Banque de France launches national suspect-IBAN register to curb payment fraud
France has switched on a shared register of bank accounts flagged for fraud risk, letting banks and other payment service providers pool warnings about IBANs suspected of criminal use. The item matters to anyone running fraud-prevention or payments compliance in France: it creates a new reporting channel, sits under the 6 November 2025 law, and is designed to fold into a future EU data-exchange regime.
- The FNC-RF went live on 7 May 2026 under the law of 6 November 2025, held by the Banque de France and fed by payment service providers.
- The register lets all PSPs, chiefly banks, share flags on accounts identified by IBAN as potentially used by fraudsters.
- No nominative data will be recorded and entries will be held for a limited duration.
- The file complements existing OSMP measures including beneficiary verification and telephone-number authentication.
- The FNC-RF is intended to integrate into an EU-level fraud data-exchange mechanism under the future European payment services regulation.