Money laundering and bank and payment fraud

The plan requires that the power of financial capital be broken through regulation and increased democratic control, and in the long term wants to nationalize the banking system, which argues that the legislator, not the individual consumer, should bear the risk of unauthorized withdrawals. Evaluating the payment services regulation against fraud is in line with this, and the plan particularly wants people to be able to feel secure in old age. Bank-id is not mentioned in the plan.

• regulate banksdecisive»Finanskapitalets makt måste brytas genom regleringar och ökad demokratisk kontroll.« (party programme ↗)“The power of financial capital must be broken through regulation and increased democratic control.”
• societal responsibility for the banking system»På sikt bör bankväsendet i helhet förstatligas.« (party programme ↗)“In the long run, the banking system should be nationalized in its entirety.”
• security for the elderly»Du ska vara trygg när du blir gammal.« (2022 manifesto ↗)“You should be secure when you grow old.”

The election manifesto requires that money laundering is stopped and that one strikes hard against the organised crime's financing, which bears the counter-proposal's demand for stricter legislation against fraud via bank-id and Swish. The party programme counts security in one's own home as welfare policy and is built on responsible businesses and conscious consumers. Moving responsibility for unauthorised withdrawals from the consumer follows from that consumer protection.

• stop money launderingdecisive»Skattefusk, välfärdsbrottslighet och penningtvätt ska stoppas.« (2022 manifesto ↗)“Tax cheating, welfare crime and money laundering shall be stopped.”
• strike against crime financing»Slå hårt mot den organiserade brottslighetens finansiering och organisation.« (2022 manifesto ↗)“Strike hard against the financing and organisation of organised crime.”
• security in one's own home»Till välfärdspolitiken hör också tryggheten på gator och torg och i det egna hemmet.« (party programme ↗)“To welfare policy also belongs security on streets and squares and in one's own home.”
• responsible businesses and consumer protection»De kräver den blandekonomi, som bygger på en kombination av samhällsåtgärder och marknadsmekanismer, en effektiv offentlig sektor, ansvarsfulla företag, starka fackliga organisationer och medvetna, aktiva konsumenter.« (party programme ↗)“They require the mixed economy, which is built on a combination of societal measures and market mechanisms, an efficient public sector, responsible businesses, strong union organisations and conscious, active consumers.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan's requirement for strong consumer protection with good guidance and clear labeling when the market offers increasingly complicated services supports the counter-proposal's demand for stricter legislation around bank ID and payment services. That the consumer should not bear responsibility for unauthorized withdrawals also follows from the plan's criminal justice principle that the crime victim and their vulnerability shall be at the center. The plan also wants to cut off organized crime's income through strengthened interagency cooperation.

• strong consumer protectiondecisive»god konsumentvägledning, tydlig märkning av varor och tjänster« (party programme ↗)“good consumer guidance, clear labeling of goods and services”
• the crime victim at the center»brottsoffret och dennes utsatthet i centrum.« (party programme ↗)“the crime victim and their vulnerability at the center.”
• cut off crime's income»stärka myndighetssamverkan så att myndigheterna kan slå till mot den organiserade brottslighetens företag från flera håll« (2022 manifesto ↗)“strengthen interagency cooperation so that authorities can crack down on organized crime's businesses from multiple angles”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The party programme states that the rule of law must exist even in the digital sphere, and the election manifesto that the victim perspective should be strengthened and that more crimes that affect people in everyday life should be solved. Evaluating payment services legislation against fraud with bank-id and moving responsibility for unauthorized withdrawals from the consumer follow from these commitments. The plan does not explicitly mention payment fraud.

• rule of law also digitaldecisive»Samtidigt måste rättssamhället finnas även i den digitala sfären.« (party programme ↗)“At the same time, the rule of law must exist in the digital sphere as well.”
• strengthened victim perspective»Brottsofferperspektivet måste stärkas. Den som utsatts för brott ska få upprättelse och bättre stöd.« (2022 manifesto ↗)“The victim perspective must be strengthened. Those who have been victims of crime shall receive redress and better support.”
• combat everyday crimes»Tryggheten ska förbättras i hela landet och fler brott som drabbar folk i deras vardag ska klaras upp.« (2022 manifesto ↗)“Safety should be improved throughout the country and more crimes that affect people in their daily lives should be solved.”
• choke criminal profits»Dessutom bör en utredning om gängens inkomster och hur dessa kan strypas genomföras.« (2022 manifesto ↗)“Furthermore, an investigation into gang revenues and how these can be choked should be carried out.”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan establishes that the individual's influence over everyday agreements needs to be strengthened through improved consumer and contract law, and that consumers have the right to correct information. Moving the responsibility for unauthorized withdrawals from the consumer and evaluating payment services regulations is an application of that commitment. The plan also requires that the justice system's capacity to clear up crimes is improved.

