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​Because of its status as a société de crédit foncier, Caisse Française de Financement Local is subject to the oversight of several supervisory bodies.

  • Autorité de contrôle prudentiel et de résolution
  • Autorité des marchés financiers
  • Statutory auditors
  • Specific controller

Autorité de Contrôle Prudentiel et de Résolution

  • ACPR conducts its control through the various documents submitted quarterly by Caisse Française de Financement Local,
  • ACPR ensures compliance with banking regulations and specifically to Sociétés de Crédit Foncier,
  • It is also authorized to inspect the company on site,
  • SFIL group is supervised by the European Central Bank.

Autorité des marchés financiers

  • The issuance program of Caisse Française de Financement Local is registered in Paris under the supervision of the Autorité des marchés financiers and is benefiting of a passporting in Luxembourg under the supervision of the Commission de surveillance du secteur financier.
  • Terms of control: See article L.621-8-1 of the Monetary and Financial Code.
  • Caisse Française de Financement Local has chosen the Autorité des marchés financiers as the competent authority for the control of the compliance with its obligations regarding regulated information.

Statutory auditors

  • ​As a credit institution, Caisse Française de Financement Local is subject to audit by two statutory auditors, each of whom comes from an independent firm.
  • Audits on financial statements are conducted biannually.

Specific controller

  • A specific controller, who is appointed with the approval of the Autorité de contrôle prudentiel et de résolution, ensures compliance with current legislation, especially:
  • the eligibility of assets, as defined in current legislation,
  • a sufficient level of congruence in maturities and interest rates,
  • respect of the over-collateralization ratio (more than 105%),
  • its mission is permanent.
  • The specific controller certifies that assets cover liabilities wheneverobligations foncières are issued. This certification makes it possible to mention the legal privilege in every issue contract.

Last update 14/04/2023