What is an over-indebtedness application in France?

An over-indebtedness application is a formal request filed by an individual with a Banque de France commission to find a solution for debts they cannot repay.

What do FICP and FCC stand for in French banking?

FICP is the national file on household credit repayment incidents, while FCC is the central cheque file. Both are managed by the Banque de France to track payment incidents.

What is the right to a bank account in France?

The right to a bank account (droit au compte) is a French legal procedure where the Banque de France designates a bank to open a basic account for someone refused service elsewhere.

How often is the French over-indebtedness data updated?

The Banque de France updates these financial inclusion and over-indebtedness statistics on a monthly basis, with regional and département breakdowns available since 2019.

France over-indebtedness by département

Name: France over-indebtedness by département
Creator: Banque de France – Webstat (webstat.banque-france.fr)
License: https://creativecommons.org/licenses/by/4.0/

France's monthly over-indebtedness applications and financial inclusion indicators by département.

Source: Banque de France – Webstat (webstat.banque-france.fr)Last updated: Sep 14, 2026, 20:15Curated by Bui Thanh PhucAbout this data ↓

Indicator	08-2026	07-2026	06-2026	05-2026	04-2026	03-2026	02-2026	01-2026	12-2025	11-2025	10-2025	09-2025	08-2025	07-2025	06-2025	05-2025	04-2025	03-2025	02-2025	01-2025	12-2024	11-2024	10-2024	09-2024	08-2024	07-2024	06-2024	05-2024	04-2024	03-2024	02-2024	01-2024	12-2023	11-2023	10-2023	09-2023	08-2023
France5
Over-indebtedness applications filed	11,994	13,463	14,417	11,499	14,628	15,869	14,052	12,473	12,722	11,803	13,925	11,917	10,704	13,113	11,944	11,580	13,169	13,463	12,365	11,315	10,619	10,447	12,263	9,968	10,326	11,844	10,948	10,528	12,172	12,697	12,192	10,803	9,532	10,620	11,012	9,163	9,658
Bank designations under the right to a bank account	1,381	1,485	1,573	1,402	1,823	1,898	1,863	1,880	1,848	1,807	2,263	1,966	1,670	1,882	1,756	1,785	2,069	2,007	2,020	2,216	2,148	2,346	2,782	2,481	2,382	2,734	2,268	2,193	2,399	2,514	2,476	2,572	2,411	2,345	2,618	2,305	2,381
Registrations in the central cheque file (FCC)	37,936	50,135	45,548	40,537	45,589	43,668	43,033	52,639	45,754	47,441	59,153	51,224	42,478	57,219	50,377	51,733	48,081	48,581	49,223	63,828	48,636	56,924	65,585	53,804	49,845	63,347	53,097	62,326	58,225	52,755	58,784	71,856	53,928	70,896	72,526	63,301	60,287
Registrations of persons in the household credit repayment incidents file (FICP)	81,895	80,677	76,637	74,861	82,024	83,482	73,943	78,836	82,300	74,327	76,823	76,777	73,721	76,155	76,847	73,094	75,623	78,139	75,058	76,133	77,051	75,432	76,632	74,664	71,034	78,317	71,123	75,807	79,312	79,029	73,610	76,625	75,214	76,641	80,192	71,877	73,140
Individuals supported on a financial inclusion matter	182,023	190,910	197,736	165,088	196,379	205,833	188,722	191,700	167,316	166,965	198,971	187,715	153,443	180,963	170,433	166,561	177,781	186,480	176,152	187,170	148,337	161,041	165,078	170,562	146,570	175,423	159,566	155,866	170,499	171,829	174,351	181,723	136,277	161,613	168,406	158,113	146,136
Over-indebtedness applications filed, by département96
