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  • Suomeksi
  • På svenska
  • TO MEDIA
  • Suomeksi
  • På svenska
  • Customer service
  • TO MEDIA
  • Return to frontpage
  • Consumer protection
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    • FinTech – Financial sector innovations
      • Innovation Help Desk advises on licence issues
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    • FinTech – Financial sector innovations
      • Innovation Help Desk advises on licence issues
      • Virtual currency providers
        • Frequently asked questions on virtual currencies and their issuance (Initial Coin Offering)
          • Questions about tokens and ICOs
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      • Stock exchange and other trading venues
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      • Market infrastructures based on distributed ledger technology
    • Owner control
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    • FinTech – Financial sector innovations
      • Innovation Help Desk advises on licence issues
      • Virtual currency providers
        • Frequently asked questions on virtual currencies and their issuance (Initial Coin Offering)
          • Questions about tokens and ICOs
      • Information security
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      • Regulation of listed companies
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  • Financial market stability
    • Macroprudential
      • Macroprudential politics
      • Macroprudential instruments
      • Description of macroprudential instruments
      • Macroprudential decisions and appendices
        • Macroprudential decisions 2023
          • Macroprudential decision 29 March 2023
        • Macroprudential decisions 2022
          • Macroprudential decision 16 December 2022
          • Macroprudential decision 28 September 2022
          • Macroprudential decision 27 June 2022
          • Macroprudential decision 30 March 2022
        • Macroprudential decisions 2021
          • Macroprudential decision 16 December 2021
          • Macroprudential decision 23 September 2021
          • Macroprudential decision 19 August 2021
          • Macroprudential decision 28 June 2021
          • Macroprudential decision 18 March 2021
          • Macroprudential decision 18 February 2021
        • Macroprudential decisions 2020
          • Macroprudential decision 30 September 2020
          • Macroprudential decision 29 June 2020
          • Macroprudential decision 6 April 2020
          • Macroprudential decision 17 March 2020
          • Macroprudential decision 18 December 2020
        • Macroprudential decisions 2019
          • Macroprudential decision 13 December 2019
          • Macroprudential decision 27 September 2019
          • Macroprudential decision 28 June 2019
          • Macroprudential decision 22 March 2019
        • Macroprudential decisions 2018
          • Macroprudential decision (G-SII) 20 December 2018
          • Macroprudential decision 20 December 2018
          • Macroprudential decision 26 September 2018
          • Macroprudential decision 29 June 2018
          • Macroprudential decision (systemic risk buffer) 29 June 2018
          • Macroprudential decision 28 March 2018
          • Macroprudential decision 19 March 2018
        • Macroprudential decisions 2017
          • Macroprudential decision 22 December 2017
          • Macroprudential decision 26 September 2017
          • Macroprudential decision 27 June 2017
          • Macroprudential decision 28 March 2017
        • Macroprudential decisions 2016
          • Macroprudential decision 21 December 2016
          • Macroprudential decision 27 September 2016
          • Macroprudential decision 14 June 2016
          • Macroprudential decision 22 March 2016
        • Macroprudential decisions 2015
          • Macroprudential decision 22 December 2015
          • Macroprudential decision 29 September 2015
          • Macroprudential decision 6 July 2015
          • Macroprudential decision 30 June 2015
          • Macroprudential decision 16 March 2015
      • Summary table of macroprudential decisions
  • FIN-FSA
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    • Market newsletter
      • Market newsletter 1/2022
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    • Blogs
      • 2020
    • Annual reports
      • Annual Report 2022
        • Director General’s review
        • State of financial markets
        • Supervision
        • Themes
          • Geopolitical situation accelerated preparation for cyber-attacks in the financial sector
          • Energy crisis shook the derivatives market
          • Year of uncertainty in the virtual currency markets
          • ECB’s climate stress testing and thematic review: banks must consider the impacts of climate change in their operations and risk management
          • Corporate governance safeguards the supervised entity’s operations, capital adequacy and the security of the client’s money and insured benefits
        • Management and personnel
          • Board
          • Management Group
        • FIN-FSA
          • Financial Supervisory Authority in brief
          • Summary of FIN-FSA’s activities in 2022
          • Strategy
          • Appendices
      • Annual Report 2021
        • Director General’s review
        • State of financial markets
        • Supervision
        • Themes
          • Crypto assets attract investor interests – risks to be reined in through regulation
          • New investors, new sources of information
          • New tools needed to contain household indebtedness
          • Sustainability issues as part of financial market participants’ risk management and disclosure obligations
        • Management and personnel
          • Board
          • Management Group
        • FIN-FSA
          • Financial Supervisory Authority in brief
          • Summary of FIN-FSA’s activities in 2021
          • Strategy
          • Appendices
      • Annual Report 2020
        • DG’s review
        • State of financial markets
        • Supervision
        • Themes
          • Fast decisions supported banks’ resilient operation in exceptional circumstances
          • Unemployment funds coped through coronavirus pandemic despite record growth in number of applications and claims expenses
          • Digital finance gaining ground – European Commission strategy to accelerate development
          • Risk-based approach is a cornerstone of anti-money laundering and countering terrorist financing
          • Suspicions of market manipulation and abuse of inside information are detected and investigated increasingly effectively
        • Management and personnel
          • Board
          • Management Group
        • FIN-FSA
          • Financial Supervisory Authority in brief
          • Summary of FIN-FSA’s activities in 2020
          • Strategy
          • Appendices
      • Annual Report 2019
        • DG’s review
        • State of financial markets
        • Supervision
        • Themes
          • Report on means to prevent excessive household indebtedness
          • Management of disability risk by pension insurance companies
          • Green Deal and the supervisory perspective
          • EU banking legislation to complete the Basel III recommendations in preparation
          • Fund liquidity issues
          • Audit committees' activities were assessed
          • Responsible utilisation of data in the financial sector
        • Management and personnel
          • Board
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        • FIN-FSA
          • Financial Supervisory Authority in brief
          • Strategy
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  • Forms
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  • Statistics
    • Banks
      • Lending and bank guarantees, past due and nonperforming assets
      • Key financial figures
      • Supervisory Disclosure
    • Insurance
      • Investments
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      • Solvency II
    • Capital markets
      • Statistics on capital market actors
      • Key financial figures
    • Sanctions, requests for investigation and cases of securities market inspections
  • Regulation
    • FIN-FSA regulations and guidelines
      • Commencement of activities
        • Toimiluvat, rekisteröinnit ja ilmoitukset
        • Luottolaitostoimiluvat sekä ilmoitukset suomalaisten luottolaitosten toiminnasta ulkomailla ja ulkomaisten luottolaitosten toiminnasta Suomessa
        • Maksulaitokset ja maksupalvelua ilman toimilupaa tarjoavat henkilöt
      • Organisation of supervised entities’ operations
        • Sijoitusrahastotoiminnan järjestäminen ja menettelytavat
        • Outsourcing in supervised entities belonging to the financial sector
        • Mortgage bank authorisation procedure and risk management
        • Reporting of mortgage bank operations
        • Vaihtoehtorahastojen hoitajat
        • Tuotteiden ja palvelujen myyntiin ja tarjontaan liittyvät palkitsemisperiaatteet ja -käytännöt
        • Määräykset ja ohjeet kauppojen hintavaihtelurajojen kalibroinnista ja kaupankäynnin pysäyttävien seikkojen julkistamisesta rahoitusmarkkinadirektiivin II mukaisesti
        • Markkinoiden ylläpitäjien ja raportointipalvelujen tarjoajien hallintoelimet
        • Information on the payer and the payee that has to accompany a transfer of funds
