Finansinspektionen

What Finansinspektionen does

Finansinspektionen (FI) is the Swedish Financial Supervisory Authority, a government agency established in 1991 under the Ministry of Finance that holds exclusive statutory jurisdiction over the supervision and authorization of Sweden's financial markets. It oversees banks, credit institutions, payment institutions, insurance companies, securities firms, fund management companies, fintech firms, and cryptocurrency service providers operating in Sweden, and serves Swedish consumers through consumer protection functions. FI's mandate covers publishing regulatory rules, monitoring compliance, analyzing systemic risks, maintaining financial stability, protecting consumers, and enforcing sanctions for non-compliance.

The authority does not build or sell commercial technology products; its technology footprint consists of reporting systems, the Rapporteringsportal for periodic supervisory reporting, FIDAC for credit reporting, company registers, warning lists, and a digital self-service portal for authorization applications. Core non-supervisory "offerings" include news and publications, stability and consumer protection reports, statistical publications, the Innovationscenter for fintech guidance, AML supervision services, consumer protection resources, and subscription services. The organization is funded through government appropriations and statutory supervisory fees — it generates no commercial product or service revenue. Recent enforcement actions demonstrate material regulatory authority, including a 500 million SEK fine on Klarna Bank for AML failures, 140 million SEK on Ikano Bank, and 90 million SEK on Norion Bank, alongside 66 warnings against unauthorized financial service providers.

FI operates within the European regulatory ecosystem as a core partner of EBA, ESMA, EIOPA, the European Systemic Risk Board (which it co-chairs), the ECB, the Single Resolution Board, and the forthcoming Amla authority. It is headquartered in Stockholm at Sveavägen 44, employs 501-1000 staff, and is currently undergoing significant leadership renewal, with Johan Almenberg taking over as Director General on 1 December 2025 and new executive directors appointed across Markets, Insurance, and IT functions during 2025. The organization has no commercial ownership, no parent company beyond the Kingdom of Sweden, and no subsidiaries; there is no PE/VC/M&A angle given its status as a sovereign regulatory authority.

Name

Finansinspektionen

Legal name

Finansinspektionen

Website

https://fi.se

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Finansinspektionen is the Swedish Financial Supervisory Authority, a government agency that regulates banks, insurers, payment institutions, fund managers, fintech, and crypto firms operating in Sweden. It supervises compliance, enforces sanctions, publishes stability and consumer protection reports, and serves Swedish consumers and the wider European regulatory ecosystem.

Ownership category

akta.pro rank

Product category

Financial Regulatory Services

NAICS

Monetary Authorities-Central Bank (5211)

SIC

International Affairs (9721), Finance Services (6199)

akta.pro primary industry

Financial Services Regulators (Banking, Securities, Insurance) (BPAIAOAK)

akta.pro secondary industries

International Monetary & Financial Stability Institutions (BPADACAE), Financial Regulation, AML/CFT & Tax Transparency Cooperation (BPADANAL), Cross-Border Compliance & Controls (Sanctions Screening, Travel Rule, KYT) (FSAGAKAK), Regulator/Authority-Operated Reporting Systems & Portals (FSAFAJAJ)

Keywords

• Financial supervision
• Regulatory authority
• Consumer protection
• Anti-money laundering
• Market surveillance

Headquarters

HQ city

Stockholm

HQ country

Sweden

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Distribution channels2 records

Marketing channels6 records

Core offering

Finansinspektionen (FI) is Sweden's national financial supervisory authority, a government agency that licenses and supervises banks, credit institutions, payment institutions, insurance undertakings, securities firms, fund management companies, and crypto-asset service providers under Swedish and EU financial regulation. It monitors compliance with capital adequacy, anti-money laundering (AML), consumer credit, and market conduct rules, conducts examinations and investigations, issues sanctions and administrative fines, publishes supervisory priorities, statistical reports, and warning lists, and operates an Innovation Center that guides fintech and crypto firms on regulatory requirements.

