diff --git a/src/main/java/dev/lions/unionflow/server/service/TypeReferenceService.java b/src/main/java/dev/lions/unionflow/server/service/TypeReferenceService.java
index be96016..f97182e 100644
--- a/src/main/java/dev/lions/unionflow/server/service/TypeReferenceService.java
+++ b/src/main/java/dev/lions/unionflow/server/service/TypeReferenceService.java
@@ -11,6 +11,7 @@ import jakarta.enterprise.context.ApplicationScoped;
 import jakarta.inject.Inject;
 import jakarta.transaction.Transactional;
 import java.text.Normalizer;
+import java.util.Arrays;
 import java.util.List;
 import java.util.UUID;
 import java.util.stream.Collectors;
@@ -157,6 +158,9 @@ public class TypeReferenceService {
                                 .modulesRequis(request.modulesRequis())
                                 .build();
 
+                validerLbcFtSiFinancierSolidaire(
+                                entity.getCategorie(), entity.getModulesRequis());
+
                 if (request.organisationId() != null) {
                         Organisation org = organisationRepository
                                         .findById(request.organisationId());
@@ -211,6 +215,8 @@ public class TypeReferenceService {
                 }
 
                 appliquerMiseAJour(entity, request);
+                validerLbcFtSiFinancierSolidaire(
+                                entity.getCategorie(), entity.getModulesRequis());
                 entity.setModifiePar(
                                 keycloakService.getCurrentUserEmail());
                 repository.update(entity);
@@ -353,6 +359,26 @@ public class TypeReferenceService {
                 }
         }
 
