Credit-repayment incident file (FICP)
A Banque de France file recording serious incidents in the repayment of consumer credit and over-indebtedness measures. Lenders must consult it before granting credit; an entry in practice blocks access to financing until the situation is regularized.
Key points
- Banque de France file listing serious credit repayment incidents.
- Also records over-indebtedness measures taken by the commission.
- Legal obligation for lenders to consult it before any credit decision.
- An entry in practice blocks access to credit until full regularization.
Frequently asked questions
What types of incidents trigger a FICP entry?
A serious payment delay on a loan, generally several consecutive missed installments, can trigger a declaration by the lending institution. An admissible over-indebtedness file with the Banque de France also generates an automatic entry. The lender must inform the borrower before proceeding with the declaration.
How long does a FICP entry last?
The registration period depends on the nature of the event and is legally capped. If the incident is regularized (full repayment of all amounts due), removal normally occurs within a defined period after notification by the lender. Without regularization, the entry can remain until the maximum legal term.
How does a broker handle a file with a FICP entry?
In the vast majority of cases, a file with an active FICP entry is ineligible for a new mortgage. The broker must be transparent about this reality and, if the situation can be regularized, support the client in the removal process before relaunching any search for financing. Attempting to submit a file despite an entry exposes both client and broker to a certain refusal.
In practice
A client wishing to refinance their property reveals two missed installments on a consumer loan three years ago, quickly regularized; the broker checks the FICP removal date before any file submission and obtains confirmation that the entry has been erased.
Put it into practice with CourtImmo
See how CourtImmo software helps brokers on this topic:
Official sources
- The national credit repayment incidents register (FICP) · Banque de France
- Credit repayment incidents register (FICP) · Service-Public.gouv.fr
- Obtaining a mortgage loan · Service-Public.gouv.fr