Estonia’s Finantsinspektsioon withdrew Kinnistulaen OÜ’s operating licence as a creditor and mortgage creditor, citing repeated breaches of legislative requirements. The authority pointed to the firm’s failure to respond to supervisory inquiries, the absence of internal audits for years, repeated late submission of annual reports, and an assessment that the company’s head does not have an untarnished business reputation. As a result, Kinnistulaen OÜ may no longer provide services that require a creditor or mortgage creditor licence.