Subsection 6: Fédération nationale des caisses d'épargne et de prévoyance

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Article L512-99

French Monetary and Financial CodeIn force

Updated 7 Nov 2023

The Fédération nationale des caisses d'épargne et de prévoyance is constituted in accordance with the provisions of the law of 1 July 1901 relating to the contract of association. It brings together all the caisses d'épargne et de prévoyance represented by three members of their Orientation and Supervisory Board, including the Chairman, and by two members of their Management Board, including the Chairman.

The Fédération nationale des caisses d'épargne et de prévoyance is responsible for :

1. Coordinating the relations of the savings and provident institutions with their members and representing their common interests, in particular with the public authorities;

2. Participating in the definition of the network's strategic orientations;

3. Defining, coordinating and promoting the social responsibility actions of the savings banks and provident societies in line with the commercial and financial guidelines of the central body of the savings banks and banques populaires;

4. To contribute to the definition, by the central body of the caisses d'épargne et des banques populaires, of national guidelines in terms of social relations in the network;

5 Organising, in conjunction with the central body of the savings banks and banques populaires, the training of managers and members through the regular organisation of free information sessions on economic matters in the broadest sense of the term;

6. To ensure compliance with ethical rules within the savings bank network;

7. To contribute to the cooperation of French savings banks with foreign institutions of a similar nature.

The Fédération nationale des caisses d'épargne et de prévoyance is consulted by the central body of the caisses d'épargne et des banques populaires on any reform project concerning the caisses d'épargne et de prévoyance.

The Fédération Nationale des Caisses d'Epargne et de Prévoyance calls for contributions from the savings and provident institutions to finance its operating budget.

Mariela Petrova

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Working with a corporate lawyer in France — Q&A

Any time a strategic decision changes how the company is owned, governed or contractually bound — incorporation, fundraising, M&A, restructuring, shareholder agreements, or major commercial contracts. Earlier engagement always costs less than later remediation.

A notary (notaire) is a public officer who authenticates specific deeds (mainly real-estate transfers and certain family-law acts). A corporate lawyer (avocat) advises on strategy, negotiates and drafts company documents, and represents you in disputes. The two roles complement rather than overlap.

Yes — most of our clients are foreign suppliers, investors or holding entities. We bridge the gap between French law and your home jurisdiction's expectations and deliver everything bilingually.

The SAS (Société par Actions Simplifiée) is the default choice for most international structures: flexible governance, single shareholder allowed, no minimum capital, and works cleanly with foreign holding entities. We assess SARL, SA, SCI on the merits when the situation calls for it.

Yes — communications with a French avocat are protected by the secret professionnel (Article 66-5 of the Law of 31 December 1971). This protection is broader than the common-law attorney-client privilege and applies to written and oral exchanges.

We work on fixed fees for clearly scoped engagements (incorporation, contract drafting, audits) and on monthly retainers for ongoing advisory. Hourly billing is the exception, not the default. You always know the cost before work starts.

Typical timeline is 2–3 weeks from KYC kick-off to RCS registration, assuming standard documentation. Holding-company structures, foreign-shareholder identification or in-kind contributions can extend this — we flag the gating items at the first meeting.

Absolutely. We routinely coordinate with your in-house counsel, expert-comptable or notaire — pragmatic collaboration is the norm, not the exception. We send them everything they need to do their part without duplicating work.

Mariela Petrova

Mariela Petrova

Avocate au Barreau de Paris

Toque #C2396

15+ Years In Corporate Practice

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Communications protected by professional secrecy — secret professionnel de l'avocat, Article 66-5 of the Law of 31 December 1971.

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