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22 bills
- HE 191/2026 vpIn progress
Strengthening home buyer protection
In the sale of new homes, using a construction work observer will become mandatory and a new post-inspection procedure will be laid down for remedying construction defects. In addition, the financial security of home buyers will be improved by amending the security deposit system and regulating intermediate housing agreements between rental and owner-occupied housing.
30 Sep 2026 · no votes yet - 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 212/2022 vpPassed with amendments
Introducing central counterparty resolution rules
EU regulation on the recovery and resolution of central counterparties clearing financial market transactions would be incorporated into Finnish law. The reform would ensure financial market stability during disruptions and prevent the need to bail out operators using taxpayers' money.
8 Feb 2023 · passed without a vote - HE 129/2022 vpPassed
State support for expanding municipal housing advice
Municipalities will be able to receive state grants to organise and develop free housing advice services in 2023–2027. The advice will be offered to all residents regardless of whether they rent or own their home.
24 Nov 2022 · passed without a vote - HE 218/2022 vpPassed
Lowering consumer credit interest caps
The interest rate cap on consumer credit will be lowered and new restrictions will be placed on credit marketing to curb over-indebtedness. In online shops, paying by invoice will require strong customer authentication, and payment methods involving credit may no longer be offered as the default option.
23 Feb 2023 · 1 voteOnly vote · 1. lakiehdotus, 7 luvun 17 a § , mietintö / Veikko Vallin
106 jaa42 ei - HE 142/2022 vpPassed with amendments
Increasing payment-free months in distraint
The number of payment-free months for low-income debtors under enforcement will be increased, leaving them with more money for their own use. In addition, exceptionally high expenses incurred in acquiring income, such as commuting costs, may reduce monthly distraint.
18 Nov 2022 · passed without a vote - HE 173/2022 vpPassed with amendments
Improving access to pay security
Victims of severe work-related exploitation will be granted more time to apply for unpaid wages through the state pay security scheme. At the same time, the processing of pay claims based on court decisions and settlements will be clarified, and the pay security authority's access to information will be expanded.
9 Nov 2022 · passed without a vote - HE 86/2022 vpPassed
Raising the road safety charge
The road safety charge paid by insurance companies will be increased to secure funding for road safety work. At the same time, the Finnish Motor Insurers' Centre will be designated as the body handling insolvency situations involving insurance companies.
1 Jul 2022 · passed without a vote - HE 45/2022 vpPassed with amendments
Raising ASP loans and age limits
The upper age limit for starting ASP saving will rise to 44 years, and people buying a home together can receive an ASP interest-subsidy loan that is 50 per cent larger than for a single buyer. At the same time, the maximum state guarantee for owner-occupied housing loans will be raised to 60,000 euros.
28 Jun 2022 · passed without a vote - HE 238/2021 vpPassed with amendments
Easing corporate restructuring and debt adjustment
A new early restructuring procedure will be established for businesses, and access to debt adjustment will be facilitated for indebted individuals and entrepreneurs. The reform will speed up debt relief and a fresh start for operators facing financial difficulties.
13 May 2022 · 1 voteOnly vote · Lausumaehdotus , mietintö / Peter Östman
88 jaa66 ei - HE 234/2021 vpPassed
Waiving supervisory fees for tour operators
Travel agencies and other travel organisers will not be charged supervisory and insolvency protection fees for 2021. The change will support the financial situation of businesses in the sector that have suffered from coronavirus restrictions.
4 Mar 2022 · passed without a vote - HE 102/2021 vpPassed
Waiving supervision fees for tour operators
Tour operators will not be charged the statutory supervision and insolvency protection fee for 2020. The amendment will ease the financial situation of travel agencies facing difficulties due to the coronavirus pandemic and travel restrictions.
23 Sep 2021 · passed without a vote - HE 88/2021 vpPassed
Raising the maximum pay security amount
The maximum amount of compensation paid under pay security will rise from 15,200 euros to 19,000 euros per employee. The increase will improve employee protection in situations where an employer faces bankruptcy or other insolvency.
24 Jun 2021 · passed without a vote - HE 233/2020 vpPassed
Extra time to pay debts
Companies will temporarily receive additional time to pay their debts before a creditor can petition for their bankruptcy based on failure to comply with a demand for payment. The payment period will be extended from the usual one week to 30 days.
17 Dec 2020 · passed without a vote - HE 164/2020 vpPassed
Extending bankruptcy protection for companies
Creditors will still not be able to petition for a company's bankruptcy solely on the basis of failure to pay a payment demand. The temporary protection introduced due to the coronavirus crisis will be extended until the end of January 2021.
26 Oct 2020 · passed without a vote - HE 46/2020 vpPassed with amendments
Protecting businesses from coronavirus bankruptcies
Businesses will be temporarily protected from bankruptcy due to sudden payment difficulties caused by the coronavirus pandemic. A creditor will not be able to petition for a company's bankruptcy solely on the basis of an unpaid demand for payment made under threat of bankruptcy.
29 Apr 2020 · passed without a vote - HE 112/2018 vpPassed with amendments
Reforming the ranking of bank creditors
A new lower-ranking debt class will be created for the liabilities of banks and investment firms for potential crisis situations. The reform clarifies investor responsibility and helps cover bank losses without taxpayer support.
24 Oct 2018 · passed without a vote - HE 120/2017 vpPassed with amendments
Reforming traveller insolvency protection
The security system for travel service providers will be reformed to ensure that travellers are more reliably refunded their advance payments and brought home if a travel organiser becomes insolvent. A new insolvency protection fee and increased supervisory fees will be introduced for businesses in the sector.
23 Nov 2017 · passed without a vote - HE 102/2017 vpPassed
Transfer of financial and debt counselling
Responsibility for organising financial and debt counselling will be transferred from municipalities and the Regional State Administrative Agencies to state legal aid offices. The content of the advice provided to citizens will remain unchanged, but the availability of services and online transactions will be harmonised across the country.
17 Nov 2017 · passed without a vote - HE 269/2016 vpPassed
Extending business prohibitions to self-employed professionals
A business prohibition could also be imposed on private self-employed professionals, and authorities could more readily ask the police or Finnish Customs to investigate the prerequisites for a prohibition. At the same time, it would ensure that the mere materialisation of business risk and insolvency does not lead to a business prohibition.
29 Sep 2017 · passed without a vote