Authority and scope
Sections ↑The ACPR is the French authority responsible for prudential oversight of banking and insurance, supported by the Banque de France. Its responsibilities include authorisation, customer protection, anti-money-laundering supervision and resolution, within the European banking supervision and resolution framework.[1]
Authority and register scope
| Item | Verified scope | Practical use |
|---|---|---|
| Prudential supervision | Banks, insurers and relevant intermediaries | The authority can investigate compliance and impose administrative measures or sanctions.Source 1 |
| REGAFI since July 2026 | Combined public register for banking and insurance | Launched on 1 July 2026, replacing the previously separate REGAFI and REFASSU searches.Source 2 |
| Current information | Authorised actors and their permitted activities; updated daily | A record must be read with its entity category and authorisation status.Source 2 |
| Public data access | Search, entity and authorisation datasets | The public API provides separate named-entity and permission records.Source 4Source 3 |
Registers and permission checks
Sections ↑Match the contractual company first, then inspect its authorisation and services. A CIB identifies the regulated banking or investment-services record; the company registration number and a separate insurance-intermediary registration serve different purposes. A familiar trading name alone does not establish which company holds the assets.[5]
Checks that belong together
| Check | What to inspect |
|---|---|
| Legal identity | Denomination, commercial names, country and the CIB or entity reference.Source 4 |
| Permission scope | Active authorisation, entity category, investment-service permissions and custody habilitations.Source 4 |
| Insurance intermediary | Use the appropriate intermediary register where applicable; an ORIAS registration does not replace bank or investment-firm authorisation.Source 5 |
This directory records selected firms checked on the stated date. It does not reproduce every permission, European passport or later change. The official REGAFI record remains the appropriate source for a fresh check before relying on a specific regulated activity.[2][4]
Check the exact legal entity, permissions, current status and scope in the official record. A brand connection in our coverage does not establish authorisation.
Client assets and protections
Sections ↑Securities held in custody remain the customer’s property. A custodian’s failure therefore does not automatically mean the securities have disappeared or that the compensation ceiling becomes the value of the entire portfolio. FGDR intervention concerns qualifying assets the institution cannot return, with failure established by ACPR after AMF’s opinion under the applicable framework.[8]
Complaints and redress
Sections ↑ACPR does not intervene to settle an individual banking or insurance dispute. Write to the provider’s complaint service and use the designated mediator where the dispute falls within that mediator’s remit. Information sent to ACPR can inform supervision, but it is not an application for an individual compensation award. Banque de France’s dispute guidance helps identify the appropriate sequence and venue.[6][7]
Route the issue by the requested outcome
| Subject | What it means |
|---|---|
| Firm explanation or correction | Use the contractual provider’s complaint process and retain its response.Source 7 |
| Independent redress | Identify the relevant mediator for the bank, insurance or investment issue; the ACPR and AMF have different functions.Source 6Source 7 |
| Suspected breach | Provide evidence through the appropriate reporting channel. The professional whistleblowing process has its own scope.Source 6Source 9 |
Compensation and firm failure
Sections ↑French failure protection depends on the asset holder
| Subject | What it means |
|---|---|
| Missing eligible securities | FGDR securities protection is capped at EUR 70,000 per customer and institution.Source 8 |
| Associated cash at an investment firm | A separate EUR 70,000 cash ceiling applies under the published framework.Source 8 |
| Associated cash at a bank | It is included with other covered deposits under the EUR 100,000 deposit ceiling.Source 8 |
| Market or management loss | A price decline or poor management is not a qualifying custody shortfall.Source 8 |
Official contacts and resources
Sections ↑French dispute guidance
Scope Banking/insurance complaint guidance and supervisory boundaries.
Scope Find the firm-first and mediation route for the type of dispute.
Make a complaint about a professional
- Responsible body
- Autorité de contrôle prudentiel et de résolution
- Scope
- ACPR does not resolve private bank/insurance disputes; reports inform supervision.
- Resource availability
- Available
- Checked
- Source 6
What to do in a banking or insurance dispute
- Responsible body
- Banque de France
- Scope
- Firm complaint and relevant mediation route.
- Resource availability
- Available
- Checked
- Source 7
FGDR investor compensation for securities
- Responsible body
- Fonds de Garantie des Dépôts et de Résolution
- Scope
- Ownership, inability to return, ACPR trigger after AMF opinion; EUR70,000 securities and cash distinctions.
- Resource availability
- Available
- Checked
- Source 8
Report a breach or infringement to ACPR
- Responsible body
- Autorité de contrôle prudentiel et de résolution
- Scope
- Professional whistleblowing/reporting route is distinct from a customer dispute.
- Resource availability
- Available
- Checked
- Source 9
Resource availability describes the documented route. It does not establish eligibility, authorisation or compensation coverage.
Report misconduct, scams or a clone
Sections ↑This profile has not yet established the applicable procedure, receiving body and eligibility for this task. Consult the authority’s official resources and check your firm, product and circumstances before acting.
Sources & further reading
- ACPR institutional role and supervisory remit Autorité de contrôle prudentiel et de résolution · Accessed 11 Oct 2026
- Launch of the combined banking and insurance REGAFI register Autorité de contrôle prudentiel et de résolution · 1 Jul 2026 · Accessed 11 Oct 2026
- REGAFI public API documentation Autorité de contrôle prudentiel et de résolution · Accessed 11 Oct 2026
- REGAFI public dataset catalogue Autorité de contrôle prudentiel et de résolution · Accessed 11 Oct 2026
- AMF guidance on checking financial intermediaries Autorité des marchés financiers · Accessed 11 Oct 2026
- Make a complaint about a professional Autorité de contrôle prudentiel et de résolution · Accessed 15 Oct 2026
- What to do in a banking or insurance dispute Banque de France · Accessed 15 Oct 2026
- FGDR investor compensation for securities Fonds de Garantie des Dépôts et de Résolution · Accessed 15 Oct 2026
- Report a breach or infringement to ACPR Autorité de contrôle prudentiel et de résolution · Accessed 15 Oct 2026
A documented resource is not a finding of eligibility or compensation coverage. Consult the named body and current official terms for your firm, product and circumstances.
Report an error or submit an update
Covered broker profiles
Profiles connected to this authority in our coverage. This is not a complete official register or a list of approved brokers; see each entity’s dated status.
Bourse Direct
A detailed French profile of Bourse Direct’s individual and corporate accounts, domestic and foreign charges, programmed investing, SRD and derivatives, transfers, client-asset protection, insurance contracts and dated source conflicts.
- Operating status
- Active
- Headquarters
- Paris, France
- Sources checked
- 11 Oct 2026
BoursoBank
A detailed French guide to BoursoBank’s bank-linked securities accounts, PEA family, Boursomarkets, business investing, SRD, transfer terms, recurring funds, BoursoFirst, insurance and retirement services.
- Operating status
- Active
- Headquarters
- Boulogne-Billancourt, France
- Sources checked
- 11 Oct 2026
Fortuneo
A comprehensive French profile of Fortuneo’s account eligibility, domestic and international dealing costs, intelligent orders, transfer rules, ProCapital operating arrangement, discretionary portfolios, life insurance and retirement contract.
- Operating status
- Active
- Headquarters
- Courbevoie, France; REGAFI address discrepancy disclosed
- Sources checked
- 11 Oct 2026