FIN-FSA: Macroprudential Decision on Housing Loan Cap Unchanged
Summary
The Finnish Financial Supervisory Authority (FIN-FSA) has decided to keep the housing loan cap and the countercyclical capital buffer requirement for banks unchanged. This decision reflects the current assessment of the financial sector's resilience and operating environment.
What changed
The Finnish Financial Supervisory Authority (FIN-FSA) announced on December 18, 2025, that its macroprudential decision regarding the housing loan cap and the countercyclical capital buffer requirement for banks will remain unchanged. This decision indicates that the existing regulatory limits on housing loans and the capital buffer requirements for banks are considered appropriate given the current economic conditions and financial sector stability.
For regulated entities, this means no immediate changes are required to comply with new loan cap or capital buffer rules. Compliance officers should note that while no action is mandated by this specific announcement, ongoing monitoring of the financial sector's operating environment and potential future adjustments by the FIN-FSA remains prudent. The decision implies a stable regulatory outlook for housing lending and bank capitalisation in the short term.
Source document (simplified)
Publications and press releases
- Press release
18 December 2025
Macroprudential decision: No change to housing loan cap and countercyclical capital buffer requirement for banks
- Press release
11 December 2025
Capital position of Finnish financial sector is strong – many uncertainties remain in operating environment press release fin-fsa capital position financial sector
- Press release
6 November 2025
FIN-FSA ordered supplementary amounts of conditional fine imposed on Danko Koncar payable
- Press release
9 October 2025
FIN-FSA recommends measures for banks to take to improve online payment security – EU’s Instant Payments Regulation speeds up payments but also increases risks press release financial sector fin-fsa banking sector
- Press release
30 September 2025
Macroprudential decision: Housing loan cap and countercyclical capital buffer requirement for banks to remain unchanged Macroprudential decisions Loan cap
- Press release
15 September 2025
FIN-FSA warns of rising investment scams press release fin-fsa investment scams
- Press release
15 September 2025
Financial sector has withstood well the challenges of a volatile operating environment – special attention must be paid to preventing fraud press release fin-fsa financial sector capital position
- Press release
4 August 2025
European and domestic stress tests completed: banks’ resilience good also against changes in the operating environment resulting from geopolitical tensions fin-fsa press release eba ecb banks stress tests
- Press release
27 June 2025
FIN-FSA thematic review: financial sector organisations use AI in internal processes, utilisation in the customer interface increases press release financial sector fin-fsa
- Press release
27 June 2025
Macroprudential decision: National buffer requirements for banks and the housing loan cap to remain unchanged Loan cap Countercyclical Capital Buffer Requirement O-SII Systemic Risk Buffer Norway
- Press release
11 June 2025
Capital position of Finnish financial sector remained strong – uncertainty casts shadow over economic outlook fin-fsa press release financial sector solvency
- Press release
5 June 2025
Use of basic banking services focused on digital channels – price level remained broadly unchanged fin-fsa press release banking services basic banking services survey
- Press release
3 June 2025
Penalty payment of EUR 500,000 to LocalBitcoins Oy for failures to comply with anti-money laundering regulations press release fin-fsa penalty payment anti-money laundering localbitcoins oy
- Press release
3 June 2025
Combined penalty payment of EUR 1,000,000 for Alexandria Group Plc
- Press release
26 May 2025
A Decision Appendix has been added: Combined penalty payment of EUR 7,670,000 and public warning for S-Bank Plc
- Press release
23 May 2025
Combined penalty payment of EUR 7,670,000 and public warning for S-Bank Plc
- Press release
3 April 2025
Requirements for crypto-asset services have tightened with the MiCA Regulation – consumers still need to be careful fin-fsa press release mica virtual currency providers crypto-asset service provider real estate funds
- Press release
25 March 2025
Macroprudential decision: Housing loan cap and countercyclical capital buffer requirement for banks to remain unchanged
- Press release
19 March 2025
Strong capital position protects the financial sector from risks – increased uncertainty in the economy and financial market Press realease Financial position and risks of supervised entities
- Press release
4 March 2025
Combined penalty payment of EUR 100,000 to Savcor Technologies Oy for omissions to notify managers’ transactions press release penalty payment fin-fsa
- Press release
4 March 2025
Combined penalty payment of EUR 30,000 to BBS-Bioactive Bone Substitutes Plc for omissions concerning listed companies’ notification obligation penalty payment
- Press release
31 January 2025
Combined penalty payments imposed on three natural persons for late notification of managers’ transactions Press release FIN-FSA penalty payment
- Press release
23 January 2025
Application of DORA has started – FIN-FSA to focus on the management of ICT risks and cyber-threats in its supervision Press release FIN-FSA financial sector digital operational resilience dora
- Press release
8 January 2025
Significant real estate risks in the Finnish financial sector – mitigated by strong buffers FIN-FSA Press release
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