Finanssivalvonta (Financial Supervisory Authority, Finland) (FIN-FSA): regulatory returns

What this page covers

Every periodic return FIN-FSA lists for the main populations it supervises, as far as its reporting pages describe them: 67 returns, of which 30 national (FIN-FSA's own; group names end '(national)') and 37 EU-harmonised returns that FIN-FSA collects (group names end '(EU, EBA)', '(EU, EIOPA)', '(EU, EIOPA and ECB)', '(EU, ESAs)' or '(EU, ESMA)'). For EU returns this entry records only the Finnish facts (the Reporter Portal filing route, FIN-FSA's own documents and national notes); the templates and EU validation rules are in the library's EBA and EIOPA entries, or described from FIN-FSA's own pages where no EBA, EIOPA or ESMA library entry exists yet (AIFMD, MiFIR transaction reporting, CSDR Article 9 internalised settlement). Anchor lists: (1) FIN-FSA's 'Reporting' hub and its sector pages for credit institutions, payment service providers, insurance (read in Finnish, where only the Finnish and Swedish versions give the national detail; the English pages cover the EU Solvency II facts only) and investment service providers/fund management companies/AIFMs, each with a table of 'what should be reported': the regulation or guideline, the report code and name, the frequency and reference dates, and the submission date; (2) FIN-FSA's reporting maps (financial sector and insurance sector, in English and Finnish) and the insurance-sector data-collection map (tiedonkeruukartta), a seven-page table of every national insurance module with the entity types that file it; (3) the dedicated AIFMD reporting and CSDR9 reporting pages; and (4) the transaction-reporting page for MiFIR Article 26. Covered: credit institutions and their branches (FINREP, the COREP family, G-SII, remuneration benchmarking, asset encumbrance, funding plans, supervisory benchmarking, IRRBB, financial conglomerates, ESG, DORA, and the national loan-to-value, mortgage-bank, risk-assessment and consumer-lending-default returns); payment and e-money institutions (the national MA, MU, MJ and MV returns, DORA and the risk-assessment questionnaire); investment firms, fund management companies and AIFMs (FINREP, COREP OF, the IFR class 2/3 prudential reports, high-earners remuneration, AIFMD reporting, MiFIR transaction reporting, DORA and the risk-assessment questionnaire); and, in the greatest depth, insurers and occupational pension providers, with particular attention to Finland's earnings-related (employee) pension insurers: the Solvency II EU returns (both the standard quarterly/annual solo and group reports and the financial-stability variants EIOPA collects from the largest firms, noting that FIN-FSA's solo filings combine the standard report with the ECB statistics add-on under the EIOPA 'QES' and 'AES' codes), the EU occupational-pension statistics collected for the ECB (PF QEI, PF AEI, PF AEE) and, under FIN-FSA's own regulation 1/2011, the full national return set for employee pension insurance companies, the Farmers' Social Insurance Institution's pension scheme, the Seafarers' Pension Fund, pension funds and foundations, Keva, life and non-life insurers (including EEA branches and cross-border providers), insurance brokers, sickness funds and unemployment funds. Left out: event-driven notifications (the 'Notifications' hub: DORA major-incident and significant-cyber-threat reports, fit-and-proper notifications, short-selling and major-shareholding flagging, inside-information delay notices, and others); issuer and investor reporting under the 'Reporting for capital market participants' page (covered instead on FIN-FSA's Issuers and investors pages, outside this file's reporting-page anchors); EBA/EIOPA/ESMA modules FIN-FSA's own pages do not name (for example NSFR disclosure templates beyond COREP NSFR itself, MREL/TLAC, benchmarking of credit risk and market risk beyond the SBP family named, MiCA issuer and crypto-asset-service provider reporting, PEPP, EMIR and most of the AMLA data collections); crowdfunding service providers, credit purchasers and servicers, consumer-credit providers and peer-to-peer loan brokers, and mortgage credit intermediaries, whose reporting-requirement pages were not found to list a 'what should be reported' table of the kind the four main sector pages give; the Bank of Finland's own statistical data collection, which FIN-FSA's pages repeatedly point to as a separate collection; and the SFCR and RSR Solvency II narrative reports (no FIN-FSA reporting-page table naming them separately from the quantitative return was found; see gaps). Source

How firms file

• Reporter Portal (Raportoijan portaali) and Validation Service

  FIN-FSA's portal for most periodic reporting: EU EBA and EIOPA XBRL modules (XBRL-XML or, from mid-January 2026, xBRL-CSV for DPM versions 4.0-4.2), national CSV and XBRL modules under FIN-FSA's 'Vakra' (insurance-sector) and 'Virati' (banking-sector) national data-collection arrangements, AIFMD XML reports (from reference date 30 September 2023) and CSDR9 internalised-settlement XML reports. Users log in with Suomi.fi e-Authentication and the Suomi.fi e-Authorisations service. Each reporting obligation is listed with its reference date, national reporting code and, for AIFMD, ESMA reporting codes. A separate Validation Service mirrors the Portal so firms can test validations and submissions before filing for real. The login pages themselves (reporting.finanssivalvonta.fi and validointipalvelu-raportointi.finanssivalvonta.fi) were not requested; only FIN-FSA's public pages about them were read. Source

