A stable, well-functioning financial market for allA stable, well-functioning financial market for allResult
2025
Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market
Unreliable investment advice from AI or “finfluencers” and the promise of fast gains from crypto trading. These are examples of consumer protection risks that have recently emerged on the financial market. At the same time, risks linked to unsound lending and financial exclusion of consumers are still prevalent. These are some of Finansinspektionen’s (FI) observations in this year’s consumer protection report.
FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority
Between the years 2020 and 2023, the number of borrowers with a new unpaid debt registered with the Swedish Enforcement Authority has increased by 23 per cent. Most of these borrowers have borrowed a large amount of consumer credit from so-called niche banks and then experienced serious payment problems. At the same time, one out of twenty that takes a loan from a so-called instant loan firm is registered with the Swedish Enforcement Authority. These are the conclusions of a new analysis conducted by Finansinspektionen (FI) and the Swedish Enforcement Authority.
2024
Firms continue to offer consumers unsuitable products
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 that FI highlights in this year’s consumer protection report.
