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4 bills

Topic consumer credits4
  1. HE 120/2025 vpPassed with amendments

    Strengthening consumer protection in credit and e-commerce

    The Consumer Protection Act will be tightened by bringing interest-free and fee-free credit under regulation as well and by making it easier to withdraw from online contracts. If a creditor neglects the obligation to assess an applicant's ability to pay, the consumer will not have to pay interest or fees on the loan.

    10 Dec 2025 · passed without a vote
  2. HE 230/2018 vpPassed with amendments

    Tightening price regulation of consumer credit

    Strict caps will be set on the interest rates and additional costs of consumer credit to curb debt problems. Under the reform, the interest rate on consumer credit may not exceed 30 per cent and other costs may not exceed 150 euros per year.

    11 Apr 2019 · passed without a vote
  3. HE 234/2020 vpPassed

    Extending the temporary interest rate cap

    The interest rate on unsecured credit granted to consumers will continue to be capped at a maximum of 10 per cent, and direct marketing of credit will remain prohibited. The regulation aims to protect consumers who have faced financial difficulties due to the coronavirus pandemic and prevent debt problems.

    17 Dec 2020 · passed without a vote
  4. HE 53/2020 vpPassed

    Temporary reduction of consumer credit interest rates

    The interest rate on unsecured monetary credits granted to consumers will be temporarily capped at a maximum of 10 per cent, and the direct marketing of credits will be prohibited. The changes will protect consumers from financial difficulties and over-indebtedness caused by the coronavirus crisis.

    23 Jun 2020 · 3 votes

    Closest vote · 17 c §, mietintö / Veikko Vallinin ehdotus

    40 jaa
    12 ei