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.

Impact of the second stage for all lenders

Below, all lenders will find important information about the second stage.

Also read the instructions on the second stage relevant to your own organisation:

API changes brought about by the second stage

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.

Start stakeholder testing in good time

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. API changes must be tested. You should also test to make sure that the current functions that will not change with the second stage are still working.

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

Participate in stakeholder events

We hold stakeholder events for lenders on a regular basis to discuss issues that are topical in the second stage and to provide practical guidance. The events give lenders an opportunity to ask questions and talk to the register's specialists.

You can find the schedule in the News section on the front page of our website, and on the Current information about the register page. If you are not sure whether you receive our invitations to your email, you can sign up for stakeholder work again on the sign-up form.

Answer our readiness assessment surveys

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.

Lenders starting to report in the second stage: Do you know what is expected from the register's new users?

These instructions are especially for lenders whose obligation to submit reports to the Positive credit register begins with the register's 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.

Reporting of second-stage loans begins on 1 December 2025

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.

Sign up as a data notifier between 1 August and 31 October 2025

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.

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.

Use of credit register extracts as of 1 April 2026 – apply for a data permission in good time

Lenders can use credit register extracts in other than consumer lending starting 1 April 2026.

Lenders wishing to use credit register extracts in other than consumer lending can apply for data permissions as of 1 August 2025. In order that a data permission could be granted, the lender must have the right to use credit register extracts under the Act on the Positive Credit Register.

Lenders are advised to apply for a data permission in good time before they plan to start using the register's data.

Through stakeholder testing, you can make sure you are able to report and request data

Perform stakeholder testing to make sure that

  • you can report loans to the register
  • you can correct data
  • you can request and receive credit register extracts.

Read more about the stakeholder testing of the second stage: Stakeholder testing

Lenders that started reporting in the first stage: Do you know how the second stage of the register will affect your activities?

These instructions are for lenders that have reported consumer credits or loans comparable to them to the register in the first stage or that use credit register extracts in consumer lending.

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.

Reporting of second-stage loans begins on 1 December 2025 – how does this affect lenders already using the register?

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.

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. Because of this, it is important that lenders reporting second-stage loans to the register make sure the reported data is of high quality and that they are prepared to correct any errors without delay.

When the reporting begins, it will also affect lenders that grant consumer credits but do not themselves report second-stage loans, because data on second-stage loans will also be included in credit register extracts as soon as it is reported.

Sign up as a notifier of second-stage loans by submitting a change notification

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. The change notification must be submitted between 1 August and 31 October 2025.

Prepare for changes in the content of credit register extracts

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.

Apply for a data permission in good time

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.

Stakeholder testing is recommended for all the register's current users

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.

Read more about the stakeholder testing of the second stage: Stakeholder testing

 

Page last updated 6/17/2025