Financial law in the Nordic region has changed considerably in recent decades. The aftermath of the 2008 financial crisis, expanding EU regulations, and the increasing complexity of financial markets have all contributed to a legal landscape where private law principles must coexist and interact with detailed public law regulations. This volume brings together Nordic experts to explore how financial markets are shaped by evolving legal frameworks. The chapters examine key challenges in financial stability, investor protection, corporate governance, and sustainable finance. As financial markets continue to adapt to new risks and opportunities driven by economic shifts, technological developments, and changing policy priorities, this volume offers valuable insights into the legal and regulatory questions that shape the Nordic financial sector today.

This paper address how the collective decision-making process in multi-owned property associations can affect and limit disabled residents right to live an independent life and discusses alternative legal solutions to this problem. It examines whether, and if so how, placing more emphasis on property law and its fundamental function in society can provide an equally strong protection of disabled residents accessibility rights as does the application of discrimination law. This research builds on and contributes to legal doctrinal and theoretical research on negative external societal effects of the democratic governance model of multi-owned properties in general, and, in particular, of decisions and restrictions regarding permission to install ramps or keep assistance dogs. The main argument is that if property law is used as a tool to steer and adjust societal normative expectations from a right to control to a duty to respect, this normative change would reduce the need for using external legislative solutions, such as applying discrimination laws, to achieve important societal objectives. Moreover, this approach could also reduce the need for future legislation addressing other societal challenges, such as the right to install electric vehicle chargers in common parking areas. These right-to-charge issues, which are currently being tackled through new EU-directives, reflect similar tensions between individual needs and collective governance. A property law-based solution that fosters fairness and flexibility in decision-making could pre-emptively address these types of issues, making it easier for associations to accommodate both current and future societal demands without the need for additional layers of regulation.

This contribution explores the challenge that Sweden is facing and analyses the possibility of the State, under current institutional and legal frameworks, to impose obligations for real property owners to climate-proof existing buildings. The purpose is to describe the Swedish national policy approach and legal framework, and to discuss the extent to which the rules can be considered sufficient to reach both Sweden’s and the EU’s goals regarding energy efficiency of buildings. The contribution focuses on whether and to what extent the State has the authority to impose positive obligations to, for instance, install solar panels, change heating systems or improve energy efficiency through additional insulation.