Government bills12
- HE 43/2026 vpPassed with amendments
Reforming insurance company solvency and supervision
Solvency, supervision and risk management regulation for insurance companies will be reformed in line with the EU Solvency II Directive. Simplified procedures will be introduced for small operators and the supervisory authority will be given new tools to intervene in market disruptions.
23 Jun 2026 · passed without a vote - HE 40/2026 vpPassed with amendments
Increasing pension investment returns and funding
Earnings-related pension institutions will be allowed to take more risk in their investment activities to pursue higher returns, and more funds will be pre-funded for future pensions. In addition, index increases to earnings-related pensions may be restricted from 2030 onwards if prices rise faster than wages.
3 Jun 2026 · passed without a vote - HE 184/2025 vpPassed with amendments
Making stock market listings easier
Companies' access to the stock exchange and capital markets will be made easier by easing prospectus requirements and lowering the threshold for listing. Regulation will be made more flexible, particularly to promote access to financing for small and medium-sized enterprises.
25 Mar 2026 · passed without a vote - HE 30/2022 vpPassed
More flexible pension funding and competition
Earnings-related pension companies will be able to price the administrative cost component of insurance contributions individually according to their own actual costs. In addition, the rules on accumulating pension funds will be made more flexible in exceptionally weak investment market situations.
17 May 2022 · 1 vote116 jaa34 ei - 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 126/2021 vpPassed
Easing financial market regulation for recovery
Financial market legislation will be eased in line with EU regulation to facilitate access to financing for companies. Client reporting for investment services will be streamlined, and the exchange of information will shift primarily to electronic format.
12 Nov 2021 · 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 92/2017 vpPassed
Clarifying Municipal Guarantee Board rules
The term of office of the delegation of the Municipal Guarantee Board will begin earlier, right at the start of the year following municipal elections. In addition, the option to use contractual covenants as collateral for guarantees will be incorporated into the act.
20 Oct 2017 · passed without a vote - HE 201/2016 vpPassed with amendments
Reforming the Financial Supervisory Authority
Supervision fees and administration of the Financial Supervisory Authority will be reformed to better correspond to European banking supervision and structural changes in the financial sector. In addition, protection for persons reporting suspected infringements will be improved.
20 Dec 2016 · passed without a vote - HE 31/2016 vpPassed with amendments
Strengthening risk management in pension institutions
Private-sector pension institutions will be required to regularly draw up a risk and solvency assessment to support their operations. In addition, the option for housing company subsidiaries of earnings-related pension companies to use debt financing will be extended.
17 May 2016 · passed without a vote - HE 97/2015 vpPassed
Specifying solvency rules for insurance companies
The calculation of capital requirements and transitional periods for insurance companies will be specified to conform to an EU directive. At the same time, specific rules on EU-wide co-insurance will be added to the act.
3 Dec 2015 · passed without a vote