The Law On Pawnshops

Original Language Title: Laki panttilainauslaitoksista

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Read the untranslated law here: http://www.finlex.fi/fi/laki/ajantasa/1992/19921353

In accordance with the decision of Parliament: Chapter 1 General provisions article 1 (15.8.1997/769) pawn shops for the operation of the facility is a limited liability company set up by pawn shops, which have received the permission to do so. Pawn shops in the law setting out the activities of the business, for the purposes of this appropriation, the loans to natural persons, the provision of movable deposit. Pawn shops, the institution does not accept deposits or other repayable funds from the public.
The borrower is not personally liable for the loan. The pledge, which can only be a cash security deposit, is the only guarantee of the loan.

section 2 of the security deposit lending business may be carried out only for pawn shops.
This law does not apply to the lending of movable deposit fisheries, as provided for in other parts of the law.

section 3 (22 December 2009/1430) in compliance with the laws of the controls of the Central Government authority for the southern Finnish regional State administrative agency (regional government).

3. (a) section (27th/748) of an exception to the provisions of this law to the detriment of the borrower, shall be null and void.
Chapter 2 establishment of the section 4 (22 December 2009/1430) pawn shops conduct must apply for a regional government agency. A licence may also be granted to set up registration of pawn shops before.
The application for authorisation shall be necessary for a statement of the owners of the establishment and their ownership of the pawn shops of its contribution, the Administration does not regulate the management, as well as individuals. The application shall be accompanied by the articles of incorporation. The regional government agency has the right to require the other reports it considers necessary. Pawn shops, the authorisation of the institution of the place of the application is to ask the person concerned to the police statement.
Authorisation shall be granted also in another country of the European economic area, the Statute for a European company (SE) of the corresponding authorised the rules laid down in Council Regulation (EC) No 1782/2003 n ° 2157/2001, hereinafter referred to as the eurooppayhtiöasetus, to the company, which plans to move its head office in Finland, in accordance with article 8 of the regulation. Not be registered before the approval is issued. The same applies to the creation of a European company statute in such a way that the host company, whose head office is situated in another State is registered in eurooppayhtiönä in Finland.

section 5 (22 December 2009/1430) pawn shops is to be granted, if the owners of the establishment and management of pawn shops to the reliability of the people and on the basis of a report and the suitability of the other can be used to ensure that the institution will be the lead professional pawn shops, reliably and in accordance with the principles of their business and that the pawn shops the institution otherwise comes to comply with the provisions of this Act.
The regional government authorised, after consultation with the applicant, the Agency has the right to set to work on the business of the institution I promise I will pawn shops, the necessary conditions for the purposes of supervision.

5. (a) in section 5 (a) (b) – – 5 5 (b) the section has been repealed on 19 December 2008 the L:lla/892.

section 6 of the pawn shops the institution share capital shall not be less than one million markkas [FIM].
The share capital is fully paid in money before pawn shops.

section 7 of the pawn shops, in addition to the statutes of the institution is what limited liability company Act (624/2006), provide for: (21 July 2006/640) 1) how pawn shops of the plant and the offices of the Administration will be held; page
2) member of the Board of Directors, President and ceo, as well as an alternate, if the Vice President is chosen, the right to belong to the second Vice President in the administration of the business of the company; as well as (15.8.1997/769) 3) who are eligible to write the name of the institution.

section 8 – 8 to 9 section 9 is repealed L:lla 15.8.1997/769.

section 10 (22 December 2009/1430) on the establishment of pawn shops and establishments of the institution shall be notified to the regional Government Office.

section 11 (22 December 2009/1430) before pawn shops must provide the institution of the regional State administrative agency: 1) complete the registration by the registration authority of the institution, an extract from which is included in the articles of Association;
2) Board, the members and alternate members of the Executive Director, as well as, if the Vice President is chosen, the Vice President, the names of the Auditors and Deputy, citizenship and place of residence;
3) an explanation of how the pledges will be retained, as well as how the pledges are assured.
If the information referred to in paragraph 1, it shall, without delay, inform the regional agency.

