2026-03-182025/26:FiU22 · p.4FiUEconomy & finance
Statistics on household assets and liabilities
What's at stake: Better data on household debt and assets could help the Riksbank and the Financial Supervisory Authority detect financial risks earlier, but the question involves a trade-off between data quality and how much personal financial information the state should collect on individual households.
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 statistics on household assets and debt should continue to be collected via a supplemented sample survey at Statistics Sweden, or whether broader individual-level register-based collection should be required to give authorities a complete picture.
Yes Yes — the committee proposal
The committee notes that, instead of creating a new register, the government has tasked Statistics Sweden with supplementing an existing sample survey with data on debt and certain assets, that a memorandum with legislative proposals has already been presented, and that a government bill has been announced. Given this ongoing work, the committee rejects the motions.
No No — the reservations
Reservation 7 (S)
The reservation (S) calls for the collection of statistics on household assets and debt not to be limited to sample data but to include individual-based statistics, without compromising personal privacy. The reasoning is that a broad request for this was already made in 2019 following a submission from the Riksbank, that the statistics are sought by bodies including the Riksbank and the Financial Supervisory Authority, and that they are needed for better-calibrated measures, follow-up and financial stability.
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 7 by S.
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 | Yes 15/0/0/7 | departs from the plan | confidence: medium | not addressed |
| S | No | No 0/93/0/13 | follows the plan | confidence: low | not addressed |
| MP | No | Yes 16/0/0/2 | departs from the plan | confidence: medium | not addressed |
| C | Yes | Yes 21/0/0/3 | follows the plan | confidence: medium | not addressed |
| L | Yes | Yes 10/0/0/6 | follows the plan | confidence: medium | not addressed |
| KD | Yes | Yes 17/0/0/2 | follows the plan | confidence: medium | not addressed |
| M | Yes | Yes 60/0/0/8 | follows the plan | confidence: low | not addressed |
| SD | Yes | Yes 62/0/0/9 | follows the plan | confidence: low | not addressed |
Committee proposal
Parliament rejects the motions 2025/26:1163 by Adrian Magnusson (S), 2025/26:3553 by Niklas Karlsson et al. (S) demand 13 and 2025/26:3559 by Mikael Damberg et al. (S) demand 6.
Original (Swedish)
Riksdagen avslår motionerna 2025/26:1163 av Adrian Magnusson (S), 2025/26:3553 av Niklas Karlsson m.fl. (S) yrkande 13 och 2025/26:3559 av Mikael Damberg m.fl. (S) yrkande 6.
Riksdag decision: Parliament has considered a government communication on the activities of the International Monetary Fund (IMF) in 2025. The communication covers, among other things, the institution's work with surveillance, lending, and capacity development to promote economic development and financial stability. The communication also sets out the government's priorities for the IMF's activities. Like the government, the committee considers that the IMF has an important role in supporting Ukraine. Parliament considers that the communication on the IMF's activities provides a good picture of the institution's activities over the past year. As Parliament has previously emphasized, it is valuable that the government's priorities in relation to the IMF's work are clearly presented in the communication. Parliament referred the communication to the records, which means the matter was concluded. Parliament also said no to approximately 120 proposals in motions about financial market issues from the regular motion period in 2025. The motions concern macroprudential oversight and the mortgage market, SBAB, statistics on household assets and liabilities, structure and competition in the banking and financial market, as well as access to basic banking services.
Counter-proposals
- The counter-proposal wants to ban list interest rates on mortgages and to introduce a state start loan for first-time home buyers. (S) — Reservation 7
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 builds its redistribution policy on the fact that economic inequalities have grown rapidly and that indebtedness weakens people's independence, which requires good knowledge of how assets and debts are actually distributed.
Plan documents: 2022 manifesto · party programme
Reasoning and quotes
The plan builds its redistribution policy on the fact that economic inequalities have grown rapidly and that indebtedness weakens people's independence, which requires good knowledge of how assets and debts are actually distributed. It also establishes that policy should be built on sound research. Individual-based statistics are therefore supported, with the plan's requirement to protect personal integrity as a reservation.
Original (Swedish)
Planen bygger sin fördelningspolitik på att de ekonomiska klyftorna vuxit snabbt och att skuldsättning försvagar människors självständighet, vilket kräver god kunskap om hur tillgångar och skulder faktiskt fördelas. Den slår också fast att politiken ska bygga på stabil forskning. Individbaserad statistik stöds därför, med planens krav på skydd av den personliga integriteten som förbehåll.
