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

  • Konsumentskydd
  • Publicerat
  • Rapporter
  • Bedrägerier
  • Spara
  • Konsument
  • Försäkra
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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)
• How FI reviews money laundering risks in the financial sector in 2025

  • Bank
  • Försäkring
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  • Penningtvätt
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  Publicerad 2025-03-10 - There is a high risk that the financial system is used by criminals to launder money and commit other crimes. In 2025, the Financial Supervisory Authority…

• Report on prioritized MLTF risks 2025

  FI's overall supervisory priorities (in Swedish)
• Notification by foreign UCITS regarding marketing of units in the undertaking in Sweden

  • Marknad

  Publicerad 2025-03-06 - A foreign UCITS which is domiciled within the EEA and has such authorisation in its home state as set out in 2009/65/EC of the European Parliament and of the…

• Marketing rules, etc., in Sweden (in Swedish)

  Instruction for notifications in accordance with the requirements set out in Directive 2009/65/EC, Article 93, points 7 and 8
• MoU between SRB, ECB, SNDO and FI

  • Bank
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  • Om FI
  • Nyheter

  Publicerad 2025-01-31 - A Memorandum of Understanding has been signed between the Single Resolution Board (SRB), the European Central Bank (ECB), the Swedish National Debt Office…

• Memorandum of Understanding between the Single Resolution Board, the European Central Bank, Swedish National Debt Office and Finansinspektionen
• FI Supervision 30: The banks can strengthen their sanction screening

  • Bank
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  • Rapporter
  • Fördjupad analys
  • Betalningar

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

  • Konsumentskydd
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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
• Financial education continues to be important for strengthening consumers

  • Konsumentskydd
  • Publicerat
  • Nyheter
  • Finanskunskap
  • Konsument

  Publicerad 2024-10-18 - Many people find it difficult to make decisions about their finances. The majority of Swedes understand financial terms but are not knowledgeable about how…

• Report: FI’s Work with Financial Literacy
• Regulations amending Finansinspektionen’s regulations and general guidelines (FFFS 2019:23) regarding annual accounts at insurance undertakings and institutions for occupational retirement provision.
  • Försäkring
  • Försäkringsföretag
  • Tjänstepensionsföretag

  Kompletterande regler finns i godkända internationella redovisnings- standarder, jämför IAS 38 Immateriella
• Two expert reports on macroprudential policy measures

  • Bank
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  • Stabilitet
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  • Bolån

  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
• Fraud prevention in payment services

  • Bank
  • Konsumentskydd
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  • Bedrägerier
  • Betalningar
  • Konsument
  • Betala

  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

  • Bank
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  • Stabilitet
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  • Bolån

  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

  • Bank
  • Stabilitet
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  • Rapporter

  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
• Firms continue to offer consumers unsuitable products

  • Konsumentskydd
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  • Nyheter
  • Rapporter
  • Kryptotillgångar
  • Spara
  • Konsument
  • Försäkra
  • Betala
  • Låna

  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

  • Penningtvätt
  • Publicerat
  • Rapportering
  • Nyheter
  • Rapporter
  • Betalningar
  • Kryptotillgångar

  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

  • Marknad
  • Konsumentskydd
  • Publicerat
  • Rapporter
  • Hållbarhet
  • Fördjupad analys

  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
• Markets

  • Rapportering

  Publicerad 2025-01-13 - Here we gather technical information about national reporting and according to ESMA's framework.

• Letter: Update on the forthcoming changes to the reporting of holdings for funds (2018-09-28) ( < 1MB)

  Letter: Changes to the reporting of holdings for funds (2018-06-21) ( < 1MB)

  Schema and technical specifications of reporting of holdings (2019-09-26) (zip-file)
• FI extends the risk weight floor for Swedish mortgage exposures

  • Bank
  • Kapitaltäckning
  • Stabilitet
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  • Särskilda PM & beslut
  • Nyheter
  • EBA
  • Bolån

  Publicerad 2023-12-14 - FI has decided to extend the risk weight floor by two years, from 31 December 2023 to 30 December 2025.