Ain	96	142	134	87	145	142	117	123	114	98	124	117	97	113	105	109	125	116	134	99	93	118	104	90	94	109	116	102	111	124	98	112	91	105	104	88	87
Aisne	175	157	158	129	197	199	177	169	169	159	192	148	176	188	173	145	179	193	164	134	144	124	175	142	175	162	163	138	184	188	193	180	150	167	171	149	145
Allier	77	78	98	75	107	97	107	72	95	76	94	74	94	85	93	86	81	98	82	76	62	88	93	60	66	85	67	87	79	85	101	73	61	66	89	68	71
Alpes-de-Haute-Provence	35	27	38	31	13	37	41	31	26	39	37	18	26	31	44	29	27	36	41	34	29	19	28	18	27	24	30	33	31	28	38	28	20	24	29	18	19
Hautes-Alpes	25	26	24	16	28	32	18	27	26	12	25	11	13	38	13	23	26	35	20	17	26	25	16	22	18	14	20	16	24	29	15	16	15	19	28	13	17
Alpes-Maritimes	203	217	243	170	236	263	223	246	226	200	217	202	194	226	184	202	214	227	204	177	186	171	161	163	167	180	167	167	186	186	210	166	154	169	154	139	167
Ardèche	32	68	43	39	52	51	54	42	59	44	44	50	47	49	58	29	41	50	59	43	48	37	54	40	27	31	51	40	40	47	43	36	36	38	44	30	45
Ardennes	52	65	66	30	57	68	59	55	51	56	59	38	42	56	46	61	47	62	63	49	59	42	50	45	56	57	58	45	50	66	63	39	42	57	57	42	44
Ariège	33	37	43	32	39	47	35	19	39	24	32	29	25	31	39	30	32	33	30	19	23	39	30	31	20	27	27	36	29	34	23	17	18	31	31	29	17
Aube	72	81	76	52	84	79	73	66	61	52	78	57	55	63	60	68	62	61	56	51	54	51	50	65	57	63	82	41	66	81	50	49	57	67	66	55	65
Aude	74	103	111	68	87	124	106	80	96	84	117	77	74	101	70	77	88	88	102	93	81	58	89	71	73	81	73	77	76	84	77	86	60	71	73	73	85
Aveyron	28	36	51	41	45	41	30	30	41	36	34	27	30	34	33	37	40	36	26	31	40	39	24	25	37	35	45	35	37	40	31	27	36	23	30	26	29
Bouches-du-Rhône	387	434	505	412	500	522	456	420	452	405	488	367	345	408	366	405	419	487	445	374	351	385	381	353	333	397	331	342	373	437	392	353	335	332	367	310	308
Calvados	158	162	165	108	163	171	166	116	138	113	163	144	100	128	138	156	130	146	139	133	126	132	108	112	116	142	106	114	137	166	142	103	114	120	133	96	115
Cantal	18	30	19	24	24	24	19	22	21	21	13	18	17	23	15	12	14	24	15	22	13	19	21	5	24	30	19	15	16	30	21	24	22	13	24	16	18
Charente	75	75	90	79	72	96	84	69	83	59	79	79	82	97	58	73	77	70	78	76	60	60	82	74	73	74	70	61	57	95	61	41	62	62	68	70	71
Charente-Maritime	126	130	158	124	157	166	149	122	148	125	107	121	117	119	101	110	122	147	128	115	114	113	110	91	109	129	110	91	127	114	121	113	99	103	114	93	95
Cher	59	70	81	55	91	77	76	67	91	52	75	56	75	75	70	78	82	79	76	80	64	61	59	47	73	68	56	73	61	60	70	62	60	63	58	53	57
Corrèze	51	48	45	34	41	61	48	53	46	49	57	41	54	40	46	38	62	69	41	49	26	49	47	47	40	55	49	43	55	42	45	50	26	36	41	34	32
Côte-d'Or	97	131	112	89	122	116	108	107	99	93	110	100	88	118	93	97	114	108	109	92	97	93	101	75	102	94	102	87	114	117	103	111	92	110	116	73	69
Côtes-d'Armor	93	87	100	82	93	127	82	71	76	67	105	83	77	95	75	71	82	116	73	85	61	81	95	75	73	110	72	78	92	93	85	81	73	78	94	53	67
Creuse	32	24	32	23	40	40	28	32	34	31	23	40	34	28	28	26	30	28	28	31	34	28	40	26	22	22	34	16	38	31	34	35	26	32	26	31	21
Dordogne	92	105	117	96	127	121	97	101	85	89	105	109	83	77	92	91	108	97	111	82	90	82	90	79	83	83	91	72	65	94	103	81	79	79	71	72	70
Doubs	103	111	120	102	106	141	113	96	99	105	110	109	90	96	120	103	104	98	84	88	101	88	108	68	80	103	101	85	106	114	87	84	76	100	82	77	78
Drôme	75	109	100	96	117	106	82	91	98	70	103	90	74	84	74	76	102	79	92	81	82	92	94	70	60	85	86	78	103	91	87	71	55	74	65	70	74
