The French Financial Markets Authority and the Prudential Supervision and Resolution Authority published the 2024 annual report of their joint Banking, Insurance and Savings unit, summarising consumer protection work across banking, insurance and financial services and outlining priority issues for 2025-2026, including the EU Savings and Investment Union and simplifying the investor customer journey. Against a rise in financial scams, the authorities added nearly 1,460 unauthorised sites or actors to one of ABE Infoservice’s six blacklists, ran the “Scam or Not? – Le Mag Info” campaign with more than 3 million views, and reviewed 2,200 advertisements across traditional and digital channels. The unit also coordinated supervisory inspections focused on retail distribution and initiated a retrospective study in 2024 of how practices such as advice have evolved over the past five years to identify recurring difficulties in applying rules. Priority work in 2024-2025 includes a mapping of structured products marketed to French savers in 2021-2023, in a market that saw EUR 42 billion of net inflows in 2023 versus EUR 23 billion in 2021, with follow-on analysis planned on fee structures and marketing rules. The report also describes work on a simplified-regime category of alternative investment funds accessible to retail clients via life insurance, particularly real estate funds, and joint preparations for the European Accessibility Directive, which applies from 28 June 2025.

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