By Plenary Sessions: Mart Võrklaev

The speaker demonstrates profound expertise in macroeconomics, public finance, and financial regulation, citing the forecasts and recommendations issued by the Bank of Estonia. Specific terminology is employed, providing a detailed analysis of both the impact of the budget deficit on inflation and the competitive landscape of the home loan market. This expertise is further highlighted by the speaker's familiarity with specific legislative details, such as the rounding rule and the abolition of the requirement for notarial certification of mortgages.

The speaker demonstrates knowledge of financial supervision and regulation, employing specific terminology like 'crypto asset market participants,' 'credit unions,' and 'operating licenses.' They focus on legislative requirements and the practical challenges of their implementation, posing questions regarding processes and market impact.

The speaker demonstrates thorough knowledge of financial regulation, particularly in the areas of credit unions, banking supervision (Finantsinspektsioon/Financial Supervision Authority), and deposit guarantees (Tagatisfond/Guarantee Fund, 100,000 euros). Reference is made to previous ministerial experience and the history of legislative amendments, such as the relaxation of regional requirements in 2010.