11 (a) of section (22 December 2009/1430) pawn shops, before the start of the operation of the Office of the Management Board shall inform the area they pawn shops the institution who own at least 10% of the issued share capital or with a share of the produce at least 10% of the voting shares of the institution, or otherwise for the use of an assimilated in the management of the institution, the influence of pawn shops, as well as the amount of a uniting of interests. The notice must provide the necessary information and the amount of the share of its owner. Pawn shops establishment shall immediately inform the reported change in the ownership of the shares.
If the regional government agency identifies a percentage of ownership a threat to pawn shops and a healthy body a prudent business, the regional government agency may prohibit the exercise of the owner's share of the vote.
The regional government agency can provide more accurate reporting of the information referred to in this article, the provisions of the regional Government Office.

section 11 (b) (22 December 2009/1430) was the holder of the authorization shall provide the Agency with copies of the audit report and the regional Government of the decision, including its annexes, of the account within two months, the profit and loss account and the balance sheet. The holder of the authorization shall also be promptly informed of the management task area to the Agency a statement of the change of members of the Board of Directors and the Managing Director and be accompanied by a report of the Executive Director.
Chapter 3, section 12, of the management and audit of the pawn shops in the Government institution must have at least three members and at least one member.
Pawn shops in the Department must be the ceo. The provisions of this law provides for the Managing Director, it is correspondingly apply to the Executive Director, if the Vice President is elected. (15.8.1997/769) section 13 (18.9.2015/1149) on the audit of the financial statements of the institution shall be valid for pawn shops, what the Court of Auditors (11/15), a company incorporated under the law and in the law.
Pawn shops the institution of the annual general meeting is adjusted for each fiscal period would be selected from at least two auditors and one alternate auditor. At least one auditor and deputy auditor shall be a CHARTERED ACCOUNTANT-auditor or the audit firm, the lead Commission auditor must be a CERTIFIED PUBLIC ACCOUNTANT-auditor.
L:lla 1149/2015 amended section 13 shall enter into force on the 1.1.2016. The previous wording is: section 13 (13 April 2007/478) on the audit of the financial statements of the institution shall be valid for pawn shops, what the Court of Auditors Act (459/2007), a company incorporated under the law and in the law.
Pawn shops the institution of the annual general meeting is adjusted for each fiscal period would be selected from at least two auditors and one alternate auditor. At least one auditor and deputy auditor must be article 2 of the law of the Court of Auditors of the firm of audit firms as referred to in paragraph 2,-or.

13 (a) of section (18.9.2015/1149), the National Board of patents and registration shall deposit lending institution of the qualified auditor, if: 1) section 13 of the provisions have not been complied with;
2) auditor is not auditing Chapter 4, 6 or 7 as referred to in article; or 3) the number of statutory auditors established by virtue of articles of Association, or of a breach of an order.
The National Board of patents and registration shall request the opinion of the Board of Auditors in the case referred to in paragraph 2 on the issue of independence before it.
The National Board of patents and registration is valid until the auditor referred to in subparagraph (1) to replace the selected auditor.
The regional government agency shall provide to the institution of the Finnish companies Act, pawn shops, Chapter 7, paragraph 7, of the provision referred to.
National Board of patents and registration and the regional government agency may term to distinguish whether the auditor from Office.
L:lla 1149/2015 amended 13 section (a) shall enter into force on the 1.1.2016. The previous wording is: 13 (a) section (22 December 2009/1430) regional government agency shall provide for pawn shops qualified auditor to the institution, if: 1) section 13 of the provisions have not been complied with;
2) auditor is not auditing as referred to in article 24 or article 25 independence; or 3) the number of statutory auditors established by virtue of articles of Association, or of a breach of an order.
The regional government agency shall request the opinion of the Board of the Central Chamber of the Court of Auditors under paragraph 2 in the case referred to in paragraph 1, on the issue of independence before it.
The regional Government of the Agency's order is in force pending determination of the auditor referred to in paragraph 1, to replace the selected auditor.
The regional government agency shall provide to the institution of the Finnish companies Act, pawn shops, Chapter 7, paragraph 7, of the provision referred to.
Regional State administrative agency may term to distinguish whether the auditor from Office.
section 14 of Chapter 4 of the business of pawn shops the institution shall not only be secured lending business and related activities.
Pawn shops the institution be allowed to own shares and shares of the only other pawn shops and communities who are engaged in activities relating to the lending of hostage immediately or to the institution of ownership is otherwise necessary.

