2025-05-142024/25:CU12 · p.18CUCivil law & housing
Consumer credits and over-indebtedness
Tighter requirements against payday loans and risky lending
What's at stake: Aggressive marketing and inadequate credit checks by some lenders can lock already indebted people into debt traps, driving over-indebtedness and enforcement-authority caseloads, particularly for the most financially vulnerable.
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, beyond the measures against risky lending already decided or under way - such as lower interest caps and tighter licensing requirements - a cooling-off period between loan application and payout is also needed to curb impulsive payday loans and over-indebtedness.
Yes Yes — the committee proposal
The Committee refers to recently enacted legal amendments that lower the interest cap and extend requirements for moderate marketing and clear information about debt risks to more types of consumer credit, to a pending government bill on licensing requirements for credit businesses, and to the implementation of a new EU directive on consumer credit. The Committee considers that this ongoing work should not be pre-empted and therefore rejects the motions calling for further measures, such as a cooling-off period for payday loans.
No No — the reservations
Reservation 22 (S, MP)
S and MP hold that too many payday-loan companies act irresponsibly through aggressive advertising aimed at already indebted people and inadequate credit checks, which can lead to debt traps and adds to debts owed to the enforcement authority. The parties want a cooling-off period between loan application and payout - or a ban on night-time payouts - to be investigated as a way to reduce the risk of impulsive borrowing, and want the government to ensure this is thoroughly examined in the forthcoming 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 22 by S, MP.
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 | Abstain 0/0/21/3 | departs from the plan | confidence: high | not addressed |
| S | No | No 0/93/0/13 | follows the plan | confidence: medium | not addressed |
| MP | No | No 0/15/0/3 | follows the plan | confidence: high | not addressed |
| C | Yes | Abstain 1/0/20/3 | departs from the plan | confidence: low | not addressed |
| L | No | Yes 14/0/0/2 | departs from the plan | confidence: medium | not addressed |
| KD | No | Yes 16/0/0/3 | departs from the plan | confidence: medium | not addressed |
| M | Yes | Yes 60/0/0/8 | follows the plan | confidence: low | not addressed |
| SD | No | Yes 63/0/0/9 | departs from the plan | confidence: low | not addressed |
Broke with the party line
| CAlireza Akhondi (C, Stockholms län) | Yes — party line: Abstain |
MPs whose vote differs from their party's majority position in this division. Marked with a dark ring in the chamber view.
Committee proposal
The Riksdag rejects the motions 2024/25:93 by Magnus Jacobsson (KD) demand 3, 2024/25:130 by Isak From and Åsa Karlsson (both S) demand 3, 2024/25:195 by Andreas Lennkvist Manriquez et al. (V) demands 4 and 12, 2024/25:603 by Alexander Christiansson (SD), 2024/25:808 by Janine Alm Ericson et al. (MP), 2024/25:1146 by Mikael Oscarsson (KD), 2024/25:1230 by Yusuf Aydin (KD), 2024/25:1381 by Mikael Eskilandersson et al. (SD) demands 4, 5, 7 and 8, 2024/25:1782 by Carl Nordblom (M), 2024/25:2385 by Jesper Skalberg Karlsson (M), 2024/25:2957 by Anne-Li Sjölund et al. (C) demand 6, 2024/25:3074 by Jennie Nilsson et al. (S) demands 9 and 11 and 2024/25:3095 by Markus Wiechel (SD) demands 1, 2 and 5.
Original (Swedish)
Riksdagen avslår motionerna 2024/25:93 av Magnus Jacobsson (KD) yrkande 3, 2024/25:130 av Isak From och Åsa Karlsson (båda S) yrkande 3, 2024/25:195 av Andreas Lennkvist Manriquez m.fl. (V) yrkandena 4 och 12, 2024/25:603 av Alexander Christiansson (SD), 2024/25:808 av Janine Alm Ericson m.fl. (MP), 2024/25:1146 av Mikael Oscarsson (KD), 2024/25:1230 av Yusuf Aydin (KD), 2024/25:1381 av Mikael Eskilandersson m.fl. (SD) yrkandena 4, 5, 7 och 8, 2024/25:1782 av Carl Nordblom (M), 2024/25:2385 av Jesper Skalberg Karlsson (M), 2024/25:2957 av Anne-Li Sjölund m.fl. (C) yrkande 6, 2024/25:3074 av Jennie Nilsson m.fl. (S) yrkandena 9 och 11 samt 2024/25:3095 av Markus Wiechel (SD) yrkandena 1, 2 och 5.
