2025-04-092024/25:FiU22 · p.4FiUEconomy & finance
Household assets and debts
Individual-level statistics on household assets and debt
What's at stake: Better statistics on how household assets and debt are distributed would help authorities assess financial vulnerability and shape monetary and fiscal policy. The question is whether this requires a new individual-level register or whether a sample-based method suffices, which also weighs the benefit against personal privacy.
Case texts and AI reasoning are AI-translated from the Swedish originals; the Swedish text is authoritative.
What the vote decides
The motions wanted individual-level statistics on household assets and debt to be collected as soon as possible, while the committee held that an ongoing, less privacy-sensitive sample-based method should be allowed to be processed before parliament acts.
Yes Yes — the committee proposal
The committee rejects the motions, pointing out that an agency has already been tasked with analysing how an existing sample survey can be supplemented with data on debt and certain assets, which is assessed to provide efficiency gains and better safeguard personal privacy than a new register, and that this work is now being processed and should not be pre-empted.
No No — the reservations
Reservation 6 (S, V)
The reserving parties (S, V) want individual-level statistics on household assets and debt to start being collected as soon as possible, and for the government not to limit itself to sample data but to collect individual-level data so that authorities can get a full picture of households' financial position, citing a broadly supported parliamentary statement and an earlier government inquiry.
Summarised from the committee report. Party labels in the summary come from the report, not from the vote.
What do the votes mean here?
Yes The committee proposal: rejecting the motions (keeping things as they are).
No Backing the counter-proposal: reservation 6 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.
| Plan | Vote | Confidence | Evidence | ||
|---|---|---|---|---|---|
| V | No | No 0/20/0/4 | follows the plan | confidence: medium | derived |
| S | No | No 0/93/0/13 | follows the plan | confidence: low | derived |
| MP | Yes | Yes 14/0/0/4 | follows the plan | confidence: low | derived |
| C | Yes | Yes 19/0/0/5 | follows the plan | confidence: medium | derived |
| L | Yes | Yes 13/0/0/3 | follows the plan | confidence: medium | derived |
| KD | Yes | Yes 15/0/0/4 | follows the plan | confidence: medium | derived |
| M | Yes | Yes 60/0/0/8 | follows the plan | confidence: medium | derived |
| SD | Yes | Yes 62/0/0/10 | follows the plan | confidence: low | not addressed |
Committee proposal
Parliament rejects the motions 2024/25:372 by Adrian Magnusson (S), 2024/25:3190 by Niklas Karlsson et al. (S) amendment 25 and 2024/25:3196 by Mikael Damberg et al. (S) amendment 4.
Original (Swedish)
Riksdagen avslår motionerna 2024/25:372 av Adrian Magnusson (S), 2024/25:3190 av Niklas Karlsson m.fl. (S) yrkande 25 och 2024/25:3196 av Mikael Damberg m.fl. (S) yrkande 4.
Riksdag decision: Parliament has considered a communication from the government regarding the activities of the International Monetary Fund (IMF), the World Bank Group and regional development and investment banks in 2023 and 2024. The communication addresses, among other things, the institutions' work on issues relating to financial and monetary stability and measures that have been of particular importance during 2023 and 2024. Parliament shares the government's view on what is prioritized in the institutions' work. It is important that the institutions have adequate resources and good reserves to be able to contribute to financial stability and economic development in their member countries even during economically and financially turbulent times. Parliament placed the communication in the records, that is to say closed the matter. Parliament also rejected approximately 100 proposals in motions on financial market issues from the general motion period 2024. The motions address, among other things, macroprudential supervision, credit information and debt collection activities, money laundering and bank and payment fraud as well as cash handling and payment services.
Counter-proposals
- The counter-proposal wants to establish an inquiry into reforms of the interest rate compensation system and introduce a state start-loan to facilitate entry to the housing market. (S, V) — Reservation 6
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.
The plan wants to raise taxes especially on large fortunes, real estate and inheritances, which presupposes a complete picture of households' assets and debts.
Plan documents: party programme
Reasoning and quotes
The plan wants to raise taxes especially on large fortunes, real estate and inheritances, which presupposes a complete picture of households' assets and debts. It also sees indebtedness as a threat to people's independence and wants to regulate loan terms based on common needs. The plan also requires protection of personal integrity, which sets limits on how the information is collected.
Original (Swedish)
Planen vill höja skatterna framför allt på stora förmögenheter, fastigheter och arv, vilket förutsätter en fullgod bild av hushållens tillgångar och skulder. Den ser också skuldsättningen som ett hot mot människors självständighet och vill reglera lånevillkoren utifrån gemensamma behov. Planen kräver samtidigt skydd av den personliga integriteten, vilket sätter ramar för hur uppgifterna samlas in.
