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• Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market

  • Consumer
  • Published
  • Reports
  • Frauds
  • Save
  • Consumer
  • Insure
  • Pay
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  Published 2025-04-30 - Unreliable investment advice from AI or “finfluencers” and the promise of fast gains from crypto trading. These are examples of consumer protection risks that…

• Consumer Protection Report 2025 Summary

  Konsumentskyddsrapport 2025 (Swedish)
• FI Analysis No. 48: Share of consumer credit debt registered with Swedish Enforcement Authority increases during economic downturns

  • Consumer
  • Stability
  • Published
  • News
  • Reports
  • Consumer
  • Borrow

  Published 2025-02-27 - In 2020, almost 130,000 individuals had a debt registered with the Swedish Enforcement Authority that was related to consumer credit. Since the end of 2020,…

• FI Analysis No. 48 (in Swedish)
• Fraud prevention in payment services

  • Bank
  • Consumer
  • Published
  • News
  • Reports
  • Frauds
  • Payments
  • Consumer
  • Pay

  Published 2024-05-31 - Fraud is a major and expanding societal problem that fosters organised crime. FI supervises that payment service providers follow the provisions set out in…

• Report: Fraud prevention in payment services (In Swedish)
• The Swedish Mortgage Market: Households need to have margins for an uncertain future

  • Bank
  • Consumer
  • Stability
  • Published
  • News
  • Reports
  • Mortgage

  Published 2025-04-07 - The conditions for household finances improved in 2024. As many as 8 out of 10 households chose a variable interest rate, which is a higher share than in…

• Report: The Swedish Mortgage Market 2024
• Interest rate puts pressure on indebted households

  • Bank
  • Consumer
  • Stability
  • Published
  • News
  • Reports
  • Mortgage

  Published 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new…

• The Swedish Mortgage Market Report
• The Swedish Mortgage Market 2023

  • Bank
  • Consumer
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2023-03-28 - Mortgagors are under pressure from rising interest rates. At the same time, the majority of new mortgagors continue to have good margins in their personal…

• The Swedish Mortgage Market

  Mortgagor margins and amortisation exemptions in early 2023

  Data appendix - The Swedish Mortgage Market
• Open finance in Sweden

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  • Consumer
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  • Fintech

  Published 2023-06-28 - Digitalisation introduces both opportunities and risks to the financial market. After conducting a new survey, FI has noted that broader regulation on how…

• Open finance in Sweden
• Household savings in Sweden

  • Consumer
  • Published
  • Reports
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  • Consumer

  Published 2025-03-24 - Swedes hold a large amount of financial assets, but the distribution of these assets is very uneven. Most Swedes hold a small amount of financial assets,…

• Report: Household savings in Sweden
• The Swedish Mortgage Market (2021)

  • Bank
  • Consumer
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2021-03-24 - New borrowers continue to take larger mortgages in relation to their income and the value of their home. At the same time, they have good margins for…

• The Swedish Mortgage Market 2021

  Data appendix (In Swedish)
• Swedish Consumer Credit

  • Consumer
  • Published
  • Reports

  Published 2022-12-21 - A large portion of Swedish households’ loans is for their homes. But the households also use loans to finance some of their consumption. Consumption credit…

• Swedish Consumer Credit 2022
• Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made

  • Bank
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  • Stability
  • Published
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  Published 2023-11-28 - The higher interest rate means that households and companies need to make adjustments to their finances. Finansinspektionen (FI) is now seeing a decline in…

• Stability in the Financial System 2023:2

  Stability in the Financial System – Stability Assessment

  FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
• FI Analysis 45: High risks in small and mid-sized commercial real estate firms

  • Bank
  • Stability
  • Published
  • Reports

  Published 2024-05-27 - Many smaller, unlisted commercial real estate (CRE) firms have a high loan-to-value (LTV) ratio and a low interest coverage ratio (ICR). This makes them…

• FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
• The Swedish Mortgage Market (2019)

  • Bank
  • Consumer
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2019-03-27 - High debt can mean risks for individual households, banks, financial stability and macroeconomic development. The mortgage survey serves as an important basis…

• The Swedish Mortgage Market

  Data appendix: The Swedish Mortgage Market (2019)
• FI Supervision 29: Advisors are not taking customers’ sustainability preferences into account

  • Markets
  • Consumer
  • Published
  • Reports
  • Sustainability
  • In-depth analysis

  Published 2024-03-28 - Six out of ten say that sustainability is important when saving money. Advisors at banks, investment firms and insurance intermediaries have an obligation to…

• FI Supervision 29: Sustainable advice is a challenge for firms
• Two expert reports on macroprudential policy measures

  • Bank
  • Consumer
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2024-09-25 - Amortisation requirements, the LTI ratio, and the LTV cap are macroprudential policy tools that are used in Sweden and many other countries. But what are the…

