United States: Banking, Finance & Insurance Letter - Décembre 2016

Assurance

Résiliation d'un contrat d'assurance emprunteur pour cause d'aggravation du risque

Le Décret n°2016-1559 du 18 novembre 2016 relatif aux conditions de résiliation d'un contrat d'assurance emprunteur pour cause d'aggravation du risque a été publié au Journal Officiel du 20 novembre 2016.

Le Décret crée un nouvel article R. 113-13 dans le Code des assurances, dont l'objet est de préciser les conditions dans lesquelles l'assureur peut résilier un contrat d'assurance emprunteur pour cause d'aggravation du risque résultant d'un changement de comportement volontaire de l'assuré. Cette possibilité sera ouverte si plusieurs conditions cumulatives sont réunies, à savoir si :

  • l'assuré pratique régulièrement une nouvelle activité sportive présentant un risque particulier pour sa santé ou sa sécurité. La liste de ces activités sportives sera fixée par arrêté,
  • l'exercice de cette nouvelle activité conduit à rendre inexactes ou caduques les réponses faites par l'assuré en réponse aux questions relatives à sa pratique sportive posées par l'assureur lors de la conclusion du contrat » et si,
  • l'assuré n'a pas déclaré cette nouvelle activité dans les 15 jours où il en a eu connaissance, en application de l'article L. 113-2 du Code des assurances.

L'assuré aura donc la possibilité d'éviter une résiliation du contrat en déclarant son activité à l'assureur.

Stress tests de l'EIOPA : le marché français ressort dans la moyenne européenne

L'Autorité européenne des assurances et des pensions professionnelles (EIOPA) a publié, le 15 décembre 2016, les résultats des tests de résistance conduits sur les principaux acteurs européens du marché de l'assurance, en collaboration avec les autorités nationales de supervision.

Au niveau européen, les résultats montrent que les organismes sont convenablement capitalisés. L'EIOPA a formulé des recommandations à destination des autorités de supervision nationales afin qu'elles encouragent les organismes à mettre en oeuvre une politique de gestion des risques et des stratégies suffisamment prudentes dans l'environnement de taux bas.

Au niveau du marché français, l'ACPR indique que les assureurs vie ayant participé à l'exercice européen présentent un ratio de solvabilité initial égal à la moyenne européenne. L'ACPR invite toutefois les assureurs français à limiter et contrôler les risques qu'ils prennent afin de préserver dans la durée leur solvabilité et adopter une attitude prudente en matière de revalorisation pour l'année 2016.

Contrats d'assurance vie en déshérence

L'ACPR a publié une Instruction n°2016-I-26, datée du 13 décembre 2016, dans laquelle elle informe le marché des informations qui doivent être contenues dans le rapport annuel obligatoire relatif aux contrats d'assurance vie en déshérence.

Les assureurs doivent préciser dans le rapport annuel le nombre et l'encours des contrats d'assurance-vie ou de capitalisation dont les capitaux ou les rentres n'ont pas été versés. Ce rapport doit permettre le connaitre le nombre de contrats d'assurance vie en déshérence par organisme d'assurance, mais également suivre l'évolution et l'apurement de ce stock.

Banque

Publication par Tracfin de son rapport annuel fondé sur les tendances observées en 2015

Le 7 décembre 2016, Tracfin a publié un rapport annuel fondé sur les tendances observées en 2015 et à venir en 2016. Cette publication s'inscrit dans le cadre des recommandations du Groupe d'action financière (GAFI) en matière de lutte contre le blanchiment de capitaux et le financement du terrorisme.

Les chiffres d'activité de Tracfin entre le 1er janvier et le 30 septembre 2016 marquent un accroissement historique : + 49 % d'informations reçues par rapport à la même période en 2015.

Cinq type de grands risques ont été identifiés par Tracfin en 2015 : le financement du terrorisme, les menaces criminelles, la corruption, la fraude fiscale et sociale, et les escroqueries non liées à des réseaux organisés.

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