Government bills3
- 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 43/2025 vpPassed with amendments
Adding housing company loans to credit register
Shareholders' shares of housing company loans will be transferred to the positive credit register to assess credit applicants' ability to pay. At the same time, banks and other lenders will be required to identify an individual before retrieving their data from the register.
9 Oct 2025 · passed without a vote - HE 22/2022 vpPassed with amendments
Establishing a positive credit register
A centralised positive credit register will be established in Finland, compiling information on private individuals' loans and income. The register will enable lenders to check a loan applicant's actual debt situation and prevent over-indebtedness.
1 Jul 2022 · passed without a vote