The Autorité de Contrôle Prudentiel et de Résolution (ACPR) is the French financial regulatory authority responsible for supervising banks, insurance companies, and financial markets. Operating under the Banque de France, the ACPR ensures the financial stability, compliance, and risk management of institutions operating in France.
The ACPR’s mission is to maintain the soundness of the financial sector, ensuring that banks and insurers operate in a secure, transparent, and consumer-friendly manner. It enforces anti-money laundering (AML) laws, prudential regulations, and market integrity across France’s financial landscape.
• Supervising banking and insurance institutions to prevent systemic risks.
• Ensuring financial stability and consumer protection through risk assessments and compliance checks.
• Monitoring AML and counter-terrorism financing (CFT) compliance across financial entities.
• Managing banking resolution mechanisms to handle failing institutions without destabilizing the economy.
The ACPR collaborates with:
• The European Banking Authority (EBA) in implementing EU-wide financial rules.
• The Financial Markets Authority (AMF) in regulating securities and investment services.
• The European Central Bank (ECB) for direct supervision of major banking institutions under the Single Supervisory Mechanism (SSM).
The ACPR is known for its strict compliance requirements, particularly in areas such as capital adequacy, liquidity management, and operational resilience. It plays a major role in enforcing regulations like DORA, CRD6, and AMLD5, ensuring that financial institutions in France align with both national and EU-level regulatory standards.