- growing economic inequalitiesdecisive»Sverige har dessutom under flera år varit det land i Europa där de ekonomiska klyftorna vuxit snabbast« (2022 manifesto ↗)“Moreover, for several years Sweden has been the European country where economic inequalities have grown fastest”
- indebtedness as a power issue»Skuldsättning försvagar många människors självständighet och« (party programme ↗)“Indebtedness weakens many people's independence and”
- knowledge-based policy»rörelse för ett bättre samhälle behöver bygga på stabil forskning och« (party programme ↗)“movement for a better society needs to be built on sound research and”
- protection of personal integrity»har rätt till skydd av sin personliga integritet.« (party programme ↗)“have the right to protection of their personal integrity.”
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 its redistribution policy on the fact that capital income and wealth have been concentrated and requires increased capital taxation and progressive taxation according to ability to pay, which requires reliable statistics on households' assets and debts.
Plan documents: party programme
Reasoning and quotes
The plan builds its redistribution policy on the fact that capital income and wealth have been concentrated and requires increased capital taxation and progressive taxation according to ability to pay, which requires reliable statistics on households' assets and debts. The counter-proposal further conditions the collection on the fact that personal integrity is not compromised, which the plan protects. The form of statistical collection is not addressed in the documents.
Original (Swedish)
Planen bygger sin fördelningspolitik på att kapitalinkomster och förmögenheter koncentrerats och kräver ökad kapitalbeskattning och progressiv beskattning efter bärkraft, vilket förutsätter tillförlitlig statistik över hushållens tillgångar och skulder. Motförslaget villkorar dessutom insamlingen med att den personliga integriteten inte åsidosätts, vilket planen slår vakt om. Statistikinsamlingens form behandlas inte i dokumenten.
- increased capital taxationdecisive»Ökad kapitalbeskattning.« (party programme ↗)“Increased capital taxation.”
- taxation according to ability to pay»Progressiv och utjämnande beskattning efter bärkraft.« (party programme ↗)“Progressive and equalizing taxation according to ability to pay.”
- protected personal integrity»Skydd för den personliga integriteten.« (party programme ↗)“Protection of personal integrity.”
The plan makes unequal wealth distribution a central problem and requires that the development of resource distribution over time be illuminated and given a prominent role when economic policy is shaped and evaluated.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan makes unequal wealth distribution a central problem and requires that the development of resource distribution over time be illuminated and given a prominent role when economic policy is shaped and evaluated. Individual-level statistics on assets and liabilities are the prerequisite for that. The plan also shows that the party sees systematic statistics as a legitimate political tool, while personal integrity protection shall be valued.
Original (Swedish)
Planen gör den ojämlika förmögenhetsfördelningen till ett centralt problem och kräver att resursfördelningens utveckling över tid belyses och ges en framträdande roll när ekonomisk politik utformas och utvärderas. Individbaserad statistik över tillgångar och skulder är förutsättningen för det. Planen visar också att partiet ser systematisk statistik som ett legitimt politiskt verktyg, samtidigt som integritetsskyddet ska värnas.
- measure resource distributiondecisive»hur utsläppsnivåer, människors hälsa och resursfördelning förändras över tid« (party programme ↗)“how emission levels, people's health and resource distribution change over time”
- unequal ownership»Ägandet är mycket ojämlikt fördelat i samhället, och under de senaste decennierna har« (party programme ↗)“Ownership is very unequally distributed in society, and over recent decades has”
- better measures drive policy»Sådana mått ska ges en framträdande roll när ekonomisk politik« (party programme ↗)“Such measures shall be given a prominent role when economic policy”
- statistics as a political tool»ta fram systematisk statistik för att belysa diskriminering och rasism i samhället.« (2022 manifesto ↗)“develop systematic statistics to illuminate discrimination and racism in society.”
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 makes respect for the individual's personal integrity a cornerstone of democracy and requires that all legislation be tested against its impact on integrity.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan makes respect for the individual's personal integrity a cornerstone of democracy and requires that all legislation be tested against its impact on integrity. An individual-based register collection of all households' assets and debts is such an intrusion, and that the statistical need in itself would outweigh it does not follow from the plan. The plan therefore speaks against replacing sample surveys with registers.
Original (Swedish)
Planen gör respekten för den enskildes personliga integritet till en grundsten i demokratin och kräver att all lagstiftning prövas mot sin påverkan på integriteten. En individbaserad registerinsamling av alla hushålls tillgångar och skulder är ett sådant ingrepp, och att statistikbehovet i sig skulle väga över följer inte av planen. Planen talar därför emot att ersätta stickprov med register.
- personal integritydecisive»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.”
- integrity testing of lawsweak 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.”