Eure	143	133	115	119	143	162	142	139	145	114	139	139	102	135	136	128	118	160	158	136	114	120	135	106	102	157	98	92	148	146	148	116	115	128	125	119	130
Eure-et-Loir	96	106	120	87	115	124	107	111	111	99	131	109	96	106	108	97	102	103	94	104	79	78	119	93	65	111	106	99	91	107	100	84	105	83	83	89	86
Finistère	98	138	149	113	154	167	141	112	122	112	136	117	84	143	143	122	111	106	118	108	110	93	114	96	87	137	86	93	99	126	118	125	79	114	124	95	107
Corse-du-Sud	29	23	44	32	29	40	30	43	31	27	34	23	22	44	40	26	36	37	29	21	24	30	36	30	25	36	30	28	38	31	31	28	26	27	33	18	30
Haute-Corse	19	26	38	36	29	27	29	35	32	40	30	24	29	30	28	27	37	37	31	19	23	25	30	23	27	26	26	24	41	40	22	15	21	34	23	16	18
Gard	121	148	164	120	151	168	154	136	158	166	145	104	132	128	136	147	157	161	125	130	128	118	127	123	125	131	109	100	137	135	141	144	105	123	134	95	116
Haute-Garonne	257	286	311	233	312	313	292	271	280	254	314	246	223	286	251	247	258	234	264	247	192	206	270	220	230	279	224	231	260	269	250	238	191	194	216	185	190
Gers	43	39	39	35	48	56	37	25	29	31	38	38	32	37	38	27	39	39	38	35	31	33	38	32	20	40	42	35	27	32	39	40	20	33	38	28	35
Gironde	338	344	403	330	392	445	397	354	372	335	371	343	289	389	337	299	351	352	345	291	319	258	359	261	234	307	284	294	315	328	337	289	239	264	287	238	214
Hérault	218	257	267	222	286	295	273	242	211	223	251	205	192	229	248	210	268	281	227	237	204	195	238	186	199	217	194	190	242	234	232	196	176	222	237	156	171
Ille-et-Vilaine	141	160	173	124	161	180	177	113	156	144	168	141	103	145	158	152	144	144	145	146	134	139	154	129	138	159	158	119	152	163	186	109	116	135	113	88	111
Indre	47	59	59	56	60	67	35	56	44	57	66	37	31	44	46	51	52	67	63	32	48	54	50	31	47	52	46	35	53	51	52	52	38	53	43	43	46
Indre-et-Loire	96	122	139	97	157	152	143	122	95	84	116	107	100	116	96	107	135	119	132	101	94	102	123	91	89	122	96	103	142	113	116	112	93	85	113	84	83
Isère	184	219	252	205	248	262	234	217	209	176	219	187	155	215	173	206	208	224	239	196	182	166	169	149	162	208	178	176	212	213	194	205	156	169	183	146	135
Jura	44	70	56	48	45	66	72	50	65	52	70	41	37	64	45	48	60	61	64	52	52	62	53	33	47	41	40	32	58	60	50	45	50	52	43	33	38
Landes	77	75	91	77	97	114	79	77	79	78	82	73	67	76	67	79	72	81	65	73	63	74	64	63	60	68	80	72	80	75	85	63	72	51	62	56	47
Loir-et-Cher	66	88	74	42	56	69	90	72	58	70	75	53	58	59	70	52	79	77	54	63	49	59	50	59	56	50	40	58	61	59	61	51	52	42	44	47	61
Loire	145	166	191	130	205	205	163	147	173	153	171	141	128	151	124	132	150	169	148	130	151	128	142	104	124	157	123	140	143	149	169	125	114	133	126	114	116
Haute-Loire	46	48	56	34	44	45	54	47	47	32	56	36	24	37	39	37	49	39	29	38	33	36	40	25	24	36	27	26	38	30	39	35	40	29	35	34	28
Loire-Atlantique	208	207	192	177	218	247	206	186	176	181	205	161	147	194	159	168	175	178	162	167	133	149	187	144	152	169	159	151	161	195	168	172	126	124	137	114	128
Loiret	125	178	174	143	182	206	182	159	164	148	179	147	137	162	138	125	155	172	146	132	122	125	154	126	121	140	140	105	139	124	150	137	132	144	114	98	111
Lot	25	46	41	31	45	40	36	31	29	26	34	22	34	27	27	22	32	39	31	30	25	22	29	21	35	22	22	34	32	40	41	30	30	28	36	22	32
Lot-et-Garonne	80	71	99	77	94	103	60	82	83	81	108	87	47	87	89	75	97	92	91	57	60	57	78	73	53	75	63	59	82	83	74	61	71	83	80	83	48
Lozère	8	4	13	9	10	13	11	8	10	11	8	8	11	11	9	7	8	10	6	9	7	6	4	5	5	7	9	4	7	11	11	6	4	5	2	2	7
Maine-et-Loire	96	142	127	99	138	160	137	109	149	126	142	111	104	121	109	115	111	145	126	116	117	93	126	100	95	99	119	94	105	111	115	96	106	107	109	85	75
