A stable, well-functioning financial market for all
A stable, well-functioning financial market for all
Result
2025
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.
Yanseria
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Yanseria are offering loans and credits to Swedish residents.
Alexia Capital Partners
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Alexia Capital Partners are offering Swedish investors to trade with securities.
AproBit Markets LTD
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent AproBit Markets LTD are offering Swedish investors to trade with securities.
Avast Bank Ltd
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Avast Bank Ltd are offering bank products to Swedish residents.
Broker GMBH
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Broker GMBH are offering Swedish investors to trade with securities.
Fill Assets
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Fill Assets are offering Swedish investors to trade with securities.
Crypto Stance
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Crypto Stance are offering Swedish investors to trade with securities.
Delport Financial Group Ltd (clone)/ Nordnexx.net
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Nordnexx.net/ Delport Financial Group Ltd (clone) are offering Swedish investors to trade with securities.
DMS Band
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent DMS Band are offering loans and credits to Swedish residents.
Elmstone union
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Elmstone Union are offering bank products to Swedish residents.
Eltho Equity
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Eltho Equity are offering Swedish investors to trade with securities.
Finaso
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Finaso are offering loans and credits to Swedish residents.
Vinst Corbit
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Vinst Corbit are offering Swedish investors to trade with securities.
Finaver Direct Finance
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Finaver Direct Finance are offering loans and credits to Swedish residents.
Vialån
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Vialån are offering loans and credits to Swedish residents.
Finoprise Gruppen
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Finoprise Gruppen are offering loans and credits to Swedish residents.
Trojan Western International Bank
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Trojan Western International Bank are offering bank products to Swedish residents.
First Credit Plus
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent First Credit Plus are offering loans and credits to Swedish residents.
Flexi Finans
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Flexi Finans are offering loans and credits to Swedish residents.
Fluixis Finance
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Fluixis Finance are offering loans and credits to Swedish residents.
Fridhem Asset Management AB (clone)
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Fridhem Asset Management AB (clone) are offering Swedish investors to trade with securities.
Himmel Capital
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Himmel Capital are offering loans and credits to Swedish residents.
Industria Försäkringsaktiebolag (clone)
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Industria Försäkringsaktiebolag (clone) are offering insurance products to Swedish residents.
ITCS Trade/ ITCS Capital Ltd
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent ITCS Trade/ ITCS Capital Ltd are offering Swedish investors to trade with securities.
Kurator Lån/ Kurator Kredit
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Kurator Lån/ Kurator Kredit are offering loans and credits to Swedish residents.
Moj Finances
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Moj Finances are offering loans and credits to Swedish residents.
Niovault Asset
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Niovault Asset are offering Swedish investors to trade with securities.
Noelse Loan and Finance
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Noelse Loan and Finance are offering loans and credits to Swedish residents.
Novas Trade
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Novas Trade are offering Swedish investors to trade with securities.
NTICB Financial Inc/ NTICB Bank/ NTICB Wealth & Capital Management
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent NTICB Financial Inc/ NTICB Bank/ NTICB Wealth & Capital Management are offering loans and credits to Swedish residents.
Prev Vault
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Prev Vault are offering loans and credits to Swedish residents.
Private Equity
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Private Equity are offering loans and credits to Swedish residents.
Quantiumax
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Quantiumax are offering Swedish investors to trade with securities.
Revolt 21
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Revolt 21 are offering Swedish investors to trade with securities.
Sentlo Trade
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Sentlo Trade are offering Swedish investors to trade with securities.
Snabb Fluxrad
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Snabb Fluxrad are offering Swedish investors to trade with securities.
Sofinans BA/ Sofinans Sverige AB/ Sicav AB
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Sofinans BA/ Sofinans Sverige AB/ Sicav AB are offering loans and credits to Swedish residents.
Adlan Finance
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Adlan Finance are offering loans and credits to Swedish residents.
Delta Finance (clone)
It has come to the attention of Finansinspektionen (FI), the Swedish Financial Supervisory Authority, that persons claiming to represent Delta Finance (clone) are offering Swedish investors to trade with securities.
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.
Stability in the Financial System (2025:1): Uncertainty could persist for a while
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, Swedish banks have large capital buffers and good profitability, which builds resilience. Financial firms, households and firms all need to be prepared that the uncertainty could persist for a while. These are some of the conclusions from FI's first stability report of the year.
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.
The Swedish Mortgage Market: Households need to have margins for an uncertain future
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 previous years. But the economic development is uncertain. Households need to allow for continued high housing and living costs. These are some of the conclusions from this year’s report on the Swedish mortgage market.
Household savings in Sweden
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, while 5 per cent of the population holds approximately half of all assets. Few have direct savings in shares or funds. Those with large loans can be vulnerable to weakened economic conditions and therefore in general have a greater need for a financial buffer. FI’s data indicates that many mortgagors hold a small amount of assets, at least with the same bank where they have their mortgage.
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
FI proposes enhanced preventive work in efforts to prevent investment fraud
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 prevent investment fraud.
Financial education continues to be important for strengthening consumers
Many people find it difficult to make decisions about their finances. The majority of Swedes understand financial terms but are not knowledgeable about how these concepts impact their own finances. Finansinspektionen (FI) is releasing a report today that evaluates the authority’s work with financial education and identifies a number of areas where deficient financial literacy could impose significant risks on the consumer.
