Finland — crypto regulation

Status: legal · Last reviewed 2026-11-05

MiCA member state (FIN-FSA as NCA). Finland adopted one of Europe's shortest MiCA transition periods, ending Jun 30, 2025. Coinmotion became Finland's first MiCA-authorised CASP (Jul 2025). LocalBitcoins fined EUR 500K for AML failures.

Legislation

• Act on the Reporting Obligation of Reporting Crypto-Asset Service Providers in Taxation (1041/2025) — DAC8 (2025)
• Act on Crypto-Asset Service Providers and Crypto-Asset Markets (402/2024) (2024)
• Act on Virtual Currency Providers (572/2019) (2019)
• Finnish AML Act — Revised MiCA-Aligned Guidelines (2025)
• FIN-FSA Regulations and Guidelines 4/2019 — Virtual Currency Providers (2019)