Manche	91	93	97	73	103	90	93	80	81	83	107	112	62	102	83	83	98	84	75	91	75	78	97	68	76	102	76	60	77	99	95	68	58	64	64	74	56
Marne	132	132	153	136	171	149	145	113	127	113	156	119	113	137	116	106	141	159	125	121	108	99	129	94	110	136	129	103	125	142	125	102	95	112	114	86	105
Haute-Marne	46	46	53	32	49	51	57	46	36	37	44	49	38	51	45	41	54	52	45	33	28	35	34	30	41	48	53	30	46	46	53	33	22	55	34	33	34
Mayenne	66	53	69	44	49	84	60	49	70	64	54	54	52	61	64	52	67	60	74	56	65	50	55	37	57	61	46	58	42	49	63	55	41	62	55	35	43
Meurthe-et-Moselle	130	150	169	128	180	190	170	149	133	135	160	161	120	144	145	122	143	179	117	127	114	127	154	106	133	144	138	119	157	136	150	126	95	117	132	129	139
Meuse	32	46	50	30	47	46	37	27	40	47	50	37	45	41	45	36	41	44	37	33	28	20	38	27	40	40	36	31	38	40	38	39	26	32	35	27	38
Morbihan	109	112	126	96	122	132	112	98	108	92	111	99	93	117	100	104	118	100	99	94	85	91	104	105	86	97	80	99	113	108	98	91	65	83	77	61	78
Moselle	180	222	167	180	177	213	206	171	148	166	192	147	138	200	160	133	159	161	171	121	127	118	144	125	142	145	121	120	138	166	125	112	97	133	134	107	116
Nièvre	59	48	57	44	57	48	69	57	52	43	60	52	54	48	58	63	48	54	53	47	40	43	50	55	36	46	44	32	47	64	54	54	39	61	53	61	44
Nord	771	814	851	691	938	994	870	728	745	689	879	718	715	839	715	734	840	881	735	665	656	588	765	600	647	749	680	692	781	828	733	610	580	679	687	571	652
Oise	159	195	231	161	202	240	241	174	152	161	204	175	178	211	161	142	184	184	182	157	152	165	228	137	174	170	155	156	174	191	163	167	144	183	172	110	142
Orne	75	80	61	57	66	69	75	61	63	46	67	66	52	72	59	50	65	64	59	61	49	53	62	44	48	68	65	48	68	79	71	59	55	51	75	50	52
Pas-de-Calais	452	449	497	433	547	573	487	470	410	449	579	477	420	537	475	438	510	516	455	411	419	401	462	415	379	486	486	440	494	499	521	431	354	360	452	375	408
Puy-de-Dôme	121	154	140	118	139	144	137	135	118	128	120	79	104	109	102	94	122	112	103	108	88	102	94	86	101	123	94	98	105	109	113	103	94	117	107	89	89
Pyrénées-Atlantiques	99	98	112	92	116	146	104	106	111	104	134	102	85	120	105	102	119	116	107	99	87	109	91	80	101	100	84	117	117	104	130	75	88	114	100	80	81
Hautes-Pyrénées	49	48	48	42	63	65	53	43	41	40	70	39	32	49	51	52	62	37	33	49	48	44	41	40	40	42	32	45	45	37	32	45	28	26	39	31	43
Pyrénées-Orientales	123	132	137	103	136	140	129	114	130	107	136	90	97	111	112	104	125	131	104	109	102	81	100	90	92	110	105	109	124	118	113	107	98	103	98	82	88
Bas-Rhin	168	186	187	159	191	249	187	172	168	166	188	185	126	163	165	149	165	197	162	158	128	139	168	137	138	145	137	138	168	171	160	134	111	135	151	104	142
Haut-Rhin	129	172	212	150	177	212	187	123	142	156	146	156	125	162	150	122	156	151	161	132	130	121	121	119	127	146	118	106	142	175	119	94	102	106	131	133	95
Rhône	327	357	422	331	405	431	354	298	352	326	345	316	257	340	323	297	319	333	306	297	265	250	307	247	261	281	271	239	318	313	307	253	249	247	250	217	260
Haute-Saône	42	56	60	38	63	44	54	44	42	40	54	43	60	57	40	51	49	51	43	47	47	36	50	43	52	39	48	45	57	47	53	56	29	50	53	28	33
Saône-et-Loire	108	120	143	109	138	146	141	138	108	97	128	98	117	120	104	122	114	137	118	130	108	122	121	77	90	114	107	93	110	103	115	100	106	103	115	85	105
Sarthe	88	134	142	97	112	147	119	116	129	103	116	107	107	135	110	105	132	109	88	95	87	98	120	91	103	105	106	103	126	123	119	89	85	107	110	85	83
