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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
- Betala
- Låna
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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Two expert reports on macroprudential policy measures
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
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
Kabas, Gazi and Kasper Roszbach (2023). The price of leverage: learning from the effect of LTV constraints on job search and wages. Manuscript.
J. Muellbauer & J. Kaszowska-Mojsa: The effects of BBMs
The MACROPRU model can also be used to test the findings that were highlighted in Kabas and Roszbach (104).
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Fraud prevention in payment services
- Bank
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- 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…
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Report: Fraud prevention in payment services (In Swedish)
7 5 a kap. betaltjänstlagen. 8 5 kap. 4§ betaltjänstlagen. 9 5 b kap. 1§ betaltjänstlagen. 10 5 kap. 1§ 3 FI:s föreskrifter (FFFS 2018:4) om verksamhet
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FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
- Stabilitet
- Publicerat
- Rapporter
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.
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FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
Kakes, B. Klaus, J.H. Lang, N. Puzanova and P. Welz (2014).
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Swedish Consumer Credit
- Konsumentskydd
- Publicerat
- Rapporter
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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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Begränsad KALP Mer omfattande KALP FINANSINSPEKTIONEN Swedish Consumer Credit Lenders’ credit checks 22 Note: Limited discretionary income
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FI Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority
- Bank
- Konsumentskydd
- Publicerat
- Rapporter
- Låna
Publicerad 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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information KALP More detailed KALP FINANSINSPEKTIONEN THE IMPORTANCE OF LENDERS IN PAYMENT PROBLEMS AND DEBTS REGISTERED WITH THE SWEDISH ENFORCEMENT
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FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
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- Stabilitet
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- Coronaviruset
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Publicerad 2021-06-30 - The temporary amortisation exemption resulted in new mortgagors borrowing almost 4 per cent more and buying homes that were approximately 1 per cent more…
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FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
These differences were even smaller when broken down by household surplus using the KALP (discretionary income) calculation.6 This indicates that the
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The Swedish Mortgage Market (2021)
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
Publicerad 2021-03-24 - New borrowers continue to take larger mortgages in relation to their income and the value of their home. At the same time, they have good margins for…
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FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
- Fintech
Publicerad 2021-02-22 - FI conducted a thematic review of the market for financial instruments with crypto-assets as an underlying asset. FI is of the view that there is a lack of…
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FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset
. 18 Implemented in Swedish law through 5 kap. 22 § Finansinspektionens föreskrifter FFFS 2017:2 om värdepappersrörelse.
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FI Analysis 25: Interest rate deductions and households’ loans
- Bank
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
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
KALP calculation In Sweden, some lenders use a discretionary income calculation known as KALP (an acronym from the Swedish for ‘amount left over to
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Swedish Consumer Credit
- Bank
- Konsumentskydd
- Publicerat
- Rapporter
- Låna
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
Andel låntagare med KALP-beräkning i olika lånintervall (tkr) Diagram 23.
which there is a discretionary income calculation. 0 10 20 30 40 50 60 70 < 2 2-5 5-10 10-20 20-50 50- 100 100- 200 > 200 Låntagare med KALP
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Swedish loans for consumption
- Bank
- Konsumentskydd
- Publicerat
- Rapporter
- Bolån
- Låna
Publicerad 2018-06-14 - Most loans for consumption are small and have a high effective interest rate and a short maturity. Households with large loans represent the largest share of…
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Crowdfunding in Sweden
- Konsumentskydd
- Publicerat
- Rapporter
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
För avtal om finansiella tjänster eller om överlåtelse eller emission av finansiella instrument gäller i stället 3 kap. 3 kap. tillämpas när ett distansavtal
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Stability in the financial system
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2014-06-12 - Sweden has a large and interlinked financial system that is dominated by four major banks. Several measures have been taken in recent years to strengthen its…
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Stability in the financial system 2014
The interlin- kage partly comes from direct exposures, and partly from more indirect channels linked to the major banks having similar business models
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Individually tailored amortisation plan
- Publicerat
- Rapporter
Publicerad 2013-10-14 - Individually tailored amortisation plan
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Report in Swedish: Individuellt anpassad amorteringsplan
Enligt 6 kap. 4 § LBF ska ett kreditinstituts rörelse drivas på ett sätt som är sunt (sundhetskravet/sundhetsregeln).
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Improved transparency around mortgage rates (Summary)
- Publicerat
- Rapporter
Publicerad 2013-09-17 - Improved transparency around mortgage rates (Summary)
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Report in Swedish: Ökad öppenhet om bolåneräntan
11 Bankspecifi ka faktorer 11 Faktiska utlåningsräntor för bolån 12 Konsumentspecifi ka faktorer 13 Långsiktigt perspektiv och möjlighet att påverka 14
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The insurance barometer (2009:12)
- Försäkring
- Publicerat
- Rapporter
Publicerad 2009-10-26 - The insurance barometer, at a total level, summarises the outcome of the insurance companies’ reporting to Finansinspektionen using the traffic light model…
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Report in Swedish: The insurance barometer
Det innebar att kapi- talbasen minskade och till följd av det försämrades solvenskvoten kraftigt.
