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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…
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Stability in the Financial System (2025:1): Uncertainty could persist for a while
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- Konsumentskydd
- Stabilitet
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Publicerad 2025-05-16 - The uncertainty in geopolitical and economic developments is high, and the risk of negative shocks is higher now than it was last autumn. At the same time,…
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Stability in the Financial System (2025:1)
Bank exposures are largely the same as in the autumn of 2024.
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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,…
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Report: Household savings in Sweden
Sav. Custody Inv. Sav. Custody Inv. Sav. Custody Inv. Sav.
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FI proposes enhanced preventive work in efforts to prevent investment fraud
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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
Consumers are thus tricked into repeatedly investing money in something that they believe is safe and profitable.
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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…
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Stability in the Financial System (2024:2)
However, bank deposits remained the same over the past two years.
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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…
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Report: Fraud prevention in payment services (In Swedish)
En betaltjänstleverantör som har anledning att misstänka att en transaktion är behörig, har dock rätt till skälig tid för att undersöka saken.
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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…
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Stability in the Financial System
This can be more efficient, safer and cheaper.
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Firms continue to offer consumers unsuitable products
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- Kryptotillgångar
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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
The same applies to unlisted corporate bonds, some funds, and endowment insurance. • These products can be very volatile.
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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
However, not all men invest in the same way, and the same applies to women.
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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…
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FI Supervision 27: Non-life insurance undertakings' product approval processes
For this reason, any sales outside the target group need to be followed up.
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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
In this case, it is noteworthy that many households are exposed to the same set of market rates and the same type of debt-financed asset.
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Cyber threats and financial stability – FI’s roll and assignments
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Publicerad 2021-03-04 - In recent years, a number of legislative proposals and other initiatives have been presented to strengthen the financial sector’s resilience to cyberattacks.…
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Cyber threats and financial stability – FI’s role and assignments
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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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FI Analysis 25: Interest rate deductions and households’ loans
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Publicerad 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
The amortisation requirements do not have the same effect.
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FI Analysis 23: Can the bond market dampen the credit cycle?
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Publicerad 2020-10-14 - The access of non-financial firms to credit is central for financial stability, particularly during financial crises. In recent years, the market for…
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FI Analysis 23: Can the bond market dampen the credit cycle?
Although the issuer is the same, the markets are different.
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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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Consumer Protection Report 2020
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Publicerad 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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Consumer Protection Report 2020
At the same time, credit providers have a great deal of responsibility.
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FI Analysis 18: Swedish risk premia and monetary policy
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Publicerad 2019-10-09 - A disorderly and abrupt increase in international market rates could lead to significantly higher term and equity risk premia. This is the conclusion of an…
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FI Analysis 18: Swedish risk premia and monetary policy
same.
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FI-analysis 13: Low for long and large annuity payments
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Publicerad 2018-05-14 - Theprevailing low interest rate environment is challenging for pension managers who pledge a guaranteed rate of return to their beneficiaries.
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FI-analysis 13: Low for long and large annuity payments
Federal Reserve Bank of San Francisco Working Papers 2015-16. Summers, L. H. (2014).
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Priorities in FI’s supervision to strengthen consumer protection
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- Finanskunskap
Publicerad 2018-03-27 - 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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Report: Priorities in FI’s supervision to strengthen consumer protection
In addition, a restriction is being introduced on the marketing, distribution and sale of CFDs to consumers.
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FI establishes an innovation centre
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- Fintech
Publicerad 2017-12-01 - FI is establishing a fintech innovation centre that will provide information to and maintain a dialogue with companies conducting innovation-based business.…
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Report: FI's role regarding innovation
The participants were therefore able to feel safe and anonymous at the same time as the material was left behind without links to individual companies
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Stability in the Financial System
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Publicerad 2017-05-31 - The Swedish economy is thriving, but a strong economy combined with low interestrates has resulted in high asset prices and rapidly rising household debt.
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Consumer Protection on the Financial Market (2017)
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Publicerad 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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Consumer Protection on the Financial Market (2016)
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Publicerad 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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Report: Consumer Protection on the Financial Market (2016)
In some cases, the sales were the result of advice from banks and securities companies.
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Supervision of insurance undertakings
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- Solvens 2
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Publicerad 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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Report: Supervision of insurance undertakings
It is difficult to say how large a share of sales of unit-linked insurance occurs through advice.
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Stability in the Financial System
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Publicerad 2016-05-26 - FI makes the assessment that the resilience of the financial system in Sweden is satisfactory, but vulnerabilities remain. The Swedish banks have buffers, but…
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Report: Stability in the Financial System
The interbank interest rates in foreign markets have also declined during the same period.
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Terrorism financing
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Publicerad 2016-03-17 - The national risk assessment regarding the financing of terrorism that was published in June 2014 identified a need to increase knowledge and awareness about…
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Crowdfunding in Sweden
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Publicerad 2015-12-15 - Alternative forms of funding can have a positive effect on the competition in and efficiency of the financial market by enabling more projects to find funding…
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Report: Crowdfunding in Sweden
I sak innebär detta i princip samma sak; aktier tillhörande ett privat aktiebolag får inte bli föremål för handel på en börs.56 Aktier tillhörande
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FI-analysis 4: A model for household debt
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Publicerad 2015-12-11 - This FI-analysis introduces a model for household debt in Sweden.
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FI analysis 4: A model for household debt
Then one puts restrictions on both varia- bles at the same time.
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Stability in the financial system 2015:2
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Publicerad 2015-12-01 - Resilience in the Swedish financial system is satisfactory. However, the sharp rise in housing prices means that household debt is growing rapidly.
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Report: Stability in the financial system 2015:2
At the same time, their assets have increased to around SEK 14,000 billion.
