Finance and regulatory duties · France / Switzerland
Client funds: document the safeguarding method
France and Switzerland tie client-fund protection to the actual provider status and activity. Identify flows, holders, protection method and reconciliation evidence. French segregation, insurance or guarantee routes should not be copied as one universal Swiss rule. Swiss arrangements can differ by status, including specific separately identifiable accounting conditions. This dossier does not certify protection, deposit coverage or an escrow release.
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- Provider
- Funds
- Method
- Control
- Official texts cited
- Sources checked on
- Drafted with AI assistance, our method
General legal information with official references and dated checks. It is not personalised advice: for a decision that commits you, have your situation checked by a qualified professional.
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France: which fund flows should be mapped ?
Your question concerns “Client funds: document the safeguarding method”. Which document should we examine, and does your matter concern France or Switzerland?
3 free questions at signup. Avoid names and sensitive information.
France: which provider status should the file identify ?
Record entity and actual activity rather than a platform label.
France: which fund flows should be mapped ?
Identify origin, holder and destination with relevant records.
Which official provision helps explain this situation?
Record entity and actual activity rather than a platform label.
France: why separate segregation and guarantee methods ?
Routes and conditions differ. Examine the actual applicable framework.
France: does professional safeguarding equal deposit insurance ?
No. Provider obligations and depositor coverage are separate questions.
Switzerland: does every provider follow French-style segregation ?
No. Identify the actual Swiss status and its protection conditions.
lbaFedlex 51/117_121_129/20261001/frFedlex 2014/273/20250101/fr
How can you connect the facts and records in your file?
Complete the file references. The initial values illustrate a fictional case; they are not observed product results.
Fictional example · Client flow and protection-method map
- Provider
- Status to classify
- Funds
- Documented flow
- Method
- Protection to examine
- Control
- Retained reconciliation
This worksheet organises records; it does not establish admissibility, entitlement or a procedural outcome.
Switzerland: which art. 1b banking-law arrangement needs care ?
The specific ordinance permits separate custody or separately identifiable accounting under its conditions, including ordinary audit.
lbaFedlex 51/117_121_129/20261001/frFedlex 2014/273/20250101/fr
Switzerland: how should reconciliation differences be documented ?
Compare records, amounts and evidence, preserving unexplained differences.
lbaFedlex 51/117_121_129/20261001/frFedlex 2014/273/20250101/fr
Which elements belong together before the next step?
| Preparation question | Point to verify |
|---|---|
| France: which provider status should the file identify ? | Record entity and actual activity rather than a platform label. |
| France: which fund flows should be mapped ? | Identify origin, holder and destination with relevant records. |
| France: why separate segregation and guarantee methods ? | Routes and conditions differ. Examine the actual applicable framework. |
| France: does professional safeguarding equal deposit insurance ? | No. Provider obligations and depositor coverage are separate questions. |
cmf : art. L522-17cmf : art. L522-18LEGISCTA000006123943lbaFedlex 51/117_121_129/20261001/frFedlex 2014/273/20250101/fr
Switzerland: does this organiser certify client-fund protection ?
No. It maps status and controls without transfer or protection guarantees.
lbaFedlex 51/117_121_129/20261001/frFedlex 2014/273/20250101/fr
What other questions arise in this file?
France: which fund flows should be mapped ?
Identify origin, holder and destination with relevant records.
cmf : art. L522-17cmf : art. L522-18LEGISCTA000006123943lbaFedlex 51/117_121_129/20261001/frFedlex 2014/273/20250101/fr
France: does professional safeguarding equal deposit insurance ?
No. Provider obligations and depositor coverage are separate questions.
cmf : art. L522-17cmf : art. L522-18LEGISCTA000006123943lbaFedlex 51/117_121_129/20261001/frFedlex 2014/273/20250101/fr
Switzerland: which art. 1b banking-law arrangement needs care ?
The specific ordinance permits separate custody or separately identifiable accounting under its conditions, including ordinary audit.
cmf : art. L522-17cmf : art. L522-18LEGISCTA000006123943lbaFedlex 51/117_121_129/20261001/frFedlex 2014/273/20250101/fr
Switzerland: does this organiser certify client-fund protection ?
No. It maps status and controls without transfer or protection guarantees.
cmf : art. L522-17cmf : art. L522-18LEGISCTA000006123943lbaFedlex 51/117_121_129/20261001/frFedlex 2014/273/20250101/fr
Which official references should you consult?
- cmf : art. L522-17legifrance.gouv.fr
- cmf : art. L522-18legifrance.gouv.fr
- LEGISCTA000006123943legifrance.gouv.fr
- lbafedlex.admin.ch
- Fedlex 51/117_121_129/20261001/frfedlex.admin.ch
- Fedlex 2014/273/20250101/frfedlex.admin.ch
Texts cited last checked: 2 November 2026