ORIAS
ORIAS is the official register listing professionals authorised to carry out certain activities in the insurance, banking, finance and financing sectors. Our directory helps you find professionals registered with ORIAS and check their status before establishing a relationship. You can thus identify experts meeting regulatory requirements and obtain support tailored to your wealth management, financial or insurance needs.
In the field of wealth management, ORIAS plays a central role because many wealth management professionals must be registered with it.
This includes in particular:
- wealth management advisers;
- insurance brokers;
- banking transaction intermediaries;
- certain financial agents;
- professionals distributing insurance or financing products.
ORIAS registration is now an essential element of credibility and regulatory compliance.
Dans cette définition
Vos repères- 01 What is ORIAS for?
- 02 ORIAS in figures
- 03 Which wealth management professionals must be registered with ORIAS?
- 04 Why is ORIAS registration important in wealth management?
- 05 How can you check a professional on ORIAS?
- 06 What is the difference between ORIAS and the AMF?
- 07 Why check ORIAS before investing?
What is ORIAS for?
The main role ofORIAS is to centralise information about regulated professionals in the financial and insurance sectors.
The register allows you to check in particular:
- the professional's legal existence;
- their regulatory status;
- their authorisations;
- the validity of their registration;
- certain mandatory professional guarantees.
As part of a wealth management strategy, this check is particularly important before taking out any financial, property or insurance product.
The ORIAS register therefore serves as a protection tool for savers and investors.
ORIAS in figures
ORIAS (the organisation responsible for the single register of insurance, banking and finance intermediaries) maintains the official register of professionals authorised to operate in the insurance, banking and finance sectors. As at 31 December 2024, the register listed 69 970 intermediaries, accounting for 118 308 registrations across the different regulated categories. During 2024, ORIAS processed 61 623 applications, including 22 480 new registrations, with an average processing time of 4 days and a validation rate of 81 % for initial registrations. Anyone wishing to carry out a regulated insurance, banking or finance intermediation activity must be registered with ORIAS.
Which wealth management professionals must be registered with ORIAS?
Many participants in wealth management must be registered with ORIAS.
These include:
- CIF (Financial Investment Advisers);
- COA (Insurance Brokers);
- COBSP (Brokers in Banking Transactions and Payment Services);
- MIA (Agents of Insurance Intermediaries);
- general insurance agents ;
- IOBSP ;
- insurance intermediaries.
In practice, a wealth management adviser may hold several ORIAS registration categories to offer more comprehensive wealth management support.
For example, a CGP may simultaneously be:
Why is ORIAS registration important in wealth management?
ORIAS registration helps ensure that the professional complies with a number of regulatory obligations.
This includes in particular:
- appropriate professional qualifications;
- professional indemnity insurance;
- financial guarantees in certain cases;
- compliance with regulatory requirements.
In the wealth management sector, this check is essential because professionals may deal with sensitive matters:
- financial investments;
- life insurance investment contracts;
- wealth transfer;
- property investments;
- wealth-related credit;
- tax optimisation.
Consulting ORIAS therefore helps limit certain risks associated with unauthorised operators.
How can you check a professional on ORIAS?
The official ORIAS register is available online free of charge.
You generally just need to search for:
- the professional's name;
- the firm's name;
- the ORIAS number.
The record then allows you to view:
- the regulatory statuses held;
- the validity date;
- the activity categories;
- certain administrative information.
Before entrusting your savings or assets to a professional, this check is an important step.
What is the difference between ORIAS and the AMF?
ORIAS and the Autorité des marchés financiers have different roles.
ORIAS is a register of intermediaries.
The AMF, for its part, is the authority responsible for supervising financial markets and certain investment professionals.
In wealth management, these two bodies may play complementary roles.
For example:
- a CIF must be registered withORIAS ;
- but must also belong to an approved association by the AMF.
Why check ORIAS before investing?
In wealth management, certain transactions may involve substantial sums and have long-term consequences.
Checking a professional's ORIAS registration allows you in particular to:
- confirm their authorisation;
- check their authorised activities;
- avoid certain fraud risks;
- ensure compliance with the regulatory framework.
This precaution is particularly recommended before taking out anything related to:
- life insurance;
- financial investments;
- a property investment;
- a wealth-related loan;
- a tax-saving transaction.
FAQ
ORIAS is the official register of insurance, banking and finance intermediaries in France.
Because certain regulated wealth management activities require official registration to be carried out legally.
Simply consult the official register ofORIAS by searching for the professional's name or registration number.
ORIAS manages the registration of intermediaries, while theFinancial Markets Authority supervises financial markets and certain investment operators.
ORIAS registration is an important element of regulatory compliance, but it is still advisable to assess the professional's experience, skills and transparency as well.