• Jesper Rangvid: Effects of borrower-based measures

  J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
• FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

  • Consumer
  • Published
  • News
  • Reports
  • Fintech
  • Payments
  • Cryptoassets

  Published 2024-05-23 - More than half of Swedes who traded in cryptocertificates over the past six years have lost money on their investments. This is despite the underlying market…

• FI Analysis 44: Swedish Retail Trading in Cryptocertificates
• Borrower-based measures following high inflation and rising interest rates

  • Bank
  • Published
  • Reports
  • Mortgage

  Published 2022-11-11 - Changing or pausing the amortisation requirements is not an accurate or appropriate measure for helping the households with the greatest need for financial…

• Report: Borrower-based measures following high inflation and rising interest rates
• Stability in the Financial System (2023:1)

  • Bank
  • Insurance
  • Stability
  • Published
  • Reports
  • Payments

  Published 2023-05-31 - Since the publication of the stability report last autumn, inflation has slowed somewhat in the large economies but is still significantly higher than the…

• Stability in the Financial System 2023:1
• Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs

  • Bank
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  • Markets
  • Stability
  • Published
  • News
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  • Payments

  Published 2024-11-20 - The outlook for financial stability has improved somewhat in the past six months. Sweden continues to experience a mild economic downturn, but interest rate…

• Stability in the Financial System (2024:2)
• AI increasingly common in the financial sector, but risk management is lagging behind

  • Bank
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  • Published
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  • Fintech
  • Payments

  Published 2024-12-06 - The new generative AI technology has spread rapidly and extensively throughout the Swedish financial sector. At the same time, the work to manage the risks…

• Report: AI in the Swedish financial sector
• FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset

  • Markets
  • Consumer
  • Published
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  • Fintech

  Published 2021-02-22 - FI conducted a thematic review of the market for financial instruments with crypto-assets as an underlying asset. FI is of the view that there is a lack of…

• FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset
• FI Analysis 19: Young adults and the housing market

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  • Consumer
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2019-12-17 - This FI Analysis shows that the the increase in house prices is the primary reason it has become more difficult for young adults to buy a home.

• FI Analysis 19 - Young adults and the housing market
• Do loyal policyholders pay more?

  • Insurance
  • Consumer
  • Published
  • Reports

  Published 2022-07-08 - Finansinspektionen has analysed whether loyal policyholders pay higher premiums for the three non-life insurance products that are most important for…

• Report: Do loyal policyholders pay more?
• Swedish Consumer Credit

  • Bank
  • Consumer
  • Published
  • Reports

  Published 2020-10-01 - Even though consumer credit only constitutes a small portion of households’ total credit, the interest rate and amortisation payments for these credits amount…

• Report: Swedish Consumer Credit

  Data appendix
• FI Analysis 20: Fewer home equity withdrawals after amortisation requirements

  • Bank
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  • Mortgage

  Published 2019-12-17 - This FI Analysis shows that households’ tendency to use mortgages for purchases other than buying a home decreased following the amortisation requirements.

• FI Analysis 20: Fewer home equity withdrawals after amortisation requirements
• Swedish loans for consumption

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  • Consumer
  • Published
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  Published 2019-06-13 - The majority of consumption loans (non-mortgage loans) are small and have a high interest rate and a short maturity. However, it is households with large…

• Swedish Consumption Loans

  Data appendix: Swedish Consumption Loans
• Stability in the Financial System (2021:2)

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  • Stability
  • Published
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  • Coronavirus

  Published 2021-11-23 - Sweden’s economy has largely recovered and there is good access to financing in the financial system. The Riksbank should therefore begin the phase-out of…

• Stability in the Financial System 2021:2

  Capital requirements of Swedish banks as of Q3 2021
• FI Analysis No. 42: Gender differences in investment behaviour

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  • Consumer
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  Published 2024-03-18 - The study confirms previous results showing that women are underrepresented in the stock market. The differences arise as early as three years of age, which…

• FI Analysis No. 42: Gender differences in investment behaviour
• Stability in the Financial System (2021:1)

  • Bank
  • Insurance
  • Markets
  • Stability
  • Published
  • Reports
  • Coronavirus

  Published 2021-06-01 - The economy is continuing to recover. Support measures have been necessary to speed up the recovery, but they need to be gradually phased out as the economy…

• Stability in the Financial System 2021:1

  Report: Liquidity tools in UCITS and special funds
• The Swedish Mortgage Market (2020)

  • Bank
  • Consumer
  • Stability
  • Published
  • Reports
  • Mortgage

  Published 2020-04-02 - The percentage of new mortgagors with a high level of debt in relation to either their income or the value of the home continues to be high. New mortgagors in…

• The Swedish Mortgage Market 2020