Savoie	57	58	78	46	66	65	71	69	66	45	64	69	60	53	64	40	66	68	60	49	42	57	69	48	44	53	53	43	66	51	58	60	51	64	56	37	49
Haute-Savoie	100	114	124	103	112	156	104	103	106	89	109	106	95	96	97	101	109	116	100	100	85	82	114	66	81	102	96	71	102	96	100	80	83	88	83	58	82
Paris	190	278	286	251	268	310	276	273	276	223	274	227	213	238	247	223	270	281	275	224	217	240	273	239	204	212	222	240	239	269	206	260	196	225	219	206	160
Seine-Maritime	323	348	361	296	341	412	392	346	321	305	348	331	268	380	322	310	363	387	328	315	299	260	373	272	288	345	334	327	332	328	371	310	316	284	311	265	308
Seine-et-Marne	254	263	292	267	319	350	316	248	253	245	293	223	191	289	217	237	304	245	247	234	206	210	243	224	194	237	262	233	259	246	243	217	199	207	219	178	212
Yvelines	231	238	262	219	289	289	278	240	260	241	251	244	214	243	242	201	231	244	227	219	213	176	213	171	201	207	223	213	216	254	217	194	215	208	214	155	199
Deux-Sèvres	53	76	94	68	96	106	60	76	76	66	96	76	71	92	93	71	77	77	75	67	38	62	73	49	67	67	52	64	67	57	54	68	58	39	68	54	62
Somme	148	166	173	133	159	188	175	125	131	135	155	147	134	150	150	131	157	152	151	126	108	135	157	124	138	135	110	130	178	155	159	144	125	128	140	112	106
Tarn	80	88	94	78	98	99	89	68	73	72	91	82	64	76	70	69	99	69	68	61	56	48	78	59	73	89	78	62	79	71	75	63	54	62	70	64	64
Tarn-et-Garonne	42	57	67	45	54	56	56	47	56	42	50	47	55	55	47	51	57	65	59	45	34	42	38	45	32	36	44	32	39	50	42	36	41	40	37	30	29
Var	241	247	284	242	298	311	288	271	303	236	312	249	196	273	227	243	279	283	261	233	218	216	230	201	191	225	228	196	228	246	257	242	174	195	208	189	166
Vaucluse	108	113	117	105	120	164	135	120	116	98	117	124	72	102	108	113	120	102	116	75	90	76	107	93	80	110	87	103	94	112	118	95	66	107	80	87	81
Vendée	104	95	121	79	113	149	137	114	118	100	109	107	85	115	84	90	93	124	90	94	93	99	101	76	83	91	85	76	90	101	106	87	77	73	85	63	65
Vienne	99	85	101	65	119	112	90	82	95	90	93	78	59	98	78	88	109	88	89	82	74	71	106	84	82	83	86	66	87	72	81	81	62	66	67	86	65
Haute-Vienne	81	86	84	63	109	106	90	68	63	68	84	71	66	95	63	58	95	59	86	79	65	63	83	60	49	91	56	57	73	71	65	75	49	72	76	59	65
Vosges	81	74	92	73	85	87	109	80	73	106	93	90	65	91	79	79	86	83	77	63	71	72	97	81	58	81	74	62	82	100	85	69	71	87	75	78	54
Yonne	85	89	117	76	93	114	100	83	86	86	97	95	79	95	85	84	87	108	93	75	73	73	100	79	67	69	77	71	70	86	85	69	68	71	81	65	66
Territoire de Belfort	32	37	36	29	36	39	46	26	40	39	30	35	22	35	33	30	42	29	44	31	29	22	33	29	32	36	30	30	26	31	36	26	29	38	23	18	30
Essonne	222	282	276	252	310	290	276	242	245	256	255	219	211	256	206	220	250	255	239	251	214	201	234	178	184	217	184	196	228	213	197	218	151	193	206	181	180
Hauts-de-Seine	205	243	258	207	249	282	255	220	225	208	245	196	184	246	201	202	236	244	206	186	206	169	202	171	163	158	170	203	224	214	199	193	155	200	174	139	155
Seine-Saint-Denis	275	326	331	284	342	360	329	309	286	285	299	293	256	256	337	276	313	311	283	260	224	229	302	209	265	197	230	242	281	287	264	211	197	216	246	211	208
Val-de-Marne	212	264	236	211	300	291	229	256	236	207	242	225	190	212	197	225	247	241	223	225	206	177	215	166	182	212	175	181	202	217	216	212	159	199	194	168	159
Val-d'Oise	197	231	233	193	242	256	235	224	211	190	239	197	171	202	201	198	236	210	186	179	164	175	188	174	167	188	156	183	178	222	186	178	139	157	167	141	138