        • Sijoituspalvelujen toiminnan järjestäminen ja menettelytavat
        • Virtual currency providers
        • Customer due diligence; Prevention of money laundering and terrorist financing
        • Hallinto ja ohjaus
        • Ohjeet direktiivin 2013/36/EU mukaisista moitteettomista palkitsemisjärjestelmistä
        • Assessment of the suitability of members of the management body and key function holders
        • Ohjeet direktiivin (EU) 2019/2034 mukaisesta sisäisestä hallinnoinnista ja ohjauksesta
        • Ohjeet direktiivin (EU) 2019/2034 mukaisista moitteettomista palkitse-misjärjestelmistä
        • Ohjeet direktiivin 2013/36/EU ja direktiivin (EU) 2019/2034 mukaisesta suurituloisia koskevasta tietojen keruusta
        • Ohjeet direktiivin 2013/36/EU mukaisesta palkitsemiskäytäntöjen, sukupuolten palkkaerojen ja suhteiden hyväksyttyjen korkeampien tasojen vertailusta
        • Ohjeet direktiivin (EU) 2019/2034 mukaisista palkitsemiskäytäntöjen ja sukupuolten palkkaerojen vertailuista
        • Preventing Money Laundering and Terrorist Financing
      • Risk management
        • Risk reporting by credit institutions
        • Reporting of funding plans
        • Management of operational risk in supervised entities of the financial sector
        • Management of interest rate risk arising from non-trading activities and of credit spread risk
        • Arvopaperikeskuksen osallistujien maksulaiminlyöntejä koskevat säännöt ja menettelyt
        • Keskusvastapuolten ja kauppapaikkojen tapahtumasyötteiden antamisesta arvopaperikeskusten saataville
        • Management of credit risk and assessment of creditworthiness by supervised entities in the financial sector
        • Tärkeimpien valuuttojen määrittämistä ja arvopaperikeskusten merkittävyyttä koskevien indikaattorien laskentaprosessit
        • Guidelines on institutions' stress testing
        • Guidelines on legislative and non-legislative moratoria on loan repayments applied in the light of the COVID-19 crisis
        • Management of market risk
        • Management of liquidity risk
        • Regulations and guidelines 7/2021 Money laundering and terrorist financing risk factors
      • Accounting, financial statements and management report
        • Kirjanpitoa, tilinpäätöstä ja toimintakertomusta koskevat määräykset ja ohjeet: Vakuutusyhtiöt, työeläkevakuutusyhtiöt, vakuutusyhdistykset, vakuutusomistusyhteisöt, kolmannen maan vakuutusyhtiöiden sivuliikkeet ja lailla perustetut eläkelaitokset
        • Kirjanpitoa, tilinpäätöstä ja toimintakertomusta koskevat määräykset ja ohjeet: Eläkekassat ja eläkesäätiöt
        • Kirjanpitoa, tilinpäätöstä ja toimintakertomusta koskevat määräykset: Sairauskassat ja hautaus- ja eroavustuskassat
        • Financial sector regulations and guidelines on reporting of financial information (FINREP)
        • Rahoitussektorin kirjanpito, tilinpäätös ja toimintakertomus
      • Capital adequacy
        • Common European Reporting (COREP)
        • Valvojan arviointimenettelyä varten kerättävät ICAAP- ja ILAAP-tiedot
        • Regulations and Guidelines related to the Capital Requirements Regulation
        • Prudential reporting for investment firms (IF)
        • MOK 6/2022 perusteista, joiden nojalla sijoituspalveluyritykset voidaan vapauttaa maksuvalmius-vaatimuksesta asetuksen (EU) 2019/2033 43 artiklan 4 kohdan mukaisesti
      • Code of conduct
        • Asuntoluoton ennenaikaisesta takaisinmaksusta perittävän enimmäiskorvauksen laskentaan käytettävät menetelmät
        • Disclosure of expenses and returns of long-term savings agreements and insurance policies
        • Asiakasvalitusten käsittely
        • Finanssipalvelujen ja -tuotteiden markkinointi
        • Finanssipalvelujen tarjoamisessa noudatettavat menettelytavat
        • Calculation of maximum loan-to-value ratio
        • Tuotehallintamenettely
        • Maksamattomat lainat ja ulosmittaus
        • Ohjeet asetuksen (EU) N:o 909/2014 6 artiklan 2 kohdan mukaisista standardoiduista menettelyistä ja tietoliikenneprotokollista
      • Operations of securities markets
        • Ohje markkinatakaustoimintaa ja ensimarkkinoilla suoritettavia operaatioita koskevasta poikkeuksesta
        • Securities offerings and listings
        • Takeover bid and the obligation to launch a bid
        • Markkinaosapuolten, työeläkevakuutusyhtiöiden ja rahastoyhtiöiden julkinen sisäpiirirekisteri
        • Kolmansien maiden kaupankäyntiosapuolet
        • Regulations and guidelines on disclosure obligation
        • Markkinoiden tunnustelua vastaanottavat henkilöt
        • Ohjeet hyödykejohdannaisia koskevan sisäpiiritiedon määrittelemiseksi
        • Kaupparaportointi, tarjouskirjanpito ja kellotahdistus MiFID II:n mukaisesti
