2023
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Supervision releaseRegulations and guidelines 4/2023 on customer due diligence related to compliance with sanctions regulation and national freezing orders enter into force on 1 March 2024sanctions customer due diligence regulations and guidelines
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Supervision releaseNew schedule of processing fees and amendments to Supervision Fees Act to take effect on 1 January 2024Processing fee Supervision fee
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Supervision releaseFinancial Supervisory Authority’s supervision fees for 2023 and changes to supervision feesSupervision fee consumer credit providers
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Supervision releaseFinancial Supervisory Authority calls for enhanced monitoring of disruptions and abnormal observationscyber attacks disruptions and abnormal observations
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Supervision releaseEBA Guidelines on effective management of ML/TF risks when providing access to financial services – applicable as of 3 November 2023EBA money laundering and terrorist financing financial services guidelines
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Supervision releaseRevision of EBA ML/TF Risk Factors Guidelines into force on 3 November 2023EBA guidelines money laundering and terrorist financing
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Supervision releaseConsumer credit providers required to sign up for Positive credit register by 30 November 2023consumer credits positive credit register Reporting obligation
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Supervision releaseThematic review: Need for development in risk reporting to the boards of directors of credit institutions under direct FIN-FSA Supervisioncredit institutions risk reporting credit risker
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Supervision releaseRevision to FIN-FSA regulations and guidelines 7/2018 concerning MiFID II product governance requirementsregulations and guidelines ESMA
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Supervision releaseThematic review: Plenty of room for development in climate and environmental risk management by credit institutions under direct FIN-FSA supervisioncredit institutions Thematic review climate risks environmental risks
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Supervision releaseThematic review of availability of banking services to foreigners moving to FinlandThematic review availability of banking services foreigners
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Supervision releaseFIN-FSA invites comments on regulations and guidelines on customer due diligence related to compliance with sanctions regulation and freezing orders – consultation closes on 22 September 2023comments Regulations and Guidelines sanctions
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Supervision releaseFIN-FSA regulations and guidelines 1/2012: Outsourcing in supervised entities belonging to the financial sector have been updated, and the amendments will enter into force on 1st September 2023Regulations and guidelines Finance sector
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Supervision releaseThematic review of reports by life insurance undertakings’ actuarial functions in 2021 – better reports to support the board of directors’ workLife insurance company Thematic review
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Supervision releaseEuropean Banking Authority (EBA) Guidelines on the Use of Remote Customer Onboarding Solutions – application begins on 2 October 2023EBA Preventing money laundering and terrorist financing
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Supervision releaseAmendments to FIN-FSA regulations and guidelines 2/2023: Preventing Money Laundering and Terrorist Financing – as of 1 September 2023, the scope of application also covers certain credit providers and credit intermediariesRegulations and Guidelines Prevention of money laundering and terrorist financing AML/CFT consumer credits peer-to-peer loans
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Supervision releaseAmendments to Regulations and guidelines 3/2015 Calculation of maximum loan-to-value ratio – scope of application to also include certain credit providers and credit intermediaries from 1 July 2023Regulations and Guidelines loan-to-value ratio
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Supervision releaseRegulations and guidelines 2/2023 on prevention of money laundering and terrorist financing enter into force on 26 June 2023Regulations and Guidelines prevention of money laundering and terrorist financing
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Supervision releaseRevision to FIN-FSA regulations and guidelines 7/2018 concerning certain aspects of the MiFID II suitability and remuneration requirementsRegulations and Guidelines ESMA MiFid II investment services
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Supervision releaseThematic assessment on abuses of payment services and the compensation processBank sector Thematic review
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Supervision releaseEBA publishes Opinion on RTS concerning SOTs for IRRBB supervisionEBA opinion rate risk technical standard supervisory outlier test
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Supervision releaseThematic assessment: state of ICT outsourcing among supervised entitiesICT outsourcing Thematic assessment outsourcing
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Supervision releaseAmendments to regulations and guidelines 5/2015 on the management of interest rate risk arising from non-trading activities and of credit spread risk enter into force on 30 June 2023Regulations and Guidelines raterisk credit spread risk EBA
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Supervision releaseSignificant shortcomings in the organisation and quality of the outsourced compliance function of investment firms, fund management companies and alternative investment fund managersinvestment firm fund management company alternative investment fund manager compliance function
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Supervision releaseFIN-FSA’s AML supervision strategy has been publishedanti-money laundering supervision strategy preventing of terrorist financing
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Supervision releaseRegulations and guidelines 1/2014: Amendment of FIN-FSA regulations and guidelines on risk reporting by credit institutionsRegulations and Guidelines credit institutions risk reporting
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Supervision releaseEntry into force of changes to regulations and guidelines on reporting of mortgage bank operations postponed from end of June to end of Septembermortgage bank operations Regulations and Guidelines reporting
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Supervision releaseRegulations and guidelines 26/2013: Amendment to FIN-FSA regulations and guidelines on Common European ReportingEBA reporting Regulations and Guidelines
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Supervision releaseNeed for correction in the adoption of the new definition of default by FIN-FSA-supervised banks applying the Standardised ApproachThematic review capital requirements calculation default
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Supervision releaseThematic assessment: Insurance companies must ensure the good repute of their agentsInsurance agent Professional qualifications Good repute Thematic assessment
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Supervision releaseBoard of Financial Supervisory Authority extends period of application of risk weight floors for residential and commercial real estate exposures located in Norwayrisk weight floors credit institutions
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Supervision releaseInformation about changes to opening secure email received from the Financial Supervisory Authoritysecure email Financial Supervisory Authority
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Supervision releaseA thematic review: Room for development in reporting the costs of investment services and products to clientsESMA thematic review investment services and products costs to clients
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Supervision releaseA summary of the FIN-FSA’s risk assessment of money laundering and terrorist financing for capital market participants has been publishedmoney laundering and terrorist financing Prevention of money laundering
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Supervision releaseSupervision focuses on economic uncertainty, cyber security and longterm changes in the operating environmentStrategy supervisory priorities
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Supervision releaseFIN-FSA regulations and guidelines 1/2021: Amendment to G-SII guidelinesEBA Regulations and Guidelines Single Resolution Mechanism