The ACPR is responsible for the supervision of the banking and insurance sectors. It ensures the stability of the financial system and the protection of customers.
The ACPR issues licensing and authorisations of banks, financial institutions and insurers
The mission of the prudential supervision is to limit the impact of bank failures on financial stability, to protect depositors and to avoid the use of State aid.
The ACPR shall ensure the protection of customers policyholders, members and beneficiaries of entities subject to its supervision
The ACPR is responsible for investigating disciplinary proceedings and, where appropriate, imposing financial and / or disciplinary sanctions in case of irregularities
The objective of resolution is to minimise the impact of bank failures on financial stability, protect depositors and avoid the need for a state bail-out.
The ACPR communicates regularly on its activity through the publication of reference texts, thematic analyzes, studies and its review. Representatives of the ACPR are frequently involved in seminars and conferences.
Concerning the banking sector, the ACPR is a member of the main European and international bodies on banking and insurance, and therefore contributes actively to the definition of international standards and to the elaboration process of EU regulations. The ACPR contributes also to the definition and implementation of the European banking regulation. Since November 2014, the ACPR is a member of the Single Supervisory Mechanism (SSM) of the euro area runs also an active cooperation policy with its foreign peers.
The cross-sectional risk studies are analytical documents or commentaries of investigations carried out by the SG-ACPR on risks in the banking and insurance sectors.