Government bills9
- HE 136/2022 vpPassed with amendments
Expanding social lending nationwide
Social lending will become a mandatory service in all wellbeing services counties. Low-income and indebted people will be able to apply for social credit regardless of where they live.
17 Nov 2022 · 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 - HE 109/2021 vpPassed with amendments
Shortening retention periods for payment defaults
An entry of a payment default will be removed from credit records within one month of the debt being paid in full. In addition, a new entry will no longer extend the retention period of earlier payment defaults.
27 Apr 2022 · 2 votesClosest vote · Lausumaehdotus, mietintö / Mari Rantanen
93 jaa55 ei - HE 241/2021 vpPassed with amendments
Permanent caps on corporate collection costs
Permanent euro-denominated caps will be set for collection costs on claims collected from businesses and other organisations. At the same time, time limits for collection measures will be extended and electronic service will be made more flexible.
8 Apr 2022 · 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 191/2020 vpPassed
Temporary caps on business debt collection
Temporary price caps will be placed on collection costs for claims collected from businesses and corporations to prevent the payment difficulties of businesses suffering from the Covid crisis from deepening. At the same time, the use of draft collection, which carries the threat of public listing, against small businesses and sole traders will be restricted.
8 Dec 2020 · passed without a vote - HE 33/2020 vpPassed
Lowering late payment interest on taxes
Late payment interest charged on tax payment arrangements and postponements will be temporarily reduced to 4 per cent. The change supports businesses and other taxpayers facing payment difficulties due to the coronavirus epidemic.
23 Apr 2020 · 5 votesClosest vote · 5 e §, Mietintö / Ville Vähämäki
31 jaa22 ei - 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 134/2018 vpPassed
Extending reduced penalty interest for farmers
The penalty interest rate on farmers' pension and accident insurance premiums will be kept reduced at 4 per cent in 2019 and 2020. The change will ease payment difficulties on farms caused by the weak market situation and difficult weather conditions.
29 Nov 2018 · passed without a vote