refund program. Then came the complicated calculation of how the funds should be distributed. Some good news was that the FTC was able to add more money to the initial $80 million amount through assets recovered in related law enforcement actions against Tatto and Acquinity, third parties that added charges to consumers’ AT&T bills. In addition, the court required that an independent auditor review each step of the process – another important double-check to make sure the i’s are dotted and the t’s crossed. Once the auditor approved the final plan, the refund administrator prepared and printed checks and letters. What’s next?  Current AT&T customers should see a credit on their bill within 75 days. Former AT&T customers will receive a check, the first round of which were mailed today. If you get a check, be sure to cash it within 60 days. (By the way, the FTC never requires people to pay money or turn over their account information to cash refund checks.) Questions? Call the refund administrator at 1-877-819-9692 or visit ftc.gov/att.","id":2854118},{"title":"Setting the debt parking brake","link":"https://www.ftc.gov/business-guidance/blog/2020/11/setting-debt-parking-brake","id":2854119,"description":"Setting the debt parking brake lfair November 30, 2020 | 12:14PM Setting the debt parking brake By Lesley Fair What are the biggest risks of parking? A dinged door? A bruised bumper? For consumers victimized by the pernicious practice of debt parking, the impact on their financial health can be devastating. And if you’re a debt collector who engages in debt parking, an FTC settlement with Midwest Recovery Systems suggests you could face law enforcement action for violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. Just what is debt parking? It’s the practice of placing purported debts on consumers’ credit reports without first attempting to communicate with the consumer about the debt. Some call it “passive debt collection,” but there’s nothing passive about the injury it can inflict. Consumers often don’t learn about it until a mortgage company, prospective employer, or other decision maker pulls their credit report and spots what appears to be an unpaid debt. With a house, car, or job in the balance, many people feel pressured to pay up – even though they may not actually owe the money. That’s the tactic the FTC says Missouri-based Midwest Recovery Systems and owners Brandon M. Tumber, Kenny W. Conway, and Joseph H. Smith engaged in. According to the lawsuit, since at least 2015, the defendants have reported to credit reporting agencies more than $98 million in bogus or highly questionable debts for payday loans, debts subject to unresolved fraud claims, debts in bankruptcy, debts in the process of being rebilled to consumers’ medical insurance, and even debts people had already paid. The FTC alleges the defendants continued to collect those debts even in the face of billowing red flags about their validity. In fact, when consumers were able to dispute the purported debts, the defendants have regularly concluded that between 80% and 97% of them were either inaccurate or invalid. That’s not surprising, given that many of those debts originated from certain payday lenders and others whom the FTC has sued for their own illegal practices. Here’s an example cited in the complaint of how the defendants used debt parking to help line their pockets with millions in gross revenue. When applying for a mortgage, a consumer was told that an outstanding medical debt of $1,500 had lowered his credit score, which threatened to put the kibosh on buying a house. He contacted the hospital where he supposedly owed the debt, only to be told that he owed just an $80 co-pay. In spite of that, the FTC says the defendants refused to remove the debt and threatened the consumer with a lawsuit if he didn’t pony up. His complaint was one of thousands that Midwest Recovery received. For people who work in the collections field, the pleading in this case merit a careful read. In addition to alleging the defendants made false or unsubstantiated representations in violation of the FTC Act and the Fair Debt Collection Practices Act , the complaint expressly challenges their debt parking tactics as an unfair practice under the FDCPA. The FTC says they also violated the FDCPA by failing to provide validation notices – one of the protections in the statute designed to ensure consumers have the information they need to dispute an invalid debt. Three other counts charge the defendants with violating the Fair Credit Reporting Act by furnishing information to credit reporting agencies they knew or had reasonable cause to believe was inaccurate, by failing to conduct reasonable investigations of disputes, and by failing to report the results of those investigations to consumers. The settlement suggests some takeaway tips for others in the collections ecosystem. Consumers’ credit reports are a NO PARKING zone. This is the first FTC case to address debt parking – and thus the first to challenge the practice as unfair under the FDCPA – but the message couldn’t be clearer. Debt collectors that park fake or"},{"link":"https://www.ftc.gov/business-guidance/blog/2015/03/when-bogo-no-go","title":"When BOGO is a no-go","id":2854112,"description":"When BOGO is a no-go lfair March 6, 2015 | 10:42AM When BOGO is a no-go By Lesley Fair If you watch as much TV as we do, you may have been tempted to reach for the phone to order the Snuggie, that blanket with sleeves for couch potatoes; Forever Comfy, the answer to rump-sprung chairs; or a host of other items sold by New York-based Allstar Marketing Group. And if one Magic Mesh, Cat's Meow, Roto Punch, or Perfect Tortilla wasn’t enough, the ads reeled buyers in with a “double the offer” buy-one-get-one-free promotion the FTC and New York Attorney General said was misleading. Settlements totaling $8 million offer guidance on how to make sure your BOGO doesn't turn into a no-go. According to the FTC’s complaint , Allstar deceived consumers about key parts of the transaction. As a result, many people ended up with merchandise they didn't order and charges they didn't authorize. For example, Magic Mesh – a self-closing screen for doors – was advertised for “just $19.95.” But \"call now” and the company promised to “double the offer. Just pay separate