Intermédiaire en assurance in FR
What this register publishes today, what is missing, and the smallest change that would move it up.
What was found
Worth recording for one phrase in the statute. The insurance code requires intermediaries to be entered on a single register which is, in its own words, freely accessible to the public. That register covers insurance intermediaries, banking and payment services intermediaries, financial investment advisers, tied agents and crowdfunding intermediaries, tens of thousands of them, and it is kept not by a ministry but by a private body governed by the sectors themselves with a government commissioner sitting alongside, under Treasury supervision. Registration is compulsory and has to be renewed every year, which bounds how stale an entry can be. Consultation is free to everyone. There is no export and no interface, but a statute that already says freely accessible to the public is the easiest place in the world to argue that a file is owed.
What it publishes
| Check | Answer | Why it matters |
|---|---|---|
| A public page per licence | Yes | Gives a reader something to look at and a checker something to archive and attest against. |
| A bulk export | No | Lets a consumer hold the whole list instead of fetching one licence at a time, and lets anyone hash it. |
| Machine readable | No | A CSV or JSON rather than a page built for a browser. Decides whether checking can be automated at all. |
| Signed | No | Makes the file impossible to forge or mirror convincingly. Nothing reaches grade A without it. |
The next step
Give every licence a stable address
The register exists but lives behind a search form, so there is nothing to link to, nothing to archive and nothing to attest against. A permanent address per licence costs little and moves this row to grade C on its own.
A grade describes a register, not the authority behind it and not the quality of its supervision. An authority can run an excellent register and still sit at grade D because it is a search form.
If this row is wrong, it gets corrected with the correction published beside it. The index is useful only if it can be argued with. Tell the lab.