Gavalda, the CEO of Credit Agricole who assumes his new lobbying role in September, argued that banks face two primary hazards: candidates failing to reach the 5% vote threshold required for state reimbursement, and the potential rejection of campaign accounts by regulators. He stated that without government intervention, such as direct funding or robust guarantees, lenders will continue to shy away from financing political bids.

This proposal arrives as Marine Le Pen and her National Rally party seek funding for the 2027 election, having long claimed that French lenders shunned them due to the party's far-right image. Gavalda emphasized that this is a broader democratic issue affecting parties across the spectrum, including the hard-left LFI. The government of Prime Minister Sebastien Lecornu is currently examining a risk-sharing scheme between the state and financial institutions. To mitigate reputational damage, Gavalda suggested that banks should pool their resources to prevent any single lender from appearing to endorse a specific candidate.