        • Arvopaperikeskusasetuksen 9 artiklan mukaista sisäistä toimitusta koskevaa raportointia varten
        • Presentation of information in prospectuses coming under the Prospectus Regulation
      • Insurance operations
        • Vakuutusmarkkinoilla toimivan yhteisön konekielisten valvontatietojen toimittaminen Finanssivalvonnalle
        • Työeläkelaitosten vakavaraisuus
        • Vastuuvelan kate: Lisäeläkelaitokset sekä hautaus- ja eroavustuskassat
        • Henki- ja vahinkovakuutusyhtiöt, Solvenssi II -ohjeet I osa
        • Vakuutusmarkkinoilla toimivan yhteisön valvonta-asiakirjojen toimittaminen Finanssivalvonnalle
        • Henki- ja vahinkovakuutusyhtiön toiminnan aloittaminen ja hallintojärjestelmä
        • Henki- ja vahinkovakuutusyhtiöt, Solvenssi II- ohjeet II osa, raportointia koskevat ohjeet
        • Henki- ja vahinkovakuutusyhtiöt, Solvenssi II- ohjeet II osa, muut kuin raportointia koskeva ohjeet
        • Työkyvyttömyysriskin hallinta: Työeläkevakuutusyhtiö
        • Lakisääteistä eläkevakuutusta harjoittavien eläkelaitosten vakavaraisuusrajan laskeminen ja sijoitusten hajauttaminen
        • Työeläkevakuutusyhtiöiden hallinto
        • Merimieseläkekassan hallinto
        • Maatalousyrittäjien eläkelaitoksen hallinto julkaiseminen
        • Lisäeläkelaitosten hallinto
        • sairauskassat ja hautaus- ja eroavustuskassat
        • Hautaus- ja eroavustuskassojen vastuuvelan laskuperusteet
        • Lisäeläkelaitosten vastuuvelan laskuperusteet
        • Työttömyyskassoja koskevat määräykset ja ohjeet 3/2021
        • Lakisääteistä työeläkevakuutustoimintaa harjoittavien eläkesäätiöiden ja eläkekassojen hallinto
      • Miscellaneous regulations and guidelines
        • LEI-tunnuksen käyttöönotto
        • Development of recovery plans and early intervention
        • Rahoitus- ja vakuutusryhmittymien vakavaraisuuden laskenta ja raportointi
        • Määräosuuksien hankinnan ja lisäämisen arviointia koskevat ohjeet
        • Criteria on simplified, transparent and standardised securitisation
        • Määräykset ja ohjeet MiFID II-direktiivin liitteen I kohtien C6 ja C7 soveltamisesta
        • Määräykset ja ohjeet vertailuarvoasetuksen mukaisista muista kuin merkittävistä vertailuarvoista
        • Reporting of intra-group transactions
        • Acquisition of controlling interest in undertakings authorised in non-EEA-states
        • Supervision of financial and insurance conglomerates
        • Guidelines on the specification and disclosure of systemic importance indicators (G-SII)
        • Guidelines on PEPP supervisory reporting
        • Ohjeet rahoitusmarkkinadirektiivin/ rahoitusmarkkina-asetuksen mukaisista markkinatietoja koskevista velvoitteista
        • Väliyhtiönä toimivan EU-emoyrityksen perustamisen kynnysarvo ja menettelyt
        • Ohjeet vertailuarvoasetuksen mukaisista menetelmistä, valvontatoiminnoista ja tietojen säilyttämisestä
        • Ohjeet arvopaperikeskusasetuksen 7 artiklan mukaista toimituspuutteita koskevaa raportointia varten
        • Ohjeet toisen maksupalveludirektiivin mukaisesta rajallisia verk-koja koskevasta soveltamisalan ulkopuolelle jättämisestä
        • Luottolaitoksen ja sen konsolidointiryhmän kiinteistöomistuksen ilmoittaminen
    • Legal framework of FIN-FSA regulations and guidelines
    • Interpretations
    • Regulations by sectors
    • Regulatory framework
      • Securitisation
      • EMIR
      • IDD
      • Sustainable finance
      • LEI code
      • Market Abuse Regulation
        • Inside information
          • Insiders and trading
          • Public disclosure and the delay of disclosure of inside information
        • Managers’ transactions
        • Market soundings
        • Reporting obligation concerning the prevention and detection of market abuse
      • MiFID II and MiFIR
        • Notifications to the FIN-FSA
      • PRIIPS
      • PSD2
      • Solvency II
      • Capital adequacy and liquidity regulation (CRR/CRD)
      • Benchmarks Regulation
      • SFTR
    • Financial market legislation, international recommendations and self regulation
      • International recommendations
      • Self regulation
    • Preparedness
  • Reporting
    • Reporting of financial standing and risks
      • New reporting system
        • Reporting to FIN-FSA
        • Reform of the Reporting System
        • Reporting instructions
        • Credit institutions
        • Payment service providers
        • Insurance
        • Investment service providers, fund management companies, Alternative investment fund managers (AIFMs)
      • Legacy system
        • Reporting obligations
        • Regulatory reporting
          • EBA ITS reporting
          • EIOPA ITS reporting
          • AIFMD reporting
          • National reporting (Virati)