In addition, what provides, pawn shops for the operation of the institution shall obtain the necessary real estate property owned by pawn shops and units or shares of the real estate community. Other real estate and shares in pawn shops the institution shall not owned only by a specific reason with the permission of the financial supervision authority. (15.8.1997/769), section 14 (a) (27th/748) of the loan of advertising shall be informed of the loan annual percentage rate of charge, if the interest rate on the loan or other loan occurs on the advertising cost figure or other terms and conditions of the loan. In addition, advertising is in this case, the following information: 1) of the loan interest rate and other charges for the cost of borrowing and the pledge;
2) the amount of the loan;
3) loan duration of the contract;
the total cost of the loan and the loan of 4).
The annual percentage rate of charge and the other information referred to in paragraph 1 shall correspond to the normal conditions of the loan offered by the pawn shops of the institution. The method of calculation of the annual percentage rate of charge and the Ministry of Justice provides for the regulation to be used in calculating the assumptions.

14 (b) of section (27th/748) pawn shops the institution is lending to proceed in a responsible manner. In particular, that the pawn shops, the institution does not market the loan in such a way that the marketing is capable of clearly to undermine the ability of the applicant to carefully consider a loan into the loan.

section 15 (30 January 1998/77) pawn shops facility may not receive the item, unless referred to in pantattavaksi panttaaja click the proven their identity and not of legal age or if there is reason to believe that the panttaajalla have the right to pledge the object.

15 (a) in the section (27th/748) pawn shops before the conclusion of the loan agreement to provide a loan to the applicant, the following information: 1) the amount of the loan;
the interest rate on the loan, as well as the other 2) lending and banking charges for costs;
3) when the loan is due.
4) other loan terms;
5 article 19, the right to do so) to repay the credit early and the determination of the compensation of any sum to be paid;
6) the annual percentage rate of the loan.
The loan, at the request of the applicant, it must provide the information in writing to the pawn shops or on another durable medium.

section 16 of the borrower shall provide the holder set voucher.
At the request of the borrower's deposit slip to write his name and having the entry, the receipt may be transferred only to a designated person. The provisions of this law, the holder of the deposit receipt shall also apply to the person to whom the receipt in the deposit as referred to in sub-section has been transferred and who is in possession of a receipt.
When a deposit receipt has been transferred to the transferee, the designated person shall be informed of the shipment, at the risk of the person concerned, that the successor in pawn shops the institution loses the right to redeem the pledge.

section 17 of the deposit slip is a major loan to the serial number, the date, the due date of the loan, immovable property, the loan principal, the interest, the cost of borrowing and the pledge of the loan from the corresponding amount of compensation as well as the terms of the loan. The interest rate and other loan costs referred to above, is a significant amount of money in a deposit slip. In addition, the receipt shall include the number and, where appropriate, the quality and the pledged assets is a measure of weight. (15.8.1997/769)
Pawn shops facility shall keep a record of the information referred to in paragraph 1, from which it follows. In addition, the borrower shall be entered in the register the name, home address and social security number, and, if the deposit receipt may be transferred only to a designated person, the entry for this, as well as on the possible transfer of a deposit receipt.

section 18 (27th/748) For loan pawn shops the institution has the right to charge interest, in addition to compensation, equivalent to the cost of borrowing and the pledge. The interest rate on the deposit slip marker and other loan costs the amount of the compensation shall not be responsible for the loan during the change of the borrower.
In advance of secured lending institution is not allowed to charge interest or other loan costs.

