Money laundering and bank and payment fraud

The plan demands stricter regulation of banks' socially impactful activities and wants to legislate on separating ordinary lending and borrowing from the risky business. It also sees indebtedness and economic crime as something that weakens ordinary people's position and demands effective monitoring. Sharpened security requirements and consumer protection where the bank bears responsibility for unauthorized withdrawals therefore lie in line with the plan.

• tighter regulation of banksdecisive»Tills dess behövs en hårdare reglering av bankernas« (party programme ↗)“Until then, tighter regulation of banks'”
• separate banks' activities»vill vi lagstifta om att skilja de två verksamheterna från varandra.« (party programme ↗)“we want to legislate on separating the two activities from each other.”
• protect households' finances»Skuldsättning försvagar många människors självständighet och« (party programme ↗)“Indebtedness weakens many people's independence and”
• monitoring of economic crime»Det behövs en effektiv uppföljning av den organiserade« (party programme ↗)“There needs to be effective monitoring of the organized”

The plan demands that tax fraud and money laundering be stopped and that fraud and all other economic crime be combated, which bears the counter-proposal's demands for stricter security requirements on e-identification and consequences for banks that participate in tax evasion. The plan also wants to see strengthened protection for ordinary households against unreasonable terms on financial services. The distribution of responsibility at unauthorised withdrawals is not directly addressed, so the assessment is derived.

• combat frauddecisive»Bekämpande av bedrägerier och all annan ekonomisk brottslighet.« (party programme ↗)“Combating fraud and all other economic crime.”
• stop money laundering and tax fraud»Skattefusk, välfärdsbrottslighet och penningtvätt ska stoppas.« (2022 manifesto ↗)“Tax fraud, welfare crime and money laundering shall be stopped.”
• counter tax evasion»Global överenskommelse om ökad beskattning av företag.« (party programme ↗)“Global agreement on increased taxation of companies.”
• protection against unreasonable terms»Förhindrande av priskarteller och oskälig prissättning.« (party programme ↗)“Prevention of price cartels and unreasonable pricing.”

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 demands banks and financial actors that take responsibility for long-term sustainability and stability, and wants to regulate the financial sector through clear regulation and fair taxes. It particularly points out that tax planning allows the wealthy to avoid tax. Stricter requirements on banks that facilitate tax evasion and stronger consumer protection against fraud are in line with this, as is the state's responsibility to prevent financial market shortcomings from affecting ordinary households.

• responsible banksdecisive»Vi behöver banker och finansiella aktörer som tar ansvar för långsiktighet och« (party programme ↗)“We need banks and financial actors that take responsibility for long-term sustainability and”
• clear regulation of the financial sector»Genom tydlig reglering, rättvisa skatter och en ansvarsfull fördelningspolitik« (party programme ↗)“Through clear regulation, fair taxes and responsible distribution policy”
• against tax evasion»Storföretag och förmögna personer kan med hjälp av skatteplanering ofta undvika att« (party programme ↗)“Large companies and wealthy individuals can often use tax planning to avoid”
• the state protects households»Staten har ett ansvar att motverka en sådan utveckling.« (party programme ↗)“The state has a responsibility to prevent such developments.”

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 more crimes affecting people in their everyday lives are solved and that the victims' perspective is strengthened so that those who have been harmed receive redress and better support. Fraud via bank ID and payment services are precisely such everyday crimes, and shifting responsibility for unauthorized withdrawals from the consumer is a form of redress. The plan also wants to choke off the criminal economy's income.

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

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 the individual's influence over everyday contracts is strengthened through improved consumer and contract legislation and that consumer laws are strong. That the consumer should not bear responsibility for unauthorized withdrawals and that security requirements for e-identification are tightened follows from that commitment. The plan also wants crime victims to be kept harmless without having to enforce compensation themselves.

