Instruction No. 2025-I-15 on Documents to be Produced for Cross-Border Insurance Activities in the EEA

PRUDENTIAL CONTROL AND RESOLUTION AUTHORITY

Instruction No. 2025-I-15 regarding the documents to be produced in the context of exercising an insurance activity via freedom of establishment or free provision of services in another EEA State replacing Instruction No. 2017-I-20 of November 23, 2017

The Prudential Control and Resolution Authority, Having regard to the Insurance Code, particularly Articles L. 321-11, L. 310-2-1, and R. 321-32; Having regard to the Monetary and Financial Code, particularly Articles L. 612-2, L. 612-14, and R. 612-21; Having regard to the Mutual Code, particularly Article L. 211-8-2; Having regard to the Social Security Code, particularly Article L. 931-4-2; Having regard to Ordinance No. 2015-378 of April 2, 2015; Having regard to Decree No. 2015-513 of May 7, 2015; Having regard to the opinion of the Prudential Affairs Consultative Commission (CCAP) of October 1, 2025; Having regard to EIOPA decisions BoS-17/014 of January 30, 2017 and BoS-17/013 of June 10, 2021,

DECIDES

Article 1:
Any insurance entity subject to the control of the Prudential Control and Resolution Authority, referred to in Articles L. 310-3-1 of the Insurance Code, L. 211-10 of the Mutual Code, and L. 931-6 of the Social Security Code, planning to:

• either open a branch to exercise under the regime of freedom of establishment in another Member State of the European Union or another State party to the Agreement on the European Economic Area,
• or exercise activities under the free provision of services on the territory of another Member State of the European Union or another State party to the Agreement on the European Economic Area,
  must provide the Prudential Control and Resolution Authority with the documents and information mentioned in Annexes 1 and 2 of this Instruction, using the form contained in these Annexes.

The information to be transmitted must account for the nature, scale, and complexity of the operations envisaged by the entity.

Article 2:
Any project to modify the nature or conditions of exercising activities under freedom of establishment or free provision of services, as authorized, must be notified to the Prudential Control and Resolution Authority, accompanied by the documents mentioned in the Annexes to this Instruction that are affected by the modification project, in accordance with paragraph II of Article R. 321-32 of the Insurance Code.

Article 3:
This file must be sent in electronic format to the Prudential Control and Resolution Authority by depositing it at the following address: https://acpr-portail.banque-france.fr

Article 4:
This Instruction replaces Instruction No. 2017-I-20 of November 23, 2017.
References to Instruction No. 2017-I-20 of November 23, 2017 shall be understood as references to this Instruction.

Article 5:
This Instruction shall enter into force on January 1, 2026.

Paris, October 22, 2025

For the Insurance Sectoral Sub-College
The President,
Jean-Paul FAUGÈRE