Lenders can now report second-stage loans to the register and use the loan data in consumer lending. The reporting will continue until 31 March 2026. Read more in the news article.

The e-service and credit register extracts will include loans granted to business name entrepreneurs for their business activities and loans granted to agricultral and forestry operators.

The second stage of the register

The Positive credit register has been launched, and its first stage is now in production. During the first stage, lenders have reported consumer credits and loans comparable to them to the register.

In the second stage, the register will expand: on 1 December 2025, lenders will also start reporting loans granted to private individuals other than consumers, such as business loans granted to private individuals. These loans are referred to as second-stage loans.

It is important to notice that data on second-stage loans will be reported directly to the register in production. This means that lenders granting consumer credits can use data on second-stage loans in consumer lending immediately as the data is reported. Lenders reporting second-stage loans must therefore make sure the reported data is of high quality, and they must be prepared to correct any errors without delay.

The second stage of the register affects lenders that already use the register, regardless of whether their activities are limited to consumer credits or whether they also have loans reportable in the second stage.

  • Lenders starting to submit reports in the second stage do not grant consumer credits or loans comparable to them. However, they grant loans to natural persons other than consumers or have such loans in their credit stock.

When the reporting of second-stage loans begins, it affects both lenders that report second-stage loans and lenders that do not report such loans but use credit register extracts.

The second stage will bring about changes to the register's APIs as of 1 December 2025. The changes may affect lenders' activities and require changes to their own technical implementations.

Changes will be introduced into the following APIs:

  • New loans API
  • Changes to loans API
  • Checking loan data API
  • Credit register extract API

Read more about the API changes at Second stage documentation.

Also read the general instructions for application developers and view the document describing the calculation of income data on the Documentation page.

Stakeholder testing is an important part of organisations' preparations for rollout. Stakeholder testing regarding the second stage is recommended for both new and old users of the register. 

  • All lenders requesting credit register extracts must make the required changes to their solutions for requesting credit register extracts and ensure, with stakeholder testing, that they are able to receive data on second-stage loans.
  • Lenders that have had the reporting obligation in the first stage must test the changes brought about by the reporting of loans in the second stage. In addition, it is advisable to perform regression testing in the reporting APIs, even if the organisation's own implementation will not change.

We recommend that you should start testing in good time. Read more:

We carry out readiness assessment surveys to monitor the stakeholders' readiness to start using the register. Based on the responses, we form an overall view of the stakeholders' degree of readiness. Readiness assessments related to the second stage started in September 2024. The plan is to send readiness assessment surveys to stakeholders

  • in January 2025
  • in May 2025
  • in September 2025
  • in January 2026.

Before starting to report loan data, lenders must sign up as data notifiers for the Positive credit register. The sign-up period is from 1 August to 31 October 2025. Sign up as a data notifier in the e-service for organisations. Read the instructions: Signing up to the Positive credit register as a data notifier.

  • If a lender that signed up as a notifier of consumer credits in the first stage also starts reporting second-stage loans to the register, the lender must report changes to its sign-up by filling in the change notification form.

Provisions on the obligation to sign up and report data are laid down in the Act on the Positive Credit Register (finlex.fi). Compliance with the reporting obligation is supervised by the Financial Supervisory Authority and the Regional State Administrative Agency for Southern Finland.

Second-stage loans, i.e. loans granted to natural persons other than consumers, are reported directly to the register in production. The reporting period is from 1 December 2025 to 31 March 2026. Data on second-stage loans will be immediately included in credit register extracts and be available to lenders that use credit register extracts in consumer lending.

  • Data on loans granted to natural persons other than consumers can be used in consumer lending immediately as the reporting of such loans begins, i.e. starting 1 December 2025.

In other words, lenders must be prepared to receive and use such data in consumer lending on 1 December 2025.

  • Study the description of the credit register extract API of the second stage on the Documentation page.

The second stage of the register affects lenders that already use the register, regardless of whether their activities are limited to consumer credits or whether they also have loans reportable in the second stage.

 

If a lender has loans granted to natural persons other than consumers in its credit stock, the loans must be reported to the register between 1 December 2025 and 31 March 2026. Continuous reporting of loan data (e.g. payment transactions) starts immediately as a loan has been reported to the register.

Please note that data on second-stage loans is reported directly to the register in production. This means that lenders granting consumer credits can use data on second-stage loans in consumer lending immediately as the data is reported. Lenders reporting second-stage loans must therefore make sure the reported data is of high quality, and they must be prepared to correct any errors without delay.

Fill in the start notification when you know the date when you will start reporting new loans to the register:

If there are several parties with the reporting obligation in your corporate group, you can fill in the start notification for one Business ID and report the date when the first one of your group’s obligated parties will start reporting loan data. When you are asked to specify the size of the credit stock, enter the combined size of the entire group’s credit stock.

After you have reported all or most of your current second-stage loans to the register, fill in the end notification:

If you are unable to report a small number of loans on account of technical problems, for example, you can fill in the end notification and explain in what respects the reported loan data is incomplete at Additional information.

The use of the register's data in other than consumer lending starts on 1 April 2026.

If a lender wishes to use credit register extracts in non-consumer lending starting 1 April 2026, it must apply for a data permission separately for that purpose. If the lender already has a valid data permission, it must apply for changes to it.

In the second stage, data permissions or changes to data permissions can be requested starting 1 August 2025. Lenders are advised to apply for a data permission in good time before they plan to start using the register's data.
Page last updated 9/19/2025