Result

2025

Household savings in Sweden

2025-03-24 | Consumer Save Reports

Swedes hold a large amount of financial assets, but the distribution of these assets is very uneven. Most Swedes hold a small amount of financial assets, while 5 per cent of the population holds approximately half of all assets. Few have direct savings in shares or funds. Those with large loans can be vulnerable to weakened economic conditions and therefore in general have a greater need for a financial buffer. FI’s data indicates that many mortgagors hold a small amount of assets, at least with the same bank where they have their mortgage.

FI Analysis No. 48: Share of consumer credit debt registered with Swedish Enforcement Authority increases during economic downturns

2025-02-27 | Borrow Consumer Reports

In 2020, almost 130,000 individuals had a debt registered with the Swedish Enforcement Authority that was related to consumer credit. Since the end of 2020, the general price level has increased (inflation) by almost 20 per cent. The Riksbank raised the policy rate during the same period, making it significantly more expensive to borrow money. In 2023, just over 160,000 individuals with consumer credit had new debts registered with the Swedish Enforcement Authority, which represents an increase of 23 per cent since 2020. The new debts, measured in SEK, that were related to consumer credit were 51 per cent higher than they were in 2020.

2024

FI proposes enhanced preventive work in efforts to prevent investment fraud

2024-11-07 | Frauds Reports Consumer

An increasing number of consumers are falling victim to investment fraud. In a report to the Government, FI proposes, among other things, enhanced work to prevent investment fraud.

Financial education continues to be important for strengthening consumers

Many people find it difficult to make decisions about their finances. The majority of Swedes understand financial terms but are not knowledgeable about how these concepts impact their own finances. Finansinspektionen (FI) is releasing a report today that evaluates the authority’s work with financial education and identifies a number of areas where deficient financial literacy could impose significant risks on the consumer.

Two expert reports on macroprudential policy measures

Amortisation requirements, the LTI ratio, and the LTV cap are macroprudential policy tools that are used in Sweden and many other countries. But what are the potential effects of these borrower-based measures? To answer to this question, Finansinspektionen commissioned two expert reports on the topic.

Fraud prevention in payment services

2024-05-31 | Pay Consumer Payments

Fraud is a major and expanding societal problem that fosters organised crime. FI supervises that payment service providers follow the provisions set out in the Payment Services Act that aim to prevent fraud. Payment service providers do a lot to prevent their payments services from being used for fraud, but this problem is still growing.

Interest rate puts pressure on indebted households

2024-05-29 | Mortgage Reports News

Households continue to be under pressure from both higher interest rates and other costs. This is evident in FI’s mortgage report. The report looks at new mortgagors during the autumn of 2023. We can see that there are fewer mortgagors than in previous years. Home buyers also bought slightly less expensive homes and borrowed slightly less. Total lending to households has stagnated, but despite this household indebtedness continues to be high.

FI Analysis No. 44: Most People Have Lost Money Trading Cryptocertificates

More than half of Swedes who traded in cryptocertificates over the past six years have lost money on their investments. This is despite the underlying market increasing by up to 500 percent during the studied period. This is shown in a new analysis by FI that examines Swedes' trading in cryptocertificates.

Four reasons not to buy cryptoassets

2024-05-15 | Pay Consumer Save

Right now, the media is filled with reporting on cryptoassets, and various investment tips are being shared on social media. Even though regulations for the cryptomarket are under development, it will continue to be very risky for consumers to invest in crypto. We have listed four reasons not to invest in them.

FI notifies foreign supervisory authorities after complaints about misleading advice

2024-05-13 | News Consumer Markets

FI has been receiving complaints from consumers in Sweden about four foreign investment firms. The foreign supervisory authorities who are responsible for the supervision of these companies have been notified about the complaints.

 

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