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

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  Publicerad 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)
• The Bank Barometer
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  The Bank Barometer describes the Swedish banking system and is published twice a year. The report presents statistics on, among other things, deposits,…
• The Bank Barometer: Net profit of Swedish banks continues to increase

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  Publicerad 2025-04-24 - Swedish banks’ net profit increased by SEK 4 billion in 2024 despite a decrease in net interest income. These are the main conclusions in Finansinspektionen’s…

• The Bank Barometer April 2025
• The Swedish Mortgage Market: Households need to have margins for an uncertain future

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  Publicerad 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 – Summary
• Legal Position: Rule interpretation for deposits via digital platforms

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  Publicerad 2025-03-24 - An increasing number of banks and other credit institutions are offering savings via digital deposit platforms. This makes them more vulnerable since the…

• Legal position: Deposits through digital deposit platforms

  Report: Increased deposits via deposit platforms (Summary)
• Household savings in Sweden

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

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  Publicerad 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)
• FI Analysis No. 47: The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?

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  Publicerad 2024-12-11 - During the spring of 2023, one Swiss bank and several US banks failed. Multiple actors in both the US and internationally have analysed the underlying causes.…

• FI Analysis No. 47: The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
• FI Supervision 30: The banks can strengthen their sanction screening

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  Publicerad 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…

• In depth analysis on sanction screening
• AI increasingly common in the financial sector, but risk management is lagging behind

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

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  Publicerad 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)
• FI proposes enhanced preventive work in efforts to prevent investment fraud

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  Publicerad 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…

• Report: Preventing Investment Fraud
• Two expert reports on macroprudential policy measures

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  Publicerad 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 identifies transition risks in banks’ lending portfolios

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  Publicerad 2024-06-04 - There are climate-related transition risks in Swedish banks’ lending portfolios. This is the conclusion of an analysis Finansinspektionen (FI) conducted by…

• Report: Transition risks in banks’ lending portfolios
• Fraud prevention in payment services

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  Publicerad 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)
• Interest rate puts pressure on indebted households

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  Publicerad 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
• FI Analysis 45: High risks in small and mid-sized commercial real estate firms

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  Publicerad 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
• Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment

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  Publicerad 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…

• Stability in the Financial System
• FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

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  • Kryptotillgångar

  Publicerad 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
• FI would like the financial market to shift its sustainability work into the next gear

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  Publicerad 2024-05-20 - There is a lot of work left to do before the financial market fully contributes to a sustainable economy. For example, firms need to be better at identifying…

• Sustainability – how has the financial sector progressed?
• Firms continue to offer consumers unsuitable products

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  Publicerad 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…

• Consumer Protection Report 2024
• FI prioritizes particularly vulnerable sectors to combat money laundering

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  Publicerad 2024-04-17 - Money laundering is a global problem that allows criminals to transact large sums of money without revealing their illegal activities. In order to counteract…

• Report: Prioritised risks in anti-money laundering and combating the financing of terrorism

  Our supervision priorities for 2024
• FI Supervision 29: Advisors are not taking customers’ sustainability preferences into account

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  Publicerad 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
• FI Analysis No. 42: Gender differences in investment behaviour

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  Publicerad 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
• Comprehensive overview is important when changing the conditions on the housing market

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  Publicerad 2024-02-22 - FI has received an assignment from the Government to assess an increase in the loan-to-value (LTV) cap from 85 to 90 percent. At the same time, the Government…

• Report (In Swedish): FI:s syn på en höjning av bolånetaket från 85 till 90 procent
• FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden

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  Publicerad 2023-12-14 - In this FI-analysis we adapt the systemic risk indicator d-SRI to Swedish conditions. d-SRI is intended to give an early warning signal before crises caused by domestic imbalances arise.

• FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
• FI Analysis No. 41: Commercial real estate firms may need to reduce their debt

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  Publicerad 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…

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

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  Publicerad 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 Supervision 27: Non-life insurance undertakings’ product approval processes

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  Publicerad 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…

• FI Supervision 27: Non-life insurance undertakings' product approval processes
• Consumer Protection Report 2023

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  Publicerad 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.

• Consumer Protection Report 2023