Service break in the Positive credit register's e-service and APIs on 16 July from 7 am to 10 am. See the service break schedule.
 
Service break in the stakeholder testing environment on 14 July from 1 pm to 3 pm. See the service break schedule in the testing environment.

Signing up to the Positive credit register as a data notifier as of 1 August 2025

Date of issue
5/9/2025
Record no.
VH/3082/06.00.00/2025
Validity
5/9/2025 - Until further notice

These instructions provide guidance on the lenders’ obligation to sign up to the Incomes Register Unit as data notifiers as of 1 August 2025. The instructions describe who are obliged to sign up for the register under the Act on the Positive Credit Register, and what kind of loans they are required to report.

A lender may have a legal right to receive information from the Positive credit register. When signing up, the lender can also separately apply for a data permission needed for the purpose. Certificates are needed to report data and to request data. Instructions on how to apply for a data permission and how to retrieve and use certificates are provided in separate instruction documents:

Also study the Positive credit register’s other instruction documents:

Contact information for the Positive credit register's customer service is available on the register's website at www.positivecreditregister.fi. 

1 Terminology used in the instructions

Consumer credit refers to a consumer credit or comparable loan to which the provisions of chapter 7 or 7 a of the Consumer Protection Act (38/1978) are applied.

Credit granted to a natural person other than a consumer refers to a loan, deferred payment or other financial arrangement on which interest or other charges are collected by agreement and which is granted to a natural person but is not a consumer credit as referred to above.

Lender is a party that grants loans. In these instructions, ‘lender’ refers to all parties required to submit reports. 'Lenders' also includes some parties that are not lenders, such as peer-to-peer loan brokers, Kela, debt collection agencies buying debts, and other businesses to which the lender’s rights arising from a loan contract have been transferred (reassignees). For the sake of readability, they are also called lenders in these instructions.

2 Requirement to sign up for the Positive credit register

Section 18 of the Act on the Positive credit register (Finlex) provides for the obligation to register as a party with the reporting obligation. According to section 16 of the act, the obliged entities must register with the Incomes Register Unit as parties with the reporting obligation before starting to report data.

The Incomes Register Unit issues a decision to open access for the reporting of data after it has received sufficient information to ascertain the reporting obligation and open a technical API.

A lender that has already reported loans to the register in stage 1 must submit a change notification regarding their previous sign-up if their credit stock contains or will contain loans granted to natural persons other than consumers on or after 1 December 2025.

This chapter describes lenders that have the reporting obligation and loans that must be reported. For more information about the sign-up and time limits, see chapter 3.

2.1 Lenders with the reporting obligation

Section 16 of the Act on the Positive credit register provides for the obligation to submit reports to the register. The lenders specified below are obliged to report data on consumer credits, loans comparable to them and loans granted to natural persons other than consumers.

1. Businesses referred to in sections 4 and 5 of the Act on the Financial Supervisory Authority (878/2008):

  • authorised supervised entities (section 4, subsection 2), excluding credit servicers under section 4, subsection 2, paragraph 7
  • credit servicers (section 4, subsection 2, paragraph 7)
  • supervised entities comparable to authorised supervised entities (section 4, subsection 3)
  • other supervised entities (section 4, subsection 4)
  • Finnish branches of foreign EEA-supervised entities (section 4, subsection 5)
  • foreign supervised entities providing services in Finland without a branch (section 4, subsection 5)
  • lenders or loan brokers entered in a register according to the Act on the Registration of Certain Credit Providers and Credit Intermediaries (section 5, paragraph 40).

A branch of a foreign EEA-supervised entity may be a branch of a credit institution established in an EEA country or a branch of a credit institution established in an EEA country by a third country. Provision of services without a branch is possible only for such EEA supervised entities that have an operating licence in another EEA country.

Lenders and peer-to-peer loan brokers that are required to submit reports and have been entered in a register according to the Act on the Registration of Certain Credit Providers and Credit Intermediaries may also be lenders established in another EEA country but providing services in Finland.

