Consumer credit and over-indebtedness

The plan establishes that indebtedness weakens many people's independence and negotiating power and that regulation of loan terms must be based on our collective needs rather than financial capital's, with stricter regulation of banks' socially impacting activities. A central block against new credit and an accelerated debt and credit information register are concrete expressions of that line.

• indebtedness weakens peopledecisive»Skuldsättning försvagar många människors självständighet och« (party programme ↗)“Indebtedness weakens many people's independence and”
• regulation based on collective needs»förhandlingsstyrka. Regleringen av lånevillkor behöver utgå från« (party programme ↗)“negotiating power. Regulation of loan terms must be based on”
• stricter banking regulation»Tills dess behövs en hårdare reglering av bankernas« (party programme ↗)“Until then, stricter regulation of banks'”

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 wants to see a strong society that protects those in a disadvantaged position from being exploited, and demands that markets that do not function are regulated so that households do not suffer unreasonable costs. A blocking service against new loans and an accelerated debt and credit information register are such protections against over-indebtedness. The plan does not, however, address consumer credit, so the position is derived.

• protection of the disadvantageddecisive»Socialdemokratin vill se ett starkt samhälle som skyddar den som befinner sig i en utsatt position« (party programme ↗)“Social Democracy wants to see a strong society that protects those in a disadvantaged position”
• regulation of market failures»Förhindrande av priskarteller och oskälig prissättning.« (party programme ↗)“Prevention of price cartels and unfair pricing.”
• social policy that liberates»En socialpolitik som utjämnar klyftor och frigör människor.« (party programme ↗)“A social policy that narrows gaps and liberates people.”
• against poverty in households»Ett samhälle där barn inte växer upp i fattigdom.« (party programme ↗)“A society where children do not grow up in poverty.”

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 clear regulation of the financial sector so that it contributes to security instead of instability, and particularly wants to improve conditions for those living with small margins. A central blocking service against new credit and an accelerated debt and credit information register are tools against precisely that overindebtedness that affects these households. The plan does not specifically address consumer credit, which is why the conclusion is derived and uncertain.

• responsible financial sectordecisive»Det finansiella systemet ska vara en drivkraft för samhällsutveckling – inte en källa till instabilitet.« (party programme ↗)“The financial system must be a driver of social development – not a source of instability.”
• responsible credit providers»Vi behöver banker och finansiella aktörer som tar ansvar för långsiktighet och stabilitet.« (party programme ↗)“We need banks and financial actors that take responsibility for long-term sustainability and stability.”
• protection for vulnerable households»Miljöpartiet vill se ett samhälle med mindre ekonomiska klyftor och en ekonomisk utveckling som gynnar alla – framförallt de som lever med en låg ekonomisk standard.« (party programme ↗)“The Greens want to see a society with smaller economic gaps and economic development that benefits everyone – especially those living with a low economic standard.”

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 fundamental stance is that people shall be able to make more decisions about their own lives and that basic security shall be so comprehensive that no one is allowed to fall through the safety net. A voluntary spending restriction service is a tool for self-determination over one's own finances and against lifelong debt trap. A credit and debt register must however be tested against the protection of privacy, which is why confidence is low.

• egenmakt över egna livetdecisive»Centerpartiet kommer alltid att kämpa för ett friare Sverige där människor kan bestämma mer över sina egna liv.« (2022 manifesto ↗)“The Centre Party will always fight for a freer Sweden where people can make more decisions about their own lives.”
• ingen ska falla igenom»Den grundläggande tryggheten måste vara så heltäckande att ingen tillåts falla igenom skyddsnäten« (party programme ↗)“Basic security must be so comprehensive that no one is allowed to fall through the safety net.”
• eget kapital ger självbestämmande»Det ger dem större självbestämmande och utrymme att tänka långsiktigt.« (party programme ↗)“That gives them greater self-determination and room to think long-term.”
• integritetsprövningweak 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.”

flags: citat_svagt

The party programme wants to change debt relief rules so that over-indebted people more easily become debt-free and requires that consumers throughout the country have access to budget and debt counselling. A voluntary blocking service against new credit and a debt and credit information register strengthen precisely the consumer's own power to make well-informed decisions. The counter-proposal's requirements thus lie in line with the plan.

