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		<lastmod>2025-06-11T13:57:21+00:00</lastmod>
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		<lastmod>2025-06-27T12:35:51+00:00</lastmod>
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		<lastmod>2025-10-01T11:03:54+00:00</lastmod>
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		<lastmod>2025-05-21T18:00:18+00:00</lastmod>
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		<lastmod>2025-05-08T10:51:35+00:00</lastmod>
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		<lastmod>2025-10-17T12:00:39+00:00</lastmod>
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		<lastmod>2025-04-17T11:42:30+00:00</lastmod>
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		<lastmod>2025-04-09T11:38:15+00:00</lastmod>
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		<lastmod>2025-03-31T15:00:50+00:00</lastmod>
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		<lastmod>2025-06-12T04:47:38+00:00</lastmod>
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		<lastmod>2025-10-01T11:02:06+00:00</lastmod>
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		<lastmod>2025-03-20T09:58:58+00:00</lastmod>
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		<lastmod>2025-10-01T10:54:56+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/new-guidelines-from-the-consumer-ombudsman-on-labeling-influencer-marketing/</loc>
		<lastmod>2025-06-12T11:09:05+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/market-court-bondora-has-benefited-from-violations-of-consumer-rights-by-nearly-one-million-euros-consumers-have-the-right-to-reimbursement/</loc>
		<lastmod>2025-06-11T19:23:04+00:00</lastmod>
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		<lastmod>2024-12-20T14:08:14+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-asks-market-court-for-preliminary-ruling-on-pricing-of-telephone-based-customer-services-concerning-existing-contracts/</loc>
		<lastmod>2025-01-28T14:24:07+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/valma-reporting-system/</loc>
		<lastmod>2026-01-14T07:04:02+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-price-of-veterinary-services-is-often-left-to-guesswork-the-consumer-ombudsman-prepared-guidelines-for-companies/</loc>
		<lastmod>2024-12-13T16:47:11+00:00</lastmod>
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		<lastmod>2024-11-05T06:10:24+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-intervened-in-the-difficulty-of-terminating-the-ruutu-streaming-service/</loc>
		<lastmod>2024-12-18T14:42:31+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-31T11:11:30+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-12-10T13:17:23+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-14T16:24:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/services/</loc>
		<lastmod>2025-11-21T13:21:57+00:00</lastmod>
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		<lastmod>2024-09-26T09:44:20+00:00</lastmod>
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		<lastmod>2026-03-04T13:55:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-mehilainens-proposed-acquisition-of-humanas-elderly-care-services/</loc>
		<lastmod>2024-09-26T11:29:56+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-09-03T06:34:10+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-rejected-the-fccas-proposal-for-a-penalty-payment-for-prohibited-cooperation-in-the-hvac-infrastructure-pipeline-market/</loc>
		<lastmod>2024-09-04T12:57:35+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/vr-violated-the-passengers-rights-in-connection-with-cancellations-due-to-strikes-and-track-failures/</loc>
		<lastmod>2024-12-15T14:16:03+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/news/the-commission-has-published-a-draft-of-the-guidelines-on-the-assessment-of-abusive-exclusionary-conduct-by-dominant-undertakings/</loc>
		<lastmod>2024-08-06T07:01:41+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-06-20T10:02:17+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/travellers-right-to-interrupt-the-trip/</loc>
		<lastmod>2024-06-20T13:17:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/health-care-market-concentration-has-led-to-higher-prices-fcca-needs-a-more-effective-tool-to-prevent-harmful-concentration/</loc>
		<lastmod>2024-05-31T09:20:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/unfair-terms-in-contracts/</loc>
		<lastmod>2024-06-06T07:04:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/research-and-advocacy/working-papers/the-ones-that-got-away-stealth-consolidation-in-the-finnish-private-healthcare-market/</loc>
		<lastmod>2025-10-01T11:01:50+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/bondora-charges-credit-costs-unlawfully-the-consumer-ombudsman-urges-consumers-to-claim-reimbursement/</loc>
		<lastmod>2024-05-23T09:06:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-a-penalty-payment-of-approximately-eur-4-4-million-for-attendo-for-obstructing-aninspection-carried-out-on-the-companys-premises/</loc>
		<lastmod>2024-06-05T06:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/credit-agreement/</loc>
		<lastmod>2025-06-18T12:10:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/positive-credit-register/</loc>
		<lastmod>2024-07-01T14:00:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/news/finnish-competition-and-consumer-authority-fcca-there-is-still-room-for-improvement-in-the-consumer-protection-of-travellers/</loc>
