National Irregular Check File (FNCI)

Verified 26 March 2024 - Directorate for Legal and Administrative Information (Prime Minister)

Are you wondering about tools to combat check fraud? The National Irregular Check Register (FNCI) Detects the use of irregular checks. It centralizes the bank details of persons prohibited from issuing checks, closed accounts, objections for loss or theft of checks and forged checks. Here's what you need to know about FNCI.

The National Irregular Check Register (FNCI) contains the following information:

Unlike the Central Check File (CCF), the FNCI shall not identify the names of the holders of the bank accounts concerned.

The information entered in the file is provided by the banks. They shall transmit the account numbers of their customers when the latter are prohibited from banking to the Central Check File (CCF).

Banks also send the stop numbers (for loss or theft), the references of closed accounts and the characteristics of the counterfeit checks.

Warning  

The information on the declaration of loss or theft shall be deleted after 48 hours if the declaration is not confirmed by a written opposition with your banker.

Access to the entire FNCI

If you are a check recipient (essentially the traders), you can access the entire file.

To do this, you must be a subscriber to the FNCI-Verification service managed by the Banque de France.

The file allows you to check the regularity of the checks that are given to you in payment of a good or service.

The file is consulted on the basis of the reading of the magnetic line located at the bottom of the check. Information in the form of color is then communicated to you:

  • Green: no information in FNCI
  • Blank: can't read check
  • Red: irregular check (no check to be issued, closed account, loss or theft objection, fake checks)
  • Orange: account objected to for loss or theft (without showing check numbers)

You will also be notified of the number of times the account was consulted by the FNCI-Verification service on the current day and on the last days.

Limited access to its own data

To find out if your bank account details are stored in this file and to check the information, you can make an online request. You can also send a letter to the Banque de France or go there.

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Online

You must log in to your personal area of the Banque de France website. Then select the online request labeled right of access payment incident files (bank ban, withdrawals, credit card, unpaid loans, overdrafts, over-indebtedness).

Banque de France: access to your personal space

On the spot

You must go to a local branch of the Banque de France. You must present your photo ID. You must also present a RIBRIB : Bank identity statement (or a voided check).

Who shall I contact

By mail

You must send a signed letter to a local branch of the Banque de France. It must be accompanied by a double-sided photocopy of an identity document and a RIBRIB : Bank identity statement (or a photocopy of the rejected check).

Who shall I contact

If your case is complex and you are unable to obtain the information from the Banque de France, you must write to the service of personal payment incident files. You must attach a double-sided photocopy of your identity card and a RIBRIB : Bank identity statement (or a voided check).

Who shall I contact

  • Personal Payment Incident File Service (PPIF)

    By mail

    Banque de France SFIPRP

    Relations with the public

    31 rue Croix des Petits-Champs

    75049 Paris Cedex 01

FYI  

you are prohibited from distributing and retaining the information you have accessed in the file. If you do not comply with this obligation, you risk 5 years in prison and €300,000 of fine.

If you want to have the information contained in the file corrected, you must make the request to your bank.

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