This page describes the deliveries at the functional level from the solution, DSOP Kontrollinformasjon (Control Information). This document does not consider the ways in which this is solved in the various technical calls, but it is described in the architecture document and the API documentation. The current process is manual and time-consuming both for the government agencies and the financial institutions. The digitised and standardised solution used by the government agencies for obtaining account information from the financial institutions leads to both a simpler and more efficient process, as well as higher quality of data. Furthermore, the digital solution provides increased security and traceability in regards to the processing of account information, and allows for increased automation of processes.

Request about customer relations

Official agencies ask about which financial institutions a person (birth number/D number) or a business (org.no.) has, or has had, customer relations with for all, or part of, a specified period.

The request must specify a period (from date and to date). The specified period can be short (months) or long (years), and can be recent (e.g. current year, a couple of years ago) or a long time ago (up to 10 years ago, in some cases).

The response will state which financial institutions have customer relations with the requested party (i.e. the party is the owner of the account or has power of attorney) for all or part of the period and, if applicable, a list of accounts. The response may also include the start and end dates for each account where this is available from the banks.

Shielding

Individuals who are exposed to violence, or threats of violence, are entitled to protection. In the most severe cases, they may require the protective measures: strictly confidential address CODE 6 or confidential address CODE 7. Some banks may have uploaded these customer relationships to KAR/KFR (for example, because the protection requirement arose after the customer relationship was established). However, the account information for such customers will not be disclosed by the banks via eOppslag, so the agencies must request account information via a digital letter.

Request about transactions and balance

Government agencies request transactions and balances related to a party (org.no., birth number/D number) or account no./card no.* for a given period (from date and to date). This request will only be sent to financial institutions that have/had an actual client relationship for all, or part of, the specified period.

It is optional for the government agencies to specify a period (from date and to date) for the request. The specified period can be short (months) or long (years), and can be recent (e.g. current year, a couple of years ago) or a long time ago (up to 10 years ago, in some cases). If no period has been specified, the current date will be used.

  • When a request is made about a party, the response shall include a transaction history and balance for the period for all the types of accounts owned by the party.
  • When a request is made about an account number*, the response shall include a transaction history and balance for the period for the specified account.
  • When a request is made about a card number*, the response shall include a transaction history and balance for the period for the specified card.The functionality of requesting based on a card number is currently a change request and is not a part of this version. It will be considered to deliver this functionality in later versions.

Balance (credit limit is not included in the balance):

  • For the specified period, the recorded balance to date (in the period) shall be given.
  • For requests for the current date, the available balance at the time of the request shall be given in addition to the recorded balance.

See example of available balance below:

  • NOK 5000 in capital balance
  • NOK 2000 in blocked amount
  • NOK 1000 in credit limit

= Available balance: NOK 3000

*Note: As described in “Request about customer relations”, the agency must first ask for the account list for a specified person (birth number/D number) or business (org.no.), and thereafter the agency may send a request for transactions and balance.

Request about additional information

Government agencies will in some cases need to be able to obtain additional (not predefined) account information, for example additional information about card use, supporting documents for a transaction, bank remittances, loan documents, withdrawal information from ATMs with photo, time, etc.

The collection of additional information will be based on “Digital letter” via the financial institutions’ message boxes in Altinn. The request and response will both largely contain unstructured information, but with some fixed parameters. The agencies have chosen different implementations of “digital letter”. Please see information sent from each agency.

General information about volume and response times

Response times will vary, but the typical pattern is that requests for up-to-date data that can be delivered “online” will have fast response times (seconds), while large historical queries may take longer. Volume and response times will be specified in more detail in the technical course/collaboration.

Volume Skatteetaten (the Norwegian Tax Administration)

The Tax Administration currently collects information from the financial institutions manually via email, letter and fax. It has not been possible to find the exact figures for the number of requests made to the financial institutions regarding control information, so an estimate has been made based on feedback from the operating units on the number of requests. The estimates are based on requests made by the Regions (in 2018), the Norwegian National Collection Agency and the Tax Collectors. The table below shows the estimated volume of the number of requests to the financial institutions from the Tax Administration.

  • The increase in the number of balance requests is estimated to be small, as information about this currently is obtained in cases where it is necessary.
  • The volume of collection of transactions and balances is expected to increase substantially, as in many cases no collection is currently made due to the long response time, and the Tax Administration would like to make greater use of this by automating the processes in future.
Total volume per Annum for requests to financial institutions Estimated current number Estimated future number
Request about transactions and balance 15 585 207 500
Request about balance 167 581 185 000
Total 183 166 392 500

Volume Police

When the collection of control information becomes automated and structured through this project, a large increase in requests to the banks is expected from the Police Districts, Kripos, Økokrim (The National Authority for Investigation and Prosecution of Economic and Environmental Crime) and the Financial Intelligence Unit (EFE).

The bailiff (namsmannen) receives 411 000 cases per year. In all these cases, control information should be collected, but a very small proportion is currently collected. In the long term, Control Information should be used in all cases, but in the first instance it is expected to cover a little over half of the cases.

See specific figures in the table below.

Total volume per annum for requests to financial institutions Estimated current number Estimated future number
Request about transactions and balance from PD, Kripos, Økokrim, EFE 15 000 50 000
Request about transactions and balance from the Bailiffs 8 143 250 000
Total 23 143 300 000

Note: The figures for expected volume come from feedback from the professional communities, and the current volume is estimated based on insight from some of the banks.

Volume NAV (The Norwegian Labour and Welfare Administration)

The table below shows the estimated volume of the number of requests to the financial institutions from NAV.

Total volume per Annum for requests to financial institutions Estimated current number Estimated future number
Request about transactions and balance 5 000 20 000

Change log

Date Version Change Comment Link in document