What FICP data reveals

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According to the latest data in the National File of Credit Reimbursement Incidents to Individuals (FICP), More than half of the people who have submitted an over -indebtedness file in 2024 had already experienced payment incidents. Meanwhile, An observation which lights up on the profiles concerned, but which also shows that over -indebtedness can strike without warning.

Consumer credits: arguments up since 2022 – What ficp data reveals

In its bulletin published on June 26. However, the Banque de France highlights the key data from the FICP. However, This tool lists payment defects linked to loans, often first signals from a fragile financial situation.

After a clear withdrawal during the health crisis. In addition, Payment incidents what ficp data reveals have been going up since 2022in particular on consumer credits and overdrafts. This recovery is largely explained by the inflation of 2022/2023. which has strongly weighed on the budgets of the most modest households, affected by the increase in energy and food prices.

Submit an over -indebtedness file: profiles. trends – What ficp data reveals

According to the Banque de France, a correlation exists between registrations for the FICP and the deposits of over -indebtedness files, with a discrepancy of about a year. In 2024, 58 % of people who have submitted a file had experienced at least one payment incident between 2016 and 2024.

These profiles are generally younger, more indebted, but also better inserted in the labor market. Conversely. 42 % of the files were submitted by people who have never been registered with the FICPproof that over -indebtedness can strike without a history of payment default.

This dynamic resulted in a rise what ficp data reveals in file deposits from 2023. after almost a decade of decline initiated by the Lagarde law of 2010, which had strengthened the supervision of consumer credits. The decline had accentuated during the COVVI-19 crisis, under the combination of health restrictions and public support measures.

From ficp to over -indebtedness: Understanding the path

According to a survey conducted since 2023 by the Banque de France with people who have submitted an online file. The worsening of financial difficulties is the main motivationcited by 41 % of respondents.

For a third of them. these problems have appeared in the last twelve months, for another third between one and two years, and for the last third, they go back to more than two years.

A third of payment incidents regularized quickly

Between 2010. 2024, a clear correlation appears between FICP inscriptions and deposits of over -indebtedness files, with a one -year lag. However. what ficp data reveals only 17 % of incidents lead to a file, a third party being quickly regularized, while another third party remains registered until the due date, a sign of a sustainable financial difficulty.

In 2024. out of the 148,000 over -indebtedness files filed, 85,000 concerned people already registered in the FICP between 2016 and 2024 for at least one payment incident. This analysis. based on individual data, confirms that the majority of the persons concerned had already experienced difficulties in honoring their credit or discovery banking in previous eight years.