Government bills9
- 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 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 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 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 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 261/2018 vpPassed
State compensation for forest damage control
Landowners can be compensated from state funds for costs arising from measures to control extensive forest damage and for tree growth losses. The compensation scheme will be aligned with European Union state aid rules for a fixed period.
21 Feb 2019 · passed without a vote - HE 280/2018 vpPassed
Reforming municipal crisis criteria and participation
The criteria in the Local Government Act for identifying municipalities in crisis are reformed to measure more accurately municipalities' actual debt-servicing capacity and the adequacy of internal financing. In addition, better opportunities to participate and exert influence in municipal affairs are introduced for multi-local residents who stay in a municipality regularly.
1 Feb 2019 · passed without a vote