CIFs are supervised by the AMF in accordance with Articles L.541-1 to L.541-9-1 of the CMF. This supervision ensures that advisers comply with rules of good conduct and professional competence.

According to Article R.519-4 of the CMF, IOBSP brokers must take out minimum professional liability coverage of €500,000 per claim and €800,000 per year. This requirement is specific to their category and aims to protect clients against financial risks.

According to Article A.512-4 of the Insurance Code, the minimum professional liability coverage for an IAS broker is €1,564,610 per claim and €2,315,610 per year. These amounts ensure adequate client protection.

According to Article R.519-4 of the CMF, an IOBSP broker must have a minimum financial guarantee of €115,000 when handling client funds. This requirement protects clients against the risk of financial loss.

According to Articles 325-24 to 325-26 of the General Regulation, a CIF must complete mandatory continuing education of seven hours per year. This requirement aims to maintain their professional competence.

The text specifies that combining CIF and IAS statuses is permitted, allowing professionals to advise on both financial instruments and insurance products. This complementarity meets client needs for comprehensive wealth management.

Insurance and banking intermediaries (IOBSP) are classified into four categories based on their mode of practice: broker (COBSP), exclusive tied agent (MOBSPL), non-exclusive agent (MOBSP), and intermediary agent (MIOBSP). Each category has specific requirements in terms of training and financial guarantee.

The text indicates that combining statuses within the IOBSP categories is permitted for operations of a different nature. Thus, a professional can be a broker for mortgage credit and an agent for consumer credit, but not for the same type of credit.