2. Businesses that meet all the requirements listed below:

  • The business operator is established in Finland or another EEA country but is not under the supervision of the Financial Supervisory Authority.
  • The business operator professionally grants loans to generate income or other financial benefit.
  • The business operator grants loans to natural persons other than consumers.
  • The business operator grants loans in Finland other than occasionally.
  • The business does not grant loans only to finance the purchase of goods or services it provides.

3. Such other businesses to which the lender’s rights arising from a loan contract reported to the register are transferred (reassignees).

Such reassignees include, for example, debt collection agencies and credit servicers to which loans have been transferred from a business that is required to submit reports. If a debt collection agency attends to a collection assignment on behalf of a lender or credit servicer, the reporting obligation remains with the lender.

4. Finnvera, a state-owned specialised financing company.

Lenders referred to in items 1, 2 and 4 must always submit a report on a loan transferred to them. Lenders referred to in item 3 must report only such transferred loans that have been assigned to them by a lender with the reporting obligation.

2.2 Loans to be reported to the register

Data on consumer credits and comparable loans granted by virtue of loan contracts is reported to the Positive credit register. In addition, loans granted to natural persons other than consumers are reported to the register. Further, Kela reports data on guarantee receivables for student loans. This chapter describes the loans that must be reported to the register.

Consumer credits falling within the scope of chapter 7 or 7 a of the Consumer Protection Act must be reported to the Positive credit register. Loans that a natural person has taken out primarily for their business activities are not consumer credits.

According to the Consumer Protection Act, the term ‘consumer credit’ means a credit which an enterprise, by agreement, grants or promises to grant to a consumer as a loan, deferred payment or another corresponding financial arrangement. A further condition is that interest or charges are collected.

It is the lender’s responsibility to establish whether a loan they grant or broker to a natural person is a consumer credit.

Data on credits to which the provisions of chapter 7 or 7 a of the Consumer Protection Act do not apply is not reported to the register. Such credits include

  • consumer credits on which no interest or other charges are collected
  • credits based on agreements according to which a consumer has the right to pay the price of a continuously supplied commodity in instalments during the period of validity of the agreement (for example, water and electricity bills)
  • credits granted by pawnbrokers
  • credits granted on the basis of the act on social crediting (Laki sosiaalisesta luototuksesta 1133/2002)
  • loans that a natural person has taken out primarily for their business activities.

Further, granting a usual time of payment to a consumer in commodity trading does not constitute a consumer credit under chapter 7 of the Consumer Protection Act.

Data on loans comparable to consumer credits is reported to the Positive credit register. Such loans include loans, deferred payments and other financial arrangements in which interest or charges are collected.

Under chapter 7, section 1, subsection 2 of the Consumer Protection Act, loans comparable to consumer credits refer to leasing or other such contracts by which goods are transferred to a consumer’s control and according to the terms and conditions of which the cash price and loan expenses will be paid during the lease period or the consumer can otherwise become the owner of the goods at the end of the contract. The Positive credit register calls such contracts leasing contracts.

Under chapter 7, section 1, subsection 3 of the Consumer Protection Act, a loan is also comparable to a consumer credit if a party other than a lender grants or promises to grant it to a consumer as a loan, deferred payment or another corresponding financial arrangement and if a business operator brokers the credit to the consumer. In that case, the business operator acts as a peer-to-peer loan broker.

As of 1 December 2025, data on credits, deferred payments and other such financial arrangements granted, by agreement, to a natural person other than a consumer must also be reported to the Positive credit register if interest or other charges are collected under the agreement.

Other natural persons include, for example, agricultural or forestry operators, light entrepreneurs, business name entrepreneurs and other persons who are not consumers as laid down in of the Consumer Protection Act. Legal persons, such as limited liability companies or general partnerships, are not natural persons, and loans granted to them are not reported to the register. In addition, personal guarantees related to legal persons' loans are not reported to the register because they are not loans granted to natural persons.

A deferred payment refers to the right granted to a borrower, by agreement, to pay the overdue amount either partly or fully after the goods have been delivered or services provided. Deferred payments must be reported only if interest or other charges are collected on them. Late-payment interest or charges arising from a breach of contract are not expenses that would require the reporting of a loan, deferred payment or other financial arrangement. Products or services bought on invoice are not considered deferred payments that should be reported if the invoice has a standard term of payment and does not include interest or charges.

