Finantsinspektsioon

Finantsinspektsioon, or the Estonian Financial Supervisory Authority, is the national independent public authority responsible for the supervision and regulation of Estonia's financial markets. Its mandate includes ensuring financial stability, market integrity, and consumer protection. The authority oversees a range of sectors, including banks and credit institutions, insurance and occupational pension funds, investment firms and services, and financial market infrastructure such as trading venues and operators of payment systems. It issues licences, registers entities, and sets requirements for licensing and conduct. It conducts on-site inspections and off-site monitoring of financial service providers, monitors compliance with laws and regulations, and enforces supervisory measures. When needed, Finantsinspektsioon can take corrective actions, impose sanctions, or revoke licenses.

The authority also provides information to consumers, answers inquiries, and handles complaints. It issues guidelines and supervisory plans, publishes annual reports and statistical data, and contributes to financial education. Finantsinspektsioon cooperates with other national authorities, the Government, and international bodies. Through participation in EU-wide supervisory frameworks, including ESMA, EBA, and EIOPA, it aligns with European standards and coordinates cross-border supervision of financial groups operating in Estonia. The organisation is based in Tallinn and operates under Estonian law and EU financial regulations. It plays a central role in Estonia's financial regulatory regime and in maintaining confidence in the financial system.