- tax on large fortunesdecisive»För att ta tag i de stora samhällsutmaningarna kommer skattenivåerna att behöva öka igen, framför allt på stora förmögenheter, fastigheter, arv och höga inkomster.« (party programme ↗)“To tackle the major societal challenges, tax levels will need to increase again, especially on large fortunes, real estate, inheritances and high incomes.”
- indebtedness as a problem»Skuldsättning försvagar många människors självständighet och förhandlingsstyrka.« (party programme ↗)“Indebtedness weakens many people's independence and bargaining power.”
- policy based on facts»rörelse för ett bättre samhälle behöver bygga på stabil forskning och förslag som visar sig effektiva och rättvisa den dag de genomförs.« (party programme ↗)“movement for a better society needs to be built on stable research and proposals that prove effective and fair when they are implemented.”
- protection of personal integrity»Alla människor har rätt till skydd av sin personliga integritet.« (party programme ↗)“All people have a right to protection of their personal integrity.”
The party programme warns of the debt economy growing when households raise their living standard with larger loans and demands instruments that increase stability in financial systems; a complete picture of household assets and liabilities is a prerequisite for such stability policy.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The party programme warns of the debt economy growing when households raise their living standard with larger loans and demands instruments that increase stability in financial systems; a complete picture of household assets and liabilities is a prerequisite for such stability policy. The election manifesto's responsible line on the economy points in the same direction. At the same time, the protection of personal integrity is an express duty in the plan, which makes the conclusion uncertain.
Original (Swedish)
Partiprogrammet varnar för den skuldekonomi som växer när hushåll höjer sin levnadsstandard med större lån och kräver instrument som ökar stabiliteten i finanssystemen; en fullgod bild av hushållens tillgångar och skulder är en förutsättning för sådan stabilitetspolitik. Valmanifestets ansvarslinje för ekonomin pekar i samma riktning. Samtidigt är skyddet av den personliga integriteten en uttalad skyldighet i planen, vilket gör slutsatsen osäker.
- household debt as riskdecisive»har människor kompenserat detta med att ta större lån« (party programme ↗)“people have compensated for this by taking larger loans”
- stable financial systems»finanssystemen, motverkar kortsiktiga spekulationer och gynnar långsiktiga investeringar.« (party programme ↗)“financial systems, counter short-term speculation and favour long-term investment.”
- responsible stabilization policy»Vi värnar Riksbankens oberoende och ansvar för att stabilisera den allmänna prisnivån« (2022 manifesto ↗)“We uphold the Riksbank's independence and responsibility for stabilizing the general price level”
- protection of personal integrity»Det är samhällets absoluta skyldighet att skydda friheten och den personliga integriteten« (party programme ↗)“It is society's absolute duty to protect freedom and personal integrity”
The plan wants to protect people's right to privacy and private life and opposes laws that entail disproportionate intrusions into privacy; needs assessments must not become privacy violations.
Plan documents: party programme
Reasoning and quotes
The plan wants to protect people's right to privacy and private life and opposes laws that entail disproportionate intrusions into privacy; needs assessments must not become privacy violations. Individual collection of all households' assets and debts is such a comprehensive intrusion, even though the plan simultaneously sees household indebtedness as a societal risk. Therefore the demand is rejected, but with low certainty.
Original (Swedish)
Planen vill värna människors rätt till integritet och privatliv och motsätter sig lagar som innebär oproportionerliga ingrepp i integriteten; behovsprövningar får inte bli integritetskränkande. Individbaserad insamling av alla hushålls tillgångar och skulder är ett sådant omfattande ingrepp, även om planen samtidigt ser hushållens skuldsättning som en samhällsrisk. Därför avvisas kravet, men med låg säkerhet.
- protect privacydecisive»Vi vill värna människors rätt till integritet och« (party programme ↗)“We want to protect people's right to privacy and”
- proportionate intrusions»alla lagar som innebär oproportionerliga ingrepp i« (party programme ↗)“all laws that entail disproportionate intrusions in”
- indebtedness as societal risk»hög privat skuldsättning är en risk för individen« (party programme ↗)“high private indebtedness is a risk for the individual”
The plan requires that all legislation be tested against its impact on personal privacy and that the intrusion is proportionate to the purpose.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan requires that all legislation be tested against its impact on personal privacy and that the intrusion is proportionate to the purpose. An individual-based register of all households' assets and liabilities is an extensive intrusion into individuals' economic circumstances. The counter-proposal's demand for collection without limitation to sampling therefore goes against the plan's privacy commitment.
Original (Swedish)
Planen kräver att all lagstiftning prövas mot sin påverkan på den personliga integriteten och att intrånget står i proportion till syftet. Ett individbaserat register över alla hushålls tillgångar och skulder är ett omfattande intrång i enskildas ekonomiska förhållanden. Motförslagets krav på insamling utan begränsning till stickprov går därför emot planens integritetsåtagande.
