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In forceCredit institutions: national capital and lending returns (national)Last checked 13 November 2026

Default risk management in consumer lending (MK)

A regulatory return listed by the Finanssivalvonta (Financial Supervisory Authority, Finland) (FIN-FSA), Finland.

A national template on the management of default risks in consumer lending. Source

The facts

Who files
Finnish credit institutions and their branches abroad; Finnish branches of foreign credit institutions. Source
How often
Annually, on the situation as at 31 December. Source
Deadline
13 February. Source
Format
Other. Filed through the Reporter Portal as 'the default risk management MK template'. Source
How it is filed
Filing routes recorded for the FIN-FSA: Reporter Portal (Raportoijan portaali) and Validation Service; MiFIR transaction reporting (SFTP); Secure email. See how firms file with the FIN-FSA.
Status
In force
Legal basis
Group
Credit institutions: national capital and lending returns (national)

Templates (1)

The tables and forms inside the return. Plain name first, the FIN-FSA's code in brackets.

  • Insolvency risk (MK01)

The MK table workbook is published on the Finnish page of regulation 1/2025, not on the English page previously cited. The same page also links a worked Gini-coefficient / lowest-5%-risk-band example file (document 'mk-gini-example'), used to illustrate how the MK01 risk-scoring fields are calculated; it is not itself a reporting template. Source

Validation rules

12 rules, as counted from the FIN-FSA's published material. Software can run them exactly as published. Source

How they are written: A sheet in the table workbook with one rule per row: the rule itself as a formula over table cells in the column ValidationCode (for example 'VA01a(1020,10)=SUM(VA01a(102010,10):VA01a(102030,10))'), then the table code, start and end date, frequency, system code, severity and interval..

The same workbook is the table template for the return.

The rules, on finanssivalvonta.fi

How they were counted

12 rows on the sheet 'FIN-FSA Validation rules' in the table workbook mk_malli_fi_2.3.2026.xlsx, one per ValidationCode, none with an end date before 13 November 2026. Every rule has the severity 'Warning'.

Counts are in the FIN-FSA's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No data from this return published by FIN-FSA was found on the pages checked. Source

Official documents (4)

The FIN-FSA's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see FIN-FSA's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Finanssivalvonta (Financial Supervisory Authority, FIN-FSA), https://www.finanssivalvonta.fi

Last checked 13 November 2026.