Further, data on loan contracts according to which a natural person has the right to pay the price of a continuously supplied commodity in instalments during the period of validity of the agreement are not reported to the register. Examples of such contracts include water and electricity bills.

A financing agreement can also be made on a purchased commodity, in which case the buyer can pay the price of the commodity either as a one-off payment without interest and charges or in instalments. In the latter case, interest and charges are added to the price. Data on financing agreements is reported to the register only if the buyer decides to use the credit facility agreed on in the financing agreement and pays the price of the commodity in such a way that interest and charges are collected.

In the case of natural persons other than consumers, data on leasing contracts or other contracts under which goods are transferred to a natural person’s control and according to the terms and conditions of which the cash price and loan expenses of the goods will be paid during the lease period or the natural person can otherwise become the owner of the goods at the end of the contract (business leasing) is not reported to the register.

Factoring must be reported to the register in the case of a financial arrangement on which interest or expenses are collected.

Letters of credit are not reported to the register. However, if a loan for which interest or expenses are collected is established in connection with a letter of credit, the loan must be reported to the register.

Bills of exchange must be reported to the register if interest or charges are collected.

Bank guarantees are not loans. If a bank’s guarantee liability is actualised and a loan is established for the payment of the guarantee, the loan must be reported to the register.

3 Sign-up process

This chapter contains the time limits for signing up as a data notifier to the Positive credit register and describes how to sign up. The chapter also describes how sign-up requests are processed and decisions communicated.

3.1 Sign-up period

Lenders registering as data notifiers for the first time must sign up to the Incomes Register Unit on their own initiative no later than 1 month before they start reporting data to the Positive credit register.

The time limit for signing up is different when lenders start reporting loans granted to natural persons other than consumers for the first time between 1 December 2025 and 31 March 2026. If the lender’s credit stock contains or will contain such loans on 1 December 2025, the lender must sign up or submit a change notification regarding their previous sign-up to the Incomes Register Unit between 1 August and 31 October 2025.

3.2 Sign-up channels

You can sign up as a data notifier in the Positive credit register’s e-service. The e-service can be used if both of the following conditions are met:

  • the lender has a Finnish Business ID
  • the person acting in the lender’s name can identify themselves in the Suomi.fi service using strong identification. In Suomi.fi, users identify themselves with their Finnish e-bank codes, mobile certificates or certificate cards.

If the lender cannot use the e-service, they can sign up on a paper form. You can request a paper form by filling in the contact form on our website from 1 August 2025 onwards. You can also request a paper form from the Positive credit register’s customer service from 1 August 2025 onwards. You can find the customer service’s contact information on the Positive credit register's website at www.positivecreditregister.fi. The paper form will be sent to the address provided by the lender either by post or by email.

You can return the completed form and its attachments to the Incomes Register Unit by post to the address:

POSITIVE CREDIT REGISTER
P.O. BOX 2
FI-00055 INCOMES REGISTER

Read more about the required attachments to the paper form in chapter 3.4.

3.3 Who can sign up a lender organisation?

Individuals who are recorded to have any of the official roles listed below in the Trade Register or the Business Information System (BIS) can act in the lender’s name in the e-service:

  • managing director
  • managing director’s substitute
  • Chair of the Board
  • general partner (limited partnership)
  • partner (general partnership)
  • business operator
  • holder of procuration who is authorised to sign alone
  • individual who is authorised to sign alone (authorised individual).

In addition to individuals with the official roles listed above, an individual or a company that has been granted the ‘Registering as a credit information reporter and user’ authorisation on Suomi.fi can perform the sign-up in the e-service. Lenders can grant and change authorisations as needed in the Suomi.fi e-Authorization service.

The Suomi.fi e-authorisation `Registering as a credit information reporter and user’ always applies both to applying for a data permission and to signing up as a data notifier. It cannot be limited to concern only one or the other. Lenders can use paper forms if needed.