• MiFIR transaction reporting (SFTP)

  An SFTP connection used to send MiFIR Article 26 transaction reports. A firm registers for the service with a form giving the public key of an SSH key pair it generates; FIN-FSA sends the SFTP credentials by secure email. FIN-FSA processes incoming files continuously through the day and sends feedback messages between 19:00 and 06:00. A separate test service mirrors production for pre-live testing. Source

• Secure email

  FIN-FSA's recommended channel for supervised entities to send confidential information, including reporting correspondence; automatic feedback messages from FIN-FSA's reporting system and reporting helpdesk replies use secure email. Individual messages are stored for 60 days. The secure-email service itself (securemail.bof.fi) is a login-based mail system and was not requested; only FIN-FSA's public page about it was read. Source

Data the FIN-FSA publishes from the returns

• Supervisory Disclosure (CRD Annex IV aggregate statistics)

  Added up across firms · Excel

  Aggregated national statistical data on less significant credit institutions (LSIs), in six parts: consolidated data per competent authority, credit risk, market risk, operational risk, supervisory measures and administrative penalties, and waivers. Data on significant institutions under the ECB's direct supervision are published by the ECB instead. Updated periodically (the file read is dated 2026). Source

  From: COREP OF, FINREP

  Reuse: No separate terms stated; the general FIN-FSA disclaimer applies (see the licence block).

• Key financial figures (banks and capital-market firms)

  Firm by firm · Excel

  The page states these key figures are 'derived from individual banks or credit organisations' or investment firms' submission of data to the Financial Supervisory Authority' - confirmed firm-level. The page itself is titled 'Key financial figures 2016-2025' and embeds an interactive dashboard that runs in the browser, which the library's tools do not read; the page title says it covers 2016-2025; the static Excel files offered for direct download on the page are an older archived series and only cover 2014-2015. Source

  From: FINREP, COREP OF

  Reuse: No separate terms stated; the general FIN-FSA disclaimer applies (see the licence block).

• Statistical data under Solvency II (Templates A-D)

  Added up across firms · Excel

  Confirmed aggregate: the file itself is headed 'ANNEX I - TEMPLATES FOR THE DISCLOSURE OF AGGREGATE STATISTICAL DATA'. Template A gives Finland-wide totals (assets, liabilities, own funds, SCR) for 2022-2025 and Template B gives Finland-wide counts and totals for insurance groups; no individual firm is named. Templates C and D add the same kind of aggregate data from the supervisory authority's own calculations. Source

  From: SOLVENCY2QES, SOLVENCY2AES, SOLVENCY2QRG, SOLVENCY2ARG

  Reuse: No separate terms stated; the general FIN-FSA disclaimer applies (see the licence block).

• Pension insurance statistics

  Firm by firm · Excel (xls)

  Confirmed firm-level: the key-figures workbook (2025_tunnusluvut_e_fi_sv_en.xlsx, read 13 Nov 2026) names each employee pension insurance company in its own column (for example 'Keskinäinen Eläkevakuutusyhtiö Etera', 'Eläkevakuutusosakeyhtiö Veritas') and was last updated 2 June 2026. The 'only to 2010' note in an earlier version of this entry was wrong: the page currently offers current series (labelled '2017-', '2022-' etc., with files dated into 2026) for employee pension insurance companies and industry-wide/company pension funds, alongside older 2001-2016 archive files. Source

  From: VA, VB, VD, VG, VP

  Reuse: No separate terms stated; the general FIN-FSA disclaimer applies (see the licence block).

• Life and non-life insurance statistics, including foreign (EEA) insurers' operations in Finland

  Firm by firm · Excel

  Mixed, confirmed by opening files: the non-life 'result by insurance classes' workbook (2025_vm01c_tilasto_420.xlsx, the VM01c table) is a pivot table with a company selector defaulted to '(All)', so it carries firm-level data firm by firm even though the default view shows the total; it is 9.1 MB. The quarterly 'premium written and claims paid' workbooks and the EEA-insurers'-operations workbooks show Finland-wide or by-country totals only, with no firm named, so those parts are aggregate. Kept as 'firm-level' overall because the VM01c pivot is the one that matches a return in this file. Coverage is current (2026 Q2 for premium/claims, 2025 for EEA operations), not 'up to 2022' as an earlier version of this entry said. Source

  From: VA, VB, VE, VK, VM

  Reuse: No separate terms stated; the general FIN-FSA disclaimer applies (see the licence block).

