laenujärelevalve
Laenujärelevalve refers to the regulation and supervision of lending activities to ensure the soundness of financial institutions, protect consumers, and maintain financial stability. In Estonia, laenujärelevalve is carried out by the Financial Supervisory Authority (Finantsinspektsioon) in accordance with national legislation and EU directives. The term also covers supervision of non-bank lenders such as consumer credit providers and fintech lenders that extend credit to individuals or businesses.
The key objectives are to ensure lenders have adequate capital and liquidity, robust governance and risk management,
Licensing is a fundamental component; lenders must meet authorized activity criteria and ongoing fit-and-proper standards. Supervisors
The regulatory framework is shaped by EU consumer credit directive and cross-border supervision under EU regulations,