Reporting of data
On this page, you will find up-to-date information on how the reporting of loans to the Positive credit register progresses. The total euro amount of the loans reported to the register is compared with the Bank of Finland's statistics, according to which the stock of credit granted to Finnish households totals around € 143 billion. We update the percentage of the reported euro amount in relation to the reference figure on Mondays and Thursdays every week. The total amount of loans reported to the Positive credit register differs from the data provided by the Bank of Finland because the register will also contain loans that are not included in the Bank of Finland’s data.
The loan amount reported to the register (of the expected €143 billion):
- No changes (status 18.4.2024)
- 105,9 % (status 15.4.2024)
- 105 % (status 11.4.2024)
- 104,8 % (status 8.4.2024)
- 103,9 % (status 4.4.2024)
- 103,3 % (status 1.4.2024)
- 100 % (status 28.3.2024)
- 90 % (status 25.3.2024)
- 69,7 % (status 21.3.2024)
- 31,2 % (status19.3.2024)
Please note that although the amount of loans in the register has reached the Bank of Finland’s estimate of the total stock of credit in euros, not all loan contracts have been reported to the register yet so the reporting continues.
Missing information
On 1 April, some data is still missing from the register. Some lenders have not yet reported any loan contracts to the register. These lenders are listed below. Other lenders have reported some of their loan contracts to the register. We call for patience regarding private individuals’ missing loan data. The missing data is likely to be reported to the register in April. We will give more detailed information when we learn more about the missing loans. Private individuals can ask about their missing loan data from their lenders.
The following lenders with the reporting obligation have not yet reported any loans to the register:
American Express Europe, S.A. (Suomen sivuliike), 2914139-2
Avida Finans AB (publ), filial i Finland, 2541768-9
Nanolaina OY, 2302535-8
Nordiska kreditmarknadsaktiebolaget (publ), 556760-6032
Oy Aurum Contactor Ltd, 0929164-1
PlusPlus Capital Oy, 3016412-9
Refinance Ab Oy, 3280767-7
Sandvik Eläkesäätiö, 0211670-1
St1 Finance Oy, 2789887-7
UBS Europe SE, Luxembourg Branch B209123
Valion Eläkekassa, 0200012-7
Vartanet Deranax Oy, 2230386-2
Voima Gold Financing Oy, 3182353-6
When a lender with the reporting obligation starts reporting loan contracts to the register, their name will be removed from the above list. The list is updated on business days.
Data notifiers
Use the search field below to find organisations that have successfully signed up for the Positive credit register as data notifiers.
Search for data notifiers by entering at least three letters in the search field. The list of search results will show the following information on the data notifier: the company's official name, Business ID and sign-up status.
Please note that the search function finds lenders only by their official names. Lenders may also market their loans using marketing names that are different from their official names. You can check the lender's official name and marketing name with your lender. Later you can also check them in your loan information in the Positive credit register's e-service.