A legal uncertainty surrounding crowdfunding. This is, in essence, what UFC Que Choisir denounces. The Consumer Association publishes on Monday, November 5, a detailed article on the seven main advertising platforms. And his report is alarming. The association denounces the lack of a legal protection framework for consumers investing in companies.

Reminders issued by the Autorité des Marchés Financiers in December 2017 had no impact on platforms.

Default rates rose 120% over the past 18 months, according to UFC Que Choisir. On all platforms, almost one in ten funded enterprises fails to pay installments to consumers.

Thus, almost one in five consumers are not reimbursed to Lendopolis (18.3%), while Unilend has exceeded this position (21.5%), while the chairman of the platform has imagined an incident rate of 2% maximum.

For consumers, investing in business financing is therefore unsafe and unprofitable. The European Parliament, which has addressed the issue today, will have to try to propose more restrictive legislation on advertising platforms.

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