In September 2017, the Ministry of Justice requested views on the processing and use of positive credit ratings. In its statement (in Finnish), the FCCA supported an investigation into the benefits and challenges of different alternatives to implement the use of positive credit information. The investigation should review the use of positive credit ratings for the prevention of consumer over-indebtedness and chart tools that credit granters could use to evaluate the credit ratings of applicants and that consumers could use to compare granters of credit.
The FCCA also drew attention to the fact that positive credit ratings can increase transparency in the loan market by equalising the information available to the various parties. The disclosure of positive credit ratings to other credit granters could create a counter-force to major credit granters on the loan market and enable the entry of new granters of credit.