Read more about granting authorisations (Suomi.fi)

An individual acting in the lender’s name identifies themselves in the Positive credit register’s e-service with their personal e-bank codes, mobile certificate or certificate card. Only individuals with a Finnish personal ID can identify themselves in the e-service.

The sign-up request can be submitted on a paper form by an individual who is authorised to sign for the lender or has the required authorisation, see chapter 3.4.

3.4 Attachments to the paper form

If the lender signs up on a paper form, various attachments must be enclosed with the form to verify the company and the right to represent the company. The documents must be original and certified in accordance with the legislation of the lender's home country. The attachments are sent to the Incomes Register Unit by post.

The documents may be in Finnish, Swedish or English.

Documents needed if the company is registered in Finland:

In the case of Finnish organisations, the Incomes Register Unit checks in authorities’ registers, such as the Trade Register, who has the right to represent the organisation. If the right of representation is not indicated in Finnish authorities’ registers, documents proving the right of representation, such as the rules of the organisation, must be enclosed with the request.

If the sign-up is performed by an individual or company authorised by the lender, then an authorisation must be enclosed with the request. The authorisation must state at least the authorising party’s information (lender’s name and Business ID), the authorised party's information (name and Finnish or foreign personal ID), and what the authorisation concerns. The authorisation must be signed by someone who is authorised to sign for the lender.

Documents needed if the company is not registered in Finland:

In addition, the register documents of organisations not registered in Nordic countries must be validated (e.g. Apostille).

If the organisation's rights of representation are not stated in the foreign register extract, the organisation must provide sufficient, certified documentation to show the rights of representation.

The sign-up with a paper form can also be performed by an individual or a company authorised by the lender. In that case, an authorisation must be enclosed with the sign-up request. The authorisation must state at least the authorising party’s information (lender’s name and foreign business ID), the authorised party's information (name and Finnish or foreign personal identity code), and what the authorisation concerns. The authorisation must be signed by someone who is authorised to sign for the lender.

3.5 Processing the sign-up request and communicating the decision

When signing up, the lender must provide the Incomes Register Unit with information on their actual activities and submit the information required for the introduction of APIs.

The Incomes Register Unit processes the sign-up request and may ask the lender for additional information. If possible, the request for additional information is emailed to the contact person for sign-up specified by the lender, and a response must be provided within a certain time limit. The lender may request an extension to the time limit, if needed.

When the sign-up has been processed and any additional information considered, the lender receives a decision from the Incomes Register Unit on establishing connections. The decision is sent by post or email to the address indicated at ‘Notification channel’ in the request. You can also see in the e-service whether the sign-up request has been accepted or rejected.

If the sign-up is accepted, the lender is granted a certificate. The lender will need the certificate to identify themselves to use the APIs for reporting data. Separate instructions are available on how to retrieve and use the certificate. You can find a link to the instructions at the beginning of this document.

The decision can be appealed. Instructions for appeal are enclosed with the decision.

Lenders whose sign-up requests have been approved are listed on the Positive credit register's website. The lenders’ names and Business IDs or foreign business IDs are shown.

Starting 1 August 2025, the Incomes Register Unit processes sign-up requests received from lenders that will start reporting loans granted to natural persons other than consumers on 1 December 2025. Organisations signing up by 31 October 2025 will receive a decision on their sign-up request no later than on 1 December 2025, which is when the reporting begins.

If the credit stock of a lender that has previously signed up as a data notifier contains or will contain loans granted to natural persons other than consumers on or after 1 December 2025, they must sign up as a data notifier by submitting a change notification regarding their previous sign-up in accordance with chapter 5 of these instructions. After the change notification has been processed, the lender will be notified that the change has been entered in the records. In this case, the Incomes Register Unit does not issue a new decision on opening API access for the reporting of data; instead, the lender continues reporting by using the certificate previously issued to them.

4 How to fill in the sign-up form

This chapter provides detailed instructions on how to fill in the sign-up form. The form asks for information about the lender and its business activities. The form refers to lenders as organisations, and the word organisation is therefore also used in this chapter.