• strengthened consumer protectiondecisive»Den enskildes inflytande över de avtal som ingås i vardagen behöver stärkas genom förbättrad« (party programme ↗)“The individual's influence over the contracts entered into in everyday life needs to be strengthened through improved”
• strong consumer laws»Därför behövs en stark konkurrenslagstiftning och konsumentlagar« (party programme ↗)“Therefore a strong competition law and consumer laws are needed”
• crime victims shall be kept harmless»Brottsoffer ska snabbt få det skadestånd som utdömts i domstol utan att behöva kräva ut det« (party programme ↗)“Crime victims shall quickly receive the damages awarded in court without having to demand payment themselves”
• combat cross-border crime»Gränsöverskridande brottslighet måste mötas med en gränsöverskridande polis.« (2022 manifesto ↗)“Cross-border crime must be met with cross-border policing.”

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 builds the market economy on active and well-informed consumers and effective legal rules, which supports the demand for strengthened security requirements for e-ID services and stronger consumer protection against fraud. It also establishes that all crimes shall be effectively prosecuted and that society shall stand with the crime victim, which argues against the defrauded consumer themselves bearing responsibility for unauthorized withdrawals. The counter-proposal's demands therefore align with the plan.

• effective legal rulesdecisive»En fungerande marknadsekonomi kräver aktiva och välinformerade konsumenter samt« (party programme ↗)“A functioning market economy requires active and well-informed consumers and”
• the crime victim's side»Samhället ska ställa sig på brottsoffrets sida.« (party programme ↗)“Society shall stand with the crime victim.”
• strong consumer position»En väl utbyggd konsumentinformation är nödvändig.« (party programme ↗)“Well-developed consumer information is necessary.”
• all crimes shall be prosecuted»Alla brott ska effektivt och utan undantag beivras« (party programme ↗)“All crimes shall be effectively and without exception prosecuted”

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 answer to fraud is the judicial system: more money to investigate fraud crimes and tougher penalties, not new burdens on banks and redistributed payment responsibility. The plan moreover promises significantly reduced regulatory red tape and that EU rules as a main rule are implemented at minimum level, which speaks against tightened Sweden-specific requirements. The crime victim perspective does however give some support for the requirement for consumer protection.

• fraud is fought through the judicial systemdecisive»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”
• EU rules at minimum level»Minska regelkrånglet och onödig byråkrati, bland annat genom att motverka överimplementering i Sverige av EU-beslut – som huvudregel ska EU-direktiv genomföras på miniminivå« (2022 manifesto ↗)“Reduce regulatory red tape and unnecessary bureaucracy, among other things by counteracting overimplementation in Sweden of EU decisions - as a main rule EU directives shall be implemented at minimum level”
• reduced regulatory burden»Ta bort en tredjedel av företagens administrationskostnader och en tredjedel av regelkrånglet« (2022 manifesto ↗)“Remove a third of businesses' administrative costs and a third of regulatory red tape”
• crime victim perspective»Brottsoffrens perspektiv är viktigt i kriminalpolitiken.« (party programme ↗)“The crime victim perspective is important in criminal policy.”

flags: citat_migrerat

The counter-proposal wants to shift responsibility for unauthorized withdrawals from the consumer to the banks and tighten security requirements for electronic ID. The plan's guiding principle is that policy should be designed based on the best interests of crime victims and that the position of crime victims should be strengthened, which argues that the victim should not bear the loss. The plan also demands that fraud and corruption-promoting systems be counteracted and protects cash as an alternative in a vulnerable payment system.

• crime victim perspective firstdecisive»Utformningen av politiken måste ske utifrån brottsoffrets bästa, inte gärningsmannen.« (2022 manifesto ↗)“Policy design must be based on the best interests of crime victims, not the perpetrator.”
• strengthened crime victim position»Stärka brottsoffrets ställning och öka stödet till brottsoffer« (2022 manifesto ↗)“Strengthen the position of crime victims and increase support to crime victims”
• counteract fraud and corruption»Både fusk och sådana system som tenderar att locka till fusk och korruption ska motverkas.« (2022 manifesto ↗)“Both fraud and systems that tend to encourage fraud and corruption should be counteracted.”
• robust payment system»Försvara kontanternas ställning som betalmedel i Sverige« (2022 manifesto ↗)“Protect the position of cash as a means of payment in Sweden”

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.