Livret A, Electricity, Crypto Taxation: The Reforms of Summer 2026 That Impact Your Wallet

When the cat's away, the mice will play. August 1st, a day of great traffic on the roads, and a small shuffle in the Official Journal. A handful of measures came into effect this first weekend of August for 58 million French people, with good news regarding savings and a slightly colder shower on electricity bills, not to mention a new chapter for French crypto taxation. Nothing is hidden in these texts; everything is published in black and white on economie.gouv.fr. However, the timing is not coincidental. Key points of this article: * August 1st marked significant changes for 58 million French people, with an increase in the Livret A interest rate and a rise in electricity tariffs. * Discreet measures were also taken in the crypto asset sector, including the end of the transitional period of the MiCA regulation and the ratification of the CARF agreement by the Council of Ministers. The Livret A rate rises from 1.5% to 1.7% on August 1st, just like the rates for the Livret de Développement Durable et Solidaire and the Livret Jeune. This increase directly benefits popular savings. Meanwhile, France Info details an average increase of 2.5% in regulated electricity tariffs, which translates to about 26 euros more per year for a household consuming 4.5 megawatt-hours. The price of gas, on the other hand, has slightly decreased, compensating for the increase without upsetting anyone too much. Each of these measures followed a perfectly normal process, with decrees or orders published in advance and technical debates conducted properly. However, early August remains, year after year, the time when media and parliamentary attention hits its lowest point. Deputies are in their constituencies, newsrooms are operating at a slow pace, and a figure that would have made headlines in March quietly slips between two weather reports about heatwaves. Cryptos have had their own discreet timeline This mechanism does not spare the crypto ecosystem; quite the opposite. On July 1st, without much fanfare, the transitional period of the European MiCA regulation ended: since that date, any service provider in crypto assets must hold a MiCA approval issued by the AMF or another European authority to continue serving clients in France. This text has reshaped the map of authorized crypto platforms, with a concrete impact on millions of users, yet it has been commented on significantly less than a debate about pensions. Another matter that passed quietly on July 27th: the Council of Ministers approved the ratification of the OECD CARF agreement, which organizes the automatic exchange of information on crypto assets between tax administrations worldwide. Your transactions on a foreign platform will soon enter a file accessible to the French tax authorities, a fundamental change that deserves more than a brief mention during the holiday season. When crypto taxation tries its luck out of season A sign that the sector has understood the mechanics of the summer calendar well, a bill was submitted to the National Assembly on July 24th, led by Deputy Paul Midy and 91 parliamentarians, to align crypto taxation with that of stocks. The text aims to allow capital losses to be carried forward for ten years and to only tax airdrops at the time of their resale. Submitting a text during the summer lull is never ideal for ensuring media coverage, but it allows time for technical discussions to mature before the parliamentary return. Nevertheless, the sum of these texts—MiCA, CARF, Midy’s proposal—paints a much broader movement than a mere coincidence of timing. French crypto regulation is advancing in small steps, often during quiet periods, and finds itself consolidated each time before the public debate has had time to engage with it. Summer, the most productive season for the administration The paradox deserves to be highlighted: while France slows down, the state apparatus continues to operate at full speed on technical texts. Livret A, electricity, MiCA, CARF, crypto taxation: five files, one time window, one logic of discretion, whether assumed or not. The next step will take place at the parliamentary return, when lawmakers will revisit the Midy file and the general public will often discover, after the fact, the extent of what has been decided while they were elsewhere.

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