Norway has adopted a new Debt Collection Act, and we are naturally receiving questions from customers about what the changes will mean for self-collection.

The most important point first: Self-collection remains.

Self-collection will continue

During the legislative process, the Norwegian Government emphasised that creditors collecting their own claims should be subject to simpler and less extensive obligations than debt collection companies. (regjeringen.no)

Section 5 of the adopted new Debt Collection Act defines self-collection (egeninkasso) as a creditor’s collection of its own overdue monetary claims. Self-collection therefore remains a clearly recognised part of the new regulatory framework. (lovdata.no)

What do we know so far?

Self-collection remains.
Businesses will continue to be able to collect their own overdue claims. The new Act explicitly distinguishes between self-collection and the collection of claims on behalf of others. 

Simpler obligations are intended for self-collection.
The Government has stated that creditors collecting their own claims should be subject to simpler and less extensive obligations than licensed debt collection companies. 

Several details will be determined by regulations.
The new Act allows more detailed rules on matters such as fees and recovery costs to be set through regulations, including different rules for self-collection and third-party debt collection. This means that several practical and financial details will only become clear once the regulations accompanying the new Act are finalised. 

The effective date has not yet been formally set.
The new Debt Collection Act was formally approved on 22 May 2026. Lovdata currently states that the Act will enter into force from the date determined by the King. The authorities have indicated 1 January 2027 as the intended date, but this has not yet been formally confirmed. 

What does this mean for Solvent customers?

The possibility of using self-collection is maintained under the new Act.

For Solvent customers, this means that self-collection will continue to be a relevant solution under the new regulatory framework. The final details will depend on the accompanying regulations and the specific requirements introduced.

Brocon is closely following the regulatory process and will adapt Solvent once the regulations and final requirements are in place.

Brocon offers both self-collection and traditional debt collection, as well as fully automated invoice administration. This allows businesses to choose the solution that best suits their needs.

If you have questions about the new Debt Collection Act or what the changes could mean for your business, please feel free to contact us.

Email: support@solvent.no

The Norwegian Parliament has adopted a new Debt Collection Act to replace the current framework from 1988. The law represents a comprehensive modernization of the debt collection industry and marks the end of several years of legislative work.

The new law provides a comprehensive framework for the collection of overdue monetary claims. A key objective is to ensure that debt collection is carried out responsibly. The law aims to balance the interests of creditors and debtors.

The law aims to create greater predictability in a rapidly evolving industry.

It also aims to improve the quality of debt collection. Together with upcoming regulations, the law will guide the industry going forward.