		<lastmod>2024-06-13T15:13:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/nordic-consumer-authorities-comment-on-climate-claims-in-marketing/</loc>
		<lastmod>2024-05-08T14:56:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/the-consumer-ombudsmans-guidelines/international-guidelines/nordic-statement-on-climate-compensation-claims-in-marketing/</loc>
		<lastmod>2024-05-08T14:39:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/electricity-company-vare-markets-fixed-term-electricity-contracts-with-insufficient-price-details/</loc>
		<lastmod>2024-06-13T15:27:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/news/positive-credit-register-brings-changes-to-the-way-consumers-creditworthiness-is-assessed/</loc>
		<lastmod>2024-05-10T15:27:59+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-04-08T10:51:04+00:00</lastmod>
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		<lastmod>2024-03-08T10:08:58+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-is-proposed-to-be-granted-new-tasks-related-to-the-eu-digital-markets-act/</loc>
		<lastmod>2024-02-29T12:53:35+00:00</lastmod>
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		<lastmod>2026-03-16T08:41:43+00:00</lastmod>
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		<lastmod>2024-02-16T11:12:23+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/the-consumer-ombudsmans-guidances/</loc>
		<lastmod>2024-02-13T09:28:02+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-intervened-in-finnairs-unclear-environmental-marketing/</loc>
		<lastmod>2024-02-12T14:13:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/the-consumer-ombudsmans-guidances/vendors-obligations-when-a-consumer-complains-about-a-defective-product/</loc>
		<lastmod>2024-02-13T09:27:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/aaa-palvelut-oy-receives-prohibitions-due-to-telemarketing-market-court-outlines-the-core-issues-of-telemarketing-at-the-request-of-the-consumer-ombudsman/</loc>
		<lastmod>2024-06-12T11:43:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/strike-and-passenger-rights/</loc>
		<lastmod>2025-08-01T07:57:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-ombudsman/coaching-based-supervision/</loc>
		<lastmod>2024-01-19T13:13:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/postnord-stralfors-and-edita-prima-abandoned-a-merger-notified-to-the-fcca/</loc>
		<lastmod>2024-01-17T11:30:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/new-obligations-for-digital-operators-the-goal-is-safer-and-more-open-online-services/</loc>
		<lastmod>2024-01-12T12:28:31+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-supreme-administrative-court-imposed-a-penalty-payment-of-eur-1-75-million-on-isojoen-konehalli-for-resale-price-maintenance-in-electronic-commerce/</loc>
		<lastmod>2025-12-02T08:30:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-calls-for-accuracy-in-environmental-marketing-environmental-claims-made-by-marimekko-and-stockmann-online-shops-were-misleadingly-broad/</loc>
		<lastmod>2023-12-08T17:38:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-penalty-payment-of-eur-900000-on-valio-for-breaching-a-commitment-given-to-secure-clearance-of-heinon-tukku-acquisition/</loc>
		<lastmod>2023-12-22T15:59:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-has-been-granted-new-tasks-related-to-eu-competition-law/</loc>
		<lastmod>2024-03-27T13:06:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/news/fcca-studies-the-functioning-of-the-food-market/</loc>
		<lastmod>2023-11-23T09:01:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-imposed-eur-1-5-million-in-penalty-payments-on-prohibited-co-operation-for-six-companies-operating-in-public-transport-in-the-turku-region/</loc>
		<lastmod>2023-11-23T11:45:05+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-postnord-stralforss-proposed-acquisition-of-edita-prima/</loc>
		<lastmod>2024-01-08T13:18:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-tritons-acquisition-of-caverion-subject-to-conditions/</loc>
		<lastmod>2023-10-30T12:55:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/reform-of-the-consumer-protection-act-brings-changes-to-the-regulation-of-consumer-credit-and-online-payments/</loc>
		<lastmod>2023-10-24T07:50:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-bondoras-interest-terms-violated-price-regulation-on-lending-consumer-ombudsman-seeks-to-appeal-on-the-pricing-of-other-credit-costs/</loc>
		<lastmod>2023-12-15T15:20:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/fccas-learning-services/</loc>
		<lastmod>2023-10-30T09:23:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/news/new-customer-service-numbers-for-consumer-advisory-services-and-european-consumer-centre-finland/</loc>
		<lastmod>2023-09-04T07:13:45+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/penalty-of-eur-300000-imposed-to-maskun-kalustetalo-for-misleading-discount-marketing/</loc>
		<lastmod>2024-11-27T15:26:43+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/sustainability-is-often-too-vague-a-term-in-marketing-consumer-ombudsman-investigates-label-claims-on-aino-ice-cream-packaging/</loc>
		<lastmod>2023-12-15T15:23:47+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/news/frequently-asked-questions-about-the-impact-of-the-wildfires-on-rhodes-on-trip-cancellations-and-refunds/</loc>
		<lastmod>2023-07-27T10:29:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-the-tritons-proposed-acquisition-of-caverion-oyj/</loc>