• strengthened consumer and contract lawdecisive»vardagen behöver stärkas genom förbättrad konsument- och avtalslagstiftning« (party programme ↗)“everyday needs to be strengthened through improved consumer and contract law”
• strong consumer laws»Därför behövs en stark konkurrenslagstiftning och konsumentlagar som ger rätt till korrekt« (party programme ↗)“Therefore strong competition law and consumer laws are needed that provide the right to correct”
• more efficient justice system»Rättsväsendets förmåga och effektivitet behöver förbättras så att« (party programme ↗)“The justice system's capacity and efficiency needs to be improved so that”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan requires that all crimes be prosecuted effectively and without exception and that society stands on the crime victim's side, including that any damage or loss that has occurred be compensated. The counter-proposal's demand that the consumer not bear responsibility for unauthorized withdrawals and that payment services legislation be evaluated against fraud with bank-ID follows from this crime victim principle and from the requirement for effective legal rules for consumers. However, the plan does not explicitly address payment fraud.

• crime victim shall be made wholedecisive»förövaren gottgör brottsoffer ekonomiskt för det lidande eller den förlust som uppstått« (party programme ↗)“the perpetrator compensates crime victims economically for the suffering or loss that has occurred”
• all crimes shall be prosecuted»Alla brott ska effektivt och utan undantag beivras« (party programme ↗)“All crimes shall be effectively and without exception prosecuted”
• effective ground rules for consumers»och välinformerade konsumenter samt effektiva rättsliga spelregler« (party programme ↗)“and well-informed consumers and effective legal ground rules”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan particularly highlights that fraud against the elderly and telephone fraud are increasing sharply and promises more money to investigate fraud crimes. It also states that the rule of law should always be on the side of the crime victim and that compensation to crime victims should be facilitated. Evaluating payment services legislation and shifting responsibility for unauthorized withdrawals from the consumer follows from this victim perspective, even though bank ID is not mentioned.

• combat fraud crimesdecisive»Satsa mer pengar på att utreda bedrägeribrott och annan brottslighet mot äldre« (2022 manifesto ↗)“Invest more money in investigating fraud crimes and other crimes against the elderly”
• growing fraud»Också telefonbedrägerierna ökar kraftigt i antal.« (2022 manifesto ↗)“Telephone fraud is also increasing sharply in number.”
• the crime victim at the centre»Rättssamhället måste alltid stå på brottsoffrets sida.« (2022 manifesto ↗)“The rule of law must always be on the side of the crime victim.”
• compensation to crime victims»Underlätta utbetalningen av ersättning till brottsoffer för att minska lidandet« (2022 manifesto ↗)“Facilitate the payment of compensation to crime victims to reduce suffering”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.

The plan states that policy shall be shaped based on the victim's best interests and not the perpetrator's, and that the victim's position and support shall be strengthened. To lift responsibility from the consumer for unauthorized withdrawals is precisely to shift the burden from the affected. The plan's zero tolerance, which means that even minor offenses are investigated and prosecuted, also carries the requirement for tightened legislation against bank-ID fraud.

• victim's best interests firstdecisive»Utformningen av politiken måste ske utifrån brottsoffrets bästa, inte gärningsmannen.« (2022 manifesto ↗)“The design of policy must be based on the victim's best interests, not the perpetrator's.”
• strengthened victim position»Stärka brottsoffrets ställning och öka stödet till brottsoffer« (2022 manifesto ↗)“Strengthen the victim's position and increase support for victims”
• zero tolerance for fraud»Införa nolltolerans mot brott så att även mindre allvarliga brott utreds och lagförs« (2022 manifesto ↗)“Introduce zero tolerance for crime so that even minor offenses are investigated and prosecuted”
• victim before perpetrator»Brottsoffers och potentiella brottsoffers intressen måste i alla lägen sättas framför« (party programme ↗)“The interests of victims and potential victims must in all cases be placed before”

The plan takes no explicit position on what the committee actually decided — often because the committee's reason was procedural. The stance is derived and fully cited, but it does not show the party broke a commitment.