{"id":15270,"date":"2022-02-14T08:28:57","date_gmt":"2022-02-14T07:28:57","guid":{"rendered":"https:\/\/uat.banquerichelieufrance.com\/informations-reglementaires\/"},"modified":"2026-02-25T11:55:15","modified_gmt":"2026-02-25T10:55:15","slug":"regulatory-information","status":"publish","type":"page","link":"https:\/\/banquerichelieufrance.com\/en\/regulatory-information\/","title":{"rendered":"Regulatory information"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"15270\" class=\"elementor elementor-15270\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-67ab129 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"67ab129\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-1743df8\" data-id=\"1743df8\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-808139e elementor-widget elementor-widget-spacer\" data-id=\"808139e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-cd7612b\" data-id=\"cd7612b\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdf61b0 elementor-widget elementor-widget-spacer\" data-id=\"cdf61b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-563c92a elementor-widget elementor-widget-heading\" data-id=\"563c92a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><b>Regulatory<\/b> Information<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6100c9 elementor-widget elementor-widget-spacer\" data-id=\"d6100c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-particle_enable=\"false\" data-particle-mobile-disabled=\"false\" class=\"elementor-section elementor-top-section elementor-element elementor-element-524c5b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"524c5b9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a335f21\" data-id=\"a335f21\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c87b4ce elementor-widget elementor-widget-spacer\" data-id=\"c87b4ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98309d5 elementor-widget elementor-widget-accordion\" data-id=\"98309d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1591\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1591\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Overview of the rates of the main products, services and everyday banking operations<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1591\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1591\"><p>For the sake of transparency and in order to allow you to compare banking rates, Banque Richelieu France hereby provides you with rates applied by our Institution with regard to the \u201cstandard market rates\u201d identified by the Financial Sector Advisory Committee (CCSF).<\/p><p>The rates below exclude package deals and any other special offers or rates specific to certain customers.<\/p><p>Online banking services (Online banking services) : free of charge<br \/>Not including Internet service provider costs.<\/p><p>Rate of a product offering SMS alerts on the status of the account : not offered<\/p><p>Account fees :\u00a0<strong>500 \u20ac TTC<\/strong><\/p><p>Immediate international debit card fees: not offered<\/p><p>Deferred international debit card fees :<br \/>Capitol Infinite Club Visa :\u00a0<strong>500 \u20ac\/year<\/strong><br \/>Capitol Elite Club Mastercard :\u00a0<strong>500 \u20ac\/year<\/strong><br \/>Capitol Gold Visa :\u00a0<strong>130 \u20ac\/year<\/strong><br \/>Capitol Gold Mastercard :\u00a0<strong>130 \u20ac\/year<\/strong><br \/>Debit card with systematic authorisation : not offered<\/p><p>Fees for cash withdrawals in another bank\u2019s cash machine (provided they are euros within the Eurozone with an international debit card) :\u00a0<strong>free of charge<\/strong><\/p><p>Insurance or theft quote :\u00a0<strong>not offered<\/strong><\/p><p>Fees for occasional transfers (e.g. SEPA transfer)<br \/>At the branch (transfer) :\u00a0<strong>free of charge<\/strong><br \/>Online :\u00a0<strong>not offered<\/strong><\/p><p>Payment of a SEPA direct debit<br \/>Fees to set up a standing order :\u00a0<strong>free of charge<\/strong><br \/>Fees for direct debit payments :\u00a0<strong>free of charge<\/strong><\/p><p>Transaction fee :\u00a0<b>free of charge<\/b><\/p><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/glossaire_des_termes_utilises_-_document_d_information_tarifaire.pdf\" target=\"_blank\" rel=\"noopener\">Information on Deposit Insurance<\/a>\u00a0(FGDR)<\/li><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2025\/02\/2025_BRF_ConditionsTarifaires_CT0125-1.pdf\">Conditions &amp; Charges <\/a> &#8211; <em>In force<\/em><\/li><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2025\/11\/2026_BRF_ConditionsTarifaires_CT0126.pdf\" target=\"_blank\" rel=\"noopener\">Conditions &amp; Charges<\/a> &#8211; <em>Effective 1st January 2026<\/em><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1592\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1592\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">2023 sustainability policy<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1592\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1592\"><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"https:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2025\/01\/2024_BRF_PolitiqueDeDurabilite_0125.pdf\" target=\"_blank\" rel=\"noopener\">2024 sustainability policy<\/a><\/li><\/ul><p><strong>Article 29 Energy and Climate law 2023<\/strong><\/p><ul><li><a href=\"https:\/\/banquerichelieufrance.com\/2024_brf_rapportlec29\/\" target=\"_blank\" rel=\"noopener\">Article 29 report<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1593\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1593\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Directive DSP2 and Open Banking<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1593\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1593\"><p>As part of the Europe\u2019s second Payment Services Directive (PSD2), Banque Richelieu France is preparing for the entry into force of the regulatory technical standards with the provision of a platform on which data is shared with Third Party Providers (TPPs). This data is shared securely via application programming interfaces (APIs).