+        /**
+         * Réglementation BCEAO : LCB_FT obligatoire pour FINANCIER_SOLIDAIRE.
+         * Appelé avant persist et avant update pour couvrir les deux flux.
+         */
+        private void validerLbcFtSiFinancierSolidaire(
+                        String categorie, String modulesRequis) {
+                if (!"FINANCIER_SOLIDAIRE".equals(categorie)) {
+                        return;
+                }
+                boolean contientLbcFt = modulesRequis != null
+                                && Arrays.asList(modulesRequis.split(","))
+                                                .contains("LCB_FT");
+                if (!contientLbcFt) {
+                        throw new IllegalArgumentException(
+                                        "Le module LCB_FT (anti-blanchiment) est obligatoire "
+                                        + "pour les types d'organisation de catégorie "
+                                        + "FINANCIER_SOLIDAIRE (réglementation BCEAO)");
+                }
+        }
+
         /**
          * Valide l'unicité du code dans un domaine.
          *
diff --git a/src/test/java/dev/lions/unionflow/server/service/TypeReferenceServiceTest.java b/src/test/java/dev/lions/unionflow/server/service/TypeReferenceServiceTest.java
index a0c5272..181f8a1 100644
--- a/src/test/java/dev/lions/unionflow/server/service/TypeReferenceServiceTest.java
+++ b/src/test/java/dev/lions/unionflow/server/service/TypeReferenceServiceTest.java
@@ -506,4 +506,128 @@ class TypeReferenceServiceTest {
         assertThat(updated.getOrdreAffichage()).isEqualTo(10);
         assertThat(updated.getEstDefaut()).isTrue();
     }
+
+    // ================================================================
+    // validerLbcFtSiFinancierSolidaire — règle BCEAO
+    // ================================================================
+
+    @Test
+    @TestTransaction
+    @DisplayName("creer FINANCIER_SOLIDAIRE sans LCB_FT lance IllegalArgumentException")
+    void creer_financierSolidaire_sansLbcFt_throws() {
+        String domaine = "TYPE_ORGANISATION";
+        CreateTypeReferenceRequest request = CreateTypeReferenceRequest.builder()
+                .domaine(domaine)
+                .code("FS_" + UUID.randomUUID().toString().substring(0, 8))
+                .libelle("Mutuelle test")
+                .categorie("FINANCIER_SOLIDAIRE")
+                .modulesRequis("COTISATIONS,EPARGNE,CREDIT")
+                .organisationId(null)
+                .build();
+
+        assertThatThrownBy(() -> typeReferenceService.creer(request))
+                .isInstanceOf(IllegalArgumentException.class)
+                .hasMessageContaining("LCB_FT");
+    }
+
+    @Test
+    @TestTransaction
+    @DisplayName("creer FINANCIER_SOLIDAIRE avec modulesRequis null lance IllegalArgumentException")
+    void creer_financierSolidaire_modulesNull_throws() {
+        CreateTypeReferenceRequest request = CreateTypeReferenceRequest.builder()
+                .domaine("TYPE_ORGANISATION")
+                .code("FS_NULL_" + UUID.randomUUID().toString().substring(0, 6))
+                .libelle("Mutuelle sans modules")
+                .categorie("FINANCIER_SOLIDAIRE")
+                .modulesRequis(null)
+                .organisationId(null)
+                .build();
+
+        assertThatThrownBy(() -> typeReferenceService.creer(request))
+                .isInstanceOf(IllegalArgumentException.class)
+                .hasMessageContaining("LCB_FT");
+    }
+
+    @Test
+    @TestTransaction
+    @DisplayName("creer FINANCIER_SOLIDAIRE avec LCB_FT réussit")
+    void creer_financierSolidaire_avecLbcFt_succes() {
+        CreateTypeReferenceRequest request = CreateTypeReferenceRequest.builder()
+                .domaine("TYPE_ORGANISATION")
+                .code("FS_OK_" + UUID.randomUUID().toString().substring(0, 6))
+                .libelle("Mutuelle conforme")
+                .categorie("FINANCIER_SOLIDAIRE")
+                .modulesRequis("COTISATIONS,EPARGNE,CREDIT,LCB_FT")
+                .organisationId(null)
+                .build();
+
+        TypeReferenceResponse created = typeReferenceService.creer(request);
+        assertThat(created).isNotNull();
+        assertThat(created.getModulesRequis()).contains("LCB_FT");
+    }
+
+    @Test
+    @TestTransaction
+    @DisplayName("creer catégorie ASSOCIATIF sans LCB_FT réussit (pas de contrainte)")
+    void creer_autreCategorie_sansLbcFt_succes() {
+        CreateTypeReferenceRequest request = CreateTypeReferenceRequest.builder()
+                .domaine("TYPE_ORGANISATION")
+                .code("ASSOC_" + UUID.randomUUID().toString().substring(0, 6))
+                .libelle("Association simple")
+                .categorie("ASSOCIATIF")
+                .modulesRequis("COTISATIONS,EVENEMENTS")
+                .organisationId(null)
+                .build();
+
+        TypeReferenceResponse created = typeReferenceService.creer(request);
+        assertThat(created).isNotNull();
+    }
+
+    @Test
+    @TestTransaction
+    @DisplayName("modifier FINANCIER_SOLIDAIRE en retirant LCB_FT lance IllegalArgumentException")
+    void modifier_financierSolidaire_suppressionLbcFt_throws() {
+        TypeReferenceResponse created = typeReferenceService.creer(
+                CreateTypeReferenceRequest.builder()
+                        .domaine("TYPE_ORGANISATION")
+                        .code("FS_MOD_" + UUID.randomUUID().toString().substring(0, 6))
+                        .libelle("Mutuelle à modifier")
+                        .categorie("FINANCIER_SOLIDAIRE")
+                        .modulesRequis("COTISATIONS,LCB_FT")
+                        .organisationId(null)
+                        .build());
+
+        UpdateTypeReferenceRequest update = new UpdateTypeReferenceRequest(
+                null, null, null, null, null, null, null, null, null,
+                null, // categorie inchangée → reste FINANCIER_SOLIDAIRE
+                "COTISATIONS,EPARGNE"); // LCB_FT retiré
+
+        assertThatThrownBy(() -> typeReferenceService.modifier(created.getId(), update))
+                .isInstanceOf(IllegalArgumentException.class)
+                .hasMessageContaining("LCB_FT");
+    }
+
+    @Test
+    @TestTransaction
+    @DisplayName("modifier FINANCIER_SOLIDAIRE sans changer modulesRequis réussit")
+    void modifier_financierSolidaire_sansChangerModules_succes() {
+        TypeReferenceResponse created = typeReferenceService.creer(
+                CreateTypeReferenceRequest.builder()
+                        .domaine("TYPE_ORGANISATION")
+                        .code("FS_NOCHG_" + UUID.randomUUID().toString().substring(0, 5))
+                        .libelle("Mutuelle initiale")
+                        .categorie("FINANCIER_SOLIDAIRE")
+                        .modulesRequis("COTISATIONS,LCB_FT")
+                        .organisationId(null)
+                        .build());
+
+        UpdateTypeReferenceRequest update = new UpdateTypeReferenceRequest(
+                null, "Mutuelle renommée", null, null, null, null, null, null, null,
+                null, // categorie inchangée
+                null); // modulesRequis inchangé → LCB_FT conservé en entité
+
+        TypeReferenceResponse updated = typeReferenceService.modifier(created.getId(), update);
+        assertThat(updated.getLibelle()).isEqualTo("Mutuelle renommée");
+        assertThat(updated.getModulesRequis()).contains("LCB_FT");
+    }
 }