processing and handling fees.” That’s right, said the pitchman, “you get two Magic Mesh curtains for $19.95. That’s less than $10 each.” Now for what the defendant didn’t tell people. First, Allstar charged $7.95 processing and handling for each Magic Mesh. What’s more, it was impossible to decline the BOGO, meaning that the minimum processing and handling fee was $15.90. That bumped the advertised $19.95 offer up to $35.85, without clear upfront disclosures about what consumers would get and how much they’d be billed. The FTC says Allstar’s labyrinth-like telephone and online ordering processes compounded the problem. For example, the toll-free number used an Interactive Voice Recognition system – one of those “Press 1” set-ups that doesn’t offer people the option to speak to an operator. Consumers immediately had to give their credit or debit card numbers and the system didn’t prompt them to indicate how many of an item they wanted. A recorded voice just said, for example, “Great. We have you down for one Magic Mesh set” without clearly explaining that people had to get two screens and pay separate processing and handling for each of them. But wait, there’s more. Allstar then pitched a series of upsells for its own products and for items sold by others. Where it got even more confusing is that Allstar offered consumers “additional sets” of Magic Mesh and asked for the first time how many items people wanted. Because of how the company described the deal, some consumers pressed 1, intending to get just the originally advertised BOGO offer. What they ended up with, however, was four screens – two \"sets\" – at a hefty additional cost. At no time did Allstar tell people how many products they ordered or the total cost. According to the FTC, Allstar even charged some consumers who hung up mid-call and didn’t intend to complete a sale. You’ll want to read the complaint for the details, but the FTC says Allstar’s online ordering process was no clearer.  Faced with multiples of products they didn't want and charges they didn't authorize, some consumers turned to Allstar's “30 day money-back guarantee (less p&h).\" The first deterrent was that the processing and handling fees often were close to 50% of the total cost. If consumers called to complain about receiving merchandise they didn’t order, many were refused full refunds and were told they had to return the items at their own expense. The FTC’s complaint alleges that Allstar illegally billed consumers without their express consent and failed to adequately disclose material terms of the offer. The lawsuit also charges the company with multiple violations of the Telemarketing Sales Rule’s provisions regarding upsells. What’s the message for marketers?"},{"link":"https://www.ftc.gov/business-guidance/blog/2012/01/watch-what-youre-doing-time-barred-debts","title":"Watch what you're doing with time-barred debts","description":"Watch what you're doing with time-barred debts wfg-adm109 January 30, 2012 | 10:56AM Watch what you're doing with time-barred debts By Lesley Fair Of course, people are responsible for their debts.  However, at a certain point, how much time has passed becomes an affirmative defense under state law and creditors can’t prevail in court.  But what happens if a payment is made on a time-barred debt?  A consumer can really get clocked — because in many states the debt can be revived if a person makes a payment or says in writing that they intend to.  The FTC has announced a $2.5 million settlement with Asset Acceptance, LLC, for allegedly breaking the law in how it tried to collect time-barred debts. Michigan-based Asset Acceptance buys unpaid debts from credit card companies, health clubs, companies that provide telecom or utility service, and other debt buyers.  Getting the debts for pennies on the dollar, the company targets accounts other collectors have pursued unsuccessfully and are more than a year past due.  The problem, of course, is that if a debt collector tells somebody they owe money and demands payment, it may create the misleading impression that the company can collect in court.  That’s not the case with time-barred debts. A law enforcement action filed by the Department of Justice on the FTC’s behalf charges that Asset Acceptance pursued debts — including time-barred debts — in ways that violated the law.  Among other things, the complaint alleges that the company: claimed that consumers owed money when Asset Acceptance didn’t have proof to back it up; failed to disclose that debts were too old to be legally enforceable or that a partial payment would restart the clock; failed to give consumers verification of a debt when they asked for it; provided information to credit reporting agencies it knew — or had reasonable cause to know — was inaccurate; didn’t notify consumers in writing that it passed negative information on to credit reporting agencies; didn’t conduct reasonable investigations when it got a notice of dispute from a credit reporting agency; illegally told third parties about people’s debts; and used illegal debt collection practices. In addition to the $2.5 million civil penalty, the settlement puts provisions in place to protect consumers going forward.  For example, when dealing with debt it knows or should know is time-barred, Asset Acceptance must disclose to the consumer that it won’t sue on the debt and — assuming it’s the case — it has to tell people that it may report nonpayment to the credit bureaus.  Once it has made that disclosure, Asset Acceptance can’t sue, even if the consumer makes a partial payment that otherwise would restart the limitations clock. The order also prohibits Asset Acceptance from making material misrepresentations about debts;  from “parking” debt on a consumer’s credit report when it has failed to notify them in writing;  and from violating the FTC Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act in the ways alleged in the","id":2854113},{"id":2854088,"description":"La CMA du Lot organise des réunions d'information sur l'apprentissage d'avril à juin, dans plusieurs villes du département. Ces réunions sont également","title":"Lot : apprentissage [Réunions, 2ème trimestre 2026]","link":"http://veille.artisanat.fr/dossier_thematique/apprentissagealternance/actualite/lot-apprentissage-reunions-2eme-trimestre-2026.html"}]