In wealth management, a COBSP mainly deals with financing needs.

They can, in particular, help clients with:

• a mortgage;
• rental investment financing;
• a business loan;
• debt consolidation;
• a wealth-related loan;
• SCPI financing;
• cash management solutions;
• payment services.

A COBSP's role generally involves analysing the client's financial situation, comparing different banking offers and seeking a solution suited to the intended wealth management project.

In some cases, financing can optimise a wealth strategy through the leverage provided by borrowing.

IOBSP stands for “Intermediary in Banking Transactions and Payment Services”. It is the overall regulatory category.

COBSP is a specific subcategory of IOBSPs.

A COBSP acts as an independent broker and generally works with several banks to compare the offers available on the market.

Other IOBSP categories, by contrast, include:

• exclusive agent;
• non-exclusive agent;
• agent of an intermediary.

In wealth management, COBSP status is often preferred because it offers greater independence in selecting financing solutions.

Wealth management advisers often adopt COBSP status to provide more comprehensive wealth management support.

A wealth strategy does not rely solely on financial investments. Financing also plays a central role in many transactions:

• property investment;
• buying SCPI units on credit;
• tax optimisation;
• wealth leverage;
• wealth transfer;
• debt restructuring.

With COBSP status, the professional can help their client find financing consistent with their wealth objectives and borrowing capacity.

It is common for a CGP to hold several regulatory statuses:

• CIF (Financial Investment Adviser);
• COBSP;
• insurance broker;
• property agent or Carte T holder.

Yes. Like other regulated financial intermediaries, a COBSP must be registered with ORIAS.

This registration allows you to check:

• the professional's regulatory status;
• the validity of their authorisation;
• their level of activity;
• their professional indemnity insurance;
• their regulatory compliance.

Before applying for financing or providing sensitive financial information, it is advisable to check the professional's ORIAS registration.

COBSP activities are strictly governed by the French Monetary and Financial Code.

The professional must, in particular:

• comply with information obligations;
• clearly explain their remuneration;
• assess the client's financial situation;
• check the suitability of the proposed solutions;
• comply with borrower protection rules.

In wealth management support, these obligations are essential because credit transactions can have significant long-term consequences for the client's financial situation.

Using a COBSP can provide specialist support in finding financing.

The professional can, in particular, help to:

• compare several banking offers;
• negotiate certain terms;
• optimise the financing structure;
• save time on procedures;
• incorporate borrowing into a comprehensive wealth strategy.

In certain complex wealth management projects, a financing professional's involvement can be a real lever for optimisation.

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