• FI’s decision (In Swedish): Beslut om riskviktsgolv för svenska bolåneexponeringar

  European Commission approves extension of the risk weight floor for Swedish mortgages (2023-11-09)

  FI notifies the EU regarding extension of the existing risk weight floor for Swedish mortgages (2023-09-13)
• Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made

  • Bank
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  • Stabilitet
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  • Rapporter
  • Betalningar

  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
• Protect consumers’ access to payment accounts

  • Bank
  • Konsumentskydd
  • Publicerat
  • Nyheter
  • Remissvar
  • Konsument
  • Betala

  Publicerad 2023-10-31 - Banks restrict consumers’ access to payment accounts more than is necessary to manage money laundering risks. We want to see stricter requirements on banks to…

• FI:s consultation response (In Swedish)

  The Payment Investigation (In Swedish) - Staten och betalningarna (SOU 2023:16)
• FI Supervision 27: Non-life insurance undertakings’ product approval processes

  • Försäkring
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  • Rapporter

  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
• New risk weight floors for bank loans to commercial properties

  • Bank
  • Kapitaltäckning
  • Publicerat
  • Särskilda PM & beslut
  • Nyheter

  Publicerad 2023-09-13 - Finansinspektionen has decided to introduce risk weight floors for exposures towards the commercial real estate sector according to article 458 in CRR. At the…

• Decision (In Swedish) Riskviktsgolv för svenska exponeringar med säkerhet i kommersiella fastigheter

  Memorandum (In Swedish): Riskviktsgolv för exponeringar med säkerhet i kommersiella fastigheter

  European Commission decision of 11.7.2023
• 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
• European Commission approves introduction of risk weight floors for bank loans to commercial real estate

  • Bank
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  Publicerad 2023-07-17 - The European Commission has announced that it does not intend to object to FI's intention to introduce risk weight floors for bank loans to commercial real…

• Commission Decision of 12.7.2023

  FI notifies the EU regarding the introduction of new risk weight floor for commercial real estate (2023-05-15)

  Memorandum (in Swedish)
• Stability in the Financial System (2023:1)

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  • Stabilitet
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  Publicerad 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
• FI proposes update to its approach for assessing Pillar 2 guidance for Swedish banks

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  Publicerad 2023-04-04 - Finansinspektionen presents a proposal for an update to its approach for assessing the size of the Pillar 2 guidance for Swedish banks. The proposal entails…

• Memorandum (in Swedish)

  Letter (in Swedish)
• Proposal for new risk weight floors for bank loans to commercial properties

  • Bank
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  • Publicerat
  • Nyheter

  Publicerad 2023-03-29 - FI is proposing to introduce risk weight floors for exposures towards the commercial real estate sector according to article 458 in CRR. At the same time the…

• Cover letter (in swedish)

  Memorandum (in swedish)
• The Swedish Mortgage Market 2023

  • Bank
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  • Stabilitet
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  • Rapporter
  • Bolån

  Publicerad 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
• Swedbank receives a remark and an administrative fine

  • Bank
  • Publicerat
  • Sanktioner

  Publicerad 2023-03-15 - Swedbank is being issued a remark and must pay an administrative fine of SEK 850 million.

• Decision: Remark and administrative fine – Swedbank AB
• Swedish Consumer Credit

  • Konsumentskydd
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  • Rapporter

  Publicerad 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
• FI Analysis No. 39: Are the capital buffers fulfilling their purpose?

  • Bank
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  • Stabilitet
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  Publicerad 2022-12-16 - The minimum requirement for own funds and eligible liabilities (MREL) is designed in such a way that the banks can breach it before they breach the capital…

• FI Analysis No. 39: Are the capital buffers fulfilling their purpose? – The relationship between MREL and the capital requirements