News

2/19/2026 Sergel Finans Oy’s certificate expired – gap in reporting

2/18/2026 Inaccuracies in credit card data reported by OP Pohjola have been corrected

2/13/2026 Credit register extracts may have contained inaccurate data in early 2026

2/9/2026 The incident affecting the processing of reported data has been corrected – the investigation of errors is ongoing

2/5/2026 An incident affecting the processing of reported data

2/2/2026 All loan data was recorded in the register – the data transmission problem concerned loans that had ended

2/2/2026 The Incomes Register’s liability for the accuracy of income data expands in 2027 – the change affects credit register extract data

1/30/2026 Changes to reporting APIs on 1 April 2026 – more improvements

1/29/2026 Some loan data not saved in the register

1/26/2026 Lender, request a data permission in good time: new data can be used starting on 1 April 2026

1/22/2026 Register became more established in its second year

1/16/2026 Reporting of loans granted to business name entrepreneurs and agricultural and forestry operators is progressing slowly

12/17/2025 New content to the credit register extract, the charge for the extract rises next year

12/10/2025 Apartment-specific credit liabilities of housing company loans to the register in 2027

12/5/2025 Nordea has reported an error in deletion of parties from joint-liability loans

12/2/2025 Starting June 2026, loans are registered as terminated when the borrower dies

12/2/2025 Improvements to reporting APIs 1 April 2026

12/1/2025 The reporting of data on loans included in the second stage of the Positive credit register has started – read our updated instructions

11/25/2025 New loan types to the Positive credit register starting in December

11/21/2025 Error situation with Bondora’s data updated to the register in October and November

11/5/2025 Customer experience survey 2025: The Positive credit register is considered reliable, but its usability would need improvement

11/3/2025 The period of signing up as a data notifier for the second stage of the register has ended; 167 lenders signed up

10/29/2025 Lenders – remember to renew your certificate

10/22/2025 Now is the time to become active in stakeholder testing and prepare for changes taking place on 1 December 2025

10/8/2025 Lender – remember to sign up as a notifier of second-stage loan data by 31 October 2025

9/19/2025 Service breaks in the Positive credit register in 2026

9/15/2025 Incorrect data in the register – what do I do?

9/2/2025 Check our updated web pages

9/1/2025 Share your thoughts about the Positive credit register – fill in our customer experience survey no later than 30 September 2025

8/29/2025 Ensure the continuity of your lending business – test the new features in time

8/28/2025 The Positive credit register website earns praise for clarity, up-to-dateness and usability – development will continue

7/29/2025 Lender – sign up as a data notifier for second-stage loans starting 1 August 2025

7/11/2025 An error with updating data to the register in June

6/18/2025 Updated version of instructions on reporting data available – get familiar with the instructions

6/18/2025 You can now make changes to cancelled credit

6/16/2025 The register expands in December – reporting of loans to business name entrepreneurs and agricultural and forestry operators will begin

6/11/2025 What does loan acceleration mean?

6/4/2025 We will continue to communicate about API changes in good time

5/12/2025 Lender – the rollout of the second stage is approaching, read the instructions

5/5/2025 You can activate Suomi.fi Messages when logging in to the register’s e-service

4/15/2025 Stage 2 stakeholder testing is in progress – now is time to start testing

4/10/2025 The Positive credit register celebrated its first birthday – the register’s development will continue and data content will expand in the future

3/28/2025 Register certificates for stakeholder testing are about to expire – remember to renew your certificate

3/24/2025 Changes to service breaks

3/3/2025 The stakeholder testing of stage 2 started today

2/17/2025 Voluntary bans on credits have nearly doubled due to recent data breaches

2/10/2025 The stakeholder testing of the second stage begins on 3 March 2025

2/5/2025 We updated the terms and conditions of use for stakeholder testing

2/3/2025 Study the instructions on the disclosure of information in stage 2

1/13/2025 Price of credit register extract falls at the beginning of the year

12/18/2024 Lender - you will be able to make changes to cancelled credit from 18 June 2025

12/18/2024 The register’s earnings payment data for around 6,700 people was inaccurate in October–November

12/10/2024 As the register's first year comes to an end, a look at what we have learned and what improvements we can still make

12/9/2024 Prepare for stakeholder testing regarding stage 2 of the Positive credit register

12/9/2024 Follow our communication on changes to interfaces

12/3/2024 Lenders find the register useful

11/29/2024 Our chat service to end at the end of the year

11/26/2024 Study the instructions on reporting data in the second stage

11/25/2024 "Zero income" in the credit register extract – why don't grants and a self-employed person's earned income show up in the extract?

11/11/2024 Deficient wage information on credit register extracts between October and November

10/21/2024 The error that generated false benefits payment data on credit register extracts has been corrected

10/15/2024 Incorrect benefit income data on credit register extracts

10/10/2024 Housing company loans will also be reported to the Positive credit register in the future

10/7/2024 Activate Suomi.fi Messages – receive a notification when a loan is applied for in your name

10/7/2024 Additional certificates of the Positive credit register will be ordered from the Finnish Tax Administration’s certificate service as of 9 October

10/1/2024 Tell us about your experiences with the Positive credit register – respond to our customer survey 18 October 2024 the latest

8/19/2024 The second stage of the register is in full swing – API descriptions for lenders are now available

6/17/2024 The register will be expanded – participate in our stakeholder event in September and study the instructions

6/10/2024 Voluntary ban on credits – how can it be set and what impact does it have?

5/27/2024 As a donee of a continuing power of attorney, you can use the e-service without separate Suomi.fi authorisation

5/24/2024 Wrongful requests for credit register extracts for 1,800 persons submitted

5/16/2024 Credit register extracts requested from the Positive Credit Register without relevant grounds

5/14/2024 Intensive first month of the register – less voluntary credit bans than expected

4/30/2024 Enter has been closed

4/30/2024 Incorrect customer data causing unjustified dates of death on credit register extracts have been corrected

4/25/2024 Are you wondering about the register’s information on your home loan or debt arrangement? – read about how your loans are saved in the register

4/22/2024 Unjustified dates of death on some customers’ credit register extracts

4/16/2024 Scam messages about the Positive credit register are circulating again

4/1/2024 The Positive credit register is now open – lenders will start using the register’s data when making credit decisions

3/19/2024 Data is being uploaded to the positive credit register – follow the progress on our website

2/20/2024 Private individual: If you have already granted Suomi.fi authorisations, please do it again

2/19/2024 Scam messages circulating about the positive credit register

2/14/2024 Subscribe to the system information bulletin – receive prompt information about service breaks and disruptions

2/13/2024 The positive credit register's website is being updated

2/7/2024 The Positive credit register will be launched in the spring – a voluntary ban on credits helps to fight over-indebtedness

2/5/2024 The reporting of loan data has started

1/23/2024 Lender: apply for a data permission as soon as possible – the processing takes longer than previously estimated

12/5/2023 245 lenders have signed up for the Positive credit register

11/13/2023 You still have time to sign up as a data notifier

10/25/2023 Data permission applications can again be submitted in the e-service

10/9/2023 Electronic submittal of data permission applications is temporarily interrupted – sign-up requests can be submitted as normal

10/2/2023 The Positive credit register’s e-service for lenders has opened 2 October

9/4/2023 The Positive credit register’s customer service is now open

9/1/2023 You can now start testing the requesting of data

8/1/2023 Signing up to test the requesting of data has started

6/1/2023 Testing of the reporting of data is ongoing

3/20/2023 New documents on the requesting of credit register extracts available

3/8/2023 You can now sign up for stakeholder testing

3/1/2023 New instructions on stakeholder testing now available

2/6/2023 New technical documents available

1/30/2023 Instructions on stakeholder testing are now available

12/16/2022 Reporting loan data – instructions and API description now available

7/8/2022 The act on the Positive credit register takes effect on 1 August 2022

6/1/2022 Finland looked to Europe for ideas on how to implement a positive credit register

3/11/2022 Loan information to be collected in a register – this is the Positive credit register

2/28/2022 Positive credit register's newsletter

11/18/2021 Stakeholders have seen the first version of the API description for lenders’ loan information

6/29/2021 Welcome to the website of the Positive credit register!

6/17/2021 The new legislation is not yet adopted