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• Fraud prevention in payment services

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  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…

• Report: Fraud prevention in payment services (In Swedish)
• Interest rate puts pressure on indebted households

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  Publicerad 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…

• The Swedish Mortgage Market Report
• FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

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  • Kryptotillgångar

  Publicerad 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
• Firms continue to offer consumers unsuitable products

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  Publicerad 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…

• Consumer Protection Report 2024
• FI Supervision 29: Advisors are not taking customers’ sustainability preferences into account

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  • Fördjupad analys

  Publicerad 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
• FI Analysis No. 42: Gender differences in investment behaviour

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  Publicerad 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
• Comprehensive overview is important when changing the conditions on the housing market

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  Publicerad 2024-02-22 - FI has received an assignment from the Government to assess an increase in the loan-to-value (LTV) cap from 85 to 90 percent. At the same time, the Government…

• Report (In Swedish): FI:s syn på en höjning av bolånetaket från 85 till 90 procent
• FI Supervision 27: Non-life insurance undertakings’ product approval processes

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  Publicerad 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
• Consumer Protection Report 2023

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  Publicerad 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.

• Consumer Protection Report 2023
• Open finance in Sweden

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  Publicerad 2023-06-28 - Digitalisation introduces both opportunities and risks to the financial market. After conducting a new survey, FI has noted that broader regulation on how…

• Open finance in Sweden
• Report: Banks’ administration of amortisation requirement exemptions

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  Publicerad 2023-06-16 - Finansinspektionen has conducted a survey into banks' administration of amortisation requirement exemptions, as an assignment from the government. The survey…

• Report: Banks’ administration of amortisation requirement exemptions
• The Swedish Mortgage Market 2023

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  Publicerad 2023-03-28 - Mortgagors are under pressure from rising interest rates. At the same time, the majority of new mortgagors continue to have good margins in their personal…

• The Swedish Mortgage Market

  Mortgagor margins and amortisation exemptions in early 2023

  Data appendix - The Swedish Mortgage Market
• Is there a need for supplementary and gadget insurance?

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  Publicerad 2023-02-20 - Consumers’ need for supplementary insurance differs by age. Younger consumers have a greater need for this type of insurance, while older consumers often have…

• Report: Is there a need for add-on cover and gadget insurance?
• Swedish Consumer Credit

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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…

• Swedish Consumer Credit 2022 (Summary)
• Do loyal policyholders pay more?

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  Publicerad 2022-07-08 - Finansinspektionen has analysed whether loyal policyholders pay higher premiums for the three non-life insurance products that are most important for…

• Report: Do loyal policyholders pay more?
• Consumer Protection Report 2022

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  Publicerad 2022-04-28 - Unsound lending practices and commission from the sale of financial instruments are the highest prioritised risks in Finansinspektionen’s (FI) consumer…

• Consumer Protection Report 2021
• The Swedish Mortgage Market 2022

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  Publicerad 2022-04-20 - Swedish households continue to take increasingly larger loans. More new mortgagors than in previous years had both a high loan-to-income ratio and a high…
• FI Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority

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  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…

• FI Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority
• Swedish Consumer Credit

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  Publicerad 2021-11-17 - One of Finansinspektionen’s (FI) assignments is to promote a high level of protection for consumers on the financial markets. FI does this in part by…
• FI Supervision 24: Complaints handling in insurance firms

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  Publicerad 2021-10-06 - Finansinspektionen (FI) conducted a survey of twenty insurance firms and determined that the firms in general handle complaints in a satisfactory manner, but…

• FI Supervision 24: Complaints handling in insurance firms
• Overall assessment of macroprudential measures

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  • Coronaviruset

  Publicerad 2021-06-30 - Since 2010, FI has implemented a number of macroprudential measures aimed at increasing the resilience in the financial system and subduing the risks…

• Overall assessment of macroprudential measures (Summary and chapter on FI’s overall assessment)
• FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing

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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…

• FI Analys No 34: Temporary amortisation exemption led to new mortgagors borrowing
• FI Analysis No. 33: Household debt and resilience

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  Publicerad 2021-06-10 - The ability to borrow is beneficial to households in many ways. At the same time, debt can make their consumption more sensitive to unexpected changes in…

• FI Analysis No. 33: Household debt and resilience
• FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority

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  Publicerad 2021-05-12 - Loans and other debts are of significance to repayment problems. This analysis focuses on the significance of loans to individual’s repayment problems.

• FI Analysis 32: Loans, payment problems and debts at the Swedish Enforcement Authority
• The Swedish Mortgage Market (2021)

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  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…

• The Swedish Mortgage Market 2021

  Data appendix (In Swedish)
• Sustainability Report 2021 – the climate in focus

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  Publicerad 2021-03-18 - Finansinspektionen has an assignment to promote the financial system’s contribution to sustainable development. The sustainability report outlines the current…

• Sustainability report 2021 – the climate in focus
• FI Analysis 29: Why do some borrowers experience payment problems?

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  Publicerad 2021-02-24 - Young borrowers and borrowers with low income have a higher risk of experiencing payment problems when taking non-mortgage loans. The risk decreases if the…

• FI Analysis 29: Why do some borrowers experience payment problems?
• Consumer Protection Report 2021

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  Publicerad 2021-02-24 - Paying by invoice or with other credit-based offers is becoming an integral part of shopping online. Young adults are unique with their small margins and…

• Film version with audio description:

  Consumer Protection Report 2021
• FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset

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  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…

• FI Supervision Report 21: Financial instruments with crypto-assets as underlying asset
• FI Analysis 28: Liquid assets of Swedish households

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  Publicerad 2021-01-21 - Aggregate statistics indicate that Swedish households are holding significant assets in the form of cash, bank savings, fund shares and securities. The…

• FI Analysis 28: Liquid assets of Swedish households