Result

2021

Low income the greatest risk factor for loans leading to debt with the Swedish Enforcement Authority

2021-05-12 | News Consumer

One fifth of all debts with the Swedish Enforcement Authority come from loans. And people with low incomes run the greatest risk of suffering repayment problems. Repayment problems often start with life events such as unemployment or illness. This is shown by a new analysis from Finansinspektionen (FI), the Swedish Consumer Agency and the Swedish Enforcement Authority.

Don’t be fooled again

2021-02-01 | News Consumer

Have you been the victim of investment fraud? Then there is a risk that you will be targeted again. You might be contacted with new investment offers, or you might receive a fake offer to help recover previous losses. Sometimes these offers come right after the first fraud, but other times they come several years later.

2020

Households’ finances and financial literacy 2020

Single-adult households with children continue to have a more difficult financial situation than other households. FI has measured households’ financial literacy and found that it has improved in almost all areas compared to previous surveys.

EU authority publishes consumer guides on insurance

2020-04-27 | Coronavirus EIOPA News

Due to the coronavirus pandemic, the European Insurance and Occupational Pensions Authority (EIOPA) has published a consumer guide with tips that target insurance customers.

FI’s view on the application of the EBA’s new guidelines on moratoria

2020-04-14 | Coronavirus EBA News

The European Banking Authority (EBA) published guidelines on 2 April on the criteria that must be fulfilled in order for measures taken to be viewed as general moratoria. FI considers exemptions from amortisation requirements for mortgages and payment reliefs for small and mid-sized firms in accordance with the Swedish National Debt Office’s loan guarantees to be measures that can be viewed as general moratoria under the guidelines.

Banks may now grant amortisation exemption

FI’s Board of Directors has decided that the proposal communicated on 2 April will go into effect as of today. This means that banks will now be able to grant both new and existing mortgagors exemption from the requirement on amortisation. The exemption gives mortgagors greater financial manoeuvrability in these uncertain times during the spread of COVID-19.

EBA’s statement on payment delays linked to COVID-19

2020-03-25 | Coronavirus EBA News

The spread of the coronavirus has introduced considerable challenges for society as a whole, and even the financial system. We find ourselves in an exceptional situation, and uncertainty is widespread. These extraordinary circumstances demand appropriate application of existing regulations, including rules for forbearance and assessment of a significant increase in credit risk.

2019

New rules on strong customer authentication

2019-09-13 | PSD 2 EBA News

FI is publishing a Q&A on new rules that will go into effect on 14 September.

2018

Work with sustainability is progressing – but there is still much to be done

FI is publishing today three reports on sustainability. The reports show that the work with sustainability is progressing on several fronts and that the industry’s own initiatives, where relevant, are working. But there is still a lot of work left to be done. FI is also publishing a follow-up report for the Government on FI's work with sustainability-related matters in 2018.

2017

Proposal for a stricter amortisation requirement for households with high loan-to-income ratios

FI is proposing changes to Finansinspektionen’s regulations (FFFS 2016:16) regarding amortisation of loans collateralised by residential property. The regulations cover mortgages granted by credit institutions, i.e. banks and credit market companies.

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