- strong integrity protection»Ett starkt integritetsskydd är därför en omistlig del av ett öppet och demokratiskt samhälle.« (party programme ↗)“Strong integrity protection is therefore an indispensable part of an open and democratic society.”
- individual rights against the state»Rättsstaten och individens rättigheter gentemot staten måste försvaras.« (2022 manifesto ↗)“The rule of law and the individual's rights in relation to the state must be defended.”
flags: citat_svagt
The plan requires that protection for the individual's privacy be strengthened and that privacy intrusions be justified only when an opposing interest weighs clearly heavier.
Plan documents: party programme
Reasoning and quotes
The plan requires that protection for the individual's privacy be strengthened and that privacy intrusions be justified only when an opposing interest weighs clearly heavier. It also states that recording shall not be used for other purposes than the original ones. Individual-based registry collection of household assets and debts contradicts these commitments.
Original (Swedish)
Planen kräver att skyddet för den enskildes integritet stärks och att integritetsingrepp bara är berättigade när ett motstående intresse väger uppenbart tyngre. Den slår också fast att registrering inte ska användas för andra syften än de ursprungliga. En individbaserad registerinsamling av hushållens tillgångar och skulder går emot dessa åtaganden.
- strengthened privacy protectiondecisive»Skyddet för den enskildes integritet ska stärkas. Åtgärder som påverkar den personliga« (party programme ↗)“Protection for the individual's privacy shall be strengthened. Measures that negatively affect personal”
- purpose limitation for records»Övervakning och registrering ska inte användas för andra syften än vad som var de« (party programme ↗)“Surveillance and recording shall not be used for other purposes than what”
- privacy review of legislation»Alla nya lagförslag ska analyseras ur integritetssynpunkt.« (party programme ↗)“All new legislation shall be analyzed from a privacy perspective.”
- transparency regarding personal data»Den enskilde ska ha vidsträckta möjligheter att få insyn i hur de egna personuppgifterna« (party programme ↗)“The individual shall have extensive opportunity to gain insight into how their own personal data”
The plan requires that personal integrity has strong constitutional protection and that the public authorities apply great caution and respect for integrity in the processing of personal data.
Plan documents: party programme
Reasoning and quotes
The plan requires that personal integrity has strong constitutional protection and that the public authorities apply great caution and respect for integrity in the processing of personal data. An individual-based register collection of households' assets and debts is precisely such a processing of sensitive personal data of all citizens. The fact that the secrecy option shall be used restrictively does not change that intrusion into the protected sphere according to the plan is a violation that requires special grounds.
Original (Swedish)
Planen kräver att den personliga integriteten har ett starkt grundlagsskydd och att det offentliga tillämpar stor försiktighet och respekt för integriteten vid hantering av personuppgifter. En individbaserad registerinsamling av hushållens tillgångar och skulder innebär just en sådan hantering av känsliga personuppgifter om alla medborgare. Att sekretessmöjligheten ska nyttjas restriktivt ändrar inte att intrång i den fredade sfären enligt planen är en kränkning som kräver särskilda skäl.
- caution with personal datadecisive»offentliga måste tillämpa stor försiktighet och respekt för den personliga integriteten vid hantering av personuppgifter.« (party programme ↗)“public authorities must apply great caution and respect for personal integrity in the processing of personal data.”
- constitutionally protected integrity»Den personliga integriteten ska ha ett starkt grundlagsskydd och det« (party programme ↗)“Personal integrity shall have strong constitutional protection and the”
- the protected sphere»Intrång i den fredade sfär som varje person bör vara garanterad innebär att den personliga« (party programme ↗)“Intrusion into the protected sphere that every person should be guaranteed means that personal”
- restrictive secrecy»Sekretessmöjligheten ska nyttjas restriktivt.« (party programme ↗)“The secrecy option shall be used restrictively.”
The plan protects personal integrity against infringements of privacy, which argues against individual-based register collection of households' assets and debts.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The plan protects personal integrity against infringements of privacy, which argues against individual-based register collection of households' assets and debts. Where the plan accepts register-based mapping, it is for a limited purpose: to stop benefit fraud. There is no commitment to broader statistics on individuals' finances.
Original (Swedish)
Planen slår vakt om den personliga integriteten mot intrång i privatlivets helgd, vilket talar emot en individbaserad registerinsamling av hushållens tillgångar och skulder. Där planen accepterar registerbaserad kartläggning är det för ett avgränsat syfte, nämligen att stoppa bidragsbrotten. Något åtagande om bredare statistik över enskildas ekonomi finns inte.
