{"id":6053,"date":"2024-01-31T14:19:10","date_gmt":"2024-01-31T13:19:10","guid":{"rendered":"https:\/\/alarabtv.info\/?p=6053"},"modified":"2024-01-31T14:19:12","modified_gmt":"2024-01-31T13:19:12","slug":"la-chambre-des-conseillers-approuve-le-projet-de-loi-sur-les-bureaux-dinformation-sur-le-credit","status":"publish","type":"post","link":"https:\/\/alarabtv.info\/?p=6053","title":{"rendered":"La Chambre des conseillers approuve le projet de loi sur les bureaux d\u2019information sur le cr\u00e9dit"},"content":{"rendered":"\n<p><strong>R\u00e9dig\u00e9 par Cha\u00eene AlArabTV<\/strong><br><strong><br>La Chambre des conseillers a approuv\u00e9 \u00e0 la majorit\u00e9, mardi lors d\u2019une session l\u00e9gislative, le projet de loi n\u00ba01.22 relative aux bureaux d\u2019information sur le cr\u00e9dit, par 24 voix pour et 2 abstentions.<br>Cette loi permettra au Maroc d\u2019atteindre les objectifs fix\u00e9s par la strat\u00e9gie nationale d\u2019inclusion financi\u00e8re et contribuera \u00e0 renforcer l\u2019arsenal juridique dans le secteur bancaire, \u00e0 m\u00eame d\u2019am\u00e9liorer la qualit\u00e9 et de faciliter l\u2019acc\u00e8s des particuliers et des tr\u00e8s petites et moyennes entreprises au financement, a indiqu\u00e9 la ministre de l\u2019\u00c9conomie et des finances, Nadia Fettah, qui pr\u00e9sentait ledit projet.<br>Mme Fettah a \u00e9galement salu\u00e9 l\u2019interaction positive des membres de la Commission des finances, du d\u00e9veloppement \u00e9conomique et de la planification relevant de la Chambre des conseillers avec ce texte, en particulier avec les amendements apport\u00e9s aux articles 1, 8, 11, 26, 34, 37 et 44 du projet de loi n\u00b001.22.<br>Lire aussi : Cr\u00e9dit bancaire : l\u2019encours \u00e0 1.078,7 MMDH \u00e0 fin novembre 2023<br>\u00c0 cet \u00e9gard, la ministre a pr\u00e9cis\u00e9 que ces amendements visent \u00ab \u00e0 d\u00e9terminer exclusivement la nature des informations pouvant faire l\u2019objet de collecte, d\u2019\u00e9change et de traitement par les bureaux d\u2019information de cr\u00e9dit pour atteindre les objectifs mentionn\u00e9s dans le projet de loi \u00bb et \u00ab \u00e0 encadrer l\u00e9galement le processus de modification du statut du bureau d\u2019information de cr\u00e9dit et \u00e0 le lier \u00e0 l\u2019obtention d\u2019une autorisation pr\u00e9alable de Bank Al-Maghrib \u00bb.<br>Aussi, a-t-elle poursuivi, ces amendements portent sur l\u2019interdiction pour les soci\u00e9t\u00e9s autoris\u00e9es dans le domaine du recouvrement de cr\u00e9ances de devenir des fournisseurs et utilisateurs d\u2019informations aupr\u00e8s d\u2019un bureau d\u2019information de cr\u00e9dit, ainsi que la r\u00e9duction de moiti\u00e9 la valeur de l\u2019amende minimale pr\u00e9vue dans l\u2019article 44, en plus de l\u2019ajustement aux dispositions l\u00e9gales actuellement en vigueur.<br>\u00c0 noter que la loi n\u00b001.22 relative aux bureaux d\u2019information sur le cr\u00e9dit concerne \u00ab les conditions d\u2019exercice de l\u2019activit\u00e9 des bureaux d\u2019information sur le cr\u00e9dit en d\u00e9finissant les proc\u00e9dures d\u2019octroi et de retrait d\u2019accr\u00e9ditation, ainsi que les droits et obligations des bureaux d\u2019information sur le cr\u00e9dit, des fournisseurs et des utilisateurs d\u2019informations, y compris l\u2019obtention d\u2019un consentement \u00e9crit pr\u00e9alable pour partager les donn\u00e9es des clients et la protection des donn\u00e9es \u00e0 caract\u00e8re personnel.<br>Il s\u2019agit aussi du r\u00f4le de Bank Al-Maghrib en tant qu\u2019organe de supervision des activit\u00e9s de ces bureaux d\u2019information, et du r\u00e9gime des sanctions disciplinaires et p\u00e9nales.<br>Avec MAP<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>R\u00e9dig\u00e9 par Cha\u00eene AlArabTVLa Chambre des conseillers a approuv\u00e9 \u00e0 la majorit\u00e9, mardi lors d\u2019une session l\u00e9gislative, le projet 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