section 19 (27th/748) of the loan must be less than or equal to one year.
A deposit receipt holder has the right to redeem the pledge before the maturity of the loan, the interest rate on the loan, as well as run the capital and other costs of the loan for the period agreed upon, which is to the credit of the borrower at the time of use. Each started month loan period start date is calculated in this case, a full month.
The loan can be renewed. On the reform of a new deposit receipt or other written agreement of the holder of the receipt of the institution and pawn shops.

section 20 of the hostages, a quote from the plant shall be made available, the deposit, the holder of the receipt point to evidence their identity.

section 21, Chapter 10, section 2 of the trade cycle, What the Act shall not apply to the sale of the pledged assets held by the institution of pawn shops.
If security has been given to the shares which confer the right to manage the apartments, each of which are either exclusively or mainly intended to be used in the residence, after the expiration of the loan to the borrower is notified after the due date. The notice must indicate that the loan be paid to run the loan principal, interest and other costs of the agreed loan deposit receipt within two months of the notification, the pledge is sold. The notification shall contain also an indication of the fact that shares can be referred to in this paragraph under section 22, the owner of the requirement to sell the property through an intermediary. (15.8.1997/769), no later than the due date of the loan subject to section 22 of the deposit is refundable and non-changeable, pawn shops in the Department have the right to take measures if there is a lien sale. The plant is to be sold at auction, hostage. Article 21 (2) of the said shares are of the borrower, or if they are owned by a person other than the borrower, however, at the insistence of the owner to sell the property through an intermediary.
Pawn shops must not be sold under the deposit in the past as a month after the due date of the loan, or section 21, in the case referred to in paragraph 2 within two months of receipt of the notification, unless the holder of the deposit receipt to enter the suostumustansa pledge to sell in the past. Without the permission of the holder of the deposit receipt of a lien may be sold later than four months after the due date of the loan only if the sales price of the seasonal fluctuations or other reason for the impact of the pledge. (15.8.1997/769)
As long as the deposit is still the holder of the right to redeem the pledge not to sell is a receipt for a deposit run pawn shops loan capital, the interest rate and the other to the institution of the agreed cost of borrowing, as well as compensation for the costs incurred in the sale of action for an injunction. In addition to the interest rate of the loan period, the sum payable for default interest will be charged from greater than four months from the due date. (15.8.1997/769)
The sales of the article 21 of the said shares, through a real estate agent is to have them be sold no later than four months referred to in subsection 2 of section 21, the date of receipt of the notification, provided that the institution does not give consent for longer secured loan sales at the time. If the pawn shops the institution does not agree a longer sales period, moves to the pledge for sale at the auction. (15.8.1997/769), section 22 (a) (15.8.1997/769) pawn shops may buy the pledge itself at a public auction. Pawn shops the institution has the right to sell such goods.

pursuant to article 23 of the gold and silver objects, which you can easily find out the value of the metal, may not be sold for less than their metal value.

section 24 (15.8.1997/769) of the securities market Act (495/1989), Chapter 1 of the securities referred to in paragraph 3, however, is without prejudice to the first subparagraph of article 22, to be sold in accordance with the Finnish securities market Act Chapter 3, at the time of the sale to public trading on the stock exchange or market price.

section 25 (15.8.1997/769), pawn shops, the establishment must, without undue delay, notify the pledge that has arisen from the sale of the surplus to the borrower or to the transferee if the surplus is $ 300 or more.
Pawn shops, the surplus shall be paid to the holder of the deposit receipt of the establishment, or to the person in accordance with section 27, which would have to redeem the pledge. The requirement for the payment of the surplus must be brought within one year from the date of sale. Otherwise, the pawn shops in the Department have the right to any surplus. Pawn shops in the Department is under no obligation to pay for the surplus.
Pawn shops, the institution does not not charge from the sale of the pledged assets generated deficit.

