Result

2020

Consumer Protection Report 2020

2020-02-14 | Reports Consumer Markets

Credit providers must be able to access a comprehensive view of a consumer’s outstanding credit commitments before granting new loans.

2019

Stability in the Financial System (2019:2)

The low interest rates are expected to remain low for a longer period of time. It could lead to greater risk-taking among various actors, and increased challenges for insurance undertakings.

FI’s work to combat money laundering and terrorist financing

Finansinspektionen (FI) strengthened its anti-money laundering supervision in 2019, in part by dedicating considerable resources to reviewing major Swedish banks’ governance and control of anti-money laundering measures in Baltic subsidiaries.

Stability in the Financial System (2019:1)

Both the global and the Swedish economies appear to be slowing down. Low interest rates – which have resulted in high risk-taking and rising asset prices – are expected to remain low for a prolonged period of time. Resilience in the Swedish financial system is satisfactory in general. However, even if the banks’ resilience is satisfactory overall, FI makes the assessment that they need more capital to cover the risks in their lending to commercial real estate firms.

FI Supervision 12: Insurance Undertakings’ Own Risk and Solvency Assessments

2019-05-08 | Reports Insurance

Finansinspektionen (FI) has conducted a survey of how insurance undertakings are performing their own risk and solvency assessments. FI is of the opinion that many undertakings’ assessments can be improved.

Personal injury claims handling – a follow-up review

2019-04-11 | Reports Insurance

Insurance undertakings have taken steps to develop IT systems, customer communication and quality assurance since FI published its previous report on personal injury claims handling in 2017.

Consumer Protection Report 2019

2019-04-03 | Reports Consumer Markets

In this report, Finansinspektionen (FI) presents the most prioritised consumer risks it has identified for 2019. FI also presents the experiences from its consumer protection work over the past year. Finally, FI identifies two areas on the financial market where consumer protection is clearly deficient and proposes regulatory changes to fill these gaps.

FI Analysis 16: How do covered bonds function?

This FI Analysis describes how Swedish covered bonds function, how the regulation governing the cover pool is designed and how the cover pool is affected by a fall in house prices.

2018

FI Analysis 14: Reference rates are changing

2018-11-29 | BMR Reports Markets

Reference rates are important since they are used in many financial contracts, and it is therefore crucial that they are fair, transparent and accurately reflect the underlying market.

Stability in the Financial System (2018:2)

The economy continues to be strong, both in Sweden and globally, but it is now showing signs of a slow-down. Interest rates have been low for a long period of time, which has led to high risk-taking and rising asset prices. As a result, the risks in the financial system are elevated. The resilience in the Swedish financial system is satisfactory in general but continued high growth in debt fuelled by lending and investments related to residential property and commercial real estate require monitoring.

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