Charges collected for the use of the register
Lenders are charged for the credit register extracts they request from the Positive credit register. This page provides information about invoicing and about the grounds for chargeability.
What are the grounds for invoicing?
The Tax Administration's Incomes Register Unit collects a charge for the responses sent to the lenders’ requests for credit register extracts. A lender is invoiced for requesting a private individual's credit register extract in the following situations:
- The person has loans (the lender receives a credit register extract in response to their request).
- The person does not have loans (the lender receives a credit register extract in response to their request).
- The person is not found in the register (the lender receives a response stating that the customer is not found).
- The person is dead (the lender receives a response stating that the person is dead and specifying the date of death).
A request is subject to a charge even if the personal identity code specified in the request is incorrect, as long as the incorrect personal ID meets the formal requirements set for it.
The invoicing of the requests for credit register extracts is based on section 31, subsection 3 of the Act on the Positive Credit Register, according to which a charge is collected for the disclosure of information to the operators referred to in section 21.
The price of a credit register extract will be confirmed by the end of 2023
The preliminary price estimate for a request for a credit register extract is €1.04. The price will be confirmed as the decree of the Ministry of Finance will be passed, i.e. by the end of 2023.
Data requests are invoiced on a monthly basis
The Positive credit register’s invoicing period is the calendar month. The Incomes Register Unit sends lenders a monthly invoice regarding the requests for credit register extracts they have made during the previous month.
Lenders can request adjustment of the invoiced amount from the Incomes Register Unit within 6 months from the date of invoice. Instructions on requesting adjustment are enclosed with the invoice.
Invoicing information is requested in the data permission application
The Positive credit register’s data permission application asks for the organisation’s invoice address, invoice language (Finnish, Swedish, English) and contact person for invoicing. As a rule, invoices are sent as e-invoices. If the organisation uses invoice references, you can also enter the reference in the application.
The invoicing information is saved in the e-service, and it can be edited on the Invoicing and contact information page, if needed.
The price of a request for a credit register extract is based on a decree issued by the Ministry of Finance
The grounds for the charge collected on a request for a credit register extract are laid down in the Act on Criteria for Charges Payable to the State (150/1992). A chargeable request for a credit register extract (performance) and the amount of the charge are laid down in the Ministry of Finance decree on the fees payable for performances of the Tax Administration's Incomes Register Unit. The decree enters into force as the Positive credit register is launched on 1 April 2024, and it will be in force until the end of 2024. The decree will be renewed annually, and the price of a chargeable performance may then be changed.
The price of a chargeable performance is calculated based on the cost price. The charge for the disclosure of information covers such annual costs for the operation of the Positive credit register and the maintenance of the system that relate to the provision of the services for lenders. The charge also covers a corresponding portion of the establishment costs of the register, calculated as annual depreciation.
Study the Positive credit register’s instructions:
- Sharing information from the Positive credit register
- Instructions for lenders on how to request a data permission