<\/p><p>Third Party Provider (\u201cTPP\u201d) API Portals<br \/>If you have an AISP agreement from ACPR or from a national competent authority in one of the EU Member States, and you would like to test our API, please contact us: <a href=\"mailto:contact@banquerichelieu.com\">contact@banquerichelieu.com<\/a><\/p><p>To access our Sandbox\u00a0<a href=\"https:\/\/developer.xs2a.banquerichelieufrance.com\/\" target=\"_blank\" rel=\"noopener\">Click here<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1594\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1594\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Reporting<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1594\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1594\"><p>To ensure the availability and performance of our API and WSWL services, you will find below our statistics as of July 8, 2019. We will publish them quarterly.<\/p><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/Xs2a_kpis_report_-Richelieu-1.pdf\" target=\"_blank\" rel=\"noopener\">DSP2 Reporting<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1595\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1595\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Information on Deposit Insurance (FGDR)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1595\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1595\"><p>FGDR is aimed at protecting and compensating customers if their bank, investment firm or financing company is adjudged bankrupt.<\/p><p>Deposit accounts (especially current accounts) are covered by the Deposit Guarantee Scheme of FGDR.<\/p><p>FGDR covers securities and other financial instruments (shares, bonds, open-ended collective investment schemes (SICAVs), mutual funds, etc.) on the twofold condition that the securities are \u201cdeclared unavailable\u201d and the account holding institution cannot restore them.<\/p><p>For more information, visit the FGDR&#8217;s website : <a href=\"https:\/\/www.garantiedesdepots.fr\/en\">www.garantiedesdepots.fr\/en<\/a><\/p><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"https:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2023\/05\/01-FGDR-Plaquette_Explicative-2023_Janvier-UK_web.pdf\" target=\"_blank\" rel=\"noopener\">FGDR brochure<\/a><\/li><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/Mini-guide-Quelle-garantie-pour-vos-d%E2%80%9Apts-et-vos-titres.pdf\" target=\"_blank\" rel=\"noopener\">Guide<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1596\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1596\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Information on inactive bank accounts<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1596\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1596\"><p>The Act of 13 June 2014, called the \u201cEckert\u201d Act, on inactive bank accounts and life assurance in escheat, came into effect on 1 January 2016.<\/p><p><strong><br \/>What is an inactive bank account?<\/strong><\/p><p>An account is considered inactive if, after 12 months :<\/p><p>No transaction has been recorded on this account (not including interest and debit by the account holding institution, any fees and commissions or the payment of proceeds or redemption of capital or debt securities)<br \/>And the account holder has not communicated or conducted any transaction on another account opened in their name in the same institution. This period shall be extended to 5 years for securities accounts, short-term deposits and regulated savings accounts.<br \/>This period shall be extended to 5 years for securities accounts, short-term deposits and regulated savings accounts.<\/p><p>The Act of 13 June 2014, called \u201cEckert\u201d Act on inactive bank accounts life assurance in escheat [sic]. If the sums are blocked under the Act or any contractual provision, the 5-year term shall run from the expiration of the vesting period. The Act prescribes that an account deemed as inactive must be kept in the books of the bank for 10 years. After 10 years of inactivity, the bank shall close the account and transfer the deposits and assets to the Deposits and Consignments Fund (CDC), where they shall be kept for 20 years, and then be ultimately transferred to the State.<\/p><p>When an account is deemed inactive, the bank must inform the holder, or their legal representative or other authorised person known by the bank annually about this fact and its consequences.<\/p><p>Lastly, the bank must also inform them six (6) months before the deposits to the CDC.<\/p><p><strong>Warning<\/strong><\/p><p>This does not concern you if you regularly conduct transactions on at least one of your accounts or if you communicate with your bank regularly (by checking your accounts online, exchanging communications with your private bank by post or email).