Regulatory Alerts2019-01-01 | FIN-FSA Regulations and guidelines 1/2019Administration of Supplementary Pension Institutions
The Finnish Financial Supervisory Authority (FIN-FSA) issued Regulations and Guidelines 1/2019 concerning the administration of supplementary pension institutions, effective from March 7, 2019. The document was amended on February 1, 2026, and establishes the regulatory framework for the governance and operational management of these entities. It serves as a key component of the FIN-FSA's collection of regulations and guidelines for pension funds and related financial institutions.
These regulations and guidelines are unfortunately available only in Finnish and Swedish. Please find a link to the Swedish version here.
Regulations and Guidelines 1/2019 (pdf)
Administration of Supplementary Pension Institutions
Effective from 7.3.2019
Amended 1.2.2026
Regulations and Guidelines 1/2019 Administration of Supplementary Pension Institutions (version 2)
Regulatory and Guideline Collection for Pension Funds
Regulatory and Guideline Collection for Pension Funds
More information
FIN-FSA regulations and guidelines
Commencement of activities
Payment institutions and persons providing payment services without a license
Consumer credit grantors and peer-to-peer loan intermediaries
Organisation of supervised entities’ operations
Organisation of alternative investment fund manager activities and procedures
Outsourcing in supervised entities belonging to the financial sector
Reporting of mortgage bank operations
Alternative investment fund managers
Organisation of investment services activities and procedures
Preventing Money Laundering and Terrorist Financing
Customer due diligence related to compliance with sanctions regulation and national freezing orders
Risk management
Risk reporting by credit institutions
Reporting of funding plans
Management of operational risk in supervised entities of the financial sector
Management of credit risk and assessment of creditworthiness by supervised entities in the financial sector
Risk management concerning mortgage bank operations
Accounting, financial statements and management report
Regulations and guidelines on accounting, financial statements and management report: Insurance companies, occupational pension insurance companies, insurance associations, insurance holding companies, branches of third-country insurance companies and pension institutions established by law
Regulations and guidelines on accounting, financial statements and management report: Pension funds and pension foundations
Regulations on accounting, financial statements and management report: Sickness funds and funeral and severance benefit funds
Financial sector regulations and guidelines on reporting of financial information (FINREP)
Accounting, financial statements and management report of the financial sector
Capital adequacy
Common European Reporting (COREP)
Regulations and Guidelines related to the Capital Requirements Regulation
Prudential reporting for investment firms (IF)
Conduct of Business
Methods used for calculating the maximum compensation charged for early repayment of housing loans
Disclosure of expenses and returns of long-term savings agreements and insurance policies
Calculation of maximum loan-to-value ratio
Procedures to be followed in banking services
Management of default risks in consumer lending
Operations of securities markets
Takeover bid and the obligation to launch a bid
Public insider register of market participants, occupational pension insurance companies and fund management companies
Trading parties from third countries
Regulations and guidelines on disclosure obligation
Insurance operations