National ACPR Regulatory Frameworks
The ACPR (Autorité de Contrôle Prudentiel et de Résolution) enforces a set of national regulatory frameworks specific to financial institutions operating in France. These frameworks go beyond EU-wide directives to address local supervisory needs, risk monitoring, and sectoral oversight.
They apply to a wide range of regulated entities — including banks, credit institutions, payment service providers, and covered bond issuers — and form the foundation of France’s prudential and financial reporting architecture.
Who is concerned?
- French banks and credit institutions
- Investment firms and branches of foreign banks
- Sociétés de Crédit Foncier (SCF) and SFH
- Payment and e-money institutions under ACPR license
What do these frameworks cover?
- Liquidity risk supervision (InfoLiq)
- Business segmentation and balance sheet reporting (RUBA)
- Mortgage credit production and profitability (Immo / RENTIMMO)
- International exposures and country risk (Engagements)
- Payment systems and fraud tracking (OSCAMPS)
- Anti-money laundering controls and internal compliance (LCB-FT)
- Sector-specific obligations like covered bonds (SCF)
How are these enforced?
- Through mandatory reporting cycles (monthly, quarterly, annual)
- Submissions via the eSURFI platform or XBRL/CSV file uploads
- Monitored directly by ACPR supervision teams for compliance, data quality, and risk alerts
- Often aligned with European initiatives, but designed to address French-specific risks and regulatory needs
These national frameworks are essential for institutions to stay compliant with ACPR expectations and avoid regulatory breaches. They provide granular insights into liquidity, credit, operations, and governance not fully captured by EU-level reporting like COREP or FINREP.