<\/p><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/Fiche-Loi-Eckert.pdf\" target=\"_blank\" rel=\"noopener\">Main provisions of the Eckert Act<\/a><\/li><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/Guide-compte-inactif.pdf\" target=\"_blank\" rel=\"noopener\">Guide on inactive accounts edited by the French Banking Federation<\/a>\u00a0(FBF)<\/li><\/ul><p><strong><br \/>Contact the deposit fund<\/strong>\u00a0:<\/p><ul><li>0 809 40 40 41<\/li><li>www.ciclade.fr<\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1597\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1597\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Glossary of the Financial Sector Advisory Committee (CCSF)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1597\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1597\"><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/banque_au_quotidien_et_credits.pdf\" target=\"_blank\" rel=\"noopener\">Everyday banking &amp; Loans<\/a><\/li><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/epargne_et_placements_financiers.pdf\" target=\"_blank\" rel=\"noopener\">Savings &amp; Financial investments<\/a><\/li><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/assurance.pdf\" target=\"_blank\" rel=\"noopener\">Insurance<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1598\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-1598\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Best selection policy<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1598\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-1598\"><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2023\/08\/2023_BRF_PoliqueDeMeilleureSelection-PDMS0723.pdf\" target=\"_blank\" rel=\"noopener\">Best selection policy 2021<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1599\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-1599\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Summarised policy on conflicts of interest<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1599\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-1599\"><p>Banque Richelieu France conducts its activities in compliance with the principles of integrity and transparency in order to prevent any real or potential conflicts of interest, or at least to manage them fairly following the common framework of the group to which Banque Richelieu France belongs.<\/p><p>In order to identify and manage the potential types of conflicts of interest, within investment services, related services and other activities of the Group which may infringe on the customers\u2019 interests, Banque Richelieu France is especially vigilant about the following situations prioritising the interests of an interested party, which may infringe on the interests of another interested party, particularly between :<\/p><ul><li>One or more customers ;<\/li><li>One or more sub-contractors\/suppliers ;<\/li><li>One or more counterparties ;<\/li><li>One or more related parties i.e. entities of a group, as well as the Employees, Managers and Administrators of those entities, and direct or indirect shareholders.<\/li><\/ul><p>Particular attention is paid to any circumstance which may lead to a conflict of interest resulting from the structure of the Group and its activities.<\/p><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"https:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2025\/01\/BRF_PolitiqueGestionConflitIinterets_01-25.pdf\" target=\"_blank\" rel=\"noopener\">Policy on conflicts of interest<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15910\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-15910\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Publication of information about the top 5 traders in terms of customers\u2019 orders<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15910\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-15910\"><p><strong>This report aims to specify, on the one hand, for each category of financial instruments, the ranking of the top 5 investment firms in terms of trading volumes to which our institution, Banque Richelieu France, transmitted client orders for execution during the year 2024, and on the other hand, provides summary information on the quality of execution achieved, in accordance with Article 65, paragraph 6 of the Delegated Regulation (EU) 2017\/565 of April 25, 2016.<\/strong><\/p><p><strong>Banque Richelieu France provides the following investment services:<\/strong><\/p><ul><li>Order Reception and Transmission;<\/li><li>Discretionary Portfolio Management;<\/li><li>Investment Advice.<\/li><\/ul><p><strong>Banque Richelieu France has defined an intermediary selection policy aimed at achieving the best possible outcome when transmitting orders to act in the best interest of its clients.<\/strong><\/p><p>Banque Richelieu France transmits its clients&#8217; orders for execution to Brokers. As part of its best selection policy, the bank takes all necessary measures to select Brokers or counterparties that allow it to fulfill its best execution obligation. In this context, our institution conducts an annual review of its authorized intermediaries using an evaluation grid completed by the Transaction Desk Manager and Compliance for each counterparty, based on the counterparties&#8217; execution policies and execution reports. The rating criteria are as follows: price, settlement and delivery, order execution quality, and research. This review is presented to the Broker Selection Committee at least once a year.