Riksdag decision: The Riksdag rejected approximately 80 proposals in motions on consumer rights and more that were submitted during the general motion period 2024. The reason is, among other things, that work is already underway in many of the issues that the proposals address. The proposals deal, for example, with telephone sales, advertising directed at children, contacts with company customer services, travellers' rights, consumer credits and over-indebtedness, and consumer guidance.
Counter-proposals
- The counter-proposal wants to require marking of retouched images in advertising. (S, MP) — Reservation 22
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 establishes that debt weakens people's independence and bargaining power, and that the regulation of loan terms shall be based on our common needs rather than financial capital's.
Plan documents: party programme
Reasoning and quotes
The plan establishes that debt weakens people's independence and bargaining power, and that the regulation of loan terms shall be based on our common needs rather than financial capital's. A waiting period between loan application and disbursement, or a halt to disbursements at night, is a direct application of that principle against aggressive quick-loan operations. The plan also notes that deep indebtedness is profitable for banks but harmful for people.
Original (Swedish)
Planen slår fast att skuldsättning försvagar människors självständighet och förhandlingsstyrka, och att regleringen av lånevillkor ska utgå från våra gemensamma behov snarare än finanskapitalets. En karenstid mellan låneansökan och utbetalning, eller stopp för utbetalning nattetid, är en direkt tillämpning av den principen mot aggressiv snabblåneverksamhet. Planen konstaterar dessutom att djup skuldsättning är lönsam för bankerna men skadlig för människor.
- debt weakens peopledecisive»Skuldsättning försvagar många människors självständighet och« (party programme ↗)“Debt weakens many people's independence and”
- loan terms based on common needs»förhandlingsstyrka. Regleringen av lånevillkor behöver utgå från« (party programme ↗)“bargaining power. The regulation of loan terms needs to be based on”
- debt traps benefit banks»skulder är både lönsamt för bankerna och fördelaktigt för kapitalet i« (party programme ↗)“debt is both profitable for banks and advantageous for capital in”
- criticism of intrusive marketing»på marknadsföring människor gör allt för att undvika.« (party programme ↗)“for marketing people do everything to avoid.”
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 establishes that democratic safeguards and stable market rules are needed and that democracy has the overriding right to set conditions for the economy – the quick loan market is a clear case where such rules are needed.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The party programme establishes that democratic safeguards and stable market rules are needed and that democracy has the overriding right to set conditions for the economy – the quick loan market is a clear case where such rules are needed. The election manifesto's requirement for respect for ordinary households' finances speaks in favour of measures that reduce impulsive loans and debt traps. The plan does not mention waiting periods, so the support is derived.
Original (Swedish)
Partiprogrammet slår fast att det krävs demokratiska motvikter och stabila spelregler för marknaden och att demokratin har den överordnade rätten att ange villkor för ekonomin – snabblånemarknaden är ett tydligt fall där sådana regler behövs. Valmanifestets krav på respekt för vanliga hushålls ekonomi talar för åtgärder som minskar impulsiva lån och skuldfällor. Planen nämner inte karenstid, så stödet är härlett.
- democratic rules for the marketdecisive»Det krävs demokratiska motvikter för att skapa de stabila spelregler som behövs för att« (party programme ↗)“Democratic safeguards are needed to create the stable rules that are needed for”
- democracy sets frameworks for the economy»den överordnade rätten att ange villkor och ramar för ekonomin.« (party programme ↗)“the overriding right to set conditions and frameworks for the economy.”
