Regulations and Guidelines 19/2013: Coverage of Liability for Supplementary Pension Institutions and Funeral and Divorce Benefit Funds

These regulations and guidelines are unfortunately available only in Finnish and Swedish. Please find a link to the Swedish version here.

Regulations and Guidelines 19/2013 (pdf)

Coverage of Liability: Supplementary Pension Institutions and Funeral and Divorce Benefit Funds

Effective from 1.1.2022

Amended on 9.11.2021

Regulations and Guidelines 19/2013
Coverage of Liability and Pension Obligations: Pension Foundations and Pension Funds Engaging in Non-Statutory Activities and Funeral and Divorce Benefit Funds (version 3) (pdf)

More information

Request for Comments 2/2013
Coverage of Liability and Pension Obligations: Pension Foundations and Pension Funds Engaging in Non-Statutory Activities and Funeral and Divorce Benefit Funds

Request for Comments 4/2017
Changes to Regulations and Guidelines of the Insurance Sector and Data Collection Forms and Their Guidelines

Request for Comments 21.11.2018 Changes to Regulations and Guidelines of the Insurance Sector and Data Collection Forms and Their Guidelines

Comments Received on the Draft Regulations and Guidelines

Comments received with Request for Comments 2/2013, 29.4.2013 (ref. no. FIVA 4/01.00/2013)

Pension Foundation Association - ESY ry

Ministry of Social Affairs and Health

Federation of Finnish Financial Services

Feedback on Received Comments

Comments received with Request for Comments 4/2017, 2.10.2017, (ref. no. FIVA 11/01.00/2017)

Pension Foundation Association - ESY ry

Pension Foundation of Kaiko Oy

Ministry of Social Affairs and Health

Insurance Funds Association

Ministry of Finance

Feedback on Received Comments

Comments received with Request for Comments 21.11.2018 (ref. no. FIVA/13/01.00/2018)

Pension Foundation Association ESY ry

Summary of Comments

Comments received with Request for Comments 11.8.2021 (ref. no. FIVA 17/01.00/2021)

Summary of Comments

FIN-FSA regulations and guidelines

Commencement of activities

Payment institutions and persons providing payment services without a license

Consumer credit providers and peer-to-peer loan intermediaries

Organisation of supervised entities’ operations

Organization and procedures of investment fund activities

Outsourcing in supervised entities belonging to the financial sector

Reporting of mortgage bank operations

Alternative Investment Fund Managers (AIFMs)

Organization and procedures of investment services activities

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 divorce 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