<\/p><p><strong>Downloadable content:<\/strong><\/p><ul><li><a href=\"https:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2025\/01\/BRF_2024_Top-5-brokers.pdf\">Top 5 Brokers<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15911\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-15911\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">The banking mobility guide, edited by the FBF<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15911\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-15911\"><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/Guide-Mobilite%CC%81-bancaire.pdf\" target=\"_blank\" rel=\"noopener\">FBF Guide<\/a><\/li><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/Informations-Mobilite%CC%81-bancaire.pdf\" target=\"_blank\" rel=\"noopener\">Information on the new aid scheme for banking mobility<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15912\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-15912\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Regulatory information related to the management of UCITS, AIF and mandates<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15912\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-15912\"><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/RG-Politique-de-durabilite%CC%81.pdf\" target=\"_blank\" rel=\"noopener\">2021 sustainability policy<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15913\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-15913\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">General information on Real estate loans<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15913\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-15913\"><p>In accordance with Articles L313.6 and R313-3 of the Consumer code, you will find information about real estate loans which the Bank may offer attached hereto.<\/p><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/10072018_informations_generales_specifiques_au_credit_immobilier_1.pdf\" target=\"_blank\" rel=\"noopener\">General information on Real estate loans<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15914\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-15914\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Unofficial translation into French of the definition of a \u201cU.S Person\u201d as set forth under US \u201cRegulation S\u201d, part of the U.S Securities Act of 1933 (Part 230 \u2013 Paragraph 230.902)<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15914\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-15914\"><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/definition_us_person.pdf\" target=\"_blank\" rel=\"noopener\">Definition of \u201cU.S. Person\u201d<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15915\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-15915\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">USA Patriot Act Certificate<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15915\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-15915\"><p><strong>Downloadable content :<br \/><\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2022\/02\/CFR-USA-PAtriot-Act_juillet-2021.pdf\" target=\"_blank\" rel=\"noopener\">USA Patriot Act Certificate<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-15916\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-15916\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Professional Equality<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-15916\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-15916\"><p>In accordance with the provisions of the Avenir Act, Banque Richelieu France is publishing its gender equality index for the UES, established on the 1<sup>st<\/sup> March 2026, <strong>95 points out of 100<\/strong>.<\/p><p>The index allows companies to transparently measure the gender pay gap and highlight areas for improvement.<\/p><p><strong>Downloadable content :<\/strong><\/p><ul><li><a href=\"http:\/\/banquerichelieufrance.com\/wp-content\/uploads\/sites\/3\/2026\/02\/2026_BRF_IndexEgalitePro-1.pdf\" target=\"_blank\" rel=\"noopener\">Professional equality index\u00a0<\/a><\/li><\/ul><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-876ad34 elementor-widget elementor-widget-spacer\" data-id=\"876ad34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Regulatory Information Overview of the rates of the main products, services and everyday banking operations For the sake of transparency and in order to allow you to compare banking rates, Banque Richelieu France hereby provides you with rates applied by our Institution with regard to the \u201cstandard market rates\u201d identified by the Financial Sector Advisory<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":"","_links_to":"","_links_to_target":""},"class_list":["post-15270","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/banquerichelieufrance.com\/en\/wp-json\/wp\/v2\/pages\/15270","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/banquerichelieufrance.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/banquerichelieufrance.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/banquerichelieufrance.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/banquerichelieufrance.com\/en\/wp-json\/wp\/v2\/comments?post=15270"}],"version-history":[{"count":96,"href":"https:\/\/banquerichelieufrance.com\/en\/wp-json\/wp\/v2\/pages\/15270\/revisions"}],"predecessor-version":[{"id":21813,"href":"https:\/\/banquerichelieufrance.com\/en\/wp-json\/wp\/v2\/pages\/15270\/revisions\/21813"}],"wp:attachment":[{"href":"https:\/\/banquerichelieufrance.com\/en\/wp-json\/wp\/v2\/media?parent=15270"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}