Rollout of the Positive credit register
The content of the Positive credit register will be expanded in the second stage of the register’s rollout. In future, data on loans granted to natural persons other than consumers will also be included in the register.
- In the first stage, consumer credits and loans comparable to them have been reported to the register.
- In the second stage, lenders will also start reporting loans granted to private individuals other than consumers, such as loans granted to private businesses.
The schedules and content of the second stage rollout are shown below.
Signing up and requesting data permissions as of 1 August 2025
Starting 1 August 2025, lenders that will report data on loans granted to natural persons other than consumers can sign up as data notifiers.
Starting 1 August 2025, lenders using credit register extract data when granting loans to natural persons other than consumers can also apply for data permissions.
We will publish instructions on how to sign up and apply for a data permission in spring 2025.
E-service for organisations
As of 1 August 2025, organisations can use the e-service
- to sign up as notifiers of other than consumer credits
- apply for data permissions
- maintain contact information.
Reporting data as of 1 December 2025
On 1 December 2025, lenders start reporting loans granted to natural persons other than consumers to the register.
- Read the instructions: Reporting data to the Positive credit register as of 1 December 2025
Content of the credit register extract
When the reporting begins, the reported loan data will be immediately included in credit register extracts. In addition, the data will be shown in the e-service for private individuals. Authorities will also have access to this data.
Changes to APIs
The new content and its use will also bring changes to the register's APIs starting 1 December 2025.
Changes will be made to the following APIs:
- New loans
- Changes to loans
- Checking loan data
- Request for a credit register extract.
Requesting credit register extracts with new purposes of use as of 1 April 2026
On 1 April 2026, lenders start using the register’s data when they grant loans to natural persons other than consumers.
- Read the instructions: Sharing information from the Positive credit register as of 1 April 2026
Credit register extract’s new purposes of use
When a lender requests a credit register extract about a loan applicant's data, the purpose of use of the extract must be specified in the request. On 1 April 2026, four new purposes of use will be introduced:
- New loan contract for a person other than a consumer (NewLoan)
- Increase of the loan principal or credit limit of a loan granted to a person other than a consumer (IncreaseOfLoanPrincipalOrCreditLimit)
- Change to the terms of a loan granted to a person other than a consumer (ChangesToTerms)
- Guarantee or third-party security for a loan granted to a person other than a consumer (GuaranteeOrThirdPartyPledge).
Stakeholder cooperation
We work in close cooperation with our stakeholders both during and after the rollouts. For example, we organise stakeholder events and communicate with the stakeholders by email and in other ways necessary. Read more about stakeholder cooperation:
Readiness assessments
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. Preparedness 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.
Stakeholder testing
Stakeholder testing has an important part in rollout preparations. The stakeholder testing of the second stage begins on 3 March 2025. We recommend that you start testing as early as possible. Read more: