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In accordance with the decision of the Parliament:
This law concerns insurance mediation.
Insurance mediation means the preparation of an insurance contract, the conclusion of an insurance contract and assistance in the management and performance of an insurance contract, such as the presentation and comparison of insurance solutions, The award of an insurance contract and the grant of an insurance contract in the event of an accident.
However, the insurance mediation does not include:
(1) the activities of the insurer or of this worker;
(2) the occasional disclosure of insurance information in connection with any other business or professional activity, where the purpose of the activity is not to help the client conclude or apply an insurance contract;
(3) settlement of damages, damage assessment and compensation for the insurer.
This law shall not apply to insurance mediation if:
(1) requires information only on the insurance cover provided;
(2) the insurance contract does not cover life insurance, liability insurance and paragraph 5;
(3) insurance mediation is carried out in addition to the principal business or professional activities of the person;
(4) the annual premium shall not exceed EUR 500 and the insurance contract shall be valid for a maximum period of five years; and
(5) insurance mediation relates to insurance linked to the sale of goods or services by the trader and covering:
(a) the risk of defect, loss or damage to the goods; or
(b) risks associated with the scheduled journey, where life insurance cover and liability insurance cover are associated with the principal insurance cover.
Articles 19 to 23, 25 and 26, Article 28 (2) and (3), Article 29, Article 40 (2) to (4) and Article 41 and Article 41 of the Financial Supervisory Act shall not apply to insurance mediation for reinsurance. (878/2008) Provisions. This law shall not apply to insurance mediation carried out in Finland outside the European Economic Area, where the activity concerns only reinsurance and the activity is controlled in that country by at least the In an equivalent or equivalent manner. (19/12/2015)
Articles 6 to 13, 28 to 31 and 41 of this Act shall not apply to an insurance intermediary who is registered in a Member State other than Finland.
For the purposes of this law:
(1) The agent Any natural or legal person who carries out insurance mediation on behalf of and under the responsibility of the insurer;
(2) Insurance broker Any natural or legal person who carries out insurance mediation on the basis of a contract concluded with a client other than the insurer engaged in direct insurance;
(3) Insurance intermediary, The insurance broker and agent.
In addition to what is laid down in this law, the agents are subject to the provisions of the (543/1994) Paragraphs 1 and 2 and Article 9.
Insurance mediation may only be carried out in Finland by an insurance intermediary which is entered in the register kept by the Insurance Supervisory Authority ( Register of insurance intermediaries ) Or registered in a Member State other than Finland.
Upon request, the insurance supervisory authority shall register a natural person if:
1) his place of residence is in Finland;
2) he is of legal age, is not bankrupt and his capacity is not limited; and
(3) he is reliable in accordance with Article 11 and has professional qualifications in accordance with Article 12.
Upon request, the insurance supervisory authority shall register as an insurance broker a natural person if:
(1) satisfies the conditions laid down in paragraph 1, paragraphs 1 to 3;
(2) he is not one or more of the insurers in relation to the working or agent relationship, or in a contractual or non-contractual relationship which is liable to affect the interests of the insurance broker in breach of the interests of the client; and
3) he has liability insurance in accordance with Article 28.
Paragraph 2 (3) shall not apply to a natural person who carries out insurance mediation exclusively on behalf of the legal person referred to in Article 7.
Upon request, the insurance supervisory authority shall, if:
(1) it is registered in a trade register or similar public register and has its registered office in Finland;
(2) it has the right to engage in business insurance mediation in accordance with the law and its statutes or rules;
3) it is not bankrupt;
(4) in relation to the quality and scale of its business, the amount deemed sufficient by the Insurance Supervisory Authority for its management is registered as insurance intermediaries on the basis of Article 6, and that one has been appointed as the person responsible for the movement; and
(5) at least half of the persons involved in the exercise of insurance mediation, in accordance with their statutes or rules, or, in fact, the principal activity of a legal person pursuing the activity of insurance mediation; Are registered as insurance intermediaries under Section 6.
At the request of the Insurance Supervisory Authority, a legal person shall be registered as an insurance broker if:
(1) it fulfils the conditions laid down in paragraphs 1 to 5;
(2) it does not belong to one or more of the insurers in relation to the agent relationship, or in a contractual or ownership-based or otherwise dependent relationship which is likely to affect the interests of the client against the interests of the insurance broker; and
3) it has liability insurance in accordance with Article 28.