- protected personal integritydecisive»Den personliga integriteten ska värnas, såväl från intrång« (party programme ↗)“Personal integrity shall be protected, both from intrusion”
- register data for limited purpose»Genomföra en nationell folkräkning för att stoppa bidragsbrotten« (2022 manifesto ↗)“Conduct a national census to stop benefit fraud”
The counter-proposal wants to build up individual-based statistics on household assets and liabilities beyond today's sample.
Plan documents: party programme · 2022 manifesto
Reasoning and quotes
The counter-proposal wants to build up individual-based statistics on household assets and liabilities beyond today's sample. The plan lacks a position on the question, but its closest principles are respect for taxpayers' money and a minimum of bureaucracy in all public operations and a strengthened fundamental law protection for property rights. A new register-based collection on individuals' finances therefore does not align with the plan's direction, but the conclusion is weakly founded.
Original (Swedish)
Motförslaget vill bygga upp individbaserad statistik över hushållens tillgångar och skulder utöver dagens stickprov. Planen saknar ställningstagande i frågan, men dess närmaste principer är respekt för skattebetalarnas pengar och ett minimum av byråkrati i all offentlig verksamhet samt ett förstärkt grundlagsskydd för äganderätten. En ny registerbaserad insamling om enskildas ekonomi ligger därför inte i planens riktning, men slutsatsen är svagt underbyggd.
- minimum bureaucracydecisive»minimum av byråkrati skall genomsyra all offentlig verksamhet.« (party programme ↗)“minimum of bureaucracy shall permeate all public operations.”
- strengthened protection for the individual»Förstärka grundlagens rättighetsskydd vad gäller yttrandefrihet, äganderätt och frihet från religion« (2022 manifesto ↗)“Strengthen the fundamental law's rights protection regarding freedom of expression, property rights and freedom from religion”
- scale back unnecessary expenditure»Skala bort onödiga utgifter i det offentliga« (2022 manifesto ↗)“Scale back unnecessary expenditure in the public sector”
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Sources and documents
- The committee report on riksdagen.se (2025/26:FiU22)
- Committee report full text (HD01FiU22)
- Per-MP voting data (API)
- Case status (API)
Documents under consideration
- Motion 2025/26:1020 — Förbud mot spårbara och programmerbara statliga betalningsmedel samt stärkt rätt till kontanter av Elsa Widding (-)
- Motion 2025/26:1163 — Införande av ett nationellt förmögenhetsregister av Adrian Magnusson (S)
- Motion 2025/26:1208 — Utökat ansvar för banker vid bedrägerier av Adrian Magnusson (S)
- Motion 2025/26:1239 — Förutsättningar för ökat bostadsbyggande av Niklas Sigvardsson m.fl. (S)
- Motion 2025/26:1289 — Sänkta amorteringskrav på bostadslån av Ann-Sofie Lifvenhage (M)
- Motion 2025/26:1290 — Kontanter som betalmedel av Ann-Sofie Lifvenhage (M)
- Motion 2025/26:1295 — Rätten att kunna betala sina fakturor via giro av Sten Bergheden (M)
- Motion 2025/26:1362 — Stärkt rätt till banktjänster och motverkad finansiell exkludering av Dzenan Cisija (S)
- Motion 2025/26:1494 — Förenklande av processen att byta bank av Eric Westroth (SD)
- Motion 2025/26:1499 — Möjlighet för barn- och ungdomsrörelsen att få tillgång till och inneha bankkonton av Adrian Magnusson (S)
- Motion 2025/26:1604 — Trygg och tillgänglig kontantförsörjning i hela Sverige av Malin Danielsson (L)
- Motion 2025/26:177 — Skatteflykt av Ilona Szatmári Waldau m.fl. (V)
- Motion 2025/26:2153 — Anhöriga till person i politiskt utsatt ställning av Sten Bergheden (M)
- Motion 2025/26:2187 — Säkra kontanter som betalningsmedel av Sten Bergheden (M)
- Motion 2025/26:2322 — Bankkonto för barn och ungdomar av Sten Bergheden (M)
- Motion 2025/26:2324 — Förenklingar för PEP av Ann-Sofie Lifvenhage (M)
- Motion 2025/26:2325 — Tillgång till eget bankkonto av Ann-Sofie Lifvenhage (M)
- Motion 2025/26:2406 — Frysta ryska tillgångar till Ukraina av Markus Wiechel (SD)
- Motion 2025/26:2436 — Betaltjänster och kontanthantering av Saila Quicklund (M)
- Motion 2025/26:2441 — Statligt ägande av Oliver Rosengren och Gustaf Göthberg (båda M)
Source: The Swedish Parliament