          • STT reporting
        • Reporting instructions
          • Reporting test environment for use by reporters
          • Secure email
          • Jakelu Distribution Service and reporting application
          • Validation feedback messages
          • The acceptable time frame for supervisory reporting
          • Reporting institutions
        • Contact information
      • Reporting releases
      • Accuracy of reported data
    • Notifications
    • Transaction reporting
    • Reporting for capital market participants
  • Registers
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  2. Insurance
  3. Life and non-life insurance
  4. Regulation
  5. Regulatory framework
Insurance
  • Employee pension insurance
    • Regulation
      • FIN-FSA regulations and guidelines for employee pension insurance
      • Legislation for employee pension insurance
    • Reporting
  • Life and non-life insurance
    • Regulation
      • FIN-FSA regulations and guidelines for life and non-life insurance
      • Legislation for life and non-life insurance
      • Regulatory framework
    • Reporting
  • Conduct of insurance business
  • Unemployment funds
    • Regulation
      • FIN-FSA regulations and guidelines for unemployment insurance
      • Legislation for unemployment insurance
    • Reporting
  • Sickness and benefit funds
    • Regulation
      • FIN-FSA regulations and guidelines for sickness and benefit funds
      • Legislation for sickness and benefit funds
    • Reporting
  • Insurance intermediaries
    • Regulation
      • FIN-FSA regulations and guidelines for insurance intermediaries
      • Legislation for insurance intermediaries
    • Reporting
    • Register
  • Supervision and processing fees
  • Authorisations, registrations and notifications
    • Life and non-life insurance
  • Owner control
  • Fit & Proper supervision
  • Prevention of money laundering and terrorist financing
    • Customer due diligence
    • Obligation to obtain information and to report
    • Risk assessment
    • Internal instructions and training of personnel
    • International cooperation
    • International economic sanctions and domestic freezing decisions
    • Current provisions, regulations and guidelines
    • Report suspected infringement
  • FinTech – Financial sector innovations
    • Innovation Help Desk advises on licence issues
    • Virtual currency providers
      • Frequently asked questions on virtual currencies and their issuance (Initial Coin Offering)
        • Questions about tokens and ICOs
    • Information security
  • Sustainable finance
Insurance
  • Employee pension insurance
    • Regulation
      • FIN-FSA regulations and guidelines for employee pension insurance
      • Legislation for employee pension insurance
    • Reporting
  • Life and non-life insurance
    • Regulation
      • FIN-FSA regulations and guidelines for life and non-life insurance
      • Legislation for life and non-life insurance
      • Regulatory framework
    • Reporting
  • Conduct of insurance business
  • Unemployment funds
    • Regulation
      • FIN-FSA regulations and guidelines for unemployment insurance
      • Legislation for unemployment insurance
    • Reporting
  • Sickness and benefit funds
    • Regulation
      • FIN-FSA regulations and guidelines for sickness and benefit funds
      • Legislation for sickness and benefit funds
    • Reporting
  • Insurance intermediaries
    • Regulation
      • FIN-FSA regulations and guidelines for insurance intermediaries
      • Legislation for insurance intermediaries
    • Reporting
    • Register
  • Supervision and processing fees
  • Authorisations, registrations and notifications
    • Life and non-life insurance
  • Owner control
  • Fit & Proper supervision
  • Prevention of money laundering and terrorist financing
    • Customer due diligence
    • Obligation to obtain information and to report
    • Risk assessment
    • Internal instructions and training of personnel
    • International cooperation
    • International economic sanctions and domestic freezing decisions
    • Current provisions, regulations and guidelines
    • Report suspected infringement
  • FinTech – Financial sector innovations
    • Innovation Help Desk advises on licence issues
    • Virtual currency providers
      • Frequently asked questions on virtual currencies and their issuance (Initial Coin Offering)
        • Questions about tokens and ICOs
    • Information security
  • Sustainable finance

Regulatory framework

Solvency II -regulatory framework

Updated

30 November 2018

Keywords

Insurance Non-life insurance Life insurance Regulation Regulatory framework Solvency II

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