As of 12 May 2025, users who sing in to authorities’ e-services, such as the Positive credit register, using strong identification will be prompted to activate Suomi.fi Messages. More information on activating Suomi.fi Messages is available on Digital First project | Digital and Population Data Services Agency.

Documentation

In this section, you can find technical instructions regarding the register, such as API descriptions, processing rules and general instructions for software developers.

What do the first stage and second stage of the register mean?

In the first stage, the register was launched, and the first stage in now in production. In the first stage, lenders started reporting consumer credits and loans comparable to them to the register.

In the second stage, as of 1 December 2025, lenders also start reporting loans granted to private individuals other than consumers, such as business loans granted to private individuals. Preparations for the second stage are in full swing, and stakeholder testing has started. Read more about testing on the Stakeholder testing page.

Production documentation

Currently used documentation of the production environment: API descriptions, processing rules and error codes, message examples, schema descriptions.

Second stage documentation

Second stage documentation: API descriptions, processing rules and error codes. Will be updated during spring 2025.

General instructions

General instructions for software developers, describing the preconditions and system requirements for the register’s technical API.

See also how wage and benefit information retrieved from the Incomes Register is calculated for purposes of the credit register extract:

Upcoming changes

Upcoming changes, other than those of the second stage:

Page last updated 4/25/2025