- protection of household finances»Den ekonomiska politiken behöver bedrivas med stor varsamhet och respekt för vanliga hushålls ekonomi.« (2022 manifesto ↗)“Economic policy needs to be conducted with great care and respect for ordinary households' finances.”
- limit to commercial exploitation»längtan efter gemenskap och uppskattning görs till föremål för en hård kommersiell« (party programme ↗)“longing for community and appreciation is made the subject of hard commercial”
The plan stipulates that greed and over-indebtedness shall be countered, that high private debt is a risk for the individual and the economy and that excessive risk-taking in financial markets shall be countered.
Plan documents: party programme
Reasoning and quotes
The plan stipulates that greed and over-indebtedness shall be countered, that high private debt is a risk for the individual and the economy and that excessive risk-taking in financial markets shall be countered. A waiting period between loan application and disbursement, or ban on disbursement at night, is a direct measure against impulsive debt-taking. The plan does not mention payday loans specifically, but the direction is unambiguous.
Original (Swedish)
Planen slår fast att girighet och överskuldsättning ska motverkas, att hög privat skuldsättning är en risk för individen och samhällsekonomin och att överdrivet risktagande på finansmarknaderna ska motverkas. En karenstid mellan låneansökan och utbetalning, eller förbud mot utbetalning nattetid, är en direkt åtgärd mot impulsiv skuldsättning. Planen nämner inte snabblån särskilt, men riktningen är entydig.
- counter over-indebtednessdecisive»Girighet, överskuldsättning och spekulation ska motverkas.« (party programme ↗)“Greed, over-indebtedness and speculation shall be countered.”
- lower household debt»hög privat skuldsättning är en risk för individen« (party programme ↗)“high private debt is a risk for the individual”
- curb reckless credit provision»motverka det överdrivna risktagande som dominerat finansmarknaderna.« (party programme ↗)“counter the excessive risk-taking that has dominated financial markets.”
- strong consumer protection»Vi vill ha ett starkt skydd« (party programme ↗)“We want strong protection”
The plan does not address consumer credit or payday loans.
Plan documents: party programme
Reasoning and quotes
The plan does not address consumer credit or payday loans. The closest principle is freedom from paternalism and the right to determine one's own life through one's own and free choices, together with a market economy free from planned economy directives. A statutorily prescribed waiting period or a ban on payment at night is precisely such a paternalistic limitation, which is why the plan nearly speaks against the counter-proposal — but the foundation is weak.
Original (Swedish)
Planen behandlar inte konsumentkrediter eller snabblån. Närmast liggande princip är friheten från förmynderi och rätten att bestämma över sitt eget liv genom egna och fria val, tillsammans med en marknadsekonomi fri från planekonomiska pekpinnar. En lagstadgad karenstid eller ett förbud mot utbetalning nattetid är just en sådan förmyndande begränsning, varför planen närmast talar emot motförslaget — men underlaget är svagt.
- freedom from paternalismdecisive»frihet från tvång, våld och förmynderi« (party programme ↗)“freedom from coercion, violence and paternalism”
- one's own and free choices»Alla ska kunna bestämma över sina egna liv genom egna och fria val.« (party programme ↗)“Everyone shall be able to determine their own lives through their own and free choices.”
flags: citat_blockerat
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 explicitly takes a stance against over-indebtedness by requiring that debt-relief rules are changed so that over-indebted people more easily become debt-free, and it wants to strengthen the individual's position in everyday agreements through improved consumer and contract law.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan explicitly takes a stance against over-indebtedness by requiring that debt-relief rules are changed so that over-indebted people more easily become debt-free, and it wants to strengthen the individual's position in everyday agreements through improved consumer and contract law. A waiting period between application and disbursement of quick loans is a measure with the same aim: to prevent debt traps arising. The plan also wants consumers to have access to budget and debt counselling, which shows that the debt problem is seen as a public responsibility.