The required questions on the form are marked with an asterisk (*). The summary view that opens when you have filled in the form contains a free-text field where you can give additional information.

The e-form cannot be saved as unfinished, so you cannot continue to fill it in later. The e-form has a 4-hour timeout. If you have the form open in your browser window for more than 4 hours without that you submit it, the session ends and the information you have entered is cleared.

4.1 Description of activities

Below you can see the questions presented under ‘Description of activities’ on the form.

Options:

  • Yes
  • No

If the answer is Yes, then the following question is presented: ‘Which of the categories of obliged entities listed in the Act on the Financial Supervisory Authority does your organisation belong to?’

Seven options are available:

  • Authorised supervised entities (section 4, subsection 2), excluding credit servicers under section 4, subsection 2, paragraph 7
  • Credit servicers (section 4, subsection 2, paragraph 7)
  • Supervised entities comparable to authorised supervised entities (section 4, subsection 3)
  • Other supervised entities (section 4, subsection 4)
  • Finnish branches of foreign EEA-supervised entities (section 4, subsection 5)
  • Foreign supervised entities providing services in Finland without a branch (section 4, subsection 5)
  • Lenders or loan brokers entered in a register according to the Act on the Registration of Certain Credit Providers and Credit Intermediaries (section 5, paragraph 40).

If the answer is No, then you must answer the following question: ‘Is the organisation a business that is established in Finland or another EEA country and grants loans to natural persons other than consumers?’

Options:

  • Yes
  • No

If the answer is No, then you must answer the following question: ‘Is the organisation a reassignee to which the lender’s rights arising from a loan contract have been transferred?’

Options:

  • Yes
  • No

If the answer is No, then you must give ‘other grounds on the basis of which the organisation is obliged to report data to the Positive credit register’ in the free-text field.

Options:

  • Yes
  • No

Options:

  • Yes
  • No

Options:

  • Yes
  • No

Options:

  • Yes
  • No

If the answer is Yes, then three additional questions will be presented:

  • Do you collect interest or other charges on them by agreement?
    • The options available are Yes and No.
  • Are all these loan contracts such that, according to them, a natural person has the right to pay the price of a continuously supplied commodity in instalments during the period of validity of the contract (e.g. electricity contracts, water)?
    • The options available are Yes and No.
  • Are all these loan contracts such leasing or other contracts under which goods are transferred to a natural person’s control and according to the terms and conditions of which the cash price and loan expenses of the goods will be paid during the lease period or the natural person can otherwise become the owner of the goods at the end of the contract?
    • The options available are Yes and No. Answer Yes if the organisation grants only loan contracts of the type specified in the question (e.g. business leasing).

Options:

  • Yes
  • No

If the answer is Yes, then three additional questions will be presented:

  • Do you collect interest or other charges on them by agreement?
    • The options available are Yes and No.
      In this case, interest and charges do not refer to late-payment interest or charges related to late payment.
  • Are all these loan contracts such that, according to them, a natural person has the right to pay the price of a continuously supplied commodity in instalments during the period of validity of the contract (e.g. electricity contracts, water)?
    • The options available are Yes and No.
  • Are all these loan contracts such leasing or other contracts under which goods are transferred to a natural person’s control and according to the terms and conditions of which the cash price and loan expenses of the goods will be paid during the lease period or the natural person can otherwise become the owner of the goods at the end of the contract?
    • The options available are Yes and No. Answer Yes if the organisation’s credit stock contains only loans of the type specified in the question (e.g. business leasing).

The person filling in the form enters the exact date on which the organisation intends to start reporting data to the register. Give the date in format dd.mm.yyyy.

4.2 Contact information

You are asked for the following contact information when you sign up:

  • details of the contact person for sign-up
  • details of the contact person for content
  • details of the contact person for technical matters
  • details of the technical contact person for certificates
  • details of the notification channel.

At least the following information must be reported on each contact person:

  • name
  • telephone number in international format
  • email address.
    • The details of all other contact persons except the technical contact person for certificates can include a second email address, such as a distribution list or a shared mailbox, as well as a personal email address. All messages sent to the contact person will then also be sent to the second address.

