CPF fraud: Bercy fears uptick after three years of decline
An internal note from Bercy services alerts to an increase in reports of suspicious organisations linked to the personal training account.
Reports on the rise: CPF fraud concerns the ministry again
An internal note from the services of the Ministry of the Economy, consulted by Le Figaro, alerts to a possible uptick in personal training account (CPF) fraud — a scheme that allows working people to accumulate training entitlements, credited in euros on a public platform.
Between 2023 and 2024, the scale of fraud had declined, driven by a hardening of the legal framework, strengthened controls and several significant convictions. But the trend appears to be reversing. According to the document, "the feeling is now that fraud persists and is no longer decreasing, or at least not as quickly".
This assessment is based in particular on the trajectory of reports received by Tracfin, the financial intelligence service attached to the Ministry of the Economy. After three years of decline, the number of reports of suspicious organisations is rising again — an indicator that Bercy is monitoring closely.
The phenomenon illustrates a dynamic well known to fraud prevention services: whenever control mechanisms are strengthened, fraudsters adapt their methods to circumvent new barriers. The CPF, managed by the public authorities and funded by directly mobilisable financial entitlements, remains an attractive target for fraudulent networks.
Source: Le Figaro