The Autorité de Contrôle Prudentiel et de Résolution (ACPR) — the Prudential Supervision and Resolution Authority — is France's integrated financial sector supervisor. Operating under the umbrella of the Banque de France, the ACPR holds a dual mandate that is uncommon among European national competent authorities (NCAs): it supervises both the banking sector (établissements de crédit, entreprises d'investissement) and the insurance and reinsurance sector (organismes d'assurance, mutuelles, institutions de prévoyance) within a single institution.
For compliance officers and risk managers at French institutions, this dual scope means a single supervisor that enforces the full stack of European Banking Authority (EBA) and European Insurance and Occupational Pensions Authority (EIOPA) reporting frameworks — plus additional French-specific requirements that have no equivalent in other EU jurisdictions. Getting the reporting architecture right is therefore not optional: it is a direct condition of authorisation and ongoing supervisory standing.
