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Published 2023-10-31 - Banks restrict consumers’ access to payment accounts more than is necessary to manage money laundering risks. We want to see stricter requirements on banks to…
FI:s consultation response (In Swedish)
The Payment Investigation (In Swedish) - Staten och betalningarna (SOU 2023:16)
Published 2024-03-11 - Here you will find all legal positions published by FI.
Listing of legal positions
Published 2024-03-11 - In this legal position, Finansinspektionen considers the matter of whether the cover pool for covered bonds issued prior to 8 July 2022 may consist of loans…
Published 2023-06-29 - In this document, FI states its position on whether the provision of insurance against fines and administrative sanction fees is consistent with good…
Published 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…
Published 2023-07-25 - The risks given the highest priority in FI’s consumer protection work for 2023 are unaffordable lending, unsuitable investment products and investment fraud.
Published 2023-11-28 - The higher interest rate means that households and companies need to make adjustments to their finances. Finansinspektionen (FI) is now seeing a decline in…
Stability in the Financial System 2023:2
Stability in the Financial System – Stability Assessment
FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
Published 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…
Published 2024-03-28 - Six out of ten say that sustainability is important when saving money. Advisors at banks, investment firms and insurance intermediaries have an obligation to…
FI Supervision 29: Sustainable advice is a challenge for firms
Published 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…
FI Supervision 27: Non-life insurance undertakings' product approval processes
Published 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new…
Published 2024-06-20 - FI is ordering Handelsbanken, SEB and Swedbank to rectify deficiencies in the payments infrastructure no later than December 2026. FI has also contacted the…
Published 2024-06-19 - Finansinspektionen has decided to issue Nasdaq Stockholm Aktiebolag a remark and an administrative fine of SEK 100 million.
Published 2023-12-13 - Finansinspektionen has decided that Aros Kapital will receive a warning and an administrative fine of SEK 45 million.
Published 2023-12-14 - FI has decided to extend the risk weight floor by two years, from 31 December 2023 to 30 December 2025.
FI’s decision (In Swedish): Beslut om riskviktsgolv för svenska bolåneexponeringar
European Commission approves extension of the risk weight floor for Swedish mortgages (2023-11-09)
Published 2023-09-13 - FI notifies the EU regarding extension of the existing risk weight floor for Swedish mortgages
Published 2024-09-03 - Finansinspektionen (FI) monitors that the market complies with the Market Abuse Regulation (MAR).
Published 2023-11-15 - All adult Swedes save in funds – either through pensions or their own savings. When saving in funds, it is important to be aware of their fees. If a fee is…
Published 2023-09-20 - FI is responsible for the official statistics about the financial markets. Much of the data we gather is published and distributed by Statistics Sweden (SCB).
Published 2024-05-27 - Many smaller, unlisted commercial real estate (CRE) firms have a high loan-to-value (LTV) ratio and a low interest coverage ratio (ICR). This makes them…
FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
Published 2024-05-23 - More than half of Swedes who traded in cryptocertificates over the past six years have lost money on their investments. This is despite the underlying market…
FI Analysis 44: Swedish Retail Trading in Cryptocertificates
Published 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.
FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
Published 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…
FI Analysis No. 42: Gender differences in investment behaviour
Published 2023-11-28 - In this analysis, we estimate how much Swedish listed and larger privately owned commercial real estate firms need to reduce their debt in a climate of rising…
FI Analysis No.41: Commercial real estate firms may need to reduce their debt
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
Published 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…
Published 2024-06-04 - There are climate-related transition risks in Swedish banks’ lending portfolios. This is the conclusion of an analysis Finansinspektionen (FI) conducted by…
Published 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…
Published 2024-04-17 - Money laundering is a global problem that allows criminals to transact large sums of money without revealing their illegal activities. In order to counteract…
Report: Prioritised risks in anti-money laundering and combating the financing of terrorism
Published 2024-05-20 - There is a lot of work left to do before the financial market fully contributes to a sustainable economy. For example, firms need to be better at identifying…
Published 2023-10-31 - Banks restrict consumers’ access to payment accounts more than is necessary to manage money laundering risks. We want to see stricter requirements on banks to…
FI:s consultation response (In Swedish)
The Payment Investigation (In Swedish) - Staten och betalningarna (SOU 2023:16)
Published 2024-03-11 - Here you will find all legal positions published by FI.
