2026-06-162025/26:FiU45 · p.2FiUEconomy & finance

Future design of legislation

Future scope of the statistics collection on household debt

What's at stake: The decision affects how detailed the mapping of individual households' finances becomes, and weighs the benefits for areas such as monetary and distributional policy against the privacy risk that broader data collection poses for individuals.

Case texts and AI reasoning are AI-translated from the Swedish originals; the Swedish text is authoritative.

What the vote decides

The question is whether the new statistics collection on household debt should be limited to debt alone, or expanded to also cover household assets, in order to give a more complete picture of household finances.

Yes Yes — the committee proposal

The committee shares the government's assessment that limiting the Fasit data collection to debt is sufficient to achieve the intended purposes, without unnecessarily mapping other parts of households' finances, and therefore rejects the motions calling for assets to be included as well.

No No — the reservations

Reservation 2 (S, V)

The reservation (S, V) shares the view that data collection should be limited to what is necessary, but argues that data on household assets is also needed to understand households' financial vulnerability, and wants the government to study the possibility of including this, as well as giving the Riksbank access to the collected data.

Summarised from the committee report. Party labels in the summary come from the report, not from the vote.

VSMPCLKDMSD
YesNoAbstainAbsent

What do the votes mean here?

Yes The committee proposal: rejecting the motions (keeping things as they are).

No Backing the counter-proposal: reservation 2 by S, V.

Abstain The party marks a position of its own that is not one of the two final alternatives.

What each plan points to — and how the party voted

For each party: the vote its own election manifesto and party programme point to in this case, next to how the party actually voted. A plan can only point to Yes or No; a party can also abstain.

PlanVoteConfidenceEvidence
Vown reservationYesNo 0/21/0/0departs from the planconfidence: lownot addressed
Sown reservationNoNo 0/105/0/1follows the planconfidence: lownot addressed
MPNoAbstain 0/0/18/0departs from the planconfidence: lowderived
CYesYes 24/0/0/0follows the planconfidence: mediumderived
LYesYes 16/0/0/0follows the planconfidence: mediumderived
KDYesYes 18/0/0/1follows the planconfidence: mediumderived
MYesYes 66/0/0/0follows the planconfidence: mediumderived
SDYesYes 70/0/0/0follows the planconfidence: lownot addressed

Committee proposal

The Riksdag rejects the motions 2025/26:4185 by Mikael Damberg et al. (S) request 2 and 2025/26:4186 by Janine Alm Ericson et al. (MP).

Original (Swedish)

Riksdagen avslår motionerna 2025/26:4185 av Mikael Damberg m.fl. (S) yrkande 2 och 2025/26:4186 av Janine Alm Ericson m.fl. (MP).

Riksdag decision: The Riksdag approved the government's proposal that Statistics Sweden's microsimulation model (Fasit) should be expanded to collect data on the household sector's debt and debt payments. The proposal means that in Fasit it becomes possible to analyze individuals' and households' resilience and sensitivity to economic disruptions, such as for example an income loss or unexpected interest rate changes. The purpose of the government's proposal is to improve the evidence base for economic policy and make it easier to develop appropriate measures. The government argues that a collection for Fasit that is limited to only cover data on debt is sufficient to achieve the intended purposes. Such a limitation provides the evidence base needed to better design policy within financial stability and distribution policy. At the same time, unnecessary mapping of individuals' and households' finances is avoided. The legislative amendments enter into force on 1 August.

Counter-proposals

Plan vs actual vote

Every party, in chamber order: what its own plan pointed to, how it voted, and the reasoning behind both. Highlighted rows are where the two differ — but a vote that follows the plan is a result too, so the reasoning is there for every party.

VVänsterpartietYesNodeparts from the plannot addressed

The plan establishes that all people have the right to protection of their personal integrity, which speaks against expanding a public data collection from debts to households' assets.

Plan documents: party programme

Reasoning and quotes

The plan establishes that all people have the right to protection of their personal integrity, which speaks against expanding a public data collection from debts to households' assets. The plan's focus is that debt weakens people's independence and that loan terms shall be regulated based on common needs, not to map households' wealth. Giving the central bank access to the data also has no support in the plan, which instead wants to democratize the Riksbank.

Original (Swedish)

Planen slår fast att alla människor har rätt till skydd av sin personliga integritet, vilket talar mot att utvidga en statlig uppgiftsinsamling från skulder till hushållens tillgångar. Planens fokus är att skuldsättningen försvagar människors självständighet och att lånevillkoren ska regleras utifrån gemensamma behov, inte att kartlägga hushållens förmögenheter. Att ge centralbanken tillgång till uppgifterna har heller inget stöd i planen, som i stället vill demokratisera Riksbanken.