- privacy review 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 privacy.”
- proportional privacy intrusionsdecisive»Det måste finnas en proportionalitet mellan lagstiftningens inskränkning av medborgarnas integritet och lagarnas syfte.« (party programme ↗)“There must be proportionality between the legislation's restriction of citizens' privacy and the purpose of the laws.”
- strong privacy protection»Ett starkt integritetsskydd är därför en omistlig del av ett öppet och demokratiskt samhälle.« (party programme ↗)“Strong privacy protection is therefore an indispensable part of an open and democratic society.”
- the individual's right against the state»Rättsstaten och individens rättigheter gentemot staten måste försvaras.« (2022 manifesto ↗)“The rule of law and the individual's rights against the state must be defended.”
flags: citat_svagt
The plan requires that protection for the individual's integrity be strengthened and that measures with negative integrity impact are only justified when an opposing interest weighs obviously heavier.
Plan documents: party programme
Reasoning and quotes
The plan requires that protection for the individual's integrity be strengthened and that measures with negative integrity impact are only justified when an opposing interest weighs obviously heavier. A comprehensive individual-based collection of all households' assets and debts is precisely such registration that the plan is restrictive toward. That statistics are needed for authorities' overview does not outweigh that.
Original (Swedish)
Planen kräver att skyddet för den enskildes integritet stärks och att åtgärder med negativ integritetspåverkan bara är berättigade när ett motstående intresse väger uppenbart tyngre. En heltäckande individbaserad insamling av alla hushålls tillgångar och skulder är just en sådan registrering planen är restriktiv mot. Att statistiken behövs för myndigheternas överblick väger inte upp det.
- strengthened integrity protectiondecisive»Skyddet för den enskildes integritet ska stärkas.« (party programme ↗)“Protection for the individual's integrity shall be strengthened.”
- purpose-limited registration»Övervakning och registrering ska inte användas för andra syften än vad som var de ursprungliga« (party programme ↗)“Surveillance and registration shall not be used for purposes other than what were the original”
- integrity review of proposals»Alla nya lagförslag ska analyseras ur integritetssynpunkt.« (party programme ↗)“All new legislative proposals shall be analyzed from an integrity perspective.”
- inviolable integrity»Den enskildes värdighet och integritet får inte kränkas.« (party programme ↗)“The individual's dignity and integrity shall not be violated.”
The plan gives personal integrity strong constitutional protection and requires that public authorities exercise great caution in handling personal data.
Plan documents: party programme
Reasoning and quotes
The plan gives personal integrity strong constitutional protection and requires that public authorities exercise great caution in handling personal data. A comprehensive individual-level collection of all households' assets and liabilities is precisely such a register intervention that the plan urges caution about. The need for statistics does not outweigh that commitment.
Original (Swedish)
Planen ger den personliga integriteten ett starkt grundlagsskydd och kräver att det offentliga iakttar stor försiktighet vid hantering av personuppgifter. En heltäckande individbaserad insamling av alla hushålls tillgångar och skulder är precis ett sådant registeringrepp som planen manar till försiktighet inför. Behovet av statistik väger inte upp det åtagandet.
- strong privacy protectiondecisive»Den personliga integriteten ska ha ett starkt« (party programme ↗)“The right to personal privacy shall have strong”
- caution with personal data»försiktighet och respekt för den personliga integriteten« (party programme ↗)“caution and respect for personal integrity”
- integrity in public initiatives»av respekt för den personliga integriteten och ge förutsättningar för inflytande och delaktighet från den enskilde, för såväl vuxna som barn.« (party programme ↗)“out of respect for personal integrity and provide conditions for influence and participation from the individual, for both adults and children.”
- constitutionally protected rights»Grundlagen ska säkerställa de rättigheter som alltid« (party programme ↗)“The Constitution shall ensure the rights that always”
The counter-proposal requires that individual statistics on households' assets and debts be collected immediately, without limitation to sampling.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The counter-proposal requires that individual statistics on households' assets and debts be collected immediately, without limitation to sampling. The plan's principle is that personal integrity should be protected against intrusion into privacy and that everyone has the right to integrity. A comprehensive mapping of individuals' assets and debts conflicts with this, and the plan also does not want to lay the ground for new taxes. The plan therefore rejects the demand.
Original (Swedish)
Motförslaget kräver att individbaserad statistik över hushållens tillgångar och skulder samlas in snarast, utan begränsning till stickprov. Planens princip är att den personliga integriteten ska värnas mot intrång i privatlivets helgd och att var och en har rätt till integritet. En heltäckande kartläggning av enskildas förmögenheter och skulder står i strid med det, och planen vill dessutom inte lägga grund för nya skatter. Planen avvisar därför kravet.
