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27 bills
- HE 201/2025 vpPassed
Pledging fishing quotas as loan collateral
Commercial fishers will be able to pledge the rights of use to their fishing quotas as collateral for bank loans for investments. At the same time, the conditions for trap net fishing of Baltic herring will be eased and the forfeiture of fishing rights to the state will be prevented where fishing has been hindered by fishing bans or poor catches.
30 Apr 2026 · 1 vote158 jaa20 ei - HE 190/2025 vpPassed with amendments
More flexible terms for mortgages
The maximum repayment period for home loans will be extended from 30 to 35 years, and the loan cap on home loans can be raised more flexibly during economic downturns. At the same time, more flexible terms depending on the economic cycle will be enabled for housing company loans on new residential developments.
22 Apr 2026 · 1 voteOnly vote · Dissenting opinion
156 jaa20 ei - HE 22/2026 vpPassed with amendments
Reforming banking regulation and supervision
Finnish legislation on credit institutions will be brought into line with the EU's latest banking package to improve the stability of the financial system. Banks will face new risk management obligations and supervisory authorities will be granted broader powers.
23 Jun 2026 · passed without a vote - HE 208/2026 vpIn progress
Basic banking for businesses and associations
Small businesses and associations will be granted a statutory right to basic banking services, such as a payment account and a payment card. At the same time, banks will be set a deadline to respond to customer enquiries concerning basic banking services.
7 Oct 2026 · no votes yet - HE 131/2026 vpIn progress
Speeding up share certificate digitalisation
Paper housing company share certificates held by banks as collateral can be converted into electronic form on a large scale without sending paper documents to the authorities. The procedure will speed up the transition to the residential and commercial property information system and make registering ownership cheaper for homeowners.
16 Sep 2026 · no votes yet - HE 208/2024 vpPassed with amendments
Regulating non-performing loan purchasers and servicers
New operating rules and supervision by the Financial Supervisory Authority will be introduced for purchasers and servicers of banks' non-performing loans. At the same time, consumer protection will be strengthened by requiring creditors to offer reasonable payment arrangements before enforcement action.
10 Apr 2025 · passed without a vote - HE 92/2024 vpPassed with amendments
Streamlining bank resolution and deposit protection
Bank resolution obligations will be eased in situations where a failing institution would be wound up in ordinary bankruptcy or liquidation proceedings. In addition, the authority will be able to transfer customer advisory and support tasks to an external service provider in congested crisis situations.
6 Nov 2024 · passed without a vote - HE 45/2023 vpPassed
Funding the Financial Stability Authority
The maximum amount of administrative fees collected from banks and investment firms to fund the operations of the Financial Stability Authority would be increased to cover the authority's new security of supply duties. At the same time, depositors would be guaranteed the right to request a free administrative review of automated deposit guarantee compensation decisions.
11 Dec 2023 · passed without a vote - HE 279/2018 vpPassed with amendments
Equity savings accounts for retail investors
A new equity savings account will be created in Finland for private individuals. Within the account, listed shares can be traded and dividends accrued without immediate tax consequences.
7 Mar 2019 · 1 vote126 jaa57 ei - HE 316/2018 vpPassed
State guarantees for farm liquidity loans
The state will begin guaranteeing bank loans to agricultural entrepreneurs to ease temporary liquidity problems. The aim is to help viable farms that have suffered from difficult weather conditions and market disruptions manage their running costs and debts.
14 Feb 2019 · passed without a vote - HE 87/2019 vpPassed with amendments
Reforming benefit and insurance data protection
Legislation concerning social security and the insurance sector will be aligned with the EU General Data Protection Regulation. The amendments will ensure the smooth processing of benefits and the prevention of fraud in the insurance sector.
30 Mar 2020 · passed without a vote - HE 101/2022 vpPassed with amendments
Tightening terms for housing loans
The maturity of new housing loans and housing company loans will as a rule be limited to a maximum of 30 years, and the share of housing company loans in new-build properties will be reduced. In addition, supervision of all consumer credit will be transferred to the Financial Supervisory Authority.
2 Feb 2023 · passed without a vote - HE 104/2022 vpPassed with amendments
Establishing national backup payment systems
National backup systems will be established in Finland to secure credit transfers, card payments and cash withdrawals during serious disruptions and states of emergency. The systems will ensure daily payments for citizens and businesses in situations where banks' normal systems are not functioning.
7 Jul 2022 · passed without a vote - HE 203/2021 vpPassed with amendments
Reforming covered bond regulation
Legislation governing covered bonds issued by banks and mortgage bank operations will be reformed to comply with EU regulations. The reform introduces new liquidity and authorisation procedures and raises the collateral value of housing loans.
22 Feb 2022 · passed without a vote - HE 137/2017 vpPassed with amendments
Introducing additional capital requirements for banks
The Financial Supervisory Authority will be given the power to require banks and investment firms to hold an additional capital buffer against structural risks in the economy. The reform will improve the stability of the financial system and reduce the likelihood of banking crises.
24 Nov 2017 · passed without a vote - HE 16/2021 vpPassed with amendments
Reforming prudential regulation for investment firms
Dedicated prudential and supervisory rules separate from banking regulation will be created for investment firms. The reform tailors capital requirements and risk management obligations better to the size of firms and the actual risks of investment activities.
12 May 2021 · passed without a vote - HE 171/2020 vpPassed with amendments
Strengthening banks' resilience and supervision
Capital requirements, resolution rules and supervisory powers for banks and other credit institutions will be reformed in line with EU regulation. The reforms strengthen the resilience of the financial sector and reduce the need for public funds in potential banking crises.
11 Mar 2021 · passed without a vote - HE 27/2015 vpPassed
Disclosing forest data to banks
Banks will receive information from the forest information system for granting and monitoring credit without the separate consent of the forest owner. The amendment will make it easier to use forest properties as loan collateral and streamline the monitoring of collateral values by banks.
18 Dec 2015 · passed without a vote - HE 52/2018 vpLapsed
Updating social security data protection rules
Social security and insurance legislation will be aligned with the EU General Data Protection Regulation. The amendments will enable automated decision-making in straightforward cases and ensure that data processing functions effectively in statutory duties.
18 Apr 2019 · no votes - HE 5/2018 vpLapsed
Securing guarantees for transferred debts
The Municipal Guarantee Board will be able to guarantee funding related to debts transferred to regions in the health and social services and regional reform. As a result, existing loans of municipalities and joint municipal authorities will not need to be terminated before maturity.
18 Apr 2019 · no votes