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How FI reviews money laundering risks in the financial sector in 2025
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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…
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Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market
- Konsumentskydd
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- Rapporter
- Bedrägerier
- Spara
- Konsument
- Försäkra
- Betala
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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…
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The Swedish Mortgage Market: Households need to have margins for an uncertain future
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- Konsumentskydd
- Stabilitet
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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…
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Report: The Swedish Mortgage Market 2024
The development was then indexed using 2017 as the base year.
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Stability in the Financial System (2025:2)
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- Försäkring
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- Stabilitet
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- Betalningar
Publicerad 2025-11-26 - The sentiment in the Swedish economy has improved in recent months even if households continue to demonstrate weaker sentiment than normal.
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FI proposes enhanced preventive work in efforts to prevent investment fraud
- Konsumentskydd
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- Bedrägerier
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…
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Report: Preventing Investment Fraud
Stockholm 31 October 2024 Daniel Barr Director General FINANSINSPEKTIONEN Preventing Investment Fraud Summary 4 Summary In Sweden,
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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…
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Jesper Rangvid: Effects of borrower-based measures
After all, in bad times you want credit markets to help people smooth consumption.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
Collectively, ‘bad’ combinations of some of these features can result in high percentages of housing values represented by land.
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Fraud prevention in payment services
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- Konsumentskydd
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- Nyheter
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- Bedrägerier
- Betalningar
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- 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…
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Report: Fraud prevention in payment services (In Swedish)
Bestämmelsen i betaltjänstlagen om återställande av konto gäller nämligen bara obehöriga transaktioner5.
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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…
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Report: Prioritised risks in anti-money laundering and combating the financing of terrorism
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Firms continue to offer consumers unsuitable products
- Konsumentskydd
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- Nyheter
- Rapporter
- Kryptotillgångar
- Spara
- Konsument
- Försäkra
- Betala
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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…
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Consumer Protection Report 2024
In addition to suffering economic damages, many also feel bad and are ashamed that they were tricked.
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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…
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FI Analysis No. 42: Gender differences in investment behaviour
Thus, we base our analysis on individuals’ trading of stocks and not necessarily their holdings.
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FI Supervision 29: Advisors are not taking customers’ sustainability preferences into account
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- 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…
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FI Supervision 29: Sustainable advice is a challenge for firms
and accounts of our observations, which are presented for groups of firms, the report also includes several boxes where we present both good and bad
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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…
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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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Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
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- 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…
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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
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Consumer Protection Report 2023
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- Betalningar
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.
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Consumer Protection Report 2023
FI has previously argued for a ban on commission on the securities and savings insurance market to mitigate this risk.33 However, such a ban has not
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FI Analysis 38: Loans and payment problems among women and men
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Publicerad 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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Borrower-based measures following high inflation and rising interest rates
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- Bolån
Publicerad 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
The bars add up to one hundred, and the colours for each bar show the percentage covered by amortisation requirements.
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Swedish Consumer Credit
- Konsumentskydd
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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…
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This is illustrated in the diagram by the bars with lines.
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Stability in the Financial System (2022:2)
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Publicerad 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 Analysis No 36: Has FI’s risk weight floor had an impact on banks’ CRE lending?
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Publicerad 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?
A broader financing base can also help spread risk for the CRE firms.
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Stability in the Financial System (2021:2)
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- Coronaviruset
Publicerad 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…
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Overall assessment of macroprudential measures
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- Konsumentskydd
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- Bolån
- Coronaviruset
Publicerad 2021-06-30 - Since 2010, FI has implemented a number of macroprudential measures aimed at increasing the resilience in the financial system and subduing the risks…
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Overall assessment of macroprudential measures (Summary and chapter on FI’s overall assessment)
Capital-based macroprudential measures have increased the resilience in the banking system and created buffers that the banks can use on in bad times
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FI Supervision Report 23: Observations from anti-money laundering reporting
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- Försäkring
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- Penningtvätt
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- Rapportering
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Publicerad 2021-06-18 - FI has analysed and compared information that firms under FI’s money laundering supervision reported to the authority during the years 2018-2021. The analysis…
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FI Supervision Report 23: Observations from anti-money laundering reporting
national risk assessment for 2020 presents the results of a sector-by-sector risk analysis, where FI, along with 15 other authorities and the Swedish Bar
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FI Analysis No. 33: Household debt and resilience
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Publicerad 2021-06-10 - The ability to borrow is beneficial to households in many ways. At the same time, debt can make their consumption more sensitive to unexpected changes in…
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FI Analysis No. 33: Household debt and resilience
Baker (2018) illustrates this point using micro data on US households during the financial crisis.
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FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
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Publicerad 2021-05-12 - Loans and other debts are of significance to repayment problems. This analysis focuses on the significance of loans to individual’s repayment problems.
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FI Analysis 32: Loans, payment problems and debts at the Swedish Enforcement Authority
ENFORCEMENT AUTHORITY 2 We analyse payment problems Borrowing money enables households to consume without having to save first; this can be both good and bad
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Consumer Protection Report 2021
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Publicerad 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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Stability in the Financial System (2020:2)
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- Coronaviruset
Publicerad 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
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Swedish Consumer Credit
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Publicerad 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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Report: Swedish Consumer Credit
Note: The bars for each type of loan add up to 100 per cent.
Note: Each bar shows the distribution between types of loan for each age group.
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FI Analysis 22: Fewer high-cost short-term credits after new rules
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Publicerad 2020-10-01 - After the provisions regarding high-cost short-term credits were changed in 2018 – in part by introducing an interest rate ceiling and cost ceiling – these…
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FI Analysis 22: Fewer high-cost short-term credits after new rules
The estimated impact of the reform is the sum of the green and yellow area in the split bar. Diagram 13.
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Stability in the Financial System (2020:1)
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- Coronaviruset
Publicerad 2020-06-04 - The coronavirus pandemic has resulted in an exceptional stress for the real economy. Governments, central banks and supervisory authorities have implemented…
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FI Analysis 19: Young adults and the housing market
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Publicerad 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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FI Analysis 19 - Young adults and the housing market
Note: The bars refer to the cost of housing construction rela- tive to the European average. Diagram 3.
