{"id":19815,"date":"2025-10-12T21:05:19","date_gmt":"2025-10-13T01:05:19","guid":{"rendered":"https:\/\/faircanadastg.wpengine.com\/article\/advisor-chargebacks-why-theyre-harmful-and-should-be-banned\/"},"modified":"2026-01-20T10:34:43","modified_gmt":"2026-01-20T15:34:43","slug":"les-retrofacturation-des-conseillers-nuisibles-et-a-interdire","status":"publish","type":"article","link":"https:\/\/faircanada.ca\/fr\/article\/les-retrofacturation-des-conseillers-nuisibles-et-a-interdire\/","title":{"rendered":"Les\u00a0r\u00e9trofacturation\u00a0des conseillers : nuisibles et \u00e0 interdire"},"content":{"rendered":"\n<p>Nous avons d\u00e9j\u00e0 expliqu\u00e9 comment fonctionnent les r\u00e9trocessions des conseillers et comment elles peuvent fausser les conseils re\u00e7us par les Canadiens. Dans notre plus r\u00e9cente\u00a0<a href=\"https:\/\/faircanada.ca\/wp-content\/uploads\/2025\/09\/2025_09_15_Comment-Letter-CSA-Advisor-Chargebacks_Ver.0-FR.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">lettre de commentaires<\/a>\u00a0aux ACVM, nous demandons leur interdiction compl\u00e8te.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-qu-est-ce-qu-une-retrofracturation\">Qu\u2019est-ce qu\u2019une r\u00e9trofracturation?<\/h2>\n\n\n\n<p>Il s\u2019agit d\u2019un mode de r\u00e9mun\u00e9ration o\u00f9 le conseiller re\u00e7oit une commission qui peut \u00eatre r\u00e9cup\u00e9r\u00e9e si le client vend l\u2019investissement dans un d\u00e9lai d\u00e9termin\u00e9. Ce mod\u00e8le cr\u00e9e un conflit d\u2019int\u00e9r\u00eats int\u00e9gr\u00e9. En recevant une r\u00e9mun\u00e9ration importante d\u00e8s le d\u00e9part, le conseiller peut \u00eatre tent\u00e9 de recommander des produits comportant une r\u00e9trocession. Et \u00e0 cause du risque de r\u00e9cup\u00e9ration, il pourrait d\u00e9courager le client de vendre, m\u00eame si cela est dans son int\u00e9r\u00eat.<\/p>\n\n\n\n<p>La proposition des ACVM d\u2019interdire les r\u00e9trofracturations pour certains fonds d\u2019investissement est un bon d\u00e9but, mais elle ne va pas assez loin. Si l\u2019interdiction ne s\u2019applique qu\u2019\u00e0 certains produits, les entreprises pourraient simplement d\u00e9placer la pratique ailleurs. Les investisseurs m\u00e9ritent une protection uniforme, peu importe le produit.<\/p>\n\n\n\n<p>Les examens de conformit\u00e9 ont r\u00e9v\u00e9l\u00e9 que de nombreuses entreprises ne parviennent pas \u00e0 identifier, divulguer et g\u00e9rer ad\u00e9quatement les conflits. Ces lacunes soul\u00e8vent de s\u00e9rieuses inqui\u00e9tudes quant \u00e0 leur capacit\u00e9 \u00e0 g\u00e9rer les conflits structurels li\u00e9s aux r\u00e9trofracturations. La seule solution est leur \u00e9limination.<\/p>\n\n\n\n<p>FAIR Canada est clair : une interdiction partielle ne suffit pas. Nous demandons aux ACVM d\u2019interdire les r\u00e9trofracturations pour tous les titres et \u00e9metteurs, sans exception. Nous les invitons \u00e9galement \u00e0 collaborer avec les r\u00e9gulateurs d\u2019assurance pour interdire les r\u00e9trofracturations dans la vente de fonds distincts et de produits similaires.<\/p>\n\n\n\n<p>Les interdictions partielles cr\u00e9ent des failles et mettent les investisseurs en danger. Mettons fin \u00e0 la r\u00e9mun\u00e9ration conflictuelle et pla\u00e7ons les investisseurs en priorit\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nous avons d\u00e9j\u00e0 expliqu\u00e9 comment fonctionnent les r\u00e9trocessions des conseillers et comment elles peuvent fausser les conseils re\u00e7us par les<\/p>\n","protected":false},"featured_media":19798,"template":"","tags":[],"articles_category":[757],"articles_date":[744],"class_list":["post-19815","article","type-article","status-publish","has-post-thumbnail","hentry","articles_category-defense-des-droits-en-action","articles_date-oct-2025-fr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v26.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Les\u00a0r\u00e9trofacturation\u00a0des conseillers : nuisibles et \u00e0 interdire - FAIR Canada<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/faircanada.ca\/fr\/article\/les-retrofacturation-des-conseillers-nuisibles-et-a-interdire\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Les\u00a0r\u00e9trofacturation\u00a0des conseillers : nuisibles et \u00e0 interdire\" \/>\n<meta property=\"og:description\" content=\"Nous avons d\u00e9j\u00e0 expliqu\u00e9 comment fonctionnent les r\u00e9trocessions des conseillers et comment elles peuvent fausser les conseils re\u00e7us par les\" \/>\n<meta property=\"og:url\" content=\"https:\/\/faircanada.ca\/fr\/article\/les-retrofacturation-des-conseillers-nuisibles-et-a-interdire\/\" \/>\n<meta property=\"og:site_name\" content=\"FAIR Canada\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/pages\/FAIR-Canada\/138310399536931\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-20T15:34:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/faircanada.ca\/wp-content\/uploads\/2026\/01\/chargeback-2x-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@FAIRCanada\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/faircanada.ca\/fr\/article\/les-retrofacturation-des-conseillers-nuisibles-et-a-interdire\/\",\"url\":\"https:\/\/faircanada.ca\/fr\/article\/les-retrofacturation-des-conseillers-nuisibles-et-a-interdire\/\",\"name\":\"Les\u00a0r\u00e9trofacturation\u00a0des conseillers : nuisibles et \u00e0 interdire - 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