section 26, if the voucher is lost, is it, for which a receipt is lost, immediately inform the institution of the loss and when the pawn shops and the way in which the disappearance occurred.
Pawn shops the body shall keep the list of lost of the deposit slips for the special. Any person shall have the right to get information about this list, only to the extent that the question is, and I quote him on. The same right is it, to whom the voucher is in accordance with the third paragraph of article 16. (15.8.1997/769)
If a deposit receipt for the missing reported by other than the borrower, the borrower shall notify the fact that the deposit receipt is reported missing.

under section 27, If the borrower or for which a deposit receipt has moved, has announced that it has lost the deposit receipt, he shall redeem the lien, unless anyone else require a right to it. Redemption is possible, the loan eräännyttyä or when one month has passed since the 26 on the list referred to in paragraph (2). The deposit is redeemed, however, not later than two months after the due date of the loan. (15.8.1997/769)

If a deposit receipt for the missing reported by other than the borrower, he may redeem the lien, unless anyone else require the right trainer, two months after the due date of the loan or, if section 26 of the Declaration referred to in paragraph 3, after the due date, is two months of their notification, at the latest.

Article 28 if there is reasonable grounds to suspect that the pantattavaksi for the object has been stolen or tampered with, by the way, is that panttaaja got possession of the object, pawn shops, the establishment must immediately inform the esitutkintaviranomaiselle. The same is required if there is good reason to believe that the holder of the deposit slip or a receipt of the deposit referred to in section 27 of the missing informed the person fraudulently, without the legal right to require to redeem the pledge.
Significant economic value by way of derogation from article 1, panteista is valid, what and how to determine whether the law on the prevention of money laundering (68/1998). (30 January 1998/77) 28 (a) of section 28 (a) (b), 28-28 (b) the section has been repealed as part of the L:lla/77.

section 29 of the Pledges will be a prudent basis insured against damage.
Chapter 5 miscellaneous provisions article 30 (22 December 2009/1430) pawn shops facility shall apply to the share of companies legislation, unless this Act provides otherwise.
The stock of the companies Act, Chapter 6, section 10 of the Act and section 19 of the licence referred to in paragraph 1, the institution of the regional State administrative agency to give pawn shops.

section 30 (a) (22 December 2009/1430) If the institution is planning to move its head office in the secured lending in the European economic area, forming part of another State as provided for in article 8 of the eurooppayhtiöasetuksen, the management of the establishment must be sent to the area pawn shops to the Agency a copy of the eurooppayhtiöasetuksen referred to in article 8 (2) and (3) the transfer of the plan and report without delay to the quote from the Department has announced a plan for registration.
The registration authority shall not permit a eurooppayhtiölain (779/2004) section 9 of the certificate referred to in paragraph 5, if the area of the administration of the Office has notified to the registry authority in advance of the granting of the authorisation referred to in paragraph 2 of the same paragraph, that pawn shops the institution has not complied with the transfer of the seat of the provisions of the winding-up or in Finland. The licence may be issued until a month has passed since the companies Act Chapter 16, section 6, subsection 2 of the deadline referred to in only if the regional State administrative agency has announced, that it had no objection to the transfer of the seat of the.

section 30 (b) (22 December 2009/1430) if the body is involved in the cross-border merger pawn shops or Division within the European economic area, the registration authority shall not give such a merger eurooppayhtiölain on article 4 or article 26 of the companies Act, Chapter 16, or of chapter 17 of the certificate provided for in article 25, the Office has notified to the registry if the regional government authority prior to the granting of the authorisation referred to in paragraph 2 of the same paragraph, that pawn shops the institution has not complied with the merger, Division or the provisions of the winding-up in Finland. The licence may be issued until a month has passed since the companies Act Chapter 16, section 6, paragraph 2 or article 6 of chapter 17 of the deadline referred to in paragraph 2 only if the regional State administrative agency has announced, that it had no objection to a merger or Division.