You can enter the details of the same person in multiple fields, if needed. After the sign-up, you can edit the details of the contact person for content and the contact person for technical matters on the Invoicing and contact information tab in the e-service.

Contact person for sign-up

The contact person for sign-up gives additional information regarding the organisation’s sign-up request, if needed. Any requests for additional information needed for the processing of the sign-up request will be sent to them by email.

The Incomes Register Unit will also be in touch with the contact person regarding the reporting of the existing credit stock. The decision on establishing connections will be sent to the notification address stated at the end of the form.

Contact person for content

The contact person for content provides additional information about the content of the reports submitted by the organisation. They are familiar with the register’s data content and APIs. The Incomes Register Unit sends the contact person requests for additional information regarding the controlling of the signing up.

Contact person for technical matters

The contact person for technical matters answers questions about the information security and the technical functionality of reporting and provides additional information in the case of technical problems.

Technical contact person for certificates

The Incomes Register Unit grants a certificate for the use of APIs to each organisation reporting data to the register. The technical contact person for certificates receives the information and instructions for retrieving the certificate. Their telephone number must be a number to which text messages can be sent: the number is needed to receive the secure email message regarding the retrieval of the certificate. Once the certificate has been retrieved, the number will not be contacted again.

Notification channel

The person filling in the form must select one of the following delivery methods for the decision:

  • by secure email
    • If you select delivery by secure email, you must enter the email address in which you want to receive the decision. To that email address, we will send you a secure message containing a link through which you can download the decision.
  • by letter post
    • If you select delivery by letter post, you must enter the postal address in which you want to receive the decision.

You cannot select both the above delivery methods. The decision will not be delivered to the e-service.

Language of notification

Here you select the language in which you want to be notified. The alternatives are Finnish and Swedish.

You can find more information about the decision and appeal in chapter 3.5 of this document.

4.3 Submitting the sign-up request

Before submitting the sign-up request, the person filling in the form will see a summary view of all the information entered on the sign-up form. At the end of the summary, you can enter additional information about the organisation’s sign-up or its contact persons, for example. You do not need to give any additional information if you have entered all the relevant information on the form.

Before submitting the form, recheck the details. If you want to edit the information you have entered on previous pages, click Previous. Clicking Previous will not clear the answers you have already given.

The information given on the form will be saved in the e-service. If you need the information later, you can view the submitted form in the e-service.

When all the required information has been entered and checked, the person filling in the form can send the sign-up request to the Incomes Register Unit by clicking Submit.

4.4 Sign-up status

When the sign-up request has been successfully submitted, the status in the e-service changes to Received. If the status does not change within a few seconds, the sign-up request has not been received. The e-service shows the name of the person who submitted the sign-up request and the date on which the request was submitted.

Once the sign-up request has been sent, you can submit a change notification in the e-service. For more information about filling in the change notification form, see chapter 5.

The change notification is for

  • adding details to a submitted sign-up request
  • cancelling the sign-up request.

When the Incomes Register Unit accepts the sign-up request, the status in the e-service changes to Accepted. The sign-up status changes to Rejected if the Incomes Register Unit rejects the sign-up request. The sign-up status changes to Rejected if the Incomes Register Unit decides not to examine the sign-up request or if you cancel the sign-up request yourself.

4.5 Updating the contact information

The organisation must check their contact information regularly and update the details as needed.
Organisations can edit the following contact information on the Invoicing and contact information tab in the Positive credit register’s e-service:

  • contact person for content
  • contact person for technical matters.

Contact details of the technical contact person for certificates can be updated in the Tax Administration’s certificate service.

5 Instructions for filling in the change notification

You can use the change notification form if changes taking place in the data notifier's activities affect its obligation to submit reports or if information previously given on the sign-up form needs to be edited. The reporting obligation may change, for example, if the organisation sells its credit stock, if its company form changes, if a merger takes place or if the organisation terminates its activities.

You can also use this form if the credit stock of a lender that has previously signed up as a data notifier contains or will contain loans covered by the reporting obligation and granted to natural persons other than consumers on or after 1 December 2025.

