Monaco's right-to-be-forgotten law now protects former patients
By Zak Jackson, MonacoViews Editorial
Legislation passed by the Conseil National in 2024 came into force on 19 June 2026, giving former patients greater access to bank loans and credit.
From 19 June 2026, former cancer patients and others with serious medical histories can apply for bank loans and credit in Monaco without being penalised for their past diagnoses. The legislation, passed by the Conseil National in 2024, introduces a formal right to be forgotten in the context of credit applications, meaning lenders can no longer require disclosure of certain illnesses once a defined period has elapsed since the end of treatment.
The law brings Monaco into line with measures already adopted in France, where similar protections have helped thousands of recovered patients access mortgages and consumer credit on equal terms. For residents of the Principality who have gone through treatment for serious illness, the change removes a significant and often silent barrier to financial planning, whether that means buying property, starting a business or simply securing a personal loan.
The Conseil National framed the reform around a straightforward principle: recovery from illness should not become a permanent financial handicap. The right to be forgotten applies after set time limits that vary according to the condition and the age at which the person was diagnosed, with shorter qualifying periods for those treated as children.