- protected personal integritydecisive»Den personliga integriteten ska värnas, såväl från intrång« (party programme ↗)“Personal integrity shall be protected, as well as from intrusion”
- individual right to integrity»rätt till integritet och till sina livsmål« (party programme ↗)“right to integrity and to their life goals”
- tax-increase ceiling»Införa ett skattehöjarstopp under den kommande mandatperioden som innebär att de samlade skatterna inte höjs« (2022 manifesto ↗)“Introduce a tax-increase ceiling during the coming mandate period which means that combined taxes are not increased”
The plan says nothing about statistical collection of household finances.
Plan documents: 2022 manifesto
Reasoning and quotes
The plan says nothing about statistical collection of household finances. The most relevant commitments are to scale back unnecessary public activities and bureaucracy and to strengthen the constitutional protection of property rights. That speaks against setting up a new, comprehensive individual-level collection of information about private individuals' assets and liabilities, which is why the counter-proposal's demands are rejected.
Original (Swedish)
Planen säger inget om statistikinsamling över hushållens ekonomi. Närmast liggande åtaganden är att skala bort onödig offentlig verksamhet och byråkrati samt att stärka grundlagens skydd för äganderätten. Det talar emot att bygga upp en ny, heltäckande individbaserad insamling av uppgifter om enskildas tillgångar och skulder, varför motförslagets krav avvisas.
- reduced government agency bureaucracydecisive»Stoppa slöseriet inom myndigheterna och slå samman myndigheter« (2022 manifesto ↗)“Stop waste in government agencies and merge agencies”
- strengthened property rights protection»Förstärka grundlagens rättighetsskydd vad gäller yttrandefrihet, äganderätt och frihet från religion« (2022 manifesto ↗)“Strengthen constitutional protection of rights regarding freedom of expression, property rights and freedom from religion”
- eliminate unnecessary expenditures»Skala bort onödiga utgifter i det offentliga« (2022 manifesto ↗)“Scale back unnecessary public expenditures”
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Sources and documents
- The committee report on riksdagen.se (2024/25:FiU22)
- Committee report full text (HC01FiU22)
- Per-MP voting data (API)
- Case status (API)
Documents under consideration
- Motion 2024/25:1248 — Kontanter som betalningsmedel av Louise Thunström (S)
- Motion 2024/25:129 — Bankskatt och rättvisa i skattesystemet av Isak From och Helén Pettersson (båda S)
- Motion 2024/25:130 — Inkassolagen och inkassobolagen av Isak From och Åsa Karlsson (båda S)
- Motion 2024/25:1384 — Konsumentpolitik av Mikael Eskilandersson m.fl. (SD)
- Motion 2024/25:1387 — Finansiering inom bostads- och fastighetsområdet av Mikael Eskilandersson m.fl. (SD)
- Motion 2024/25:1418 — Åtgärder för att stärka kulturella och kreativa näringar av Alexander Christiansson m.fl. (SD)
- Motion 2024/25:145 — Ukraina och ryska tillgångar av Denis Begic (S)
- Motion 2024/25:1486 — Skatt på bankernas övervinster av Arber Gashi m.fl. (S)
- Motion 2024/25:1622 — Innovation på finansmarknaden av Elisabeth Thand Ringqvist (C)
- Motion 2024/25:163 — Aktiemarknaden av Oscar Sjöstedt m.fl. (SD)
- Motion 2024/25:164 — Förstärkt integritetsskydd vid kreditupplysning av Oscar Sjöstedt m.fl. (SD)
- Motion 2024/25:1642 — Företagskredit av Anders W Jonsson och Elisabeth Thand Ringqvist (båda C)
- Motion 2024/25:165 — Avskaffande av det skärpta amorteringskravet av Oscar Sjöstedt m.fl. (SD)
- Motion 2024/25:1657 — Kriminalisering av det ekonomiska våldet av Karin Sundin (S)
- Motion 2024/25:166 — Synliggörande av likviditetsrisker på företagsobligationsmarknaden av Oscar Sjöstedt m.fl. (SD)
- Motion 2024/25:1797 — Kontanternas roll för god beredskap och tillgängliga betalningar av Linnéa Wickman m.fl. (S)
- Motion 2024/25:1876 — Kunders behov av kontanter av Roland Utbult (KD)
- Motion 2024/25:1904 — Åtgärder mot organiserad brottslighet av Gudrun Nordborg m.fl. (V)
- Motion 2024/25:195 — Konsumenträtt av Andreas Lennkvist Manriquez m.fl. (V)
- Motion 2024/25:2033 — Bluffakturor och konsekvenser för företag och enskilda av otillräckliga krav för att få bedriva inkassoverksamhet av Mats Green och Anna af Sillén (båda M)
Source: The Swedish Parliament