The Norwegian Financial Supervisory Authority has published a warning against using services from, or entering into agreements with, HavBank, which it says is offering financial services illegally via its website and is most likely set up to scam consumers. HavBank claims to offer loans, investment services, real estate brokerage and insurance intermediation, but it does not have authorisation from the Norwegian Financial Supervisory Authority, which is required to provide such services in Norway. The website does not state an organisation number and the entity is not registered in the Brønnøysund Register Centre; there is also no information on which firm is behind the website or any indication that the business is registered in the Central Coordinating Register for Legal Entities. The authority notes that it frequently receives queries from individuals offered shares, fund units, CFDs and other investments via unsolicited calls, emails or letters, often from unknown “advisers” or “brokers”, and that these are very often scams. When it becomes aware of companies offering investment services in Norway without the necessary licence, it publishes warnings in its register of market warnings and advises checking the register before accepting an offer.