Original (Swedish)
Planen tar uttryckligen ställning mot överskuldsättning genom att kräva att reglerna för skuldsanering ändras så att överskuldsatta lättare blir skuldfria, och den vill stärka den enskildes ställning i vardagens avtal genom förbättrad konsument- och avtalslagstiftning. En karenstid mellan ansökan och utbetalning av snabblån är en åtgärd med samma syfte: att hindra att skuldfällor uppstår. Planen vill dessutom att konsumenter har tillgång till budget- och skuldrådgivning, vilket visar att skuldproblemet ses som ett offentligt ansvar.
- help against over-indebtednessdecisive»Reglerna för skuldsanering ska ändras så att överskuldsatta får större möjlighet att bli skuldfria.« (party programme ↗)“The rules for debt relief shall be changed so that over-indebted people have greater opportunity to become debt-free.”
- strengthened consumer law»vardagen behöver stärkas genom förbättrad konsument- och avtalslagstiftning.« (party programme ↗)“everyday need to be strengthened through improved consumer and contract law.”
- budget and debt counselling»Konsumenter ska ha tillgång till budget- och skuldrådgivning och opartisk« (party programme ↗)“Consumers shall have access to budget and debt counselling and impartial”
- own responsibility for economics»Det ska helt enkelt löna sig att ta personligt ansvar för sin egen ekonomiska framtid.« (2022 manifesto ↗)“It shall simply pay to take personal responsibility for one's own economic future.”
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 requires that aggressive marketing methods be counteracted and lifts temperance as one of the cardinal virtues, while household savings shall be kept high.
Plan documents: party programme
Reasoning and quotes
The party programme requires that aggressive marketing methods be counteracted and lifts temperance as one of the cardinal virtues, while household savings shall be kept high. A waiting period or a ban on nighttime disbursement is directed precisely at impulsive loans and the debt traps the plan wishes to prevent. The requirement for well-developed consumer information points in the same direction.
Original (Swedish)
Partiprogrammet kräver att aggressiva marknadsföringsmetoder motverkas och lyfter måttfullhet som en av kardinaldygderna, samtidigt som hushållssparandet ska hållas högt. En karenstid eller ett förbud mot nattlig utbetalning riktar sig mot just impulsiva lån och de skuldfällor planen vill motverka. Kravet på en väl utbyggd konsumentinformation pekar åt samma håll.
- aggressive marketing is counteracteddecisive»aggressiva marknadsföringsmetoder ska motverkas.« (party programme ↗)“aggressive marketing methods shall be counteracted.”
- 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 frugality in public expenditure.”
- temperance as a virtue»klassiska fyra kardinaldygderna rättvisa, måttfullhet, mod och praktisk klokskap.« (party programme ↗)“the classical four cardinal virtues justice, temperance, courage and practical wisdom.”
- strong consumer information»En väl utbyggd konsumentinformation är nödvändig.« (party programme ↗)“Well-developed consumer information is necessary.”
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 or payday loans.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan does not address consumer credit or payday loans. The closest principle is that the main responsibility lies with the individual, that government interventions are far from always the solution to society's problems, and that the regulatory burden for companies should be reduced significantly. Based on this, the plan speaks against introducing waiting periods or bans on payment at night.
Original (Swedish)
Planen behandlar inte konsumentkrediter eller snabblån. Närmast liggande princip är att huvudansvaret ligger på individen, att statliga ingripanden långt ifrån alltid är lösningen på samhällets problem och att regelbördan för företagen ska minska kraftigt. Utifrån detta talar planen emot att införa karenstid eller förbud mot utbetalning nattetid.
- individual responsibilitydecisive»Huvudansvaret ligger först och främst på individen.« (party programme ↗)“The main responsibility lies first and foremost with the individual.”
