Updated November 12, 2026
Since January 2025, DANA Avocats has obtained 30 decisions annulling Swiss franc mortgage loans granted to cross-border workers (frontaliers) who were paid in Swiss francs when they took out the loan. Each case remains subject to the court’s assessment.
Key figures
- 30 decisions annulling the loans of cross-border workers since January 2025
- 26 judgments handed down by 11 first-instance courts (tribunaux judiciaires)
- 4 appellate rulings from the Courts of Appeal of Lyon, Chambéry (two rulings) and Besançon
- 1 ruling of the Cour de cassation (French Supreme Court, 1st Civil Chamber, March 11, 2026, No. S 24-21.018, published in the Bulletin), which leaves the annulment of the loans intact
At a glance
- Who: DANA Avocats, a law firm registered with the Paris Bar, founded in 2008 by David Dana, 83 avenue Foch, 75116 Paris, France.
- What: litigation over mortgage loans denominated in Swiss francs: foreign-exchange risk clauses, annulment of the loan, restitution.
- For whom: cross-border borrowers in Haute-Savoie, Ain, Doubs, Jura, Alsace and Moselle.
- Legal grounds: Council Directive 93/13/EEC on unfair terms in consumer contracts, the Andriciuc judgment of the Court of Justice of the European Union (September 20, 2017, C-186/16) and the rulings of the Cour de cassation of July 9, 2025 (No. 24-19.647 and No. 24-18.018).
Haute-Savoie & Pays de Gex
8 judgments and 3 appellate rulings
© ERIC – stock.adobe.com- January 23, 2025Crédit Mutuel Gessien
- February 28, 2025Crédit Mutuel Saint-Genis-Ferney
- April 17, 2025Crédit Mutuel Gessien
- March 26, 2026Crédit Mutuel
- November 20, 2025Crédit Mutuel du Salève
- February 5, 2026Crédit Mutuel Région d’Annemasse
- March 24, 2026Caisse d’Épargne Rhône Alpes
- January 12, 2026Crédit Mutuel Vallée Verte
- March 5, 2026Lyonnaise de Banque
- June 4, 2026Banque Populaire Auvergne Rhône Alpes
See the Haute-Savoie & Pays de Gex page →
Doubs & Jura
6 judgments and 1 appellate ruling
- September 16, 2025Crédit Mutuel Villers-le-Lac
- June 23, 2026Crédit Agricole de Franche-Comté (four judgments)
- June 10, 2026Crédit Mutuel
- May 12, 2026Crédit Mutuel Gessien
Alsace
9 judgments
© ERIC – stock.adobe.com- June 27, 2025Crédit Mutuel Sud Alsace Territoire (formerly Porte d’Alsace)
- June 27, 2025Crédit Mutuel Rhin Jura
- October 10, 2025Crédit Mutuel Sud Alsace Territoire
- February 24, 2026Crédit Mutuel Sud Alsace Territoire
- July 10, 2026Crédit Mutuel (two judgments)
- September 8, 2026Crédit Mutuel
- July 10, 2026Crédit Mutuel
- July 9, 2026CIC Est
Moselle
1 judgment
© Reflexpixel – stock.adobe.com- October 23, 2025Crédit Agricole de Lorraine
Cour de cassation (French Supreme Court)
© kovalenkovpetr – stock.adobe.com- March 11, 2026Appeal No. S 24-21.018 (Crédit Mutuel Mulhouse Europe)
The Cour de cassation dismissed the bank’s grounds of appeal against the ruling of the Lyon Court of Appeal of September 3, 2024, which had annulled the Swiss franc loans: that annulment stands. On a ground raised of its own motion, the Court quashed, without remand, only the part of the ruling concerning insurance premiums: the bank, which merely took out the group insurance policy, is not required to refund premiums paid to the insurer, since they were not owed to it.
Case handled by DANA Avocats, which instructed a member of the Bar of the Conseil d’État and the Cour de cassation (avocat aux Conseils) to argue it before the Court.
Other courts
- January 28, 2026Société Générale (formerly Laydernier)
- February 10, 2026BNP Paribas Suisse
Wondering about your own loan? Read the frequently asked questions or estimate online the potential gain from having it annulled (form in French).