This charter is built on a typical journey for a Fintech to obtain an authorization, from its first contact with the ACPR to the notification of the College’s decision.

For each major step (Parts 1 to 4), it lists the principles governing the ACPR’s action (on the deadlines, in particular) as well as expectations vis-à-vis the project initiators applying for authorisation.

Three more specific parts complement the Charter:

• Part 5 deals with the granting of an exemption from authorisation;
• Part 6 addresses the registration of payment service providers’ agents;
• Part 7 refers to the joint ACPR-AMF process for registering digital asset service providers. This section is only descriptive.