• Insurance brokers statistics

  Firm by firm · PDF and Excel

  Confirmed firm-level: the comparison workbook (meklaritilasto_2016-2025_en-.xlsx) has a pivot table with one summary sheet per named insurance broker. Current coverage runs 2016-2025 (and earlier rolling 10-year workbooks back to 2005-2014), not 'up to around 2015-2016' as an earlier version of this entry said; PDF annual reports from 2004 are also linked. Source

  From: VQ

  Reuse: No separate terms stated; the general FIN-FSA disclaimer applies (see the licence block).

• Statistics on capital market actors

  Added up across firms · Interactive online dashboard

  An interactive dashboard that runs in the browser; the page carries almost no text beyond its title and a 'Fullscreen mode' control, so the aggregate/firm-level split could not be read from the page itself with this library's access rules (no browser, no JavaScript). Kept as 'aggregate' on the basis that FIN-FSA describes its capital-markets statistics pages as sector-level views; not independently confirmed from the dashboard's own data. Source

  From: FINREP, COREP OF

  Reuse: No separate terms stated; the general FIN-FSA disclaimer applies (see the licence block).

• Solvency of the financial sector

  Added up across firms · Interactive online dashboard

  Three interactive dashboards that run in the browser (banking and conglomerates; life/non-life insurance; employee pension sector); the page carries almost no text beyond the three headings and 'Fullscreen mode' controls, so the aggregate/firm-level split could not be read from the page itself with this library's access rules (no browser, no JavaScript). Kept as 'aggregate' on the basis of the page's own 'solvency of the financial sector' framing (sector-wide, not firm by firm); not independently confirmed from the dashboards' own data. Source

  From: COREP OF, SOLVENCY2QES, SOLVENCY2AES, VD

  Reuse: No separate terms stated; the general FIN-FSA disclaimer applies (see the licence block).

Reuse terms for the FIN-FSA's documents

Finanssivalvonta (FIN-FSA): Disclaimer, section 'Copyright', checked 13 November 2026. In the FIN-FSA's words:

Except where otherwise stated, texts, graphics and recordings on this website are the copyright of the FIN-FSA. [...] Material provided on the FIN-FSA website may be used to a limited extent and as provided for in copyright law, provided the source is stated. If the source is other than the FIN-FSA, there may be restrictions on use of the information. You can check these from the FIN-FSA's Communications unit (finanssivalvonta(at)fiva.fi). On your own website, you may add links to the FIN-FSA website. However, please remember that responsibility for whether or not a link is up-to-date lies with the creator of the link. The creation of links to individual images is prohibited.

Can others share copies?

Unclear.

Conditions

State the source. Use is allowed only to a limited extent and as copyright law provides. Material from other sources may carry its own restrictions. Links to the FIN-FSA website are allowed; links to individual images are not.

What the library does

Keeps only the link, size and SHA-256 fingerprint of each document. The FIN-FSA allows limited use of its material with the source stated, and links to its website, but does not say that whole documents may be copied and shared. So the library describes each return in its own words, links the FIN-FSA's pages and records each file's size and SHA-256, without keeping copies.

Notice the FIN-FSA's terms ask for: Source: Finanssivalvonta (Financial Supervisory Authority, FIN-FSA), https://www.finanssivalvonta.fi

What could not be verified

Said plainly, so nobody relies on a fact the sources do not give.