  • protection of personal integritydecisive»har rätt till skydd av sin personliga integritet.« (party programme ↗)“have the right to protection of their personal integrity.”
  • debt weakens independence»Skuldsättning försvagar många människors självständighet och« (party programme ↗)“Debt weakens many people's independence and”
  • democratize the Riksbank»Riksbanken behöver demokratiseras och driva en« (party programme ↗)“The Riksbank needs to be democratized and conduct a”

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.

SSocialdemokraternaNoNofollows the plannot addressed

The plan says nothing about collection of information on household debts and assets.

Plan documents: 2022 manifesto · party programme

Reasoning and quotes

The plan says nothing about collection of information on household debts and assets. The nearest principle is that the Riksbank shall have responsibility for stabilising the price level and that capital taxation shall increase, which both presuppose knowledge of household assets and vulnerability. The plan's requirement to protect personal integrity simultaneously speaks for collection being limited to what is necessary.

Original (Swedish)

Planen säger ingenting om insamling av uppgifter om hushållens skulder och tillgångar. Närmast liggande princip är att Riksbanken ska ha ansvar för att stabilisera prisnivån och att kapitalbeskattningen ska öka, vilket båda förutsätter kunskap om hushållens tillgångar och sårbarhet. Planens krav på skydd för den personliga integriteten talar samtidigt för att insamlingen begränsas till det nödvändiga.

  • Riksbank's stabilisation responsibilitydecisive»Vi värnar Riksbankens oberoende och ansvar för att stabilisera den allmänna prisnivån och tror på parternas förmåga att ta ansvar för lönebildningen.« (2022 manifesto ↗)“We safeguard the Riksbank's independence and responsibility to stabilise the general price level and believe in the parties' ability to take responsibility for wage formation.”
  • increased capital taxation»Ökad kapitalbeskattning.« (party programme ↗)“Increased capital taxation.”
  • personal integrity»Skydd för den personliga integriteten.« (party programme ↗)“Protection of personal integrity.”
MPMiljöpartietNoAbstaindeparts from the planderived

The counter-proposal wants data collection to also cover households' assets and that the central bank gain access to the data.

Plan documents: party programme

Reasoning and quotes

The counter-proposal wants data collection to also cover households' assets and that the central bank gain access to the data. The plan points out that ownership is very unevenly distributed and that economic policy shall counteract strong cyclical fluctuations and a financial system that becomes a source of instability, which requires knowledge of the asset side. The plan at the same time requires that integrity is cherished, which argues that collection is kept to what is necessary.

Original (Swedish)

Motförslaget vill att uppgiftsinsamlingen även omfattar hushållens tillgångar och att centralbanken får tillgång till uppgifterna. Planen pekar på att ägandet är mycket ojämlikt fördelat och att den ekonomiska politiken ska motverka kraftiga konjunktursvängningar och ett finansiellt system som blir en källa till instabilitet, vilket kräver kunskap om tillgångssidan. Planen kräver samtidigt att integriteten värnas, vilket talar för att insamlingen hålls till det nödvändiga.

  • unequal wealth distributiondecisive»Ägandet är mycket ojämlikt fördelat i samhället, och under de senaste decennierna har« (party programme ↗)“Ownership is very unevenly distributed in society, and over recent decades”
  • financial stability»Det finansiella systemet ska vara en drivkraft för samhällsutveckling – inte en källa till« (party programme ↗)“The financial system shall be a driver of societal development – not a source of”
  • counteract cyclical fluctuations»inflationen under kontroll och motverka kraftiga konjunktursvängningar för att skapa« (party programme ↗)“inflation under control and counteract strong cyclical fluctuations to create”
  • cherish integrity»och utvecklingen av AI ska ske med respekt för grundläggande fri- och rättigheter och« (party programme ↗)“and the development of AI shall take place with respect for fundamental freedoms and rights and”

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.

CCenterpartietYesYesfollows the planderived

The Centre Party's plan makes personal integrity a limit for legislation and requires proportionality between the intrusion and the law's purpose.

Plan documents: party programme · 2022 manifesto

Reasoning and quotes

The Centre Party's plan makes personal integrity a limit for legislation and requires proportionality between the intrusion and the law's purpose. Expanding collection to household assets and also giving the central bank access to the information is a broader mapping of individuals' finances than the purpose requires. The plan explicitly says no to expanding the state's insight into individuals. Therefore the counter-proposal's requirements are rejected.

