Flash Compliance Audit Pass: Audit 100% of your loan files & your governance

• Antecedent Broker Mandate : Signed and dated strictly prior to any bank submission.

  Réf : Art. L519-2 CMF
• Initial Disclosure Document (DER) : Complete with statutory broker ID, complaints process and mediator contact.

  Réf : Art. R519-20 CMF
• Client Needs & Solvency Review : Budget assessment, borrowing capacity and HCSF 35% debt ratio checklist.

  Réf : Décision HCSF D-2021-7
• Advisory & Recommendation Sheet : Documented justification for lender selection and chosen credit terms.

  Réf : Art. L519-4-1 CMF
• Borrower Insurance (Lemoine Law) : Standardized FSI sheet, CCSF guarantee equivalence and notice tracking.

  Réf : Loi n° 2022-270
• Fee Auditing vs Fund Release : Strict confirmation of zero fees collected prior to actual fund disbursement.

  Réf : Art. L519-6 CMF

• Professional Liability & Financial Guarantee 2026 : Verification of professional indemnity insurance validity and mandatory statutory financial guarantees.

  Réf : Monetary & Financial Code Art. L519-3-4
• Official Client Complaints Register : Review of centralized register, tracking of acknowledgments within 10 days and formal resolution within 2 months.

  Réf : ACPR Regulatory Recommendation 2016-R-02
• 15-Hour Continuous Training Certificates (IDD / Credit) : Verification of mandatory 15 annual training hours for all directors and certified staff.

  Réf : European IDD Directive / Art. R519-11-1
• AML-CFT & Tracfin Internal Policy : Review of money laundering risk mapping, designated AML officer nomination, and asset freezing protocols.

  Réf : Monetary & Financial Code Art. L561-32

• CIF Engagement Letter & Fees : Mandatory formalization of advisory scope, non-independent status and fee schedule.

  Réf : Règlement Général AMF Art. 325-5
• MiFID II Investor Profile Test : Exhaustive assessment of financial knowledge, asset background and risk tolerance.

  Réf : Art. L541-8-1 CMF
• Written Suitability Statement : Formal justification for each recommended product (SCPI, Life-Ins, Pension, Securities).

  Réf : Recommandation AMF DOC-2014-06
• Ex-Ante Fee Disclosure : Mandatory pre-contractual delivery of all direct and indirect retrocession costs.

  Réf : Directive MiFID II Art. 24(4)
• Partner Agreements & Asset Managers : Verification of broker codes and valid agreements with AMF-authorized managers.

  Réf : Art. L541-9 CMF

Discover Our 5 Audit Flash Pass Packages (ACPR & AMF Protocols)(Solo 10 files, Cabinet 30 files, Network 75 files, Large Network 175 files & Enterprise 400 files)

One-off audit engagement starting at €1,290 excl. VAT (from €43.70 excl. VAT / audited file). Every package includes 100% file audit with zero statistical sampling, a 3-scan remediation pack (1 initial audit + 2 counter-inspections within 60 days), and the official eIDAS SHA-256 sealed report (Executive summary & comprehensive appendices ledger, dynamically adapted to any file volume) enforceable before regulatory authorities.

“When regulators demand complete files within 15 days, this sealed audit report changes everything: inspection closed without remarks.”

“We received a formal supervisory inspection notice giving us 15 days to submit a sample of 30 debt consolidation files. Absolute panic: the initial scan immediately caught 4 unsigned client onboarding disclosures and 2 missing insurance distribution justifications in our Lyon office. Within 72 hours, Nynexium’s remediation matrix enabled us to regularize every document and attach the certified eIDAS-timestamped audit trail. The supervisory inspectors found zero issues: case dismissed without remarks. Without this Pass Audit, we faced a public formal warning or disciplinary sanction.”