{"id":9846,"date":"2026-04-28T18:18:02","date_gmt":"2026-04-28T16:18:02","guid":{"rendered":"https:\/\/lerins.com\/?p=9846"},"modified":"2026-04-28T18:21:20","modified_gmt":"2026-04-28T16:21:20","slug":"press-banking-spoofing-fraud-the-french-supreme-court-fine-tunes-the-assessment-of-gross-negligence","status":"publish","type":"post","link":"https:\/\/lerins.com\/en\/press-banking-spoofing-fraud-the-french-supreme-court-fine-tunes-the-assessment-of-gross-negligence\/","title":{"rendered":"PRESS | Banking spoofing fraud: the French Supreme Court fine-tunes the assessment of gross negligence"},"content":{"rendered":"<p>Banking spoofing fraud is based on a now well-known mechanism: phone number spoofing of a bank, convincing impersonation of a bank adviser, and manipulation of the victim into authorising payment transactions.<\/p>\n<p>The rule is clear: unauthorised payment transactions must be reimbursed. The bank may, however, refuse reimbursement if it can demonstrate fraud or gross negligence on the part of the customer. The burden of proof lies with the bank.<\/p>\n<p><a class=\"cba1a094 a8b8104a\" href=\"https:\/\/lerins.com\/en\/avocats\/arnaud-picard\/\"><span class=\"b8dbf703\"><strong>Arnaud Picard<\/strong><\/span><\/a> partner in the Litigation department, analyses this evolving this evolving case law for <strong><a class=\"cba1a094 a8b8104a\" href=\"https:\/\/www.decideurs-juridiques.com\/juridiques.html\"><span class=\"b8dbf703\">D\u00c9CIDEURS JURIDIQUES<\/span><\/a><\/strong>, highlighting a consistent line: the Court of Cassation rejects any form of automaticity.<\/p>\n<p><span class=\"emoji x1rg5ohu x16dsc37 x1fc57z9 x6ikm8r x10wlt62 x19co3pv x11tp94h xw4jnvo x1qx5ct2 xfibh0p xiy17q3 x1xsqp64 xexx8yu x1im30kd x18d9i69 x1djpfga x1f6kntn xdj266r xjn30re xat24cr x1hb08if xz6nz0p\"><span class=\"\">\u27a1\ufe0f <a href=\"https:\/\/www.decideurs-juridiques.com\/paroles-experts-juridiques\/64183-arnaud-picard-lerins-spoofing-bancaire-quand-la-cour-de-cassation-redessine-les-frontieres-de-la-negligence-grave.html\">READ THE ARTICLE<\/a><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Banking spoofing fraud is based on a now well-known mechanism: phone number spoofing of a bank, convincing impersonation of a bank adviser, and manipulation of the victim into authorising payment transactions. The rule is clear: unauthorised payment transactions must be reimbursed. The bank may, however, refuse reimbursement if it can demonstrate fraud or gross negligence [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":9387,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[30],"tags":[53,57],"class_list":["post-9846","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publication-en","tag-arnaud-picard-en","tag-dispute-resolution"],"acf":[],"_links":{"self":[{"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/posts\/9846","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/comments?post=9846"}],"version-history":[{"count":4,"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/posts\/9846\/revisions"}],"predecessor-version":[{"id":9852,"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/posts\/9846\/revisions\/9852"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/media\/9387"}],"wp:attachment":[{"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/media?parent=9846"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/categories?post=9846"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lerins.com\/en\/wp-json\/wp\/v2\/tags?post=9846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}