• Finnish (reg. 1/2011) and Swedish are the only languages FIN-FSA's pages give for the national facts on payment service providers, insurance undertakings, and the detail behind investment service providers/fund management companies/AIFMs' national tables; the English versions of these sector pages say 'Information is available only in Finnish and in Swedish' and link to the Finnish page, which is what was read and translated here. The English pages were used wherever they did carry the national table (credit institutions; investment firms/fund management companies/AIFMs).
• FIN-FSA regulations and guidelines 5/2014 (asset encumbrance reporting, basis for the AE return): the only link found to it (an old /admin/CMS/~/link/ redirect on the credit-institutions reporting page) answered FAILED 403 when requested directly; guessed current-scheme URLs (e.g. .../capital-adequacy/05_2014/) all answered 404. Not accessible; the AE return's legal_basis instead cites the credit-institutions page that names '5/2014 section 3'.
• ESMA's own site (esma.europa.eu) is not a cleared host for this file, so the AIFMD reporting templates, ESMA's AIFMD reporting IT technical guidance, the consolidated AIFMD reporting template, and the ESMA guidelines and technical instructions for CSDR Article 9 internalised settlement and for MiFIR transaction reporting, all linked from FIN-FSA's own pages, were not requested and are not recorded as documents.
• EIOPA's site (www.eiopa.europa.eu) answered inconsistently when requested: one guideline page (EIOPA-BoS/18-114, on occupational-pension information requests) answered FAILED 404, and two others (the EIOPA-BoS-15/107 financial-stability-reporting guideline page, and a non-www eiopa.europa.eu guidelines page) answered 429 (Too Many Requests) or 404 on the attempts made. These EIOPA guidelines are instead cited by the FIN-FSA page that names them, which was read successfully.
• No reporting-requirement table ('what should be reported', in the form the credit-institutions, payment, insurance and investment-firm pages give) was found for: crowdfunding service providers, credit purchasers and credit servicers, consumer credit providers and peer-to-peer loan brokers, consumer credit intermediaries, and mortgage credit intermediaries. Their authorisation and regulation pages were checked; none of them link a reporting-requirement list of the kind the four main sector pages give, so no returns for these populations are recorded here.
• FIN-FSA's reporting pages were not found to name the Solvency and Financial Condition Report (SFCR) or the Regular Supervisory Report (RSR) as separate filings alongside the quantitative Solvency II returns (unlike, for example, Sweden's FI, which lists SFCR and RSR as EIOPA-id returns). FIN-FSA's insurance regulation pages were not individually checked for an SFCR/RSR filing route; not recorded as a return here.
• The 'Key financial figures' statistics page for banks and capital-market firms (statistics/banks/key-financial-figures/) is titled 'Key financial figures 2016-2025' and embeds an interactive dashboard that runs in the browser; this library's access rules do not allow running that JavaScript widget, so the current 2016-2025 figures in it could not be read directly. The only files downloadable as plain links on the page are an older 2014-2015 vintage archive. Not a discontinued dataset, just one this library cannot open past the archive files.
• The pension-insurance statistics page's 'Analysis of net investment income and result' workbooks are dated 2006-2010; other files on the same page ('Comparison of key figures') were not individually opened to check whether they run to a later year.
• FIN-FSA's reporting map PDFs (financial sector, insurance sector, English and Finnish) were read for their text and tables where quoted; the insurance-sector data-collection map's full seven pages were read for the codes and entity types it lists, but its 'Raportoinnin siirtyminen raportoijan portaaliin alkaen' (transition date) and 'Suomi.fi valtuuden tarkenne' (Suomi.fi authorisation detail) columns were not transcribed into this file's return records.
• The REM DBM return's legal basis (EBA/GL/2023/08) and some other EBA guideline numbers quoted here come only from FIN-FSA's own reporting-page table, not from an independently fetched copy of the guideline itself (eba.europa.eu guideline pages beyond the one EBA decision PDF fetched for ESG were not requested).
• FIN-FSA's 'Notifications' hub and 'Reporting for capital market participants' page were read to confirm what they cover (mostly event-driven notifications and issuer/investor reporting), but the individual notification and issuer-reporting pages they link were not each opened; nothing from them is recorded as a periodic return here, consistent with this file's scope.
• Regulation 8/2016's Finnish page links an ML-taulukko workbook (sheets ML01/ML02, titled 'Maksuliiketilasto', payment-transaction statistics; last modified 2018-12-05) alongside MA, MJ, MU and MV. It was not added as a return: it does not appear on FIN-FSA's payment-institutions reporting page (https://www.finanssivalvonta.fi/raportointi/taloudellisen-tilan-ja-riskien-raportointi/uusi-jarjestelma/maksupalvelujen-tarjoajat/) or on the financial-sector reporting map, both of which list only MA, MJ, MU, MV, RA and DORA as the payment institutions' periodic returns. The workbook itself states it is for illustrating the old data-collection application, not for filing. Treated as a discontinued or superseded module, not a live return.
• KT (unemployment funds' monthly statistics): FIN-FSA's insurance-sector reporting page gives the deadline as the 10th calendar day after the reference date, but the copy of regulation 17/2013 read (version m2, issued 2013) says the 15th of the following month, sent by email. The reporting page is the later source and is used as the deadline; the regulation copy may predate a change.

Sources

• Reporting
• Reporting of financial standing and risks
• Reporting to the Financial Supervisory Authority
• Credit institutions (reporting page)
• Payment service providers (reporting page, Finnish)
• Payment service providers (reporting page, English)
• Insurance (reporting page, English)
• Vakuutusyhteisöt (Insurance undertakings, reporting page, Finnish)
• Investment service providers, fund management companies, AIFMs (reporting page)
• AIFMD reporting
• CSDR9 reporting
• Transaction reporting
• Reporting for capital market participants
• Notifications
• The Reporter Portal and the Validation Service
• Reporter portal instructions
• Technical instructions
• Reporting map (financial sector)
• Reporting map (insurance sector)
• Vakuutussektorin tiedonkeruukartta (Insurance-sector data collection map)
• Statistics
• Disclaimer
• About the FIN-FSA

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. See every regulator in the regulatory returns library.