By Raphaël MORENON
11 June 2025
The 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 of the applicable rules, combined with uncertainties in the case law concerning its inclusion in the Annual Percentage Rate of Charge (APR), makes this a particularly sensitive issue. Understanding the framework governing these professionals is therefore an essential first step, as we detail in our guide to the obligations of IOBSPs. This article aims to clarify the principles of this remuneration and its practical implications for you, the borrower. Understanding IOBSP remuneration: principles and prohibitions The law strictly regulates the way in which an IOBSP can be remunerated. The aim of these rules is to protect borrowers by ensuring a degree of transparency and preventing...
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