Changes to reporting APIs on 1 April 2026 – more improvements

In December, we announced upcoming improvements to the APIs for reporting data to the Positive credit register, planned for 1 April 2026. In addition to these improvements, we will be releasing two new changes on 1 April 2026:

• the first change makes it easier to report intra-group credit transfers
• the second change aims to reduce errors in the reporting of guarantee receivables for student loans  

The changes will be non-breaking, meaning that they will not require immediate measures from data submitters – the APIs can be used as before.

• See also: Improvements to reporting APIs 1 April 2026

Easier to report credits that are transferred back to the lender 

We have received feedback from lenders that, in some situations, most often related to intra-group loan transfers, reporting to the Positive credit register has been challenging. One example is a situation where a loan is transferred from a bank to a mortgage bank and back again within a short period of time. In these situations, it has not been possible to use the same loan number in the new loan API. This is because it has not been possible to reuse a loan number to report a loan until at least 26 months have elapsed since the loan was reported as ended. Consequently, reporting a loan that is transferred back and forth within less than two years has required following a different operating logic than reporting other transferred loans. On 1 April 2026, we will be making a change to the API to enable reporting such loans to the register with the new loan API.

If a lender needs (for example because of an intra-group credit transfer) to report the same loan to the register with the same loan number less than 26 months after the loan was reported as ended and transferred, it will be possible in the “new loan” API as of 1 April 2026. Doing so requires that all of the following conditions are met:  

• The loan number already exists in the register in the same lender’s terminated loans  
• The ended loan in the register includes the information about transferring the loan to another lender  
• The New loan report includes the information about transferring the loan from another lender  
• The borrower’s ID code in the New loan report matches the borrower’s ID code of a loan that is already in the register

Only Kela can register guarantee receivables for a student loan

Kela reports to the register the guarantee receivables for student loans that it is recovering under the Student Financial Aid Act. According to the Act on the Positive credit register, only Kela reports these guarantee receivables to the register. Starting 1 April 2026, only Kela can use “guarantee receivable for a student loan” in APIs when reporting a loan type or purpose of use. With this technical processing rule, we aim to prevent possible errors in register data.  

Lender –  read the documentation for the changes coming on 1 April 2026

In addition to these changes, 1 April 2026 will see three other changes in the reporting APIs, related to the reporting of lump-sum loan balances, reporting the amount of loan balance of a running-account loan and new checks for reporting delayed payments. You can read more about these changes in our previous news article: Improvements to reporting APIs 1 April 2026. 

More information

You can find information about upcoming changes in the Upcoming changes section of the Documentation page. The changes concern API descriptions and the processing rules and error codes document. 
 
We will also update the instructions on how to report data to the Positive credit register so that its contents match the upcoming implementation.