Article 31 of the pawn shops in the name of the institution must be the word pledge.
Only pawnshops are allowed to use the name, or else its activities to define your referred to as "" the pledge ". The ban shall be referred to as "" in the name of "hostage" to use the work, or to describe the activities, if it is obvious that the use of the name refers to the activities of the institution misleadingly pawn shops. (15.8.1997/769), section 32 (15.8.1997/769), section 21 of this Act, subsection 2 of section 25 (1), and article 26 of the Declaration referred to in paragraph 3, shall be deemed to have been concluded when the message is posted in a letter sent to the borrower or the successor in title is given or pawn shops the institution by the way.

33 section (15.8.1997/769), a member of the Board of the institution and pawn shops making Member, Chief Executive Officer, and Executive Vice President of the institution, if it is selected, the Executive Vice President, Branch Manager, Auditor, and on the mandate of the mission, the staff member or the person is required to keep a secret, what he has in his position have discovered the body of the client, or someone else's private circumstances, financial status, commercial or professional secret. Confidential information will not be given either to the annual general meeting and the shareholders.
Pawn shops in the Department is required to provide the information referred to in subparagraph (1) the Prosecutor and the investigation of crimes, as well as the Act of esitutkintaviranomaisille the way of access to a legitimate authority.
Pawn shops in the Department have the right to give the information referred to in paragraph 1 of the law on credit institutions (610/2014), Chapter 1, section 7 (1) of the same group as referred to in the credit institution, if the disclosure is necessary for the host of the credit institution's risk management. (8.8.2014/634), section 34 (19 December 2008/892), section 34 is repealed on 19 December 2008 the L:lla/892.

Article 35 (15.8.1997/769), the founder of the institution, a member of the Board of pawn shops and making Member, Managing Director and Executive Vice President of the institution, if it is selected, the Executive Vice President and a member of staff is required to compensate for the injury, which he has intentionally or negligently caused to the borrower or to the holder of a receipt, or by any other person hostage in violation of the law or the articles of Association.
Pawn shops the institution shareholder is obliged to compensate the damage which he contributing to the violation of this law or of the articles of Association, deliberately or through gross negligence has caused the pawn shops, the institution to the shareholders or to any other person.

Article 36 conciliation, as well as the distribution of the compensation liability of two or more korvausvelvollisen is valid, what are the damages Act (412/74) in Chapter 2 and 6.

37 section (21.4.1995/609) That 1) engaging in pawn shops in breach of the law or (2) the operation of this) to leave without making the notification provided for in article 28 of the Act, is to be condemned, in the absence of the rest of the Act provide for a more severe penalty, pawn shops for an offence to a fine or imprisonment for not more than six months.
The penalty of the obligation of secrecy provided for in article 33 violations of the condemnation of the criminal code, chapter 38, section 1 and 2, unless the Act elsewhere in the Act provide for a heavier penalty. (30 January 1998/77) section 38 (15.8.1997/769) Which 1) violating the article 1, points (a), 14, 15, 18, 20, 22, section 23 of the Act or section 25 of the prohibition provided for in paragraph 3, or 2) fails to comply with section 16 (1) and (2), article 17, article 21, article 22 (1), (2) and (4), section 25 (1) and (2) , section 26 (2) and (3) or section 29 of the Act is to be condemned, if not otherwise provided by law or on the rest of the more severe penalty, pawn shops, breach of a fine.
Pawn shops infringement must also condemn a member of the Board of the pawn shops of the institution making the application or, if a member, Managing Director, Executive Vice President of the institution is selected, the Vice President, or the person who intentionally provides to the authorities of the institution or any of its customers on false or misleading information. The same applies to the pawn shops the institution Auditors who knowingly gives false information or leave without a reminder or notification of the code of conduct or abuse you.

section 38 (a) (30 January 1998/77) 38 (a) in the section has been repealed as part of the L:lla/77.

39 section (2011/469) When the offence or contravention which this law has been infringed, it is only the private rights, not the public prosecutor should not make it a charge, unless the owner has not indicated that the prosecution be placed in.

