Consumer protection

In this section, the Financial Supervisory Authority (FIN-FSA) has collected together information you might need as a customer. Here you will find information on various products and services offered in the financial markets as well as on your rights and obligations as a customer.

If you have problems with a service provider, follow these steps:

1. Make a written record of the problems in question.
2. Contact your service provider, e.g. bank or insurance company, at their office or via their service number.
3. If the problem cannot be resolved or you demand compensation, make a written and as clear and detailed a demand for compensation as possible and deliver it to your service provider.
4. If the problem is not resolved, contact the Financial Ombudsman Bureau (FINE).

More information on page Problems with a service provider.

This site does not provide investment advice or recommend any particular service, product or service provider.

The entities supervised by the FIN-FSA include

• banks
• non-life insurance, life insurance and reinsurance companies
• employee pension insurance companies
• pension funds
• pension and employee sickness funds and other employee benefit funds
• insurance associations 
• unemployment funds
• other entities active in the insurance sector (including Local Government Pensions Institution, Church Central Fund)
• investment firms
• fund management companies
• Finnish Central Securities Depository (APK)
• stock exchange
• payment institutions

See also:

• Survey of availability and pricing of basic banking services
• Publications and press releases
• List of supervised entities
• Bank of Finland's ‘Home emergency kit’ for payments

Warning lists:

• Prohibitions concerning insurance brokerage
• Warnings from foreign supervisory authorities