Product overview

Finansinspektionen (FI) is the Swedish Financial Supervisory Authority, a government agency that does not offer commercial products but provides regulatory and supervisory services. The organization's offerings include news and publications covering regulatory decisions, comprehensive reports and analysis (Stability Reports, Bank Barometer, Consumer Protection Reports), company registers and warning lists, sanctions enforcement information, statistical data, an Innovationscenter for fintech guidance, anti-money laundering supervision services, consumer protection resources, and subscription services for stakeholder updates.

Differentiator

Problem solved

Functional benefit

Products and services

• Authorization and Licensing of Financial Institutions Statutory service under which FI grants permits to financial firms seeking to operate in Sweden, covering application review, suitability assessments, and ongoing authorization compliance. Targeted at companies seeking entry into the Swedish financial market.
• Ongoing Supervisory Oversight and Examinations Continuing service under which FI monitors licensed financial institutions for compliance with capital adequacy, governance, conduct, anti-money laundering, and consumer protection rules, issuing sanctions and administrative fines for violations. Targeted at all FI-supervised entities.
• Rapporteringsportal (Periodic Reporting Portal) Digital self-service portal supporting supervised companies' submission of periodic reporting including AML disclosures, capital requirements, and fund holdings (innehållsrapportering). Targeted at regulated financial institutions in Sweden.
• Innovation Center (Innovationscenter) Dedicated FI unit that provides regulatory guidance and clarification for fintech and innovative financial-services companies navigating Swedish authorization and conduct requirements. Targeted at fintech startups, e-money institutions, crypto-asset service providers, and other innovative entrants.
• Anti-Money Laundering Supervision Supervisory service that monitors and enforces AML and counter-terrorist-financing compliance among Swedish financial institutions, including enhanced customer due diligence, risk assessment reviews, and sanctions for deficiencies. Targeted at supervised financial institutions.
• Macroprudential Buffer and Risk Weight Floor Decisions Policy and rule-setting service by which FI sets and communicates macroprudential capital measures (countercyclical capital buffers, Article 458 risk weight floors) covering Swedish mortgage exposures and commercial real estate. Targeted at Swedish banks and credit institutions subject to capital requirements.
• Public Company Registers and Warning List Publicly accessible register services providing information on FI-supervised firms (Företagsregistret), entities warned against for unauthorized operation (FI:s varningslista), and FI's regulatory correspondence (Diariet). Available to consumers and market participants.
• Stability Reports and Market Analysis Publications Recurring analytical publications covering financial stability, banking sector conditions, consumer protection trends, and capital adequacy statistics for the Swedish market. Targeted at policymakers, supervised entities, and the public.