- government interventions not always the solution»Statliga ingripanden är långt ifrån alltid« (party programme ↗)“Government interventions are far from always”
- less regulatory burden»Ta bort en tredjedel av företagens administrationskostnader och en tredjedel av regelkrånglet« (2022 manifesto ↗)“Remove one-third of companies' administrative costs and one-third of regulatory burden”
The plan does not address consumer credit.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan does not address consumer credit. The closest principle is the party programme's view of humanity: humans are imperfect and are also driven by impulses, which is why politics' task is to maintain norms and rules that help individuals choose constructively. The election manifesto furthermore wants to counter systems that encourage fraud and prioritizes the fight against homelessness. A waiting period that dampens impulsive quick loans comes closest to this, but the conclusion is weakly supported.
Original (Swedish)
Planen behandlar inte konsumentkrediter. Den närmast liggande principen är partiprogrammets människosyn: människan är ofullkomlig och styrs också av drifter, varför politikens uppgift är att upprätthålla normer och regler som hjälper individen att välja konstruktivt. Valmanifestet vill dessutom motverka system som lockar till fusk och prioriterar kampen mot hemlöshet. En karenstid som dämpar impulsiva snabblån ligger närmast detta, men slutsatsen är svagt underbyggd.
- humans are imperfectdecisive»Vi tror alltså att människan är ofullkomlig« (party programme ↗)“We thus believe that humans are imperfect”
- rules that support good choices»skapa, stödja och upprätthålla normer, moral, lagar« (party programme ↗)“create, support and maintain norms, morality, laws”
- counter harmful systems»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 countered.”
- counter social vulnerability»Att bekämpa hemlöshet är en prioriterad social fråga för Sverigedemokraterna.« (2022 manifesto ↗)“Combating homelessness is a prioritized social issue for the Sweden Democrats.”
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.
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Sources and documents
- The committee report on riksdagen.se (2024/25:CU12)
- Committee report full text (HC01CU12)
- Per-MP voting data (API)
- Case status (API)
Documents under consideration
- Motion 2024/25:1091 — Levande djur bör helt undantas från konsumentköplagen av Alexandra Anstrell och Anna af Sillén (båda M)
- Motion 2024/25:1146 — Skärpt lagstiftning gällande sms-lån av Mikael Oscarsson (KD)
- Motion 2024/25:1230 — Åtgärder för att motverka och förebygga överskuldsättning av Yusuf Aydin (KD)
- Motion 2024/25:130 — Inkassolagen och inkassobolagen av Isak From och Åsa Karlsson (båda S)
- Motion 2024/25:1342 — Framtidens e-sport av Michael Rubbestad m.fl. (SD)
- Motion 2024/25:1381 — Överskuldsättning av Mikael Eskilandersson m.fl. (SD)
- Motion 2024/25:1384 — Konsumentpolitik av Mikael Eskilandersson m.fl. (SD)
- Motion 2024/25:1389 — Familjerätt av Mikael Eskilandersson m.fl. (SD)
- Motion 2024/25:1470 — Brott mot företagare av Tobias Andersson m.fl. (SD)
- Motion 2024/25:1623 — Stopp för oseriösa företag som utför tjänster i privatpersoners hem av Anna Lasses (C)
- Motion 2024/25:1696 — En nationell strategi för stärkt konsumenträtt av Tomas Eneroth och Monica Haider (båda S)
- Motion 2024/25:1782 — Snabblån av Carl Nordblom (M)
- Motion 2024/25:195 — Konsumenträtt av Andreas Lennkvist Manriquez m.fl. (V)
- Motion 2024/25:2384 — Modern distanshandel av Jesper Skalberg Karlsson och Johan Hultberg (båda M)
- Motion 2024/25:2385 — Lånpaus av Jesper Skalberg Karlsson (M)
- Motion 2024/25:2954 — En folkrörelse för klimatet av Muharrem Demirok m.fl. (C)
- Motion 2024/25:2957 — Konsumentpolitik av Anne-Li Sjölund m.fl. (C)
- Motion 2024/25:3073 — Familjerätt av Jennie Nilsson m.fl. (S)
- Motion 2024/25:3074 — Konsumentpolitik av Jennie Nilsson m.fl. (S)
- Motion 2024/25:3095 — Stöd till skuldsatta och åtgärder mot reafusk av Markus Wiechel (SD)
Source: The Swedish Parliament