Law of 6 November 2025 to Strengthen the Fight Against Bank Fraud
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This French law, enacted on 6 November 2025, significantly reinforces the legal and institutional framework for combating payment fraud, with a particular focus on SEPA payment fraud and cheque fraud. The legislation introduces a range of new tools designed to improve detection, prevention, and coordination between financial institutions and public authorities. The centerpiece of the law is the creation of a National Registry of Accounts Flagged for Fraud Risk (FNC-RF — Fichier National des Comptes signalés pour Risque de Fraude). This centralized database will aggregate banking coordinates of accounts deemed suspicious, enabling banks and relevant authorities to cross-check transactions and identify fraudulent actors more efficiently. By centralizing fraud-related intelligence at the national level, the law aims to close coordination gaps that previously allowed fraudsters to exploit siloed information across institutions. Banks will be required to report suspicious accounts to the registry, and will also be able to query it before processing certain transactions. The law represents a structural shift in how France manages payment security, moving from reactive individual institution responses to a proactive, shared national infrastructure. It is part of a broader European push to reduce payment fraud in the SEPA zone.
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Key Changes
- Creation of the FNC-RF (Fichier National des Comptes signalés pour Risque de Fraude), a national centralized registry of bank accounts flagged as suspicious for fraud risk
- Banks are required to report accounts identified as suspected fraud risks to the FNC-RF registry
- Banks may query the FNC-RF before processing certain payments to prevent fraudulent transactions
+ 3 more changes with Pro
Obligations
What this law requires
Banks must report suspicious accounts to the National Registry of Accounts Flagged for Fraud Risk (FNC-RF)
Banks must query the National Registry of Accounts Flagged for Fraud Risk (FNC-RF) before processing certain transactions
Financial institutions must maintain and share banking coordinates of flagged accounts with the centralized national database (FNC-RF)
Financial institutions and public authorities must participate in cross-checking transactions against the National Registry of Accounts Flagged for Fraud Risk to identify fraudulent actors