Agenda Profile: Aivar Kokk
Draft law amending the Credit and Electronic Money Institutions Act and the Payment and Settlement Systems Act (634 SE) – first reading
2025-05-20
15th Riigikogu, 5th session, plenary sitting
Political Position
The speaker is focusing primarily on the regulatory issues surrounding payment institutions and e-money, while showing only moderate interest in financial services competition and the burden placed on banks. Their stance is more investigative than clearly supportive or oppositional, as they are trying to understand the practical implications of the draft bill.
2 Speeches Analyzed
Topic Expertise
Shows a basic understanding of the financial services sector, asking for specific examples of payment institutions and e-money institutions in Estonia. Demonstrates awareness of the regulatory burden on banks and the requirements for offering instant payment services, but does not use in-depth technical terminology.
2 Speeches Analyzed
Rhetorical Style
The approach used is polite and inquisitive, beginning with words of gratitude directed at the minister. The rhetoric leans toward questioning rather than asserting, focusing on obtaining practical examples and clarifications. The style is direct and specific, steering clear of complex political maneuvering.
2 Speeches Analyzed
Activity Patterns
Based on limited data, it is not possible to draw conclusions about activity patterns.
2 Speeches Analyzed
Opposition Stance
While there is no direct opposition, concern is expressed regarding the competitiveness and burden placed on banks by the new requirements. The criticism is constructive rather than aggressive, focusing instead on understanding the practical implications.
2 Speeches Analyzed
Collaboration Style
Demonstrates a collaborative attitude, thanking the minister and posing constructive questions. The approach is dialogic, seeking to obtain additional information for a better understanding of the legislative process.
2 Speeches Analyzed
Regional Focus
It focuses specifically on the Estonian context, asking for examples of payment institutions and e-money institutions operating in Estonia. The regional focus is clearly local.
2 Speeches Analyzed
Economic Views
Expresses concern regarding competition and the regulatory burden within the financial sector, particularly concerning banks. It indicates an understanding that regulatory requirements generate costs and may influence market competition.
2 Speeches Analyzed
Social Issues
Due to the limited data, it is impossible to draw conclusions regarding social issues.
2 Speeches Analyzed
Legislative Focus
The focus is on the amendments to the Payment Institutions and E-money Institutions Act, demonstrating interest in the practical aspects of the legislation. The approach is more exploratory than proactive, seeking to understand the content and impact of the draft bill.
2 Speeches Analyzed