Original (Swedish)

Centerpartiets plan gör den personliga integriteten till en gräns för lagstiftning och kräver proportionalitet mellan ingreppet och lagens syfte. Att utvidga insamlingen till hushållens tillgångar och dessutom ge centralbanken tillgång till uppgifterna är en bredare kartläggning av enskildas ekonomi än syftet kräver. Planen säger uttryckligen nej till att bygga ut statens insyn i enskilda. Därför avvisas motförslagets krav.

  • integrity assessment of legislationweak support»All lagstiftning bör prövas mot dess påverkan på människors personliga integritet.« (party programme ↗)“All legislation should be tested against its impact on people's personal integrity.”
  • proportionality in integrity intrusionsdecisive»Det måste finnas en proportionalitet mellan lagstiftningens inskränkning av medborgarnas integritet och lagarnas syfte.« (party programme ↗)“There must be proportionality between legislation's restriction of citizens' integrity and the laws' purpose.”
  • no to expanded surveillance»Rättsstaten och individens rättigheter gentemot staten måste försvaras. Vi säger därför nej till visitationszoner, kollektiv bestraffning, omvänd bevisbörda, anonyma vittnen, preventiv avlyssning och inskränkningar av religionsfriheten.« (2022 manifesto ↗)“The rule of law and the individual's rights against the state must be defended. We therefore say no to stop-and-search zones, collective punishment, reversed burden of proof, anonymous witnesses, preventive wiretapping and restrictions on freedom of religion.”
  • integrity as democratic cornerstone»Respekten för den enskildes personliga integritet är en grundsten i varje demokrati.« (party programme ↗)“Respect for the individual's personal integrity is a cornerstone of every democracy.”

flags: citat_svagt

LLiberalernaYesYesfollows the planderived

The plan's integrity principle is crucial: measures that map out individuals' finances are justified only when an opposing interest weighs obviously heavier and the measure is effective.

Plan documents: party programme

Reasoning and quotes

The plan's integrity principle is crucial: measures that map out individuals' finances are justified only when an opposing interest weighs obviously heavier and the measure is effective. Expanding the collection to household assets and giving the central bank access broadens the registration beyond the original purpose. The plan's sound skepticism towards increased public power claims therefore speaks against the counter-proposal's demands.

Original (Swedish)

Planens integritetsprincip är avgörande: åtgärder som kartlägger enskildas ekonomi är berättigade bara när ett motstående intresse väger uppenbart tyngre och åtgärden är effektiv. Att utvidga insamlingen till hushållens tillgångar och ge centralbanken tillgång vidgar registreringen utöver det ursprungliga syftet. Planens sunda skepsis mot ökade offentliga maktanspråk talar därför mot motförslagets krav.

  • proportionality in integrity infringementsdecisive»Åtgärder som påverkar den personliga integriteten negativt är endast berättigade om ett motstående intresse väger uppenbart tyngre och åtgärden är effektiv.« (party programme ↗)“Measures that negatively affect personal integrity are only justified if an opposing interest weighs obviously heavier and the measure is effective.”
  • registration only for original purpose»Övervakning och registrering ska inte användas för andra syften« (party programme ↗)“Surveillance and registration shall not be used for other purposes”
  • skepticism towards increased power claims»en sund skepsis mot ökade offentliga maktanspråk« (party programme ↗)“a sound skepticism towards increased public power claims”
  • integrity analysis of legislative proposals»Alla nya lagförslag ska analyseras ur integritetssynpunkt.« (party programme ↗)“All new legislative proposals shall be analyzed from an integrity perspective.”
KDKristdemokraternaYesYesfollows the planderived

The party programme establishes that personal integrity shall have strong constitutional protection and that the government must show great caution in handling personal data.

Plan documents: party programme

Reasoning and quotes

The party programme establishes that personal integrity shall have strong constitutional protection and that the government must show great caution in handling personal data. The counter-proposal wants to expand collection to household assets and also give the central bank access to the data, which maps individuals' economics more broadly than necessary. The plan's integrity commitment outweighs its support for an independent central bank, which does not include any right to information about individual households.

Original (Swedish)

Principprogrammet slår fast att den personliga integriteten ska ha ett starkt grundlagsskydd och att det offentliga måste visa stor försiktighet vid hantering av personuppgifter. Motförslaget vill vidga insamlingen till hushållens tillgångar och dessutom ge centralbanken tillgång till uppgifterna, vilket kartlägger enskildas ekonomi bredare än nödvändigt. Planens integritetsåtagande väger tyngre än dess stöd för en självständig riksbank, som inte innefattar någon rätt till uppgifter om enskilda hushåll.

