Agenda Profile: Reili Rand
Continuation of the first reading of the draft law on the sharing of credit information (652 SE)
2025-06-18
15th Riigikogu, 5th session, plenary session
Political Position
The political focus is on the rapid and effective implementation of the Draft Credit Information Sharing Act. The speaker expresses concern regarding the lengthy period required to establish the register and emphasizes the necessity for it to become operational quickly for the benefit of the public. Furthermore, the speaker supports stronger state regulations, such as loan interest rate caps and advertising restrictions, to prevent people from falling into debt traps.
1 Speeches Analyzed
Topic Expertise
The speaker demonstrates expertise in financial regulation and legislative enactment processes, focusing on the speed and alternatives for establishing a credit register. He/She employs specific terminology such as "debt bondage" and proposes concrete regulatory measures (loan caps, advertising restrictions). The expertise is geared toward policy analysis, weighing the benefits of state establishment versus a private register.
1 Speeches Analyzed
Rhetorical Style
The address is formal and question-oriented, respectfully addressing the presiding officer and the rapporteur. The tone is concerned ("I have a concern"), but analytical, focusing on examining political solutions and the speed of their implementation. The style is logical and seeks fact-based answers regarding alternative solutions.
1 Speeches Analyzed
Activity Patterns
The speaker is actively involved in the legislative process, posing follow-up questions and referencing the previous day’s debates. This demonstrates consistent participation during the reading of the specific draft bill and continuous monitoring of the issue.
1 Speeches Analyzed
Opposition Stance
There are no direct attacks against opponents or the targets of criticism; the criticism is aimed at the slow pace of the bill's enactment and the government's potential deficiencies in implementing consumer protection measures.
1 Speeches Analyzed
Collaboration Style
The style of cooperation is dialogic, involving asking the presenter questions and requesting them to elaborate on topics concerning potential further steps by the government. The speaker is seeking confirmation and analysis from the government regarding the necessity of these additional measures.
1 Speeches Analyzed
Regional Focus
The focus is exclusively on national legislation and government activity, with no references to regional, local, or international topics.
1 Speeches Analyzed
Economic Views
Economic perspectives support strong state intervention in regulating financial markets to protect consumers. Regulations are favored, such as establishing loan caps and advertising restrictions, which indicate a desire to limit market freedom in the name of consumer protection.
1 Speeches Analyzed
Social Issues
The main social theme is protecting people from falling into debt bondage, emphasizing the state's role in ensuring social security within the financial sector. This is framed as the need to accelerate the implementation of aid mechanisms (a credit register).
1 Speeches Analyzed
Legislative Focus
The legislative focus is on the draft Credit Information Sharing Act (Bill 652 SE). The speaker is a critical questioner who is attempting to expedite the bill's entry into force and initiate a debate regarding additional consumer protection measures (for example, loan caps).
1 Speeches Analyzed