The register shall indicate the following:
(1) the full name, nationality, residence and address of the natural person registered as insurance intermediaries for which insurance mediation is carried out;
(2) the business name of the legal person registered as the insurance intermediary, the address of the place of business of which the insurance mediation is exercised, and the full name, nationality and residence of the person responsible for the movement;
(3) whether the insurance intermediary is acting as an insurance broker or an agent, whether insurance mediation is carried out in the form of head or secondary activities and, if the insurance intermediary is engaged in insurance mediation for the account of the legal person, the name of the legal person;
(4) whether insurance broker life insurance or non-life insurance or both insurance mediation is carried out and whether the insurance broker or insurance broker brokers money or other assets belonging to the client or insurer;
(5) the insurer's insurer and the amount of insurance;
(6) States in which the insurance intermediary intends to pursue insurance mediation on the basis of the freedom of establishment or the free provision of services, and the contact details of the insurance intermediary in those States;
(7) the calls and prohibitions imposed by the financial supervision of a periodic penalty payment imposed by Articles 38 or 48 of the Financial Supervision Act; (19/12/2015)
8) the date of registration, as well as the deletion of the register, and the cause and date of the registration.
The register shall also contain information on the prohibition of insurance mediation referred to in Article 38 (1) without registration or notification.
The entry referred to in paragraph 1 (7) shall be deleted from the register three years after the end of the year in which the request has been issued or the prohibition is imposed.
The insurance intermediary shall immediately inform the insurance supervisory authority if any of the conditions of registration is no longer fulfilled. The insurance intermediary shall also inform the Agency without delay of any changes to the information entered in the register and the termination of the business.
The insurance supervisory authority shall remove the insurance intermediary from the register if the insurance intermediary:
(1) has ceased operations; or
(2) no longer fulfils the conditions for registration provided for in Articles 6 or 7, and the deficiency has not been remedied within the time limit set by the Insurance Supervisory Authority.
Notwithstanding the provisions of paragraph 1 (2), a legal person who no longer has a nurse satisfying the conditions of registration shall not be removed from the register if the legal person informs the new equivalent Within the prescribed time limit.
An insurance supervisory agency may, on application by the insurance intermediary, grant an authorisation to derogate from the condition laid down in Article 7 (1) (5) if the failure to fulfil the condition results from an exceptional change of business and from the register Non-deletion is necessary due to the management of the customer relationship of the insurance intermediary.
If the insurance intermediary is declared bankrupt, the insurance intermediary shall remain in the register for six months.
The Insurance Supervisory Authority shall inform the competent authority of the State of the European Economic Area where the insurance intermediary is engaged in insurance mediation if the Agency has notified the Authority of: The establishment of insurance mediation in that country.
A natural person registered as an insurance intermediary must be reliable.
A person shall be considered to be reliable if he has not been convicted by a legal force during the last five years in terms of imprisonment and, over the last three years, a penalty for a criminal offence which may be considered as being Obviously unfit for insurance mediation. However, the person is not considered to be reliable if, otherwise, he has demonstrated that he is manifestly unfit for insurance as an insurance intermediary.
A natural or legal person who is directly involved in the pursuit of insurance mediation directly engaged in the pursuit of insurance mediation shall be sufficient, in relation to the quality and scale of the activity, Professional qualifications. He shall, in particular, be familiar with the policies he represents and the legislation necessary for the exercise of insurance mediation and good assurance as well as the practical measures necessary for the conduct of the activity.
A natural person registered as an insurance broker must have a professional qualification addressed to the insurance broker. In particular, the examiner shall be familiar with the legislation necessary for the exercise of insurance mediation and the good insurance brokerage and the practical measures necessary to manage the mandate.
The manager responsible for the insurance mediation shall be obliged to ensure that, in the case of insurance mediation, the agents comply with the good insurance scheme and the insurance broker's good insurance brokerage, and that the activities of the insurance broker are: Is carried out lawfully. In addition, the responder shall ensure that the professional qualifications required under Article 12 are met and that other persons involved in the pursuit of insurance mediation are required to have sufficient professional skills.
The Ministry of Social Affairs and Health provides insurance mediation for three years at a time. The Board of Appeal shall organise, at least twice a year, the insurance brokers referred to in Article 12 (2).