5.1 Change to activities

The first question on the change notification form is an open field where you are asked to describe the change in detail and specify the time when the change will take effect. The response depends on the change reported.

See below for a description of the most common cases in which a change notification must be submitted. The most relevant information that you must report on the form is also listed.

The reporting obligation expands on 1 December 2025

If API access has been previously opened for the organisation for the reporting of consumer credits to the Positive credit register, a change notification must be submitted if the organisation also grants loans, deferred payments or other financial arrangements covered by the reporting obligation to natural persons other than consumers on or after 1 December 2025.

In the notification, the organisation must give the information specified below.

  • Are the loans in your credit stock on or after 1 December 2025 loans as referred to in chapter 2.2.3 of these instructions, i.e. loans that have been granted to natural persons other than consumers and that you are required to report to the Positive credit register?
    Enter the information asked in question 1.6 (and the additional questions) in chapter 4.1 on loans granted to natural persons other than consumers.
  • Also state whether any other changes affecting the obligation to report data under section 16 of the Act on the Positive Credit Register have been made in the organisation’s activities after the previous decision on the opening of API access. Such changes include changes in the nature of the organisation’s activities, control of the activities and the obligation to register. Describe the changes and when they took place as accurately as possible.
    If the activities continue unchanged in other respects, you can state that no other changes affecting the organisation’s reporting obligation have taken place.

Change to the organisation’s activities

Also submit a change notification if changes affecting the organisation's reporting obligation take place: for example, if your credit stock subject to the reporting obligation is sold, your company form is changed, if there is a merger or demerger, or if your activities are terminated. A change to activities and its impacts on the reporting obligation must be described as accurately as possible in the open text field on the change notification form. Also specify when the change takes effect.

More detailed instructions on how to report the above changes are provided in the instructions for lenders on changes in business activities.

Adding data to previously submitted form

If the change notification concerns a previously submitted sign-up request or change and the matter has not yet been resolved, you can make additions to your previous sign-up request or change notification in this field. You can also use the form to cancel a previously submitted sign-up request or change notification.

5.2 Contact person for changes

You must give at least the following information about the contact person for changes:

  • name
  • telephone number in international format
  • email address.
    • In addition to a personal email address, you can also submit a second email address for the contact person, such as a distribution list or a shared mailbox. All messages sent to the contact person will then also be sent to the second address.

The contact person for changes provides additional information about the change notification, if needed. Any requests for additional information needed for the processing of the change will be sent to them by email.
The Incomes Register Unit can also be in touch with the contact person regarding the reporting of the existing credit stock. A notification regarding the solution will be sent to the notification address requested at the end of the form. Please note that the details of the contact person for changes are not saved in the organisation’s information but will be used only as long as the change is processed.

Notification channel

The person filling in the form must select one of the following delivery methods:

  • by secure email
    • If you select delivery by secure email, you must enter the email address in which you want to receive the solution. To that email address, we will send you a secure message containing a link through which you can download the details on the solution.
  • by letter post
    • If you select delivery by letter post, you must enter the postal address in which you want to receive the solution.
      You cannot select both the above delivery methods. The solution will not be delivered to the e-service.

Language of notification

Here you select the language in which you want to be notified of the solution. The alternatives are Finnish and Swedish.

5.3 Submitting the change notification

Before submitting the change notification, the person filling in the form will see a summary view of all the information entered on the form. You cannot submit any additional information at the end of the summary: all the information needed to process the matter must be entered in the text field of the change notification.

The person filling in the notification must recheck the details entered. If you want to edit the information you have entered on a previous page, click Previous. Clicking Previous will not clear the answers you have already given.

When you have filled in and checked all the information, send the change notification to the Incomes Register Unit by clicking Submit.

The information given on the form will be saved in the e-service. If you need the information later, you can view the submitted form in the e-service.

5.4 Status of change notification

When the change notification has been submitted and saved successfully, its status in the e-service changes to Received. If the status does not change within a few seconds, the change notification has not been received. The e-service shows the name of the submitter and the date on which the change notification was submitted.

Page last updated 5/9/2025