  • strong integrity in personal datadecisive»Den personliga integriteten ska ha ett starkt grundlagsskydd och det offentliga måste tillämpa stor försiktighet och respekt för den personliga integriteten vid hantering av personuppgifter.« (party programme ↗)“Personal integrity shall have strong constitutional protection and the public must apply great caution and respect for personal integrity in handling personal data.”
  • integrity as fundamental right»Sådana rättigheter är framför allt rätten till liv, personlig frihet och integritet« (party programme ↗)“Such rights are above all the rights to life, personal freedom and integrity”
  • independent central bank»Ett viktigt medel för att uppnå detta är en självständig riksbank med ett uttalat ansvar att styra penningpolitiken så att ett stabilt penningvärde kan erhållas.« (party programme ↗)“An important means to achieve this is an independent central bank with a stated responsibility to manage monetary policy so that a stable currency value can be obtained.”
  • high household savings»Sparandet i den svenska ekonomin måste hållas högt genom hushållssparande och genom återhållsamhet i de offentliga utgifterna.« (party programme ↗)“Savings in the Swedish economy must be kept high through household savings and through restraint in public spending.”
MModeraternaYesYesfollows the planderived

The plan states that personal integrity should be protected against intrusions into private life and that control over one's own finances is a foundation for people's freedom.

Plan documents: party programme · 2022 manifesto

Reasoning and quotes

The plan states that personal integrity should be protected against intrusions into private life and that control over one's own finances is a foundation for people's freedom. Expanding data collection from debts to household assets and giving the central bank access to the information means a broader mapping than the purpose requires. The demand is rejected.

Original (Swedish)

Planen slår fast att den personliga integriteten ska värnas mot intrång i privatlivet och att kontrollen över den egna ekonomin är en grund för människors frihet. Att utvidga insamlingen från skulder till hushållens tillgångar och ge centralbanken tillgång till uppgifterna innebär en bredare kartläggning än syftet kräver. Kravet avvisas.

  • protected personal integritydecisive»Den personliga integriteten ska värnas, såväl från intrång« (party programme ↗)“Personal integrity should be protected, including from intrusions”
  • control over own finances»att ha kontroll över sin egen ekonomi är en av de viktigaste« (party programme ↗)“having control over one's own finances is one of the most important”
  • protection for freedoms and rights»Stärka domstolarnas oberoende och skyddet för medborgarnas fri- och rättigheter« (2022 manifesto ↗)“Strengthen the independence of the courts and the protection of citizens' freedoms and rights”
SDSverigedemokraternaYesYesfollows the plannot addressed

The plan does not address the design of the credit register, but makes ownership rights and the Constitution's rights protection into guiding principles and requires a minimum of bureaucracy in all public activities.

Plan documents: 2022 manifesto · party programme

Reasoning and quotes

The plan does not address the design of the credit register, but makes ownership rights and the Constitution's rights protection into guiding principles and requires a minimum of bureaucracy in all public activities. Expanding the collection from debts to entire households' assets is a broader mapping of individuals' finances than what these principles allow. The closest commitment therefore speaks against the counter-proposal's requirement.

Original (Swedish)

Planen behandlar inte kreditregistrets utformning, men den gör äganderätten och grundlagens rättighetsskydd till bärande principer och kräver ett minimum av byråkrati i all offentlig verksamhet. Att utvidga insamlingen från skulder till hela hushållens tillgångar är en bredare kartläggning av enskildas ekonomi än vad de principerna medger. Närmast liggande åtagande talar därför emot motförslagets krav.

  • strengthened rights protection and property rightsdecisive»Förstärka grundlagens rättighetsskydd vad gäller yttrandefrihet, äganderätt och frihet från religion« (2022 manifesto ↗)“Strengthen the Constitution's rights protection concerning freedom of expression, property rights and freedom of religion”
  • property rights fundamental»Sverigedemokraterna betraktar äganderätten som en nödvändig förutsättning för en lyckosam samhällsutveckling.« (party programme ↗)“Sweden Democrats regard property rights as a necessary prerequisite for successful societal development.”
  • minimum bureaucracy»Centralt för partiet är att respekt för skattebetalarnas pengar och strävan efter ett minimum av byråkrati skall genomsyra all offentlig verksamhet.« (party programme ↗)“Central to the party is that respect for taxpayers' money and striving for a minimum of bureaucracy shall permeate all public activities.”

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Sources and documents

Documents under consideration

Source: The Swedish Parliament