		<lastmod>2023-07-26T08:07:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-intervened-in-the-customer-service-of-two-electricity-companies-poor-reachability-can-put-customers-in-a-difficult-position/</loc>
		<lastmod>2023-10-25T14:22:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/half-of-finnish-online-gambling-money-is-spent-outside-the-state-monopoly-system/</loc>
		<lastmod>2023-06-19T12:39:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/digital-content-and-digital-services/</loc>
		<lastmod>2023-05-23T11:30:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/parking-control/</loc>
		<lastmod>2023-05-23T06:52:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/research-and-advocacy/working-papers/effects-of-taxi-market-deregulation-evidence-from-a-natural-experiment/</loc>
		<lastmod>2025-10-01T10:52:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/parking-companies-practices-cause-problems-consumer-ombudsman-calls-for-corrections-from-parkkipate-and-finnpark/</loc>
		<lastmod>2023-12-15T16:54:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-intervened-in-the-travel-agent-srg-finlands-practice-to-charge-a-handling-fee-to-customers-when-a-flight-is-cancelled/</loc>
		<lastmod>2023-04-20T07:56:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-demands-that-health-care-giants-state-service-prices-openly/</loc>
		<lastmod>2023-10-25T06:55:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/dark-patterns/</loc>
		<lastmod>2023-04-13T11:01:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/contact/registry/submitting-a-request-for-information/</loc>
		<lastmod>2025-04-01T06:31:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/easily-accessible-basic-rate-service-number-must-be-offered-to-contract-customers-lippupiste-committed-to-correcting-its-practices/</loc>
		<lastmod>2023-08-11T07:53:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/vr-committed-to-improving-its-practices-in-delays-and-exceptional-circumstances-of-long-distance-traffic/</loc>
		<lastmod>2023-08-11T06:59:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/organising-customer-service/</loc>
		<lastmod>2024-08-14T13:32:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/research-and-advocacy/working-papers/complementary-bidding-and-cartel-detection-evidence-from-nordic-asphalt-markets/</loc>
		<lastmod>2025-10-01T11:03:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-the-competition-impacts-of-enersenses-proposed-acquisition-of-voimatel/</loc>
		<lastmod>2023-01-16T13:28:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/consumers-right-to-reimbursement/</loc>
		<lastmod>2023-01-11T13:14:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-takes-finance-company-bondora-before-market-court-for-violations-of-price-controls-on-lending/</loc>
		<lastmod>2023-08-11T07:25:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/consumer-reviews/</loc>
		<lastmod>2023-01-09T07:39:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/online-stores/obligation-to-provide-information-in-online-stores/</loc>
		<lastmod>2026-03-26T11:03:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/right-to-return-and-exchange/</loc>
		<lastmod>2024-12-23T12:43:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-intervened-in-vattenfalls-environmental-marketing-promises-of-fossil-freedom-too-broad/</loc>
		<lastmod>2022-12-21T12:45:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telemarketing-and-door-to-door-sales/withdrawing-and-returning-purchases-in-door-to-door-sales/</loc>
		<lastmod>2025-11-21T13:50:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-imposes-fines-of-about-eur-5-million-on-finnish-real-estate-management-federation-and-real-estate-management-companies-for-cartel/</loc>
		<lastmod>2022-12-20T13:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-protection-assistant/</loc>
		<lastmod>2022-12-14T12:33:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/the-cancellation-right-assistant/</loc>
		<lastmod>2023-09-14T12:49:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/liability-for-defects-and-warranty-assistant/</loc>
		<lastmod>2022-12-15T08:56:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/ship-and-ferry-traffic/</loc>
		<lastmod>2022-12-13T14:51:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/bus-and-coach-services/</loc>
		<lastmod>2022-12-13T14:32:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/taxi-ride/</loc>
		<lastmod>2022-12-13T14:18:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/travel-package/</loc>
		<lastmod>2026-01-08T13:48:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/flight/</loc>
		<lastmod>2025-12-17T08:54:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/house/</loc>
		<lastmod>2022-12-13T13:01:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/unjustified-invoice-card-charge-collection/</loc>
		<lastmod>2022-12-13T12:51:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/delayed-delivery-of-subscription/</loc>
		<lastmod>2022-12-13T12:33:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/defect-with-the-subscription/</loc>
		<lastmod>2022-12-13T12:19:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/delays-in-service/</loc>
		<lastmod>2022-12-13T12:12:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/defective-service/</loc>
		<lastmod>2022-12-13T12:08:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/delays-in-delivery/</loc>
		<lastmod>2026-02-06T08:58:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/defective-car