The insurance mediation board shall include the Chairperson, the Vice-President and at least three and a maximum of six other members. Each of them shall be assigned a personal alternate. The Chairperson, the Deputy Chairperson and their alternates shall be qualified as candidates for a degree in law, who cannot be regarded as representing insurance brokers or insurers. At least one member and his alternate shall be represented by insurance brokers.
The Board of Insurance shall have a quorum when the chair of the meeting and at least half of the other members are present. The vote on the committee's decision will be the opinion of the majority. In the event of a split vote, the verdict will be the opinion that the Presidency has supported.
The insurance mediation committee shall, at least two months before the insurance brokerage certificate, establish a list of the legislation, literature and other material on which the examination questions are based.
At least 30 days prior to its organisation, the insurance brokerage appeal shall be published in the Official Journal and in the three general public newspapers. The notification shall include instructions for the registration and participation of the investigation and the information on how the list referred to in paragraph 1 is available.
The Ministry of Social Affairs and Health is responsible for the costs of the activities of the Board of Directors and shall lay down the criteria for the remuneration of the chairman and members. The Ministry of Social Affairs and Health is entitled to charge a fee for participation in the insurance broker investigation. The maximum charge shall be so large that it corresponds to the costs incurred in the organisation of the examination.
The management law shall apply to the processing of cases by the Insurance Mediation Board and the communication on the insurance broker investigation. (2003) , the law on electronic transactions (2003) And language law (2003) . Access to documents arising from the application of the insurance policy shall be governed by the law of the public authorities (18/09/1999) , Archives (181/1994) And the language law.
The members of the Board of Insurance Board and the staff member shall be subject to the provisions relating to criminal liability in the performance of their duties in the performance of the Board.
An adjustment shall be made to the decision on the insurance broker investigation as provided for in the Administrative Law.
The decision to amend the requirement of amendment may be appealed against by the administrative court, as in the case of administrative law (18/06/1996) Provides.
An appeal to the decision of the administrative court shall be lodged only if the Supreme Administrative Court grants an appeal.
L to 10/02/2015 Article 18 will enter into force on 1 January 2016. The previous wording reads:
The decision on the insurance brokerage investigation shall require an adjustment from the Insurance Mediation Board. The adjustment requirement shall be made within 30 days from the notification of the decision. The decision shall be accompanied by a statement of objections.
The decision of the Board of Appeal of the Board of Appeal may appeal against the decision of the Administrative Court, as in the case of administrative law, (18/06/1996) Provides.
Before concluding an insurance contract and before the conclusion of the contract and, where appropriate, when amended or renewed, the client shall provide the customer with at least the following information:
(1) the name and address of the office;
(2) where the insurance intermediary is registered and how the registration may be verified;
(3) whether the insurance intermediary owns, directly or indirectly, more than 10 % of the voting rights or capital of an insurer;
(4) where the insurance intermediary has legal personality, whether any insurer or its parent undertaking, directly or indirectly, of more than 10 % of the voting rights or capital of the insurance intermediary;
5) procedures, including out-of-court procedures, in accordance with which the customer and other interested parties may lodge complaints about the insurance intermediary.
The customer shall be informed of the information referred to in Article 19 and the information referred to in Article 22 (4) and (5) before concluding the contract:
(1) in writing or electronically, so that the information is easily accessible to the customer for the purposes of their purpose and that the information can be reproduced unchanged;
(2) clearly and precisely in the understandable form of the customer; and
3) it in the official language of the State of the European Economic Area, where the customer is domiciled, or in another language agreed by the parties.
By way of derogation from Article 1 (1), the information may be provided orally if the customer requests it or the immediate start of the insurance cover is necessary. The information shall be provided to the customer in accordance with paragraph 1 immediately after the contract or the contract award procedure.
In his activities, the client must clearly indicate to the customer that he is acting as a client.
The insurance intermediary shall, in his marketing, provide the customer with his insurance mediation services and the available insurance information that may be relevant to the customer's services or insurance solutions.
The insurance intermediary shall not disclose information which is not true or misleading in his marketing or uses a procedure which is inappropriate for the client or against a good insurance or good insurance policy. In addition, a consumer-friendly or anti-competitive procedure is provided for in the consumer protection law (38/1978) in Chapter 2 .
Marketing that does not contain information necessary for the financial security of the customer must always be considered to be unfair.
