Regulations and Guidelines for Unemployment Funds 3/2021

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

Regulations and Guidelines 3/2021 (pdf)

Regulations and Guidelines for Unemployment Funds 3/2021

Effective from 1.1.2022

Amended on 20.5.2025

Regulations and Guidelines 3/2021
Regulations and Guidelines for Unemployment Funds (version 1)

More information

Responses to the request for comments dated 24.8.2021:

Responses to the request for comments dated 24.8.2021 (ref. no. FIVA 11/01.00/2021)

Summary of responses

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 lending intermediaries

Organisation of supervised entities’ operations

Organization and procedures for investment fund activities

Outsourcing in supervised entities belonging to the financial sector

Reporting of mortgage bank operations

Alternative investment fund managers

Organization and procedures for 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 severance allowance 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