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On June 8, 2023, the Orléans Court of Appeal issued an original and very well-argued ruling on electronic signatures (RG No. 22/00539), concerning a personal credit contract between Carrefour Banque and a borrower.
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On April 20, 2023, the Versailles Court of Appeal issued a decision (RG No. 22/04814) by which it recognized the validity of the electronic signature of an account agreement concluded between the Caisse de Crédit Mutuel d'Erquy-Pleneuf and a consumer, but on the basis of a totally astonishing motivation.
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The Social Chamber of the Court of Cassation issued a judgment on March 8, 2023 (Social Chamber No. 21-12.492) recalling, in reference to point (4) of the introduction to the GDPR, that "the right to the protection of personal data is not an absolute right and must be considered in relation to its function in society and balanced against other fundamental rights, in accordance with the principle of proportionality."
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The rulings handed down in early September 2020 by the Toulouse (CA Toulouse, 3rd Ch., 4 September 2020, RG n°19/01990) and Lyon (CA Lyon, 6th Ch., 3 September 2020, RG n°19/06466) Courts of Appeal place a significant emphasis on the certification of the signature solutions implemented. However, it is still necessary to understand the scope of these certifications and their real impact on the reliability of the electronic signature.