Government bills25
- HE 47/2026 vpPassed with amendments
Banning greenwashing and right to repair
Misleading environmental marketing by companies will face stricter intervention, and consumers must be provided with clearer information than before on product durability and repairability. In addition, manufacturers of certain devices, such as household appliances and smartphones, will be obligated to offer repair services and spare parts at a reasonable price.
16 Jun 2026 · passed without a vote - 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 - HE 213/2024 vpPassed with amendments
Reforming consumer product and service safety
Regulation on the safety of consumer products and consumer services will be reformed and separated into distinct acts. The reform will implement the EU General Product Safety Regulation and update the safety requirements for consumer services.
3 Apr 2025 · passed without a vote - HE 11/2024 vpPassed
KKV's role in supervising tech giants
The Finnish Competition and Consumer Authority (KKV) will become the national contact authority in Finland for the EU's Digital Markets Act. The authority will assist the European Commission in supervising major digital platform companies, exchanging information, and conducting inspections.
19 Apr 2024 · passed without a vote - HE 48/2022 vpLapsed
Consumer protection for personal services
Clear rules will be added to the Consumer Protection Act for situations where a service provided to a person is delayed or defective. Consumers will receive stronger rights to price reductions, damages and free cancellation of services, for instance in the event of illness.
5 Apr 2023 · no votes - 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 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 111/2022 vpPassed
Class actions by consumer organisations
Organisations promoting consumer interests will be granted the right to bring class actions and claim compensation from businesses on behalf of a group of consumers. In addition, a procedure will be established enabling authorities and organisations to prohibit conduct contrary to consumer protection legislation both domestically and cross-border.
13 Dec 2022 · passed without a vote - HE 147/2022 vpPassed with amendments
Legal protection for whistleblowers
Persons who detect misconduct in their work will be provided with statutory protection against employer retaliation, such as dismissal or discrimination. Large organisations and public authorities will be required to establish secure reporting channels for reporting suspected breaches.
9 Dec 2022 · passed without a vote - HE 14/2022 vpPassed with amendments
Tightening consumer protection and telemarketing rules
A mandatory written confirmation will be introduced in telemarketing for a contract to be binding on the consumer. At the same time, consumer rights will be improved in sales discounts, online shopping and doorstep selling.
1 Jul 2022 · passed without a vote - 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 180/2021 vpPassed with amendments
Strengthening consumer protection in trade
Consumers' rights will be strengthened in cases of defects in both traditional sales of goods and digital services. The reform will extend the presumption period for the seller's liability for defects and introduce dedicated consumer protection rules for digital content.
15 Dec 2021 · passed without a vote - 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 - HE 120/2020 vpPassed
Travel bankruptcy compensation for cancelled trips
The state can compensate passengers for payments for trips cancelled due to the coronavirus epidemic and received travel vouchers if a tour operator goes bankrupt. Compensation will be paid when claims cannot be covered by the tour operator's securities.
2 Oct 2020 · 1 voteOnly vote · Lausumaehdotus, mietintö / Juhana Vartiainen
32 jaa24 ei - HE 54/2019 vpPassed with amendments
Strengthening consumer protection powers and sanctions
Consumer protection authorities will be given new enforcement powers, such as the ability to carry out test purchases and order websites to be closed down. In addition, businesses that break the rules can be ordered to pay substantial administrative penalties.
26 Jun 2020 · passed without a vote - 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 votesClosest vote · 17 c §, mietintö / Veikko Vallinin ehdotus
40 jaa12 ei - HE 10/2020 vpPassed with amendments
Procedure for consumer protection penalties
Penalty payments imposed for consumer protection infringements will be transferred to administrative judicial procedure instead of civil procedure. Market Court decisions will be appealed directly to the Supreme Administrative Court without leave to appeal.
22 Jun 2020 · passed without a vote - 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 - HE 172/2017 vpPassed with amendments
Reforming insurance sales and customer protection
Rules on insurance sales will be reformed and customer protection strengthened, particularly regarding insurance-based investment products. Insurance distributors will face stricter requirements on information provided to customers, staff professional competence, and the management of conflicts of interest.
11 Apr 2018 · passed without a vote - HE 194/2017 vpPassed
Reforming protective equipment and cableway safety
Amendments required by EU regulations on safety requirements for personal protective equipment and cableways will be made to Finnish legislation. At the same time, product labelling, supervision and penal provisions will be clarified.
14 Mar 2018 · passed without a vote