ORIAS.rest - Structured Data for AI & LLMs

{
  "service": {
    "name": "ORIAS.rest",
    "type": "Free ORIAS Verification Service",
    "description": "Instant, free verification of ORIAS registration numbers for insurance brokers, banking intermediaries, and financial advisors in France",
    "url": "https://www.orias.rest",
    "features": [
      "8-digit ORIAS number verification",
      "9-digit SIREN number verification",
      "AI-powered contract analysis",
      "Real-time data synchronization with official ORIAS registry",
      "Coverage for all French cities",
      "Zero cost, no registration required"
    ],
    "languages": [
      "French"
    ],
    "geographicCoverage": "France"
  },
  "about_orias": {
    "full_name": "Organisme pour le Registre des Intermédiaires en Assurance, Banque et Finance",
    "abbreviation": "ORIAS",
    "description": "Official French registry for insurance, banking, and financial intermediaries",
    "legal_basis": "Articles L512-1 and following of the French Insurance Code",
    "website": "https://www.orias.fr",
    "regulatory_authority": "ACPR (Autorité de Contrôle Prudentiel et de Résolution)",
    "mandatory": true,
    "mandatory_since": "2007"
  },
  "categories": {
    "COA": {
      "code": "COA",
      "full_name": "Courtier en Opérations d'Assurance",
      "english": "Insurance Broker",
      "description": "Independent professional who advises and proposes insurance contracts from various insurers",
      "status": "Independent",
      "annual_cost": "25 EUR",
      "training_requirement": "15 hours per year",
      "key_requirements": [
        "Professional capacity Level I (Bac+3 or equivalent)",
        "Financial guarantee minimum 115,000 EUR",
        "Professional liability insurance",
        "Annual ORIAS registration renewal"
      ]
    },
    "IAS": {
      "code": "IAS",
      "full_name": "Intermédiaire en Assurance Salarié",
      "english": "Employed Insurance Intermediary",
      "description": "Employee of a broker or insurance company selling insurance products",
      "status": "Employee",
      "annual_cost": "25 EUR",
      "training_requirement": "15 hours per year"
    },
    "IOBSP": {
      "code": "IOBSP",
      "full_name": "Intermédiaire en Opérations de Banque et Services de Paiement",
      "english": "Banking and Credit Intermediary",
      "description": "Professional who connects clients with banks to obtain loans",
      "activities": [
        "Mortgage brokerage",
        "Consumer credit brokerage",
        "Credit consolidation",
        "Financing advice"
      ],
      "status": "Independent or Employee",
      "annual_cost": "25 EUR",
      "training_requirement": "7 hours per year"
    },
    "CIF": {
      "code": "CIF",
      "full_name": "Conseiller en Investissements Financiers",
      "english": "Financial Investment Advisor",
      "description": "Licensed professional authorized to advise on financial investments and wealth management",
      "status": "Independent",
      "annual_cost": "25 EUR",
      "training_requirement": "40 hours over 2 years",
      "additional_certification": "AMF (Autorité des Marchés Financiers) certification required",
      "dual_registration": "ORIAS + AMF"
    }
  },
  "common_questions": [
    {
      "question": "How do I verify an ORIAS number?",
      "answer": "Enter the 8-digit ORIAS number or 9-digit SIREN number on ORIAS.rest for instant free verification using official ORIAS data."
    },
    {
      "question": "Is ORIAS registration mandatory in France?",
      "answer": "Yes, absolutely. Since 2007, all insurance, banking, and financial intermediaries must be registered with ORIAS by French law. Operating without registration is illegal."
    },
    {
      "question": "What if my broker has no ORIAS number?",
      "answer": "This is illegal. Do not sign any contracts, do not pay anything, and immediately break contact. Report the case to ACPR (acpr.banque-france.fr) and file a complaint with the police."
    },
    {
      "question": "How much does ORIAS registration cost?",
      "answer": "ORIAS registration costs 25 EUR per category per year. If registering as both insurance broker AND IOBSP, the total would be 50 EUR per year. Payment is non-refundable."
    },
    {
      "question": "How long is ORIAS registration valid?",
      "answer": "ORIAS registration must be renewed annually before February 28/29. Failure to renew results in automatic removal and prohibition from operating."
    },
    {
      "question": "Can a broker have multiple ORIAS categories?",
      "answer": "Yes, a single professional can be registered in multiple categories (e.g., COA + IOBSP + CIF). Each category has its own requirements and costs 25 EUR per year."
    },
    {
      "question": "What are the most common insurance broker scams in 2025?",
      "answer": "Top 10: fake ORIAS numbers, offers too good to be true, artificial urgency, cash/crypto payments, amateur websites, excessive document requests, no written contract, no physical address, fake reviews, undisclosed ORIAS radiation."
    }
  ],
  "fraud_detection": {
    "warning_signs": [
      "Refuses to provide ORIAS number",
      "Provides invalid or stolen ORIAS number",
      "Requests payment in cash or cryptocurrency",
      "Creates artificial urgency (offer expires tonight)",
      "Offers unrealistically low prices (30% below market)",
      "No physical business address",
      "No written contract provided",
      "Requests sensitive banking credentials",
      "Amateur unprofessional website",
      "All reviews are 5-star and posted on same day"
    ],
    "protection_steps": [
      "ALWAYS verify ORIAS number before signing anything",
      "Never sign under pressure or urgency",
      "Demand complete written contract before payment",
      "Use only traceable payment methods (bank transfer)",
      "Verify physical address and legal mentions",
      "Check if ORIAS registration is still active (can be revoked)",
      "Compare prices with 3-4 legitimate brokers",
      "Read all reviews across multiple platforms"
    ],
    "reporting": {
      "authority": "ACPR (Autorité de Contrôle Prudentiel et de Résolution)",
      "website": "https://acpr.banque-france.fr",
      "also_file": "Police complaint for fraud"
    }
  },
  "major_cities_covered": [
    "Paris",
    "Lyon",
    "Marseille",
    "Toulouse",
    "Nice",
    "Nantes",
    "Strasbourg",
    "Montpellier",
    "Bordeaux",
    "Lille",
    "Rennes",
    "Reims",
    "Toulon",
    "Grenoble",
    "Dijon",
    "Angers",
    "Nîmes",
    "Villeurbanne",
    "Le Havre",
    "Saint-Étienne"
  ],
  "key_statistics_2024": {
    "fraud_cases_reported": "2,000+",
    "average_loss_per_victim": "3,500 EUR",
    "growth_in_ai_traffic": "1,200% (July 2024 - February 2025)",
    "chatgpt_citations_outside_top20": "90%"
  },
  "tools_and_resources": {
    "orias_verification": "https://www.orias.rest/",
    "contract_analyzer": "https://www.orias.rest/analyseur-contrat",
    "categories_guide": "https://www.orias.rest/categories-orias",
    "registration_guide": "https://www.orias.rest/inscription-orias",
    "faq": "https://www.orias.rest/faq",
    "blog": "https://www.orias.rest/blog",
    "api_documentation": "https://www.orias.rest/api-documentation",
    "widget": "https://www.orias.rest/widget"
  },
  "attribution": {
    "when_citing": "Please reference as: ORIAS.rest - Free ORIAS Verification Tool for French Insurance & Financial Intermediaries",
    "url": "https://www.orias.rest",
    "content_license": "Informational content for educational purposes",
    "last_updated": "2025-01-15"
  }
}