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Insurance intermediaries. In the borderland between marketing and mediation
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2009-04-23 - During 2008, FI has conducted a survey of the insurance intermediaries’ operations. The survey has covered 850 insurance intermediaries who have answered a…
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Insurance intermediaries In the borderland between marketing and mediation (report summary)
Report in Swedish: Kartläggning av försäkringsförmedlarnas verksamhet (2009:4)
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Development on the mortgage market
- Bank
- Publicerat
- Rapporter
Publicerad 2009-05-15 - Finansinspektionen (FI) has surveyed the development in the banks’ lending for single-family houses and tenant-owner’s flats. At the end of 2008, Swedish…
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Report in Swedish: Bolån liten risk för bankerna (2009:7)
Krav om instruktioner finns i lagen (2004:297) om bank och finansierings- rörelse 6 kap 5 §. 5 I bolåneundersökningen 2008:6, uppgifter per 2007-09-31
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The banks’ lending for commercial real estate in Sweden
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- Publicerat
- Rapporter
Publicerad 2009-05-25 - Based on input reported statistical material, we find that the current financial crisis has yet to make any obvious impression in the form of insolvency and…
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Report in Swedish: Fastighetsutlåning orubbad av finanskrisen (2009:9)
Samtidigt har räntenivån sänkts under senare tid vilket mins- kar företagens upplåningskostnader.
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Consumer protection in the financial markets
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2009-05-29 - FI assesses that the consumer’s position on the financial market is good in general, despite significant conflicts of interest and the complexity of many…
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Report in Swedish: Konsumentskyddet på finansmarknaden (2009:10)
Tillsammans med Kronofogden och Konsumentverket har FI drivit kam- panjen ”Koll på cashen”.
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FI tightens control of insurance groups
- Försäkring
- Publicerat
- Rapporter
Publicerad 2008-06-26 - Finansinspektionen has reviewed 51 companies that did not report that they are a part of an insurance group. The result was that 47 of these companies were a…
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Report in Swedish: FI skärper kontrollen över försäkringsgrupper (2008:16)
Undersökningen Tillsynen av försäkringsgrupper enligt EG-direktiv har införts i svensk lag- stiftning i 7 a kap.
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Evaluation of securities settlement in Sweden in 2007
- Marknad
- Publicerat
- Rapporter
Publicerad 2008-02-13 - The financial markets have several important functions. They convert savings into investments, supply tools for risk management and offer payment services.…
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Report in Swedish: Utvärdering av värdepappersavveckling i Sverige 2007 (2008:5)
Den rättsliga grunden för utlåning av värdepapper återfinns i LHF 3 kap.
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Standard terms and conditions for financial services
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2007-08-31 - Report in accordance with the 2007 letters of appropriation forFinansinspektionen and Konsumentverket
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Standard terms and conditions for financial services (report summary)
Report in Swedish: Standardvillkor för finanstjänster (2007:15)
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The process for new issues and initial public offerings
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- Publicerat
- Rapporter
Publicerad 2007-07-05 - This report describes the process that precedes a new issue or initial publicoffering. It clarifies various phenomena that investors should be aware of…
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Report in Swedish: Processen vid nyintroduktioner och emissioner (2007:11)
av lagen (2007:528) om värdepappersmarknaden, 8 kap. 21§.
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New issues and initial public offerings – are safeguards working for investors?
- Marknad
- Publicerat
- Rapporter
Publicerad 2007-07-05 - Finansinspektionen (FI) has examined how securities institutions and issuersfollow the regulations for new issues and initial public offerings and…
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Report in Swedish: Emissioner och nyintroduktioner - fungerar skyddet för investerarna? (2007:12)
Reglering avseende garantigivning Lagen (1991:981) om värdepappersrörelse 1 kap. 3§ punkt 5.
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Information disclosure by fund management companies
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2007-05-09 - This study shows that five of 18 reviewed fund management companiessystematically failed to offer their customers information as stipulated by law.
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Report in Swedish: Fondbolagens informationsgivning II (2007:6)
Undersökningen genomfördes mellan december 2006 och april 2007. 3 4 kap. 15 § lagen (2004:46) om investeringsfonder 4 4 kap. 20 § första stycket
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Government bond market – the need for regulation and supervision
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- Marknad
- Publicerat
- Rapporter
Publicerad 2007-07-12 - This report discusses Finansinspektionen’s view on the need for regulation andsupervision in the government bond market. FI’s level of ambition in…
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Government bond market – the need for regulation and supervision (report summary)
Report in Swedish: Statsobligationsmarknaden – behovet av reglering och tillsyn (2007:14)
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Insurance-based pensions saving
- Försäkring
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2007-05-10 - The insurance market for Swedish consumers has changed a lot over the lastcouple of decades. The range of insurance forms has decreased while forms ofasset…
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Report in Swedish: Pensionsspara i försäkring (2007:7)
I detta avsnitt beskriver vi mer allmänna egenskaper hos de försäkringsfor- mer som förekommer som pensionssparande, medan följande avsnitt grans- kar
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Neat and orderly? A review of 678 insurance intermediaries
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
Publicerad 2007-03-15 - FI has reviewed the basic requirements for the organisation of 678 insurance intermediaries.
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Report in Swedish: Ordning och reda? II - en granskning av 678 försäkringsförmedlare (2007:3)
Av 16 grans- kade förmedlare med tillstånd som fysisk person återfanns även här 19 pro- cent.