Listing of legal positions
Published 2024-03-11 - In this legal position, Finansinspektionen considers the matter of whether the cover pool for covered bonds issued prior to 8 July 2022 may consist of loans…
Published 2023-06-29 - In this document, FI states its position on whether the provision of insurance against fines and administrative sanction fees is consistent with good…
Published 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…
Published 2023-07-25 - The risks given the highest priority in FI’s consumer protection work for 2023 are unaffordable lending, unsuitable investment products and investment fraud.
Published 2023-11-28 - The higher interest rate means that households and companies need to make adjustments to their finances. Finansinspektionen (FI) is now seeing a decline in…
Stability in the Financial System 2023:2
Stability in the Financial System – Stability Assessment
FI Analysis No. 41: Commercial real estate firms may need to reduce their debt
Published 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…
Published 2024-03-28 - Six out of ten say that sustainability is important when saving money. Advisors at banks, investment firms and insurance intermediaries have an obligation to…
FI Supervision 29: Sustainable advice is a challenge for firms
Published 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…
FI Supervision 27: Non-life insurance undertakings' product approval processes
Published 2024-05-29 - Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new…
Published 2024-06-20 - FI is ordering Handelsbanken, SEB and Swedbank to rectify deficiencies in the payments infrastructure no later than December 2026. FI has also contacted the…
Published 2024-06-19 - Finansinspektionen has decided to issue Nasdaq Stockholm Aktiebolag a remark and an administrative fine of SEK 100 million.
Published 2023-12-13 - Finansinspektionen has decided that Aros Kapital will receive a warning and an administrative fine of SEK 45 million.
Published 2023-12-14 - FI has decided to extend the risk weight floor by two years, from 31 December 2023 to 30 December 2025.
FI’s decision (In Swedish): Beslut om riskviktsgolv för svenska bolåneexponeringar
European Commission approves extension of the risk weight floor for Swedish mortgages (2023-11-09)
Published 2023-09-13 - FI notifies the EU regarding extension of the existing risk weight floor for Swedish mortgages
Published 2024-09-03 - Finansinspektionen (FI) monitors that the market complies with the Market Abuse Regulation (MAR).
Published 2023-11-15 - All adult Swedes save in funds – either through pensions or their own savings. When saving in funds, it is important to be aware of their fees. If a fee is…
Published 2023-09-20 - FI is responsible for the official statistics about the financial markets. Much of the data we gather is published and distributed by Statistics Sweden (SCB).
Published 2024-05-27 - Many smaller, unlisted commercial real estate (CRE) firms have a high loan-to-value (LTV) ratio and a low interest coverage ratio (ICR). This makes them…
FI Analysis No. 45: High risks in small and mid-sized commercial real estate firms
Published 2024-05-23 - More than half of Swedes who traded in cryptocertificates over the past six years have lost money on their investments. This is despite the underlying market…
FI Analysis 44: Swedish Retail Trading in Cryptocertificates
Published 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.
FI Analysis No. 43: d-SRI: A systemic risk indicator for Sweden
Published 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…
FI Analysis No. 42: Gender differences in investment behaviour
Published 2023-11-28 - In this analysis, we estimate how much Swedish listed and larger privately owned commercial real estate firms need to reduce their debt in a climate of rising…
FI Analysis No.41: Commercial real estate firms may need to reduce their debt
Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
Published 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…
Published 2024-06-04 - There are climate-related transition risks in Swedish banks’ lending portfolios. This is the conclusion of an analysis Finansinspektionen (FI) conducted by…
Published 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…
Published 2024-04-17 - Money laundering is a global problem that allows criminals to transact large sums of money without revealing their illegal activities. In order to counteract…
Report: Prioritised risks in anti-money laundering and combating the financing of terrorism
Published 2024-05-20 - There is a lot of work left to do before the financial market fully contributes to a sustainable economy. For example, firms need to be better at identifying…