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												FI Supervision 27: Non-life insurance undertakings’ product approval processes- Insurance
- Consumer
- Published
- News
- Reports
 Published 2023-09-21 - The process for product approval is central from a consumer protection perspective. It aims to ensure that insurance undertakings focus on consumer interests… 
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														FI Supervision 27: Non-life insurance undertakings' product approval processes 
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												Consumer Protection Report 2022- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
 Published 2022-04-28 - Unsound lending practices and commission from the sale of financial instruments are the highest prioritised risks in Finansinspektionen’s (FI) consumer… 
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												Household savings in Sweden- Consumer
- Published
- Reports
- Save
- 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,… 
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												FI Supervision 20: Distribution of Life Insurance- Insurance
- Consumer
- Published
- Reports
 Published 2020-10-22 - The majority of the distribution on the life insurance market occurs through external distribution channels. It is therefore important for insurance firms to… 
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												FI Analysis 29: Why do some borrowers experience payment problems?- Consumer
- Published
- Reports
- Borrow
 Published 2021-02-24 - Young borrowers and borrowers with low income have a higher risk of experiencing payment problems when taking non-mortgage loans. The risk decreases if the… 
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														FI Analysis 29: Why do some borrowers experience payment problems? 
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												Consumer Protection Report 2021- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
 Published 2021-02-24 - Paying by invoice or with other credit-based offers is becoming an integral part of shopping online. Young adults are unique with their small margins and… 
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												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… 
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														FI Analysis 44: Swedish Retail Trading in Cryptocertificates 
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												Firms continue to offer consumers unsuitable products- Consumer
- Published
- News
- Reports
- Cryptoassets
- Save
- Consumer
- Insure
- Pay
- Borrow
 Published 2024-05-08 - When a customer chooses one product over another, the distributor can receive as much as ten times more 
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												Consumer Protection Report 2020- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
 Published 2020-02-14 - Finansinspektionen (FI) will prioritise two consumer protection risks for further work in 2020: unaffordable lending and unsuitable advice and distribution of… 
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												Interest rate puts pressure on indebted households- Bank
- Consumer
- Stability
- Published
- News
- Reports
- Mortgage
- Borrow
 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… 
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												FI Analysis 28: Liquid assets of Swedish households- Consumer
- Stability
- Published
- Reports
- Mortgage
 Published 2021-01-21 - Aggregate statistics indicate that Swedish households are holding significant assets in the form of cash, bank savings, fund shares and securities. The… 
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												Swedish Consumer Credit- Bank
- Consumer
- Published
- Reports
- Borrow
 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… 
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												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… 
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												FI Analysis 38: Loans and payment problems among women and men- Published
- Reports
- Borrow
 Published 2023-04-14 - Among borrowers over the age of 45, it is more common for women than men to have a debt registered with the Enforcement Authority. One explanation could be… 
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														FI Analysis 38: Loans and payment problems among women and men FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority 
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												Swedish loans for consumption- Bank
- Consumer
- Published
- Reports
- Mortgage
- Borrow
 Published 2018-06-14 - Most loans for consumption are small and have a high effective interest rate and a short maturity. Households with large loans represent the largest share of… 
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												AI increasingly common in the financial sector, but risk management is lagging behind- Bank
- Insurance
- Markets
- Published
- News
- Reports
- 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… 
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												Swedish loans for consumption- Bank
- Consumer
- Published
- Reports
- Borrow
 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… 
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												Stability in the Financial System (2022:2)- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
 Published 2022-11-29 - High inflation has led to rapidly rising interest rates. Given the current rapid change in conditions, both participants on the financial markets and… 
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														Stability in the financial system 2002:2 Macro-based stress tests of Swedish banks: results and method, Autumn 2022 
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												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… 
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												Supervision of insurance undertakings- Insurance
- Solvens 2
- Published
- Reports
 Published 2016-08-15 - FI has observed deficiencies in the insurance undertakings' practical management of surplus and in their internal guidelines for and information to their… 
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												FI Analysis No. 40: Winners and losers in the trading of meme stocks- Markets
- Published
- Reports
 Published 2023-05-26 - In 2021, Gamestop, a relatively unknown American company, experienced a sudden increase in its stock price. The price increase had been orchestrated by a… 
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														FI Analysis No. 40: Winners and losers in the trading of meme stocks 
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												Consumer Protection on the Financial Market (2017)- Consumer
- Published
- Reports
 Published 2017-05-11 - Finansinspektionen (FI) presents in this report the risks consumers are facing on the financial market and that FI is prioritising in its supervision. One… 
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												FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset- Markets
- Consumer
- Published
- Reports
- 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… 
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														FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset 
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												The Swedish Mortgage Market: Households need to have margins for an uncertain future- Bank
- Consumer
- Stability
- Published
- News
- Reports
- Mortgage
- Borrow
 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… 
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												Swedish Consumer Credit- Consumer
- Published
- Reports
- Borrow
 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… 
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												FI Analysis 19: Young adults and the housing market- Bank
- 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. 
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												Consumer Protection on the Financial Market (2016)- Consumer
- Published
- Reports
 Published 2016-08-18 - One of the main goals of financial supervision is to help provide comprehensive protection for consumers. In its annual report, Consumer Protection on the… 
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												A necessary step for a better savings market- Markets
- Consumer
- Published
- Reports
 Published 2016-07-14 - FI believes that independent financial advice would play an important role on the savings market, since consumers are at an information disadvantage in… 
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												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… 
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														FI Supervision 29: Sustainable advice is a challenge for firms 
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												Consumer Protection Report 2023- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
- Payments
 Published 2023-07-25 - The risks given the highest priority in FI’s consumer protection work for 2023 are unaffordable lending, unsuitable investment products and investment fraud.