40 section (22 December 2009/1430) regional government agency shall prohibit the pawn shops, which is carried out without the authorization provided for in this Act.
If the holder of the authorisation fails, what its duty is in the law, or the prevention of money laundering and the financing of terrorism and how to determine whether the Act (503/2008) provided for, or the holder of the authorization basis, the regional Government Office may request the holder of the authorisation, to fulfil their obligations within the time limit.
Regional State administrative agency may make the prohibition referred to in this article or letter was the purpose of the periodic penalty payment. The prohibition referred to in subparagraph (1) above, however, has stepped up the threat of a fine, unless it's for a special reason, not unnecessary. The periodic penalty payment to be paid by Hämeenlinna administrative court condemns. The threat of the fine provided for in the remainder of the penalty (1113/1990).

40 (a) of section (22 December 2009/1430) regional government agency shall withdraw the authorization if: 1) pawn shops body is essentially a violation of any law, regulation or authority pursuant to the provisions laid down by or provided by or those where the conditions laid down for the grant of no longer exists;
2) quote from the body has ceased its activity for more than 6 months;
3) pawn shops the operation of the plant is not started within 12 months of the grant of a licence; or 4) when applying for the authorization has been given false information.
If the area under the administrative agency to withdraw the deposit for the lending institution at the same time, the regional government agency may issue orders on how the end of operation must be carried out.
The regional government agency shall notify the registration authority of the withdrawal.

If the withdrawal of the authorization would be disproportionate in the circumstances, the regional government, the Agency may, instead of giving the holder of the authorization of the written warning.
The regional government, the Agency may, on application by the institution to withdraw a deposit loan pledge lending institution if the institution has decided to stop in case of secured lending activity. The authorization referred to in this paragraph shall be withdrawn, under 2 and 3 above.

40 (b) of section (22 December 2009/1430) regional State administrative agency has the right to control, as well as the withdrawal of the authorisation and for the processing of the necessary information on the implementation of the law on the criminal record and fine (672/2002) the register referred to in section 46 of the fine.
The regional government agency has the right to request to work notwithstanding the provisions on secrecy, the holder of one authorization to the holder for the purpose of monitoring compliance with this law, other relevant information.

section 40 c (7.8.2015/948) 5, 40 and 40 (a) of decision may be appealed to the Administrative Tribunal by the administrative act (586/1996).
The rest of the decision may be to require an adjustment in the way the Administration Act (434/2003). The adjustment to the requirement of the decision may be appealed by appealing to the Administrative Court, as administrative law.
The decision of the administrative law, the prohibition referred to in article 40 and 40 (a) withdrawal of the authorization referred to in article on the matter may be appealed to the administrative law. The rest of the decision may be appealed only if the Supreme Administrative Court grants leave to appeal.
In this Act, a decision as referred to in the event of the withdrawal of authorisation is the appeal by comply, subject to the appeal.
L:lla 948/2015 changed to 40 (c) the section shall enter into force on the 1.1.2016. The previous wording: article 40 (c) (19 December 2008/892) on how to challenge a decision provided for under this law, administrative act (586/1996).
In this Act, a decision as referred to in the event of the withdrawal of authorisation is the appeal by comply, subject to the appeal.

section 41 the provisions of this law shall be adopted, where the need for more detailed implementation of the regulation.
Chapter 6, section 42 of the entry into force of this law shall enter into force on 1 January 1993. In this law: 1), inter alia, the right to professional pawn shops of the movement regulation of 19 April 1898;
with an eye on pawn shops 2) institutions Declaration of 19 April 1898; as well as 3) the pawn shops of establishments to a reviewer who on 19 April 1898 Statute.
Before the entry into force of this law may be taken to implement the necessary measures.

