• ACPR
    ACPR
    • News
    • About the ACPR
      About the ACPR
      • Tasks
      • History
      • Contact details
    • Organisation
      Organisation
      • Organisational chart
      • The general secretariat
      • Banking Supervision Directorates
      • Insurance Supervision Directorates
      • Authorisation Directorate
      • Supervision of Business Practises Directorate
      • International Affairs Directorate
      • Legal Affairs Directorate
      • Research Directorate
      • Resolution Directorate
      • Human Resources and Support Functions Directorate
      • Sanctions Committee Division
      • Property Project Director - Quality Control Division
      • The Fintech-Innovation Unit
      • Communication Division
    • Assignments
      Assignments
      • Ensuring the stability of the financial system
      • Operating within the SSM
      • Supervising the insurance sector
      • Strengthening customer protection and the stability and integrity of the financial sector
      • Providing an overall view of the financial system
    • Colleges and committees
      Colleges and committees
      • The Supervisory College
        The Supervisory College
        • Composition of the ACPR's Supervisory college
        • The plenary session of the College
        • The Sub-Colleges
        • Restricted session of the Supervisory College
        • Enforcement and protective measures
        • Calendar of the First Deputy Governor
      • The Sanctions Committee
        The Sanctions Committee
        • Composition of the Sanctions committee
        • Human and technical resources
      • The Resolution College
      • The consultative committees
      • The Scientific Consultative Committee
    • Budget
    • Annual reports
      Annual reports
      • The French banking and insurance market in figures
      • ACPR annual reports
    • Join us
  • Authorisation
    Authorisation
    • Register of financial institutions
    • Register of insurers
    • Authorisation Portal
    • Banking industry procedures
      Banking industry procedures
      • Licensing, authorisation and registration
        Licensing, authorisation and registration
        • Credit institution
        • Branches of third-country credit institutions
        • Finance company
        • Investment firm
        • Payment institution and account information service provider
        • Electronic money institution
        • Money changer
        • Financial holding company and combined financial holding companies
        • Agent providing payment services
        • Microcredit organisations
        • Representative office
        • Declaration of bank counters
      • Other changes to particulars
        Other changes to particulars
        • Situation changes of money changer
        • Payment institution and electronic money institution
        • Credit institutions, finance companies and investment firms other than portfolio management companies
      • European passports
      • Governance (banking procedures)
      • Licence withdrawal
      • General good rules
    • Insurance sector procedures
      Insurance sector procedures
      • Administrative regime
        Administrative regime
        • Administrative approval
          Administrative approval
          • Publication of the authorisation decision and monitoring of activities
          • Revocation of authorisation
          • Authorisation process
          • Applying for authorisation
          • Applicable regulations
          • About authorisation
        • European passport
        • Portfolio transfer
        • Merger without portfolio transfer
        • Substitution and amendments
        • SGAM, SGAPS and UMG affiliation
        • Change in share ownership structure
      • Governance (insurance prodedures)
        Governance (insurance prodedures)
        • Persons who effectively run the Undertaking or are responsible for other key functions
        • Articles of association
      • General Good Rules (GGR)
      • Own funds
        Own funds
        • Subordinated Loans
        • Ancillary own funds
        • Own funds items which are not included in the list of own funds items
      • Competent guarantee funds in the event of insurance undertakings failure
      • Technical provisions
        Technical provisions
        • Matching adjustment
        • Volatility adjustment
        • Transitional measure on the risk-free interest rates
        • Transitional measure on technical provisions
      • Solvency
        Solvency
        • Internal model
        • Specific parameters
        • Duration based equity risk
        • Equity risk
      • Supervisory reporting and transparency
        Supervisory reporting and transparency
        • Single ORSA
        • Single SFCR
        • Exemption from quarterly quantitative templates
        • Permission for non-disclosure of information in SFCR
      • Other approval processes
        Other approval processes
        • Retirement savings plans
        • Property assessments and valuations
        • Authorisation of certifiers
        • Association of actuaries
    • External auditors
    • Specific Controllers
    • Crowdfunding
    • Brexit
    • Fintech and Innovation
      Fintech and Innovation
      • The Fintech Innovation hub
      • The FinTech Forum
      • Fintech news
      • E-Learning
      • Charter for the appraisal of “Fintech” authorisation requests
  • Supervision
    Supervision
    • Systemic entities of the banking sector
  • AML/CFT
    AML/CFT
    • Presentation of AML-CFT checks and supervision
    • Relevant legislation for AML-CFT European-level regulatory references
  • Customer protection
    Customer protection
    • General Public
      General Public
      • Some information on Insurance, Bank or Savings? Consult ABE-Infoservice (ABEIS)
      • Submit a claim regarding a professional
      • Check if a professional is authorised / registered
      • Consult the ACPR warnings about frauds
    • Professionals
      Professionals
      • Unclaimed life insurance contracts
      • Regulation and business practices control
      • Reports
        Reports
        • Questionnaire on customer protection and business practices
        • Mandatory annual report regarding unclaimed life insurance and unclaimed pension products
        • Access to OneGate portal
        • Annex to the report on internal control for banking inclusion
      • If you are an intermediary
      • Collection of business practices
    • Duties of the ACPR and actions in favor of customer protection
      Duties of the ACPR and actions in favor of customer protection
      • Customer protection principles and missions of the ACPR
      • ACPR work in the field of customer protection
      • ACPR publications on customer protection
      • Compendium of Business Practices
  • Sanctions
    Sanctions
    • The disciplinary procedures
    • Jurisprudence
  • Resolution
    Resolution
    • Reinforced tools
    • The regulatory framework for resolution
    • The institutional framework for resolution
    • Prevention of bank crises
    • Management of banking crises
    • Protection of depositors in the event of a bail-in
    • Resolution funds financed by contributions from institutions
    • The resolution funds can be used to support resolution measures
    • Reference texts
    • Cooperation with foreign authorities
    • Resolution of insurance undertakings
  • Publications
    Publications
    • Studies and research
      Studies and research
      • Analysis and Synthesis (Analyses et synthèses)
        Analysis and Synthesis (Analyses et synthèses)
        • Study and report previous to 2012
      • Economic and financial debates
      • Research seminars and conferences
        Research seminars and conferences
        • Monthly seminars "chaire ACPR"
          Monthly seminars "chaire ACPR"
          • « The Impact of Legal Framework on Bank Loan Portfolio: An implementation to the European Stress Test Exercise »
        • ACPR research seminars
        • Academic conferences
          Academic conferences
          • Risk Taking in Financial Institutions, Regulation and the Real Economy
          • New Tools for Financial Regulation
          • Financial institutions after the crisis: facing new challenges and new regulatory frameworks
          • Financial Regulation – Stability versus Uniformity A focus on non-bank actors
        • Other events of ACPR Research Initiative « Regulation and Systemic Risks »
      • Statistics
        Statistics
        • The French banking and insurance market in figures
      • ACPR Research Initiative « Regulation and Systemic Risks »
        ACPR Research Initiative « Regulation and Systemic Risks »
        • Mission and governance
        • Founding members
        • Researchers
    • Conferences and media
      Conferences and media
      • Research seminars and conferences
      • ACPR conferences
    • Press releases
    • Speeches
    • Articles in the spotlight
    • Instructions
    • Discussion papers
    • Climate risk analysis and supervision
  • International
    International
    • Banks
      Banks
      • European regulation
        European regulation
        • European Banking Authority guidance
        • EBA Guidance table
      • Supervisory disclosure
        Supervisory disclosure
        • Rules and Guidance
        • Options and national discretions
        • Supervisory review
        • Statistical data
        • Contacts
    • Investment firms
      Investment firms
      • European regulation
      • Supervisory Disclosure
        Supervisory Disclosure
        • Rules and Guidance
        • Options and national discretions
        • Supervisory review
        • Statistical data
    • Cooperation and cross-cutting aspects
      Cooperation and cross-cutting aspects
      • Cooperation agreements
      • Supervisory colleges
      • Franco-Monegasque conventions
      • New Caledonia conventions
      • European System of Financial Supervision
    • Protecting customers across borders
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  • Home
  • ACPR

