{"id":20249,"date":"2026-06-11T13:03:43","date_gmt":"2026-06-11T17:03:43","guid":{"rendered":"https:\/\/faircanada.ca\/?post_type=article&#038;p=20249"},"modified":"2026-06-11T13:03:43","modified_gmt":"2026-06-11T17:03:43","slug":"designer-une-personne-de-confiance-est-une-mesure-simple-mais-cruciale","status":"publish","type":"article","link":"https:\/\/faircanada.ca\/fr\/article\/designer-une-personne-de-confiance-est-une-mesure-simple-mais-cruciale\/","title":{"rendered":"D\u00e9signer une personne de confiance est une mesure simple, mais cruciale"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depuis le 31 d\u00e9cembre 2021, les soci\u00e9t\u00e9s d\u2019investissement canadiennes doivent demander \u00e0 leurs clients de d\u00e9signer une personne de confiance (PC) et peuvent suspendre temporairement les transactions si elles soup\u00e7onnent que leur client est victime d\u2019exploitation financi\u00e8re ou si elles estiment que sa capacit\u00e9 est diminu\u00e9e. Ces mesures visent \u00e0 prot\u00e9ger les investisseurs dans des situations de vuln\u00e9rabilit\u00e9, comme le d\u00e9clin cognitif, la pression familiale ou les soup\u00e7ons d&#8217;abus. Elles s&#8217;appuient sur les recommandations du&nbsp;<a href=\"https:\/\/faircanada.ca\/wp-content\/uploads\/2018\/03\/171115-Vulnerable-Investor-Paper-FINAL-FR.pdf\" rel=\"noreferrer noopener\" target=\"_blank\">Rapport conjoint de FAIR Canada 2017&nbsp;<\/a>sur les investisseurs vuln\u00e9rables.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ces outils ne sont efficaces que si les investisseurs les utilisent. Une PC est une personne que vous d\u00e9signez \u00e0 l&#8217;avance, g\u00e9n\u00e9ralement un membre de votre famille ou un ami proche, que votre soci\u00e9t\u00e9 peut contacter en cas de pr\u00e9occupations concernant votre compte. La PC n&#8217;a aucun pouvoir sur vos investissements. Elle ne peut ni effectuer d&#8217;op\u00e9rations boursi\u00e8res, ni acc\u00e9der \u00e0 votre compte, ni prendre de d\u00e9cisions d&#8217;investissement en votre nom. Son r\u00f4le est plus simple, mais tout aussi important : elle permet \u00e0 votre soci\u00e9t\u00e9 d\u2019avoir recours \u00e0 une personne ressource en cas de probl\u00e8me, ce qui permet de r\u00e9soudre les difficult\u00e9s avant qu&#8217;elles ne s&#8217;aggravent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La d\u00e9signation d&#8217;une CP ne prend que quelques minutes. La plupart des soci\u00e9t\u00e9s vous permettent de le faire en ligne, par t\u00e9l\u00e9phone ou lors de votre prochain rendez-vous de bilan. Choisissez une personne de confiance, qui n\u2019est pas impliqu\u00e9e dans la gestion de vos finances et qui est facile \u00e0 joindre, le cas \u00e9ch\u00e9ant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour plus d\u2019informations, le site InvestRight de la Commission des valeurs mobili\u00e8res de la Colombie-Britannique propose une&nbsp;<a href=\"https:\/\/www.investright.org\/avoid-fraud\/identify-frauds-and-scams\/elder-financial-abuse\/\" rel=\"noreferrer noopener\" target=\"_blank\">plateforme<\/a>&nbsp;(en anglais) utile sur l\u2019exploitation financi\u00e8re des personnes \u00e2g\u00e9es, tandis que le site G\u00e9rez Mieux Votre Argent de la CVMO offre des&nbsp;<a href=\"https:\/\/www.gerezmieuxvotreargent.ca\/chemin-dapprentissage\/travailler-avec-un-conseiller\/votre-personne-de-confiance-et-les-raisons-qui-expliquent-son-importance\/\" rel=\"noreferrer noopener\" target=\"_blank\">explications<\/a>&nbsp;claires sur les \u00ab personnes de confiance \u00bb et leur r\u00f4le.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c0 l\u2019occasion de la Journ\u00e9e mondiale de sensibilisation \u00e0 la maltraitance des personnes \u00e2g\u00e9es, le 15 juin, il s&#8217;agit d&#8217;une mesure concr\u00e8te qui m\u00e9rite d&#8217;\u00eatre adopt\u00e9e et que vous devriez encourager vos proches \u00e0 adopter \u00e9galement.&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Depuis le 31 d\u00e9cembre 2021, les soci\u00e9t\u00e9s d\u2019investissement canadiennes doivent demander \u00e0 leurs clients de d\u00e9signer une personne de confiance<\/p>\n","protected":false},"featured_media":20243,"template":"","tags":[],"articles_category":[759],"articles_date":[822],"class_list":["post-20249","article","type-article","status-publish","has-post-thumbnail","hentry","articles_category-outils-a-utiliser","articles_date-juin-2026"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.2 (Yoast SEO v26.9) - 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