Compliance Radar
Who was sanctioned, and for what?
Fines, court rulings and incidents from Europe and North America: 756 cases from 32 jurisdictions, each with an official source and checked against that source before publication. Filter by country, area of law and sector. Click a chart to drill down one level.
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Where?
by authority- Finantsinspektsioon (Estnische Finanzaufsicht) €410,000 100 % · 4 cases
What for?
by topic- no topic €400,000 98 % · 3 cases
- Misleading advertising and pricing €10,000 2 % · 1 case
Who?
by sectorAll sectors
When?
per quarter, by date of decision| Period | Cases | Total |
|---|---|---|
| Q3 2023 | 0 | — |
| Q4 2023 | 0 | — |
| Q1 2024 | 0 | — |
| Q2 2024 | 0 | — |
| Q3 2024 | 0 | — |
| Q4 2024 | 1 | €10,000 |
| Q1 2025 | 0 | — |
| Q2 2025 | 2 | €400,000 |
| Q3 2025 | 0 | — |
| Q4 2025 | 1 | — |
| Q1 2026 | 0 | — |
| Q2 2026 | 0 | — |
| Q3 2026 | 0 | — |
4 cases
14 Oct 2025 AS Inbank FinanceOrder against Inbank Finance over deficiencies in creditworthiness assessment Order
During an inspection, the Finantsinspektsioon (Estonian Financial Supervision Authority) found that Inbank Finance’s internal rules on assessing the creditworthiness of consumers did not fully comply with the law and that the assessment itself showed deficiencies. It issued an order requiring the company to remedy the deficiencies by mid-December. Date = publication.
Creditworthiness assessments must be documented, rule-based and actually applied in day-to-day business.
Responsible lending in sales
- Authority / court
- Finantsinspektsioon (Estnische Finanzaufsicht)
- Area of law
- Consumer protection and online retail
- Legal basis
- Gesetz über Kreditgeber und -vermittler (KAVS), verantwortungsvolle Kreditvergabe
- Action
- Order
- Status of proceedings
- unknown
- Sector
- Financial services and insurance
- Published
- 14 Oct 2025
- Finantsinspektsioon tegi AS-ile Inbank Finance ettekirjutuse (14.10.2025) Press release of an authority
Checked against the official source on 25 Sep 2026 · Direct link
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11 Jun 2025 Svea Finance AS200,000 EUR fine against Svea Finance over deficient creditworthiness assessment €200,000
Between December 2023 and February 2024, Svea Finance’s internal rules on consumer lending did not comply with the law (50,000 EUR), and the company concluded credit agreements without assessing all prescribed creditworthiness components (150,000 EUR). Fines totalling 200,000 EUR for two misdemeanours. Date = publication.
Creditworthiness assessments must cover all factors prescribed by law – gaps in internal policies are sanctioned separately.
Responsible lending
- Authority / court
- Finantsinspektsioon (Estnische Finanzaufsicht)
- Area of law
- Consumer protection and online retail
- Legal basis
- § 98 Abs. 2 und § 99 Abs. 2 KAVS
- Action
- Fine
- Status of proceedings
- unknown
- Sector
- Financial services and insurance
- Published
- 11 Jun 2025
- Finantsinspektsioon trahvis Svea Finance AS-i kokku 200 000 euroga (11.06.2025) Press release of an authority
Checked against the official source on 25 Sep 2026 · Direct link
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30 Apr 2025 Bondora ASBondora must pay 200,000 EUR for breaching responsible lending rules €200,000
From 6 December 2023 to 24 February 2024, Bondora concluded consumer credit agreements without assessing all criteria provided for by law and satisfying itself of the borrowers’ ability to repay. In misdemeanour proceedings, the Finantsinspektsioon (Estonian Financial Supervision Authority) imposed 200,000 EUR. Date = publication.
Automated credit decisions do not release lenders from the full statutory creditworthiness assessment.
Responsible lending
- Authority / court
- Finantsinspektsioon (Estnische Finanzaufsicht)
- Area of law
- Consumer protection and online retail
- Legal basis
- § 99 Abs. 2 KAVS
- Action
- Fine
- Status of proceedings
- unknown
- Sector
- Financial services and insurance
- Published
- 30 Apr 2025
- Finantsinspektsioon trahvis Bondora AS-i 200 000 euroga (30.04.2025) Press release of an authority
Checked against the official source on 25 Sep 2026 · Direct link
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3 Dec 2024 Salva Kindlustuse ASSalva Kindlustus: 10,000 EUR for motor insurance advertising without mandatory notice €10,000
Through Europark Estonia, the insurer placed advertising for motor third-party liability insurance that lacked the statutory notice referring to the insurance terms, and incorrectly stated on policies that the contracts had been concluded through a registered insurance agent. Fine of 10,000 EUR. Date = publication.
Anyone using distribution partners for advertising and concluding contracts must itself check their mandatory disclosures and registration.
Mandatory disclosures in financial advertising; management of distribution partners
- Authority / court
- Finantsinspektsioon (Estnische Finanzaufsicht)
- Area of law
- Consumer protection and online retail · Misleading advertising and pricing
- Legal basis
- § 254 Abs. 2 KindlTS (Versicherungstätigkeitsgesetz); Werbegesetz
- Action
- Fine
- Status of proceedings
- unknown
- Sector
- Financial services and insurance
- Published
- 3 Dec 2024
- Finantsinspektsioon trahvis Salva Kindlustuse AS-i 10 000 euroga (03.12.2024) Press release of an authority
Checked against the official source on 25 Sep 2026 · Direct link