Finland

Macroprudential Decision: Housing Loan Cap and CCyB Unchanged

The FIN-FSA Board decided to keep the housing loan cap at 90% and the first-home loan cap at 95%. The countercyclical capital buffer (CCyB) requirement for banks remains at 0.0%. The Board is monitoring geopolitical risks and their impact on financial stability.

Familiam Asset Management Fined EUR 70,000 for Reporting Omissions

The Finnish Financial Supervisory Authority (FIN-FSA) has imposed a combined penalty of EUR 70,000 on Familiam Asset Management Oy for significant omissions in transaction and regular reporting. The company failed to report 2,867 transactions and missed quarterly supervisory reporting deadlines.

Finnish Financial Sector Capital Strong; Cautious Regulatory Simplification Urged

The Finnish Financial Supervisory Authority (FIN-FSA) reported that the Finnish financial sector's capital position remained strong in 2025, with improved solvency ratios in the banking and employee pension sectors. The FIN-FSA supports cautious regulatory simplification proposed by EU authorities, emphasizing that it must not compromise the sector's resilience or stability.

FIN-FSA Restores Housing Loan Cap to 90%, Keeps Buffer Unchanged

The Financial Supervisory Authority of Finland (FIN-FSA) has restored the housing loan cap to a baseline level of 90%. The countercyclical capital buffer requirement for banks remains unchanged. This decision impacts lending practices for housing loans.

FIN-FSA Press Releases 2024

The Finnish Financial Supervisory Authority (FIN-FSA) has published a series of press releases throughout 2024 detailing its activities. These include macroprudential decisions, penalty payments for late notifications, and analyses of the financial sector's capital position and solvency.

FIN-FSA Press Releases on Macroprudential Decisions, AML, and Capital Position

The Finnish Financial Supervisory Authority (FIN-FSA) has issued several press releases detailing macroprudential decisions, updates on anti-money laundering (AML) practices, and the financial sector's capital position. Notably, an administrative fine was imposed on Eisler Capital (UK) Ltd for reporting delays.

New Consumer Credit Providers to be Supervised by FIN-FSA

The Finnish Financial Supervisory Authority (FIN-FSA) announced that new consumer credit providers and intermediaries will be brought under its supervision starting January 23, 2026. This expansion of oversight aims to enhance consumer protection in the credit market.

FIN-FSA: Macroprudential Decision on Housing Loan Cap Unchanged

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.