Suspicious accounts sharing

The Labaronne Law (Loi 2025-1058), published on 6 November 2025, establishes a national French framework for combating payment fraud. Under Article L.521-6-1.-I. of the French Monetary and Financial Code, in-scope PSPs: credit institutions, EMIs, and payment institutions established or operating in France (excluding AISPs and PISPs) are required to report fraud events, and therefore the payment accounts they suspect of fraudulent activity, to the FNC-RF national database operated by the Banque de France. It entered into application on May 7th, 2026. 

The FNC-RF (Fichier National des Comptes signalés pour Risque de Fraude) is a national French database of payment accounts suspected of fraudulent activity. It is operated and managed by the Banque de France. PSPs report fraud events to the FNC-RF, which then makes this information available to all participating institutions to inform their internal anti-fraud controls and take the appropriate decisions were these payment accounts are held within their organization.

In-scope institutions are payment service providers established in France or operating in France that fall within the definition of Article L.521-1 of the French Monetary and Financial Code. This includes credit institutions, electronic money institutions (EMIs), and payment institutions. Account Information Service Providers (AISPs) and Payment Initiation Service Providers (PISPs) are explicitly excluded from the scope of the Labaronne Law FNC-RF reporting obligation. 

LUXHUB’s Fraud Intelligence Gateway is a compliance and connectivity solution designed for payment service providers (PSPs) established or operating in France. It enables PSPs to connect to the FNC-RF (Fichier National des Comptes signalés pour Risque de Fraude) the national fraud account database operated by the Banque de France. This new regulatory framework was introduced by the Labaronne Law (2025-1058) of 6 November 2025. The solution facilitates the secure sharing of suspicious IBANs to prevent and detect payment fraud. 

By connecting PSPs to the shared FNC-RF database, the Fraud Intelligence Gateway enables institutions to benefit from collective intelligence across the French banking and payment ecosystem. When one PSP identifies a suspicious account and reports it to the FNC-RF, all other connected PSPs gain access to that fraud signal, enabling PSPs to take informed decisions with regards to these specific accounts. This mutualized, real-time intelligence sharing model is significantly more effective than individual institutions operating in isolation. 

Currently, the Fraud Intelligence Gateway is solely targeted at PSPs established in France or operating in France, in compliance with the Labaronne Law’s FNC-RF reporting requirements. However, LUXHUB is developing the solution with a European expansion strategy in mind, anticipating the upcoming PSR requirements for EU-wide fraud information sharing arrangements. PSPs outside France that want to prepare proactively for PSR obligations are encouraged to engage with LUXHUB now. 

The Labaronne Law specifies that PSPs report accounts suspected of fraud ‘notably based on analyses carried out within the framework of their internal anti-fraud systems.’ This means PSPs need functioning internal fraud detection processes to identify potentially fraudulent accounts before reporting them to the FNC-RF. LUXHUB’s Fraud Intelligence Gateway provides the technical connectivity and data management layer for this reporting, complementing rather than replacing existing internal fraud risk management frameworks. 

LUXHUB’s Fraud Intelligence Gateway provides PSPs with functional and technical onboarding support for both available Banque de France environments (test and production). The solution includes business logic to refine and contextualize fraud data before submission; convenient interfaces for importing and sharing relevant suspicious account information; continuous synchronization with the FNC-RF database; granular user-permission controls; full audit traceability; and event monitoring and alerting capabilities. It can also be integrated into VoP (Verification of Payee) flows. 

LUXHUB has designed its VoP requesting interface to return other available fraud-relevant signals. When a VoP check is performed, the Fraud Intelligence Gateway can cross-reference the beneficiary IBAN against watchlists consolidated based on the FNC-RF and other fraud data sources, enriching the payee verification outcome with additional fraud risk signals. This integration provides PSPs with a more holistic fraud prevention layer across both their VoP compliance obligations and their FNC-RF reporting duties. 

FRIDA (Fraud Information Distribution Arrangement) is a scheme initiative launched by the European Payments Council (EPC) to create a Central Platform for pan-European payment fraud intelligence sharing among PSPs across the SEPA zone. LUXHUB is monitoring FRIDA developments closely and will ensure its Fraud Intelligence Gateway can support FRIDA scheme participation as the platform matures alongside PSR adoption.

Key benefits include: compliance with Labaronne Law requirements from day one; streamlined onboarding with both Banque de France test and production environments; business logic to refine and contextualize fraud data for higher-quality submissions; integrated watchlist management and event alerting to strengthen internal fraud detection; full audit trail and granular user permissions for governance; compatibility with VoP flows for enhanced payment security; and future-readiness for PSR fraud information sharing requirements at the EU level.

PSPs interested in implementing LUXHUB’s Fraud Intelligence Gateway can request information via the dedicated contact form or download the product brochure. The LUXHUB team will then get back to you to set up a meeting, discuss your current fraud reporting infrastructure, and propose an onboarding plan.