• prevent over-indebtednessdecisive»Reglerna för skuldsanering ska ändras så att överskuldsatta får större möjlighet att bli skuldfria.« (party programme ↗)“Rules for debt relief shall be changed so that over-indebted people get greater opportunity to become debt-free.”
• informed consumer power»I en fungerande marknadsekonomi har konsumenten kunskap och makt att fatta välinformerade beslut.« (party programme ↗)“In a functioning market economy, the consumer has knowledge and power to make well-informed decisions.”
• debt counselling throughout the country»Konsumenter ska ha tillgång till budget- och skuldrådgivning och opartisk konsumentvägledning i hela landet.« (party programme ↗)“Consumers shall have access to budget and debt counselling and impartial consumer guidance throughout the country.”
• strengthened consumer influence»Den enskildes inflytande över de avtal som ingås i vardagen behöver stärkas genom förbättrad konsument- och avtalslagstiftning.« (party programme ↗)“The individual's influence over the agreements entered into in everyday life needs to be strengthened through improved consumer and contract legislation.”

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 wants the tax system to encourage saving and for household saving to be kept high, and requires well-developed consumer information and effective legal rules. A blocking service against new credits and an accelerated debt and credit information register are tools that protect individuals from over-indebtedness, in line with social policy supporting when it falls short. The substantive issue is not explicitly addressed in the documents.

• consumer informationdecisive»En väl utbyggd konsumentinformation är nödvändig.« (party programme ↗)“Well-developed consumer information is necessary.”
• high household saving»Sparandet i den svenska ekonomin måste hållas högt genom hushållssparande« (party programme ↗)“Saving in the Swedish economy must be kept high through household saving”
• saving should be encouraged»det stimulerar arbete, hederlighet, sparande och företagande« (party programme ↗)“it encourages work, honesty, saving and entrepreneurship”
• support when lacking»Socialpolitiken ska stödja när det brister« (party programme ↗)“Social policy should support when it falls short”

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 does not address consumer credit. The closest principles are that there must always be a way back for the one who has suffered setback and that the market economy shall promote thrift and personal responsibility; a voluntary blocking service and better credit information strengthen both without restricting anyone's freedom. Based on these principles the demand is supported, but the foundation is weak.

• a way backdecisive»Det ska alltid finnas en väg tillbaka för den som misslyckats« (party programme ↗)“There must always be a way back for the one who has failed”
• thrift and personal responsibility»Marknadsekonomin främjar hushållning, ansvar, kreativitet och långsiktighet.« (party programme ↗)“The market economy promotes thrift, responsibility, creativity and long-termism.”
• strengthened personal finance»Sänka skatten på investeringssparkonton (ISK) – så att du lättare kan spara till en bostad eller till pensionen« (2022 manifesto ↗)“Lower the tax on investment savings accounts (ISK) – so you can more easily save for a home or for retirement”

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.

Consumer credit and over-indebtedness are not addressed in the plan. The nearest corresponding principle is that all citizens should be guaranteed a high basic level of economic and social security and that wage earners' economic security should increase. A blocked credit service against new loans and a debt register are tools that counter the social vulnerability the plan wants to combat. However, the conclusion is entirely derived.

• basic security for citizensdecisive»en hög grundläggande nivå av ekonomisk och social trygghet« (party programme ↗)“a high basic level of economic and social security”
• economic security»Öka den ekonomiska tryggheten för löntagare« (2022 manifesto ↗)“Increase economic security for wage earners”
• counter social vulnerability»Att bekämpa hemlöshet är en prioriterad social fråga för Sverigedemokraterna.« (2022 manifesto ↗)“Combating homelessness is a prioritized social issue for Sverigedemokraterna.”

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.