In his marketing, the customer shall state the insurer and individual insurance he represents in the marketing of the insurer's product. The insurance broker is not allowed to declare that he represents a certain insurer.
Notwithstanding the provisions of paragraph 4, the insurance intermediary registered in another Member State other than Finland shall, where appropriate, declare in his marketing a true picture of his insurance mediation services, which Insurers' products are exclusively covered by insurance mediation and provide information based on a fair analysis as referred to in Article 25 (2).
The contract shall be awarded in writing in duplicate, one of which remains for the contractor and the other for the insurance broker. The insurance broker cannot rely on a contract which is not included in the contract or otherwise agreed in writing.
The contract shall indicate the content of the order, the duration of the contract, the basis of assessment of the premium paid by the client to the insurer and, if possible, the amount of the premium.
The insurance broker must carry out its duties in a professional and rigorous manner, and in all its activities a good insurance brokerage is required. In particular, the insurance broker must, to the extent required by the contract, examine the need for the insurance cover of its client and, on that basis, make its proposal to cover the insurance needs in a manner that is appropriate to the customer's interests.
The insurance broker must take care to ensure that, prior to the conclusion of an insurance contract, the client receives all the information necessary for the assessment of the client's insurance and for the choice of the insurance, such as: Insurance forms, insurance premiums and insurance conditions. When providing information, the insurance broker must also pay attention to the essential limitations of insurance cover. In addition, attention shall be paid to the essential aspects of the selection of potential investees of insurance, taking into account, in particular, the prior location and investment objectives of the applicant.
The information provided to the customer, as referred to in paragraph 1, shall be based on a fair analysis of all the insurance offered on the market. The analysis and the proposal to cover the insurance requirements shall be provided to the customer as provided for in Article 20 (1) (1) to (3).
The information does not need to be provided if the customer does not want them or if giving them a disproportionate burden.
The insurance broker shall receive the premium only from the contractor.
Only the registered insurance broker may use the name of the insurance broker or insurance broker in his business name or otherwise.
In its activities, the insurance broker must explicitly state that it is acting as an insurance broker.
The insurance broker must have a liability insurance, valid throughout the European Economic Area, in order to compensate for the damage from which the insurance broker is responsible under this law. The amount of the liability insurance shall be at least eur 1 250 600 per injury and a total amount of eur 1 876 000 per year for all damages. (08.11.2011)
The liability insurance shall also comply with the following conditions:
(1) without delay, the insurer shall inform the Financial Supervisory Authority if, during the insurance period, the reasoned claims made to the insurer cover at least half of the amount of insurance cover;
(2) the insurance shall expire at the earliest two months after the financial supervision has been notified by the insurer;
(3) in the event of a declaration of ownership, the insurer shall pay the premium to the injured party without any loss of ownership;
(4) the domicile of the insurer shall be in a State belonging to the European Economic Area, unless the financial supervision on the application is an exception;
(5) the insurance shall be replaced by an accident which has arisen as a result of an act or omission in the course of an insurance period and has been replaced by a written request to the insurance broker or insurer during the period of validity of the insurance; or 36 months after the end of the insurance period.
The insurance broker shall immediately inform the Financial Supervisory Authority of any damage and damage reimbursed on the basis of the liability insurance. In addition, the insurance broker must inform the Agency of the change in the insurer and submit to the Agency no later than one month before the start of the new insurance policy and the terms and conditions of the insurance.
The insurance broker shall keep the assets held, the client or the insurer, separate from its own funds and promptly forward to the consignee.
The insurance broker shall not receive, hold or transfer funds belonging to the customer or his insurer if the customer is a consumer or a trader, taking into account the quality and scope of his business activities. And the circumstances otherwise are comparable to the consumer. However, the insurance broker may receive, hold or transmit the funds referred to above, if the storage or transfer of funds otherwise causes undue hardship to the customer.
The insurance broker is obliged to submit an annual report on its business activity to the Insurance Supervisory Authority.
In Finland, the insurance intermediary registered in the Ministry of Insurance shall inform the Insurance Supervisory Agency of its intention to pursue insurance mediation in another Member State of the European Economic Area. The notification shall be accompanied by a report on the contact details of the insurance intermediary in that State.
The Insurance Supervisory Authority shall, within one month of the notification of the insurance intermediary and the arrival of the report, send the information to the competent authority of that State, if the State has indicated that it wishes to receive the information, and Without delay of sending information to the insurance intermediary.
The insurance intermediary may commence insurance mediation after a period of one month from the date on which the insurance intermediary was informed of the notification by the Insurance Supervisory Authority to the Authority under paragraph 2, or immediately if that The authority does not want information on the declaration of the insurance intermediary.
An insurance intermediary in a Member State other than Finland which is registered in Finland may carry out insurance mediation in Finland on the basis of the freedom of establishment only when the Insurance Supervisory Authority has received a declaration of assurance The competent authority of the country of registration.
The insurance intermediary referred to in paragraph 1 may commence insurance mediation in Finland one month after the date on which the insurance intermediary was informed by the competent authority of the Member State of registration that the authority was Sent a notification to the Insurance Supervisory Agency to initiate the exercise of insurance mediation.
The Insurance Supervisory Authority may provide an insurance intermediary who carries out insurance mediation in Finland on the basis of the freedom of establishment or the freedom to provide services, for information on the conditions required by the public interest, in accordance with which the insurance mediation is Operate in Finland.
Chapter 6 was repealed by L of 19.12.2008.
Compliance with this law and its provisions and regulations will be subject to supervision by financial supervision. The reference in this law to the Insurance Supervisory Board refers to the reference to financial supervision.
The Insurance Supervisory Board shall prohibit insurance mediation carried out in breach of this law without registration or without notification under Article 32. The prohibition may, if there is a particular reason, also apply to the person employed by the insurance mediation service or to any other person acting on his behalf.
Paragraph 2 has been repealed by L 19.12.2008 .
Paragraph 3 has been repealed by L 19.12.2008 .
If the insurance intermediary is essentially failing to comply with its obligations under this law, and the failure to act or failure to comply with the financial supervision within a reasonable period of time, the financial supervision may prohibit the insurance intermediary Continue to operate until a defect or omission has been corrected or, in the event of gross negligence or failure, to remove the insurance intermediary from the register. (19/12/2015)
§ 39 has been repealed by L 19.12.2008 .
The insurance broker shall be obliged to make good the damage caused to the customer or to any other person whose right to a commission or insurance is entitled to the breach of this law or orders. However, the insurance broker will be released from liability if he demonstrates that he has acted professionally and carefully.
If the insurance broker has failed to provide the customer with the necessary information on the insurance or has provided the customer with incorrect or misleading information, the insurance broker shall reimburse the damage caused by the fact that the insurance contract is not: Content as the client had, on the basis of the information received, to understand.
The liability of the insurance broker is otherwise in force, in the case of damages law (1999) Provides.
A contractual condition derogating from the provisions of paragraphs 1 to 3 to the detriment of a client or any other person entitled to compensation referred to in paragraph 1 shall be negligible for the consumer and for the trader, taking into account the The quality and scope of the business activity and the circumstances otherwise are comparable to the consumer.
In the event of deliberate or serious negligence on the part of the nurse responsible for failing to comply with the obligation laid down in Article 13, he or she shall be obliged to replace the damage caused by her defaulting, in the absence of compensation from the other liable party. This liability shall be without prejudice to the right of the injured party to compensation for loss of compensation.
The settlement of damages and the division of liability between two or more liable parties is valid, as provided for in Chapters 2 and 6 of the Act on Damage.
The control fee to be paid in order to compensate for the costs of supervision provided for in this Act shall be laid down separately.
The Insurance Supervisory Authority will provide more detailed provisions on the procedure for the registration of insurance intermediaries, the terms of the contract, the fair analysis and the business report and the separation of client funds.
In the event of insurance mediation or other tasks relating to insurance mediation, or in accordance with Article 2 (2), the insurance intermediary, the client or any other financial position or other medical condition or other The issue of personal circumstances or the commercial or professional secret shall not be disclosed to the person in question, unless the person who is bound by the obligation of professional secrecy has consented to the disclosure of the information or unless otherwise provided for in the law.
Paragraph 2 has been repealed by L 19.12.2008 .
The penalty for breach of the obligation of professional secrecy laid down in Article 44 is punishable under criminal law. (39/1889) 1 or 2, if the act is not punishable Article 5 of Chapter 40 of the Penal Code Or, unless otherwise provided for in the rest of the law, a heavier penalty.
The Insurance Supervisory Agency shall have the right to obtain the (672/2002) Article 46 Information necessary for the purpose of ascertaining the reliability of a natural person registered as an insurance intermediary. The right to obtain information from the criminal record is provided separately.
§ 47 has been repealed by L 19.12.2008 .
This Act shall enter into force on 1 September 2005.
This law repeals the Law of 19 February 1993 on insurers (251/1993) With its subsequent modifications.
Before the law enters into force, measures may be taken to implement the law.
Agreements entered into before the entry into force of the law shall be governed by the provisions in force when the law enters into force.
At the time of entry into force of the Act, the insurer listed in the Register of Insurance Supervision shall be listed as an insurance broker in the register of insurance under this Act. Such an insurance broker is not required to be qualified as an insurance broker in accordance with Article 12 (2). In addition, within six months of the entry into force of the law, such an insurance broker does not require a liability insurance pursuant to Article 28 if the insurance broker is in conformity with the provisions in force at the time of entry into force of the law. Liability insurance.
The applicant whose application is pending in the Insurance Supervisory Board at the time of entry into force of the law may be listed as an insurance broker in the register if the applicant fulfils the law at the time of entry into force of the law. Conditions for registration of an insurer. Such an insurance broker shall be subject to the provisions laid down in paragraph 2 for professional qualifications and liability insurance.
A natural person registered as an insurance broker in the register of insurance undertakings shall not be required to obtain a professional qualification addressed to an insurance broker in accordance with Article 12 (2) if he has carried out the management of the insurance brokerage board; and On or after 1 January 2004, under the supervision of an insurance brokerage. The condition is that the person has commenced an examination before the law enters into force and that his/her application for entry into the Register has been submitted to the Insurance Supervisory Agency within two years of the entry into force of the law.
At the time of entry into force of the Act, the agent carrying out the activities required for registration under this law may continue to operate until the decision on the registration of the insured person has been made if, in accordance with Article 6 (1) or Article 7 (1) Request for entry into the register shall be made within six months of the entry into force of the law. In the case of registration, such an agent does not need to demonstrate that it fulfils the conditions for registration provided for in Article 6 (1) or Article 7 (1) (1) to (3).
Notwithstanding the provisions of Article 26, the insurance broker may, for three years from the date of entry into force of the law, also receive a fee from the non-commissioned officer.
For three years from the date of entry into force of the law, the insurance broker shall inform the customer in a balanced analysis of the basis of assessment of the premiums written by the insurer and other entity, and, if not: Impossible, the amount of the reward.
For three years from the date of entry into force of the law, the insurance broker shall also indicate the amount of the premium and the basis of assessment for the insurance contract concluded by the client. The insurance broker shall also indicate the amount of the premium and the basis of assessment if they have substantially changed in the past. The notification shall be made in writing if the insurance broker and the customer have not agreed otherwise.
For a period of three years from the date of entry into force of the law, the insurer shall pay the insurance broker for statutory pension insurance mediation only on the basis of criteria laid down by the Ministry of Social Affairs and Health, which are: In force upon entry into force of the law.
THEY 220/2004 , TaVM 12/2005, EV 82/2005, European Parliament and Council Directive 2002/92/EC (32002L0092); OJ L 9, 15.1.2003, p. 3This Act shall enter into force on 1 October 2008.
THEY 32/2008 , TaVM 11/2008, EV 67/2008, Directive 2005 /29/EC of the European Parliament and of the Council (305L0029); OJ L 149, 11.6.2005, p. 22
This Act shall enter into force on 1 January 2009.
THEY 66/2008 , TaVM 20/2008, EV 109/2008
This Act shall enter into force on 1 November 2010.
THEY 63/2009 , TaVM 3/2010, EV 28/2010
This Act shall enter into force on 15 October 2010.
The insurance broker should be able to carry out its current exposure insurance in line with the increase in insurance amounts from the beginning of the insurance period following the entry into force of the law.
THEY 89/2010 , TaVM 16/2010, EV 134/2010
This Act shall enter into force on 1 December 2013.
The insurance broker must take the relevant insurance policy in line with the increase in insurance cover from the beginning of the insurance period following the entry into force of the law.
THEY 138/2013 , TaVM 24/2013, EV 111/2013
This Act shall enter into force on 1 January 2016.
In the case of appeals before the entry into force of this Act, the provisions in force at the time of entry into force of this Act shall apply.
THEY 230/2014 , LaVM 26/2014, EV 319/2014