Quantifiable outcome

• Financial system stability maintained through supervisory oversight
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• Single Resolution Board (SRB)coreStrategic or Co-development Partner · 31 January 2025Memorandum of Understanding signed to strengthen supervision and resolution cooperation between SRB, ECB, Swedish National Debt Office (SNDO), and Finansinspektionen in accordance with Article 32(2) of the single resolution mechanism framework regulation (SRM Regulation).
• European Central Bank (ECB)coreStrategic or Co-development Partner · 31 January 2025Memorandum of Understanding signed to strengthen supervision and resolution cooperation between ECB, SRB, Swedish National Debt Office (SNDO), and Finansinspektionen.
• Swedish National Debt Office (SNDO)coreStrategic or Co-development Partner · 31 January 2025Memorandum of Understanding signed to strengthen supervision and resolution cooperation between Swedish National Debt Office, SRB, ECB, and Finansinspektionen.
• European Banking Authority (EBA)coreStrategic or Co-development PartnerFI collaborates with EBA on capital requirements, stress testing, risk weight floors, and supervisory guidelines. FI follows EBA guidelines for banks' sanction screening, ESG risks, and capital requirement calculations.
• European Securities and Markets Authority (ESMA)coreStrategic or Co-development PartnerFI collaborates with ESMA on market regulation, prospectus approvals, MiCA implementation for crypto-assets, and securities market supervision including coordination on investigations.
• European Insurance and Occupational Pensions Authority (EIOPA)coreStrategic or Co-development PartnerFI collaborates with EIOPA on insurance supervision, pension regulations, and ESG risk integration in insurance sector supervision.
• European Systemic Risk Board (ESRB)coreStrategic or Co-development PartnerFI notifies ESRB of macroprudential measures including risk weight floor extensions under Article 458 of CRR. Reciprocation of Norwegian systemic risk buffer coordinated through ESRB.
• European Union Agency for Anti-Money Laundering (Amla)coreStrategic or Co-development PartnerFI is preparing for Amla's new supervisory role starting 2028. FI contacts companies that will fall under Amla's direct supervision and facilitates data collection through a new questionnaire.
• National Institute of Economic Research (KI)minorStrategic or Co-development PartnerFI's Head of Markets Jimmy Kvarnström appeared on Börsmorgon with KI's Director General Albin Kainelainen to discuss economic outlook and financial sector risks.
• Coordinating Body for Anti-Money Laundering (Samordningsfunktionen)coreStrategic or Co-development PartnerFI cooperates with the coordinating body which includes the Financial Intelligence Unit of Swedish Police and Swedish Security Service to produce guidance, reports, webcasts and surveillance materials on anti-money laundering and terrorist financing prevention.

Scale indicators8 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• BaFin (Germany): Germany's federal financial supervisory authority combining banking, securities, and insurance supervision under one roof. Most direct functional analogue to FI, including AML supervision, consumer protection, and cooperation with ESAs.
• Financial Conduct Authority (FCA, UK): UK conduct and market integrity regulator with a comparable mandate across financial services, plus an Innovation Hub function analogous to FI's Innovationscenter. Comparable scope on consumer protection, AML, and market supervision.
• Autorité des Marchés Financiers (AMF, France): France's financial markets and securities regulator, with parallel responsibilities for market integrity, prospectus approvals, and fintech guidance that mirror FI's Markets supervision mandate.
• Finanstilsynet (Denmark): Denmark's financial supervisory authority and FI's closest Nordic peer, sharing common regulatory traditions, cross-border banking sector oversight, and similar AML/consumer protection frameworks.
• Finanstilsynet (Norway): Norway's financial supervisory authority, comparable in mandate (banks, insurance, securities, AML). Cooperates with FI under ESRB-led reciprocation of macroprudential measures such as the Norwegian systemic risk buffer.
• FIN-FSA (Finland): Finland's Financial Supervisory Authority, part of the European System of Financial Supervision and a direct Nordic counterpart to FI on banking, insurance, and securities supervision.
• De Nederlandsche Bank / Autoriteit Financiële Markten (AFM, Netherlands): Netherlands' market conduct authority (AFM) sits within a twin-supervisor model with DNB covering prudential matters, covering the same conduct, AML, and market integrity remit as FI's Markets function.
• Finanzmarktaufsicht (FMA, Austria): Austria's integrated financial market supervisor covering banking, insurance, securities and pension supervision. Functions as FI's structural equivalent within the EU single market for financial services.

Broad incumbents

• European Insurance and Occupational Pensions Authority (EIOPA): EU-level insurance and pensions supervisor that FI collaborates with on Solvency II implementation and ESG risk integration; provides the supranational layer that frames FI's insurance supervision activities.
• European Systemic Risk Board (ESRB): EU-wide macroprudential oversight body of which FI is a member and recent co-chair. Mandate and analytical scope closely mirror FI's stability and macroprudential functions at the European level.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/finansinspektionen
• Facebookfacebook.com/finansinspektionen
• LinkedInlinkedin.com/company/finansinspektionen
• Instagraminstagram.com/finansinspektionen
• Xx.com/finansinsp

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Finansinspektionen