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Authorisation and registration

Service providers operating in the financial markets require authorisation for the pursuance of their activities. The European Central Bank (ECB), The Financial Supervisory Authority (FIN-FSA), Ministries of Finance and of Social Affairs and Health and the Council of State have been empowered to grant authorisations in Finland. An authorisation can only be granted to an entity, not to a natural person.

The FIN-FSA grants authorisations for credit institutions, Finnish life, non-life and reinsurance companies, investment firms, fund management companies and custodians. Authorisations for securities and derivatives exchanges as well as central securities depositories are granted by the Ministry of Finance. The Council of State grants authorisations for employment pension insurance companies and the Ministry of Social Affairs and Health for unemployment funds.

This directory provides details regarding the application for such authorisation as are granted by the FIN-FSA. We also provide information on conditions for authorisation and on conditions on which a foreign service provider can establish a branch in Finland or provide services on a remote basis. Information is also given on registration as an insurance intermediary.

The Financial Supervisory Authority grants authorisations to the following:

  • domestic life, non-life and reinsurance companies
  • central bodies of deposit banks
  • deposit banks and credit firms conducting mortgage bank operations
  • payment institutions
  • non-EEA branches of payment institutions
  • investment firms
  • non-EEA branches of investment firms
  • fund management companies and custodians
  • managers of alternative investment funds (AIF managers)
  • Finnish branches of non-EEA credit institutions
  • non-EEA insurance companies
  • Finnish branches of non-EEA investment firms and fund management companies
  • non-EEA investment firms and fund management companies providing cross-border services in Finland

See also

Payment service providers


11 March 2015

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