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Consumer Protection Report 2023
- Bank
- Insurance
- Markets
- Consumer
- Published
- Reports
- Payments
Published 2023-07-25 - As well as following up on this during the year, we will take a closer look at the way that 'payday lenders
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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 - In Sweden, trading in cryptocertificates is a common way to invest in cryptoassets.
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FI Analysis 44: Swedish Retail Trading in Cryptocertificates
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Two expert reports on macroprudential policy measures
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
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…
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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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Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
- Bank
- Insurance
- Markets
- Stability
- Published
- News
- Reports
- 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…
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FI Supervision 30: The banks can strengthen their sanction screening
- Bank
- Money laundering
- Published
- Reports
- In-depth analysis
- Payments
Published 2024-12-09 - FI has tested the effectiveness of 19 banks' automated sanction screening systems. The result shows that the effectiveness of the systems that the banks use…
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FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
- Bank
- Markets
- Stability
- Published
- Reports
Published 2023-11-28 - In this analysis, we estimate how much Swedish listed and larger privately owned commercial real estate firms need to reduce their debt in a climate of rising…
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FI Analysis No.41: Commercial real estate firms may need to reduce their debt
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
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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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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 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…
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FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
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Två expertrapporter om makrotillsynsåtgärder
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
- Borrow
Published 2024-09-25 - Amorteringskrav, skuldkvoter och tak för belåningsgrad är verktyg för makrotillsyn i Sverige och många andra länder. Men vilka är de potentiella effekterna av…
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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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Sustainability Report 2021 – the climate in focus
- Bank
- Insurance
- Markets
- Consumer
- Stability
- Published
- Reports
- Sustainability
Published 2021-03-18 - Finansinspektionen has an assignment to promote the financial system’s contribution to sustainable development. The sustainability report outlines the current…
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FI Analysis 30: Internal price on carbon – what and why?
- Bank
- Insurance
- Markets
- Published
- Reports
- Sustainability
Published 2021-03-18 - The most efficient way to achieve this is by raising the cost of emissions compared to today. … One way is for firms to already incorporate in their internal processes a higher price than the market
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Open finance in Sweden
- Bank
- Insurance
- Markets
- Consumer
- Published
- News
- Reports
- 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…
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FI Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority
- Bank
- Consumer
- Published
- Reports
- Borrow
Published 2021-12-07 - There are different types of lenders. They offer different types of loans, and their risk tolerance varies. The risk tolerance is evident in their business…
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FI Analysis No. 42: Gender differences in investment behaviour
- Bank
- Markets
- Consumer
- Published
- News
- Reports
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…
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FI Analysis No. 42: Gender differences in investment behaviour
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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 Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority
- Consumer
- Stability
- Published
- News
- Reports
- Consumer
- Borrow
Published 2025-02-27 - Between the years 2020 and 2023, the number of borrowers with a new unpaid debt registered with the Swedish Enforcement Authority has increased by 23 per…
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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…
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Report: Borrower-based measures following high inflation and rising interest rates
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FI Analysis 25: Interest rate deductions and households’ loans
- Bank
- Consumer
- Stability
- Published
- Reports
- Mortgage
Published 2020-11-17 - In this FI Analysis, we calculate the impact of a change to the interest deduction. The reason for this analysis is the direct link between interest deductions and households’ loans.
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FI Analysis 25: Interest rate deductions and households’ loans
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Is there a need for supplementary and gadget insurance?
- Insurance
- Consumer
- Published
- Reports
Published 2023-02-20 - Consumers’ need for supplementary insurance differs by age. Younger consumers have a greater need for this type of insurance, while older consumers often have…
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Report: Is there a need for add-on cover and gadget insurance?
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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 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
- Bank
- Stability
- Published
- Reports
Published 2022-04-28 - In this FI Analysis, we study how the risk weight floor has impacted the banks’ lending to CRE firms using detailed lending data. The aim is to analyse…
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FI Analysis 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
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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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FI proposes enhanced preventive work in efforts to prevent investment fraud
- Consumer
- Published
- Reports
- Frauds
Published 2024-11-07 - An increasing number of consumers are falling victim to investment fraud. In a report to the Government, FI proposes, among other things, enhanced work to…
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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 - Expensive and complex products are unsuitable for most consumers. Despite this, firms offer such products on a broad front. This is one of the consumer risks…
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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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Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment
- Bank
- Insurance
- Markets
- Stability
- Published
- News
- Reports
- Payments
Published 2024-05-27 - The outlook for financial stability has improved somewhat, and uncertainty has decreased, but we are still in the middle of a recession. Higher costs for both…
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Stability in the Financial System (2020:2)
- Bank
- Insurance
- Markets
- Stability
- Published
- Reports
- Coronavirus
Published 2020-11-25 - The pandemic has triggered a deep economic recession in many countries, even if a slight recovery has begun. Extensive support measures have mitigated the…
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Stability in the Financial System
FI Analysis 26: Macro-based credit loss model for major Swedish banks