Article 43 of this law, except article 4 to 5, also applies to the entry into force of the laws of the pawn shops before the carrying on of an authorised deposit lending facility. Such a body must be lodged within two years of the entry into force of the laws of the order and the confirmation of the company statute.
Before the entry into force of this law on pledge of the agreement at the date of entry into force of this law shall, however, remain in force.
THEY TaVM 53/267/92, 92 acts entry into force and application in time: 21.4.1995/609: this law shall enter into force on 1 September 1995.
THEY'RE 94/93, SuVM LaVM 22/94, 10/94 15.8.1997/769: this law shall enter into force on 1 September 1997.
Pawn shops, the establishment must be amended to comply with this Act, the statutes within two years of the entry into force of the law.
Pawn shops within one year of the entry into force of the law of the institution is to notify the financial supervisory authority referred to in article 11 (a) deposit the amount of the lending institution and holdings.
Pawn shops the institution shall, within two years of the entry into force of the law to apply for a section 14 (3) of the financial supervision authority for the authorisation, if the pawn shops the institution owns the real estate and real estate corporations referred to in the laws of the shares or units.
Before the entry into force of this law shall continue to apply to the contract on pledge prior to the entry into force of this law, the provisions in force.
THEY'RE 16/15/1997, 1996, TaVM EV 83/1997, of 30 January 1998/77: this law shall enter into force on 1 March 1998.
THEY 158/1997, HaVM 26/1997, EV 221/1997, Council Directive 91/308/EEC, 27.6.2003/598: this law shall enter into force on 1 July 2003.
If the Ministry is retrieved in the authorisation referred to in the law prior to the entry into force of this law, the date of entry into force of this law shall apply to the processing of the existing law.
THEY are 175/2002, 27/2002, TaVM EV 277/2002 13 August 2004/757: this law shall enter into force on 8 October 2004.
THEY'RE 55/2004, TaVM 13/2004, EV 107/2004, Council Regulation (EC) No 1782/2003 n ° 2157/2001 (32001R2157); OJ No l L 294, p. 1, 8.10.2001 on 21 July 2006/640: this law shall enter into force on 1 September 2006.
THEY TaVM 7/109/2005, 2006, EV 63/2006 of 9 February 2007/142: this law shall enter into force on 15 February 2007.
THEY'RE 21, 25/06/2006 TaVM, EV 252/2006 13 April 2007/478: this law shall enter into force on 1 July 2007.
THEY are 195/2006 TaVM 33/2006, EV 293/2006 28 December 2007/1429: this law shall enter into force on 31 December 2007.
THEY'RE 103/2007 TaVM 8/2007, EV 115/2007 of the European Parliament and of the Council Directive 2005/56/EC, OJ No L L 310, July 12, 2005, pp. 1-19 December 2008/9 892: this law shall enter into force on 1 January 2009.
THEY'RE 66/2008 20/2008, EV, TaVM 109/2008 22 December 2009/1430: this law shall enter into force on 1 January 2010.
Before the entry into force of this law may be to take the measures needed to implement the law.
THEY 161/2009, HaVM 18/2009, EV 205/2009 27 August 2010/748: this law shall enter into force on 1 December 2010.
Contracts concluded prior to the entry into force of this law shall apply to the entry into force of this law, the provisions in force.
THEY'RE 24/10/2010, 2010, TaVM EV 89/2010 of the European Parliament and of the Council Directive 2008/48/EC (308L0048); OJ No l L 133, 22 May 2008, p. 66, of the European Parliament and of the Council directive 2009/22/EC (309L0022); OJ No l L 110, 1.5.2009, p. 30, 2011/469: this law shall enter into force on 17 May 2011.
THEY LaVM 34/286/2010, 2010, EV 311/2010 8.8.2014/634: this law shall enter into force on 15 August 2014.
THEY'RE 39/2014, TaVM 6/2014, EV 7.8.2015 62/2014/9: this law shall enter into force on the 1 January 2016.
On appeal before the entry into force of this law shall apply to the Management Board on the date of entry into force of this law, the provisions in force.
THEY'RE 230/26/2014 2014, LaVM, EV 319/2014 18.9.2015/1149: this law shall enter into force on the 1 January 2016.
THEY TaVM 34/254/2014, 2014, EV 371/2014