Investigation proposes new rules for over-indebted people

9 Mwezi wa saba, 2026

Imeripotiwa na AI

A government investigation wants to change the rules for debts handled by the Swedish Enforcement Authority. Payments should primarily reduce the principal amount owed.

The investigation SOU 2026:43 proposes a new payment allocation order for consumer claims. Payments should first reduce the capital debt and only in the last instance be applied to interest and fees.

Cecilia Hegethorn Mogensen, acting national enforcement officer, says around 100,000 people have had cases with the Enforcement Authority for 20 years or more. She refers to them as eternal debtors.

The debt restructuring period is proposed to be shortened from five to three years. The changes regarding debt restructuring are to enter into force on 1 July 2028 and the new allocation order on 1 January 2031.

Makala yanayohusiana

Group of young adults reviewing debt documents in a modest home, representing CAE loan defaulters.

Treasury official details that 70% of CAE defaulters are aged 29 to 37

16 Mwezi wa sita, 2026 Imeripotiwa na AI Picha iliyoundwa na AI

Hernán Nobizelli presented CAE collection figures to the Chamber’s Education Commission. Ninety percent of the 558,000 defaulters earn less than 1.5 million pesos a month.

New FI advice tightens credit checks for online shopping

Finansinspektionen has introduced new general advice that means stricter checks for consumers buying on credit online. The rules are proposed to take effect on 20 November 2026. The background is the EU Consumer Credit Directive.

Government offers up to four years to renegotiate debts

27 Mwezi wa nne, 2026 Imeripotiwa na AI

President Luiz Inácio Lula da Silva's government plans a new credit package allowing renegotiated debts to be paid over up to four years. The program, tentatively called Desenrola 2, covers credit cards, overdrafts and non-payroll personal loans. The announcement is expected by month's end.

America

Banco Nación launches loan to unify debts with terms up to 10 years

Europe

Smedjebacken, Sala and Uppsala first to link payments to payments authority

Europe

Person in Västerås ordered to repay 1.3 million kronor

Emcali eases payment agreements for debtors in Cali

Emcali in Cali has implemented changes to its payment agreements, making them more flexible for users with public service debts. The measures include full elimination of late fees and reduced interest rates for lower strata. The goal is to ease economic burdens and ensure service continuity.