Stakeholder testing

During stakeholder testing, lenders test the reporting of data and the requesting of credit register extracts. Authorities and credit information companies, in turn, test the requesting of data.

Each stakeholder tests the APIs they will use when the register moves to production. When testing the APIs, the stakeholders can also ensure that their own systems and processes work in the appropriate manner.

The data used in testing may not be connectable to natural persons or their data. Personal identity codes or other data that can be connected to natural persons may not be sent as test data under any circumstances: the test data must always be anonymised.

Read more in the instructions for stakeholder testing.

Stakeholder testing in the second stage of the register

In the first stage, consumer credits and loans comparable to them have been reported to the register. In the second stage, starting 1 December 2025, lenders also start reporting loans granted to individuals other than consumers. Such loans include loans granted to private businesses.

Important dates in the second stage:

• Reporting of data begins on 1 December 2025.
• Utilisation of credit register extracts begins on 1 April 2026.

Prepare for the second stage carefully. Study technical documentation, such as the API descriptions of the second stage.

In addition to technical instructions, also read instructions on how to report and request data. The instructions will be updated with information regarding the second stage as the project progresses.

The contents of the second stage will be made available for testing before the rollout:

• Testing of the reporting of data can be tested as of 3 March 2025.
• Testing of the requesting of data can be tested as of 5 May 2025.

We will update the instructions on stakeholder testing with information relevant to the second stage in January 2025 at the latest.

API addresses to the testing environment

Reporting data:

New loans: https://api-testi.positiivinenluottotietorekisteri.fi/AddLoans

Changes to loans: https://api-testi.positiivinenluottotietorekisteri.fi/UpdateLoans

Payment transactions: https://api-testi.positiivinenluottotietorekisteri.fi/Repayments

Delayed amounts: https://api-testi.positiivinenluottotietorekisteri.fi/DelayedRepayments

End of loan contract: https://api-testi.positiivinenluottotietorekisteri.fi/TerminateLoans

Batch status inquiry: https://api-testi.positiivinenluottotietorekisteri.fi/GetBatchStatus

Checking loan data: https://api-testi.positiivinenluottotietorekisteri.fi/GetLoan

Requesting data

A request for a credit register extract  https://api-testi.positiivinenluottotietorekisteri.fi/GetCreditRegisterExtract

Service breaks

Testing of a service break: https://api-testi.positiivinenluottotietorekisteri.fi/Servicebreak

Authorities and credit information companies will receive the API addresses separately.

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