Brokerage
Penalties applicable to intermediaries and financial investment advisers
By Charlotte GAUCHON18 June 2025The atypical nature of the property investment sector attracts many savers looking for a return. However, this world is strictly regulated to protect investors. General property intermediaries (GPIs) and financial investment advisers (FIAs) operating in this market are subject to specific rules, failure to comply with which can have severe consequences. Understanding the regulatory framework for intermediaries in general merchandise is a first step, but it is just as fundamental to know the nature and scope of the applicable penalties. This article details the criminal and disciplinary risks incurred by professionals who fail to meet their obligations. In addition to administrative sanctions, the most serious breaches of the regulations governing intermediaries in general goods expose their perpetrators to criminal prosecution. The Monetary and Financial Code (CMF) provides for a wide range of penalties...
Miscellaneous goods intermediaries: the complete guide to AMF regulations
Brokerage, Banking and securities lawAtypical investments - wine, works of art, diamonds, containers, manuscripts - attract investors seduced by the promise of high returns. This opaque world is governed by strict regulations, overseen by the Autorité des marchés financiers (AMF), designed to protect investors. Intermediaries in various goods (IBD), investment advisers...Refusal of a mortgage loan: the essential role of the broker and the evidence required for the suspensive condition
Brokerage, Banking and securities lawObtaining a mortgage is often the last and most stressful stage in the process of bringing a life project to fruition. A bank's refusal may seem like an abrupt halt, but when it comes to buying a property, the legal consequences depend very much on the way in which the search for...IOBSPs: what are their obligations to inform and gather information from their customers?
Brokerage, Banking and securities lawIntermediaries in banking and payment services, better known by their acronym IOBSP, are key players in the financial landscape for many individuals and businesses. Whether they are mortgage brokers or agents, their role is to help you find the right mortgage solutions.Remuneration of IOBSPs and TEG/TAEG: the financial and legal issues for borrowers
Brokerage, Banking and securities lawThe remuneration of a banking and payment services intermediary (IOBSP), whether a broker or agent, is a key issue for any borrower. Far from being a mere technical detail, it has a direct influence on the total cost of credit and can become a source of dispute. The complexity...Banking and payment services intermediaries (IOBSP): a comprehensive guide to their legal obligations and case law
Brokerage, Banking and securities lawYour bank refuses to lend you money, your broker has only made one offer, your brokerage fees have caused the APR to soar: these are common situations that call into question the legal obligations of the intermediary in banking and payment services (IOBSP). This professional - broker, exclusive agent...
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