Who are we?
Finantsinspektsioon is an independent financial supervision and resolution authority in Estonia with responsibility for state financial supervision over companies operating in the Estonian financial market under an authorisation, including banks.
Finantsinspektsioon prioritises the sustainability of the critical functions of the banks during crises.
The assets of depositors, investors and other clients need to be properly protected.
Who do we supervise?
Finantsinspektsioon carries out state supervision over market participants that it has issued a licence to.
The banks operating in Estonia that come under the Single Supervisory Mechanism of the European Central Bank are LHV Pank, SEB Pank, Swedbank and Luminor.
Supervision over branches of banks, insurance companies and investment funds operating in Estonia is exercised by the supervision authority of the country of origin of the branch.
Finantsinspektsioon starts work
2002
Work becomes based around supervising capital and services
2005
Finantsinspektsioon joins the European single supervisory mechanism (SSM)
2014
Finantsinspektsioon takes responsibility for crisis resolution
2015
Creditors and credit intermediaries come under supervision
2016
Crowdfunding comes under the supervision of Finantsinspektsioon
2023
Debt collection agencies come under supervision
2024/2025
Crypto companies come under the supervision of Finantsinspektsioon
2025
Strategy for 2022-2025
The Finantsinspektsioon strategy focuses on digital skills, environmental sustainability, maintaining financial stability, and protecting the interests of clients and investors.
Finantsinspektsioon encourages technological innovation to help the market function more efficiently.
Vision
A digitally skilled and efficient Finantsinspektsioon.
Mission
We maintain confidence in the financial market.
Values
Certain. Professional. Creative.
The Finantsinspektsioon staff are a good balance of dedicated top-level experts with long experience and young specialists who have arrived in the past few years as the organisation has grown.
Our main action points
A creative, environmentally sustainable and digitally skilled Finantsinspektsioon is an efficient financial supervision and resolution authority
Finantsinspektsioon protects the interests of clients and investors to strengthen overall confidence in the financial market
Finantsinspektsioon maintains stability in the financial markets so that more value added can be created in the economy
Finantsinspektsioon encourages technological innovation to help the market function more efficiently
We assess whether people are fit to operate in the financial sector
Finantsinspektsioon assessed in 2025 whether a total of 279 people were fit and proper to operate in the financial sector or to own a qualifying holding in companies in the sector.
279 assessments
202 positive decisions
We issue precepts
Finantsinspektsioon issued 4 precepts in 2025
We publish investor alerts or warnings
Finantsinspektsioon publishes investor alerts on its websites that are intended to warn the public about financial services being provided without authorisation or other breaches of the law governing the financial sector or suspected breaches.
www.fi.ee the number of alerts issued
We respond to client complaints
Finantsinspektsioon takes complaints into account when planning its supervisory work, draws the attention of market participants to any problems, if necessary, and issues recommended guidelines.
We work internationally
Finantsinspektsioon contributes to designing the financial supervisory policy of the European Union through three European supervisory authorities, which are the European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA), and the European Securities Market Authority (ESMA).
Finantsinspektsioon is also involved in international capital supervision, anti-money laundering and crisis resolution bodies and works in or with the ESRB, SSM, SRB, IAIS, IOSCO, BSCEE, NBMF, NBSG and AMLA.
We promote financial literacy
Finantsinspektsioon promotes public understanding of financial services and products. The consumer website run by Finantsinspektsioon gives independent information on financial services.
We have prioritised young people, the retired and debt counsellors in promoting financial literacy.
The greenest office
Finantsinspektsioon encourages environmentally sustainable behaviour from its staff
Finantsinspektsioon applies the principles of environmental sustainability in its work
The Finantsinspektsioon and Eesti Pank block was declared the best green office for 2022
