{"id":19818,"date":"2025-10-12T21:08:13","date_gmt":"2025-10-13T01:08:13","guid":{"rendered":"https:\/\/faircanadastg.wpengine.com\/article\/discretionary-trading-without-a-clients-consent-lesson-learned\/"},"modified":"2026-01-20T10:34:36","modified_gmt":"2026-01-20T15:34:36","slug":"transactions-discretionnaires-sans-le-consentement-du-client-une-lecon-a-retenir","status":"publish","type":"article","link":"https:\/\/faircanada.ca\/fr\/article\/transactions-discretionnaires-sans-le-consentement-du-client-une-lecon-a-retenir\/","title":{"rendered":"Transactions discr\u00e9tionnaires sans le consentement du client \u2013 Une le\u00e7on \u00e0 retenir"},"content":{"rendered":"\n<p>Une r\u00e9cente affaire disciplinaire souligne l\u2019importance de comprendre les pouvoirs de votre conseiller. Les conseillers ne sont pas autoris\u00e9s \u00e0 effectuer des transactions sans votre consentement explicite, sauf s\u2019ils d\u00e9tiennent un permis de gestion discr\u00e9tionnaire et que vous avez donn\u00e9 votre accord par \u00e9crit.<\/p>\n\n\n\n<p>Dans cette affaire, un ancien conseiller de RBC Dominion Valeurs mobili\u00e8res a effectu\u00e9 plus de 23 000 ordres de transaction pour 33 clients sans leur consentement pr\u00e9alable. Bien que la majorit\u00e9 des clients aient r\u00e9alis\u00e9 des gains, certains ont subi des pertes, et le conseiller a g\u00e9n\u00e9r\u00e9 pr\u00e8s de 4,5 millions de dollars en commissions.<\/p>\n\n\n\n<p>Le conseiller a \u00e9t\u00e9 sanctionn\u00e9 par l\u2019OCRCVM pour avoir enfreint les r\u00e8gles en mati\u00e8re de valeurs mobili\u00e8res en r\u00e9alisant des transactions sp\u00e9culatives \u00e0 haut risque sans autorisation pr\u00e9alable. Il a \u00e9t\u00e9 condamn\u00e9 \u00e0 une amende, \u00e0 rembourser ses commissions et \u00e0 quitter l\u2019industrie.<\/p>\n\n\n\n<p>\u00c0 moins que votre conseiller ne soit sp\u00e9cifiquement autoris\u00e9 \u00e0 effectuer des transactions discr\u00e9tionnaires \u2014 et que vous ayez donn\u00e9 votre consentement \u00e9crit \u2014 il doit obtenir votre approbation pour chaque transaction. Si ce n\u2019est pas le cas, c\u2019est un signal d\u2019alarme. Demandez toujours \u00e0 votre conseiller comment les d\u00e9cisions sont prises \u2014 et assurez-vous de garder le contr\u00f4le.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une r\u00e9cente affaire disciplinaire souligne l\u2019importance de comprendre les pouvoirs de votre conseiller. Les conseillers ne sont pas autoris\u00e9s \u00e0<\/p>\n","protected":false},"featured_media":19975,"template":"","tags":[],"articles_category":[757],"articles_date":[744],"class_list":["post-19818","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>Transactions discr\u00e9tionnaires sans le consentement du client \u2013 Une le\u00e7on \u00e0 retenir - 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\/transactions-discretionnaires-sans-le-consentement-du-client-une-lecon-a-retenir\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transactions discr\u00e9tionnaires sans le consentement du client \u2013 Une le\u00e7on \u00e0 retenir\" \/>\n<meta property=\"og:description\" content=\"Une r\u00e9cente affaire disciplinaire souligne l\u2019importance de comprendre les pouvoirs de votre conseiller. 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