# Operating licence as a credit servicer (Estonia)

Source page: https://protegra.io/licensing/licences/lending/estonia-credit-servicer/

The Operating licence as a credit servicer is issued by Finantsinspektsioon (FI) under the Credit Servicers and Credit Purchasers Act. It is a national licence: it does not give a passport to other EU/EEA states. The official register lists 4 current holders. Ownership changes need the regulator's approval before completion.

## At a glance

| Official name | Operating licence as a credit servicer [1] |
| --- | --- |
| Issued by | [Finantsinspektsioon](https://protegra.io/licensing/regulators/finantsinspektsioon-estonia/) |
| Jurisdiction | [Estonia](https://protegra.io/licensing/jurisdictions/estonia/) |
| Licence family | [Lending / consumer credit](https://protegra.io/licensing/licences/lending/) |
| Legal basis | Credit Servicers and Credit Purchasers Act, § 6 [2] |
| Passporting | Domestic only |
| Public register | [official register](https://www.fi.ee/en/supervised-entities?closed=1&st[2203]=2203) [1] |
| Current holders | 4 [1] |

## What it lets you do

- [Lending](https://protegra.io/licensing/activities/credit-granting/)
- [Consumer credit](https://protegra.io/licensing/activities/consumer-credit/)

- **Lending.** Granting loans, including consumer credit, mortgage credit, factoring and financing of commercial transactions.
- **Consumer credit.** Granting or promising credit to consumers, including buy-now-pay-later, subject to consumer protection rules on information, creditworthiness and withdrawal.

## Where it is valid

_Valid in Estonia._

## Buying a company that already holds it

**Prior approval required.** Acquiring or increasing a qualifying holding reaching or crossing 10%, 20%, 30%, or 50% of share capital or voting rights in an Estonian bank, payment institution, EMI, investment firm, or CASP requires prior notification and approval from Finantsinspektsioon. Filings are submitted electronically through the FI Application Portal (or via the ECB SSM portal for credit institutions). The statutory assessment period is 60 working days from receipt of complete documentation, interruptible once by up to 20 or 30 working days to request additional information, evaluating acquirer reputation, financial solidity, and AML/CFT compliance. [3]

## Sources

1. [fi.ee: supervised entities](https://www.fi.ee/en/supervised-entities?closed=1&st[2203]=2203): retrieved 2026-09-24
2. [riigiteataja.ee: consolide](https://www.riigiteataja.ee/en/eli/530122024003/consolide): retrieved 2026-09-24
3. [taotlus.fi.ee](https://taotlus.fi.ee/en): retrieved 2026-09-24

Last verified 2026-09-24 · Author: Danil Marmysh · Reviewed by Anastasia Sidorenkova · © Protegra. Data: CC BY 4.0, cite "Protegra Licensing Atlas". Not legal advice.