Din sökning på "bil" gav 151 träffar
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Consumer Protection Report 2025: Digitalisation and viral trends create risks for consumers on the financial market
- Konsumentskydd
- Publicerat
- Rapporter
- Bedrägerier
- Spara
- Konsument
- Försäkra
- Betala
- Låna
Publicerad 2025-04-30 - Unreliable investment advice from AI or “finfluencers” and the promise of fast gains from crypto trading. These are examples of consumer protection risks that…
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FI Analysis 48: Increasing number of Swedish loans become debt registered with the Swedish Enforcement Authority
- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Konsument
- Låna
Publicerad 2025-02-27 - 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…
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If the borrower does not pay despite receiving the reminders, some lenders will send a bill for the debt collection notice.
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FI Supervision 30: The banks can strengthen their sanction screening
- Bank
- Penningtvätt
- Publicerat
- Rapporter
- Fördjupad analys
- Betalningar
Publicerad 2024-12-09 - FI has tested the effectiveness of 19 banks' automated sanction screening systems. The result shows that the effectiveness of the systems that the banks use…
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In depth analysis on sanction screening
The analysis shows that the average hits for sanctioned BIC codes for all banks in the sample was 72.2 per cent (which corresponds to 5.1 BIC codes);
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FI Analysis No. 47: The 2023 Banking Turmoil – Could What Happened in the US and Switzerland Also Happen in Sweden?
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- Stabilitet
- Publicerat
- Rapporter
Publicerad 2024-12-11 - During the spring of 2023, one Swiss bank and several US banks failed. Multiple actors in both the US and internationally have analysed the underlying causes.…
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/2020/fi-har-beslutat- om-andrad-tillampning-av-bankers-kapitalkrav/. 7 Interest-bearing securities here and throughout the text refer to treasury bills
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Stability in the Financial System (2024:2): Improved outlook, but risk of set-backs
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- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 2024-11-20 - The outlook for financial stability has improved somewhat in the past six months. Sweden continues to experience a mild economic downturn, but interest rate…
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Stability in the Financial System (2024:2)
Note: Bills, coins and deposits are classified as low risk.
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Two expert reports on macroprudential policy measures
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- Konsumentskydd
- Stabilitet
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- Rapporter
- Bolån
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Publicerad 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…
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Firms continue to offer consumers unsuitable products
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- Kryptotillgångar
- Spara
- Konsument
- Försäkra
- Betala
- Låna
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…
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Consumer Protection Report 2024
Without a payment account, it is difficult to be paid a salary, pay bills, and pay with a credit card.
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Interest rate puts pressure on indebted households
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- Konsumentskydd
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Bolån
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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…
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The Swedish Mortgage Market Report
The purpose of these amendments is to strengthen legal protection for people who buy tenant-owned housing: see Government Bill Tryggare Bostadsrätt (Securer
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Stability in the Financial System (2024:1): A slightly better outlook in an uncertain environment
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- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Nyheter
- Rapporter
- Betalningar
Publicerad 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…
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Stability in the Financial System
Note: Bills, coins and deposits are classified as low risk.
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Stability in the Financial System (2023:2): Adjustments to higher interest rates remain to be made
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- Försäkring
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- Stabilitet
- Publicerat
- Rapporter
- Betalningar
Publicerad 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…
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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
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Consumer Protection Report 2023
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- Försäkring
- Marknad
- Konsumentskydd
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- Rapporter
- Betalningar
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.
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Consumer Protection Report 2023
Inflation eroded the purchasing power of consumers, with both food prices and electricity bills rising dramatically.
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Open finance in Sweden
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- Försäkring
- Marknad
- Konsumentskydd
- Publicerat
- Nyheter
- Rapporter
- Fintech
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…
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One big area of use is payment initiations to gambling companies, an industry that poses a high risk of money laundering and terrorist financing.
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FI Analysis 38: Loans and payment problems among women and men
- Publicerat
- Rapporter
- Låna
Publicerad 2023-04-14 - Among borrowers over the age of 45, it is more common for women than men to have a debt registered with the Enforcement Authority. One explanation could be…
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FI Analysis 38: Loans and payment problems among women and men
FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
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Stability in the Financial System (2023:1)
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- Försäkring
- Stabilitet
- Publicerat
- Rapporter
- Betalningar
Publicerad 2023-05-31 - Since the publication of the stability report last autumn, inflation has slowed somewhat in the large economies but is still significantly higher than the…
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Stability in the Financial System 2023:1
See Ett likviditetsverktyg för fonder (Bill 2022/23:65) https://www.regeringen.se/rattsliga-dokument/proposition/2023/02/prop.-20222365.
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Is there a need for supplementary and gadget insurance?
- Försäkring
- Konsumentskydd
- Publicerat
- Rapporter
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…
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Report: Is there a need for add-on cover and gadget insurance?
Bill p.458. FINANSINSPEKTIONEN Is there a need for add-on cover and gadget insurance?
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The Swedish Mortgage Market 2023
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- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
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…
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Swedish Consumer Credit
- Konsumentskydd
- Publicerat
- Rapporter
- Låna
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…
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Lender groups Because there are big differences between the lenders, we have divided them into six groups.
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Finansinspektionen’s strategy to prevent greenwashing
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- Försäkring
- Marknad
- Publicerat
- Om FI
- Rapporter
- Hållbarhet
Publicerad 2022-12-13 - FI’s strategy for preventing greenwashing in the financial sector aims to safeguard the trust in sustainable investments and a sustainable finance market.
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Finansinspektionen’s strategy to prevent greenwashing
the advisor must, among other things, inform the customer about the concept of sustainability preferences and the 6 See Recital 10 of SFDR and Bill
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Roadmap for sustainable finance
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- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Om FI
- Rapporter
- Hållbarhet
Publicerad 2022-12-13 - In 2019, FI’s overarching mandate was expanded to include a responsibility to ensure that the financial system contributes to sustainable development. FI is…
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Roadmap for sustainable finance
major banks will be subject to a requirement to report sustainability information using templates published by the EBA. 17 See Recital 10 of SFDR and Bill
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Borrower-based measures following high inflation and rising interest rates
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- Publicerat
- Rapporter
- Bolån
Publicerad 2022-11-11 - Changing or pausing the amortisation requirements is not an accurate or appropriate measure for helping the households with the greatest need for financial…
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Report: Borrower-based measures following high inflation and rising interest rates
They rarely have large electricity bills and often good margins.
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Consumer Protection Report 2022
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- Försäkring
- Marknad
- Konsumentskydd
- Publicerat
- Rapporter
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…
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Consumer Protection Report 2021
For example, they cannot receive salary payments, pay bills and make transfers.
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Stability in the Financial System (2022:1)
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- Försäkring
- Marknad
- Stabilitet
- Publicerat
- Rapporter
Publicerad 2022-05-31 - Interest rates and interest rate expectations have increased in 2022 due to high and rising inflation. One sector that is vulnerable to rising interest rates…
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Stability in the Financial System
English translation is available at www.fi.se. 14 A market maker is a contracted actor who in exchange for compensation commits to continuously provide bid
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FI Analysis 35: Lender significance for repayment problems and debt at the Swedish Enforcement Authority
- Bank
- Konsumentskydd
- Publicerat
- Rapporter
- Låna
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…
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Proportion of borrowers who pay their loan bills Per cent Source: FI.
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FI Analysis 32: Loans, Repayment Problems and Debts with the Swedish Enforcement Authority
- Konsumentskydd
- Publicerat
- Rapporter
- Låna
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.
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FI Analysis 32: Loans, payment problems and debts at the Swedish Enforcement Authority
Costs incurred for an unpaid loan bill (a calculation example) SEK Source: Own calculations.
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FI Supervision Report 23: Observations from anti-money laundering reporting
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- Försäkring
- Marknad
- Penningtvätt
- Publicerat
- Rapportering
- Rapporter
Publicerad 2021-06-18 - FI has analysed and compared information that firms under FI’s money laundering supervision reported to the authority during the years 2018-2021. The analysis…
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FI Supervision Report 23: Observations from anti-money laundering reporting
and automate assessments that an operator has to carry out in order to meet the requirements set out in the Money Laundering Act, see Government Bill
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FI Analysis 31: Funding structure of the major banks – historical trends
- Bank
- Publicerat
- Rapporter
Publicerad 2021-05-11 - This FI analysis describes the funding structure of the major Swedish banks in the period 2002–2019. Consequently, the period analysed does not cover the…
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FI Analysis 31: Funding structure of the major banks – historical trends
the banks’ operations, even though not all parts can be included. 12 The liquidity reserves comprise cash and balances with central banks, treasury bills
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FI Analysis No. 33: Household debt and resilience
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- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
- Låna
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…
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FI Analysis No. 33: Household debt and resilience
with self-control problems must have a relatively large importance for aggregate household consumption or the housing market – for example, by being a big
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FI Analysis 28: Liquid assets of Swedish households
- Konsumentskydd
- Stabilitet
- Publicerat
- Rapporter
- Bolån
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…
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FI Analysis 28: Liquid assets of Swedish households
We have broken the households into four groups based on how big their interest payments are: 1.
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FI Analysis 30: Internal price on carbon – what and why?
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- Försäkring
- Marknad
- Publicerat
- Rapporter
- Hållbarhet
Publicerad 2021-03-18 - To reach the climate goals in the Paris Agreement, carbon emissions must go down. The most efficient way to achieve this is by raising the cost of emissions…
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FI Analysis 30: Internal price on carbon – what and why?
public pension fund AP7 and the International Chamber of Commerce in Sweden recommend that firms introduce internal pricing on carbon emissions.7 Bill
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FI Analysis 29: Why do some borrowers experience payment problems?
- Konsumentskydd
- Publicerat
- Rapporter
- Låna
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…
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FI Analysis 29: Why do some borrowers experience payment problems?
Regeringen (2010), “Ny konsumentkreditlag”, Government Bill 2009/10:242. Schularick, M. and A.M. Taylor. 2012.