Latest reading

Over-indebtedness applications filed stood at 11,994 Number in Aug 2026. That is −10.9% from Jul 2026 and +12.1% from a year earlier. The series on this page is monthly and runs from Jan 2019 to Aug 2026. Source: Banque de France – Webstat (webstat.banque-france.fr).

Latest: 11,994 Number; Aug 2026
vs previous period: −10.9%; Jul 2026
vs a year earlier: +12.1%

About this data

France's monthly over-indebtedness applications and financial inclusion indicators by département. This dataset from the Banque de France tracks monthly filings, credit repayment incident registrations (FICP), and central cheque file records (FCC). It also includes designations under the right to a bank account and individuals supported. The figures are provided as absolute numbers since 2019.

Frequently asked questions

What is an over-indebtedness application in France?: An over-indebtedness application is a formal request filed by an individual with a Banque de France commission to find a solution for debts they cannot repay.
What do FICP and FCC stand for in French banking?: FICP is the national file on household credit repayment incidents, while FCC is the central cheque file. Both are managed by the Banque de France to track payment incidents.
What is the right to a bank account in France?: The right to a bank account (droit au compte) is a French legal procedure where the Banque de France designates a bank to open a basic account for someone refused service elsewhere.
How often is the French over-indebtedness data updated?: The Banque de France updates these financial inclusion and over-indebtedness statistics on a monthly basis, with regional and département breakdowns available since 2019.