News: Changes in debt collection rates – what does it mean for you?
Why is there a change?
The collection rate is a standard price used to calculate how much a debtor can be charged when an invoice goes to collection.
This rate has not changed since 2017. In a period of general price increases, this has made it more difficult for the debt collection industry to cover its actual costs.
Both Finance Norway and the Consumer Council have therefore provided input in the consultation:
Finans Norge believes that the rate needs to be adjusted. They welcome the increase to NOK 750, but point out that it is too low compared to the inflation we have had (over 30% since 2017). They also emphasize that many debt collection companies have been running losses and have reduced staffing, especially those that offer a lot of personal advice and digital solutions. This is used as an argument that a rate change is necessary.
The Consumer Council supports that the rates must be assessed, but is skeptical of a pure CPI adjustment over time. They believe that the CPI has historically not reflected cost developments in the debt collection industry, partly because digitalization can make collection cheaper, which in turn can lead to debtors paying more than it actually costs to collect the claim. They therefore want future adjustments to be made based on specific assessments of costs and competition, not just automatically via the CPI.
⚙️ What changes?
From January 1, 2026:
The collection rate increases from 700 NOK → 750 NOK
This means an increase of approximately 7% in standard fees and commissions.
Reminder fee / debt collection notice : from 35 kr → 38 kr
Light fee for the smallest claims (e.g. under NOK 500) : from NOK 175 → NOK 188
Rounding will now take place to the nearest whole krone going forward, so rates will be neater and more predictable.
From January 1, 2027:
The rate will be adjusted for inflation annually (CPI adjustment), for the first time in 2027, via separate regulations.
This is a temporary solution while new debt collection laws and new debt collection regulations with permanent cost rules are prepared in 2026.
🗓️ When does it happen and what is the next step?
Consultation closed on November 20, 2025
Input is assessed by the Ministry of Justice and Public Security.
The amendment to the regulations is adopted by the King
Entry into force January 1, 2026
First CPI adjustment January 1, 2027
New permanent debt collection regulations to be completed in 2026
🚀 How does this affect you as a customer? KapitalKontroll ?
1. The system does the work for you
You don't need to do anything manually.
KapitalKontroll automatically updates all rates in the platform when they come into effect.
2. Slightly higher rates – same effective solution
It will be somewhat more expensive to be a debtor, but for you as a customer it still means:
Automated and digital collection
Full overview and control
A solution that protects both the creditor (you) and the debtor, in a simple and orderly way
3. More predictability going forward
When the rate is adjusted annually for inflation, it becomes easier to plan costs and revenues, without sudden and unexpected changes in the fee system.
✅ In short
New debt collection rate = NOK 750 from 2026
CPI adjustment from 2027
No work for you, the system updates automatically
You retain control over collection, in an efficient and fair manner
Do you have questions or want to activate automatic/self-collection for 2026?
👉 Contact us at KapitalKontroll .