“With great power comes great responsibility,” the saying goes.
It is for this reason that the legislator strictly regulates the activity of all financial intermediaries.
But despite the control of the authorities, the lure of profit attracts unscrupulous professionals, even real scammers.
Individuals who intend to entrust their savings or take out credit or insurance to an intermediary or broker must therefore be extra vigilant.
An official register as a reference
Forget overly tempting promises, door-to-door offers and touting advertisements: there is no such thing as a miracle investment offering a record rate of return. Likewise, before signing a contract that involves your money, be sure of the reliability of your interlocutor. This involves searching for opinions on the Internet and word of mouth, but also more formal checks.
Remember that any intermediary of financial products and services must be registered in the official register of Orias, dedicated to the insurance, banking and finance sector. Its 8-digit identification number must appear on its website, legal notices, commercial documents, etc. And this registration must be renewed each year. For greater security, it is better to consult this register yourself, which can be accessed free of charge on Orias.fr.
In addition, do not hesitate to take a look at the blacklist of suspicious companies published by the Prudential Control and Resolution Authority (ACPR) on Abe-infoservice.fr.
If it doesn't identify all the scams, it can still alert you.
More generally, this official portal provides advice and information to avoid scams.
A dedicated telephone line is also available at 34 14 (price of a local call).
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