- Individuals
- Licences, notices and applications
- Alcohol serving and sales
- Animals
- Animal breeding
- Animal health control
- Animal husbandry
- Animal shows and displays
- Animal transport authorisations
- Animal welfare certification
- Animal welfare violations
- Broiler stocking density notifications
- Contagious animal diseases
- Destruction of animals
- Laboratory animals
- Notifications relating to professional or large-scale keeping of animals
- Outdoor cattle grazing
- Wild animal farming
- Burials
- Corporate governance enforcement
- Education and culture
- Property development, housing and joint property management associations
- Real estate or letting agents
- Social welfare and health care
- Water and the environment
- Wealth and assets
- Work and occupational safety and health
- Guidance and advice
- Aerial forest fire surveillance
- Alcohol marketing
- Competition and consumer affairs
- Contagious animal diseases
- Coordination and enforcement of health care services for prisoners and the armed forces
- Customers’ rights
- Estate agents and letting agents
- Food control
- Free-range pigs and poultry
- Health protection
- Medicines
- Patients’ rights
- Restaurants and coronavirus
- Romani affairs
- Tobacco control and enforcement
- Water and the environment
- Wealth and assets
- Welfare and public health
- Challenging decisions
- Enforcement and reporting violations
- Licences, notices and applications
- Businesses
- Licences, notices and applications
- Alcohol serving and sales
- Animals
- Animal breeding
- Animal husbandry
- Animal health control
- Animal shows and displays
- Animal trade notices
- Animal transport authorisations
- Broiler stocking density notices
- Contagious animal diseases
- Destruction of animals
- Disinfection of livestock transport vehicles
- Disposal of water from animal transport vehicles
- Notifications relating to professional or large-scale keeping of animals
- Outdoor cattle grazing
- Private veterinary care provision
- Reindeer husbandry
- Wild animal farming
- Laboratory animals
- Burials
- Corporate governance enforcement
- Education and culture
- Property development, housing and joint property management associations
- Real estate or letting agents
- Social welfare and health care
- Tobacco sales
- Water and the environment
- Wealth and assets
- Work and occupational safety and health
- Guidance and advice
- Aerial forest fire surveillance
- Alcohol marketing
- Competition and consumer affairs
- Contagious animal diseases
- Coordination and enforcement of health care services for prisoners and the armed forces
- Estate agents and letting agents
- Food control
- Free-range pigs and poultry
- Medicines
- Quality assurance of social services
- Restaurants and coronavirus
- Rights and status of customers
- Rights and status of patients
- Water and the environment
- Romani affairs
- Wealth and assets
- Welfare and public health
- Self-regulation
- Enforcement and reporting violations
- Licences, notices and applications
- Government agencies
- Licences, notices and applications
- Guidance and advice
- Advice on the Finnish Health Protection Act
- Aerial forest fire surveillance
- Contamination of water supply
- Coordination and enforcement of health care services for prisoners and the armed forces
- Coordination of tobacco control
- Environmental health audits and consultancy
- Food
- Libraries
- Medicines
- Quality assurance of social services
- Rights and status of customers
- Rights and status of patients
- Romani affairs
- Veterinary medical care
- Water and the environment
- Welfare and public health
- Self-regulation
- Enforcement and reporting violations
- Customer service
Consumer credit marketing
Regional State Administrative Agencies can intervene in false advertising of consumer credit. You can let us know if you suspect that consumer credit is being advertised unlawfully.
Frequently asked questions
Email the registry of the competent Regional State Administrative Agency and explain your concerns in your own words. The competent Regional State Administrative Agency is the one in whose jurisdiction the lender operates. A link to the contact information of Regional State Administrative Agencies’ registries is provided at the bottom of this page.
Make sure to include information about the lender and the channels in which they have advertised. You can also append a copy of the advertisement or other evidence of the potentially unlawful marketing practice to your report.
Consumer credit refers to all forms of credit offered by businesses to consumers. Examples include
- credit cards,
- mortgages and student loans,
- instalment credit, and
- payday loans.
Consumer credit is provided by lenders such as banks and other financial institutions. Consumer credit can also be advertised or sold through brokers.
There are two main types of consumer credit: instalment credit and revolving credit. Lenders have a legal obligation to observe the relevant regulations and responsible lending practices in all aspects of the lender–debtor relationship. Lenders also have a responsibility to ensure that their advertisements, for example, include all the information that must be disclosed to consumers under the Finnish Consumer Protection Act.
We work together with the Finnish Competition and Consumer Authority to ensure the legality of consumer credit marketing and credit agreements. Regional State Administrative Agencies also keep a register of lenders and peer-to-peer loan brokers.
We can report lenders who fail to react to our warnings about non-conformances in their marketing practices to the Finnish Competition and Consumer Authority. The Finnish Competition and Consumer Authority can order a lender to discontinue an unlawful practice or risk being fined.
You should first contact the Consumer Advisory Service. You can find the contact information on the Finnish Competition and Consumer Authority’s website. Regional State Administrative Agencies mostly deal with the registration of lenders, and we do not have the authority to get involved in contractual disputes between consumers and lenders. We can, however, intervene in unlawful credit marketing.