A stable, well-functioning financial market for all
A stable, well-functioning financial market for all
News
2026
Financial stability and prepardness (2026:1)
The Swedish financial system is stable and the financial sector’s preparedness for crisis and war has been strengthened. The geopolitical situation increases the risk of both financial and operational shocks in the financial system. The rapid technological development, particularly within artificial intelligence, is also enhancing the significance of operational risks and could make the risks in the financial sector more complex and difficult to assess.
Consumer Protection Report 2026
Consumers have four basic needs that the financial system should provide: the ability to pay for goods and services, borrow money, save and insure against various risks. Finansinspektionen (FI) follows the development related to these needs, and we present our view of them in this report. Based on these needs, FI has identified four prioritised risks, which we also highlight in this report.
2025
Garantum Fondkommission receives a remark and administrative fine
Garantum Fondkommission Aktiebolag (Garantum Fondkommission or the company) is a securities company with authorisation to conduct securities business pursuant to the Securities Market Act (2007:528). The company offers, among other services, investment advice relating to financial instruments.
Garantum Wealth Management PB receives a remark and administrative fine
Garantum Wealth Management PB AB (Garantum PB or the company) is an insurance intermediary that has authorisation to conduct insurance distribution pursuant to the Insurance Distribution Act (2018:1219).
FI Analysis 51: A model for households’ housing choices
Households that experience greater buying power tend to choose homes of a higher standard over amortisation payments or savings. This is evident in a new model that Finansinspektionen (FI) has developed.
Stability in the Financial System (2025:2)
The sentiment in the Swedish economy has improved in recent months even if households continue to demonstrate weaker sentiment than normal.
Remuneration and conflicts of interest in Swedish insurance intermediaries
Finansinspektionen (FI) has conducted an in-depth analysis of remuneration and conflicts of interest at insurance intermediaries that distribute life insurance and savings insurance. The objective of the in-depth analysis has been to gain more in-depth knowledge about the insurance intermediary market’s remuneration structure, how commissions and other remuneration are received, and the conflicts of interest that could arise.
Swedish Consumer Credit
One of FI’s assignments is to promote a high level of protection for consumers on the financial markets. As a result, we analyse consumer credit, and this report is part of this analysis.
Avida Finans receives a remark and administrative fine
Finansinspektionen is issuing Avida Finans AB a remark and an administrative fine of SEK 20 million.
FI Analysis 46: Poor profitability for consumers from autocalls
Finansinspektionen has highlighted in multiple reports that many structured products are unsuitable for most consumers. In a new analysis, FI has analysed consumers’ investments in a type of structured product called autocalls. The analysis shows that autocalls are often expensive, associated with high risks, and difficult to understand. In many cases, these products are unprofitable for investors.