    ACPR

    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.

    • News
    • About the ACPR
    • Organisation
    • Assignments
    • Colleges and committees
    • Budget
    • Annual reports
    • Join us
  • Authorisation

    Authorisation

    The ACPR issues licensing and authorisations of banks, financial institutions and insurers

    • Register of financial institutions
    • Register of insurers
    • Authorisation Portal
    • Banking industry procedures
    • Insurance sector procedures
    • External auditors
    • Specific Controllers
    • Crowdfunding
    • Brexit
    • Fintech and Innovation
  • Supervision

    Supervision

    The Autorité de contrôle prudentiel et de résolution exercises ongoing supervision over all organisations in the banking and insurance sector.

    • Systemic entities of the banking sector
  • AML/CFT

    AML/CFT

    The financial sector is exposed to money laundering and terrorist financing risks. As such, it is subject to anti-money laundering and anti-terrorist financing (AML/CFT) provisions.

    • Presentation of AML-CFT checks and supervision
    • Relevant legislation for AML-CFT European-level regulatory references
  • Customer protection

    Customer protection

    The ACPR shall ensure the protection of customers policyholders, members and beneficiaries of entities subject to its supervision

    • General Public
    • Professionals
    • Duties of the ACPR and actions in favor of customer protection
  • Sanctions

    Sanctions

    The ACPR is responsible for investigating disciplinary proceedings and, where appropriate, imposing financial and / or disciplinary sanctions in case of irregularities

    • The disciplinary procedures
    • Jurisprudence
  • Resolution

    Resolution

    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.

    • Reinforced tools
    • The regulatory framework for resolution
    • The institutional framework for resolution
    • Prevention of bank crises
    • Management of banking crises
    • Protection of depositors in the event of a bail-in
    • Resolution funds financed by contributions from institutions
    • The resolution funds can be used to support resolution measures
    • Cooperation with foreign authorities
    • Reference texts
    • Resolution of insurance undertakings
  • Publications

    Publications

    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.

    • Studies and research
    • Conferences and media
    • Press releases
    • Speeches
    • Articles in the spotlight
    • Instructions
    • Discussion papers
    • Climate risk analysis and supervision
  • International

    International

    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.

    • Banks
    • Investment firms
    • Cooperation and cross-cutting aspects
    • Protecting customers across borders
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Professionals

The ACPR has the general mission of protecting customers in the banking and insurance sectors, in particular through the control of business practices. Professionals have also to act to protect their customers. Discover the principles of customer protection, our work and publications on this matter.

  • Unclaimed life insurance contracts

    Since 2011, the ACPR has accomplished a significant work on unclaimed life insurance contracts resulting in strong modifications of market practices in favour of beneficiaries of these contracts.

  • Regulation and business practices control

    The ACPR shall monitor the compliance with rules designed to ensure consumer protection, adequacy of procedures and means implemented to this end by institutions subject to its supervision.

  • Reports

    The ACPR shall ask professionals other than intermediaries to answer annually its questionnaire on customer protection and business practices. Banks and insurance undertakings shall also send it...

  • If you are an intermediary

    The ACPR may impose its supervision on any intermediary in banking transactions and in payment services, insurance intermediary or intermediary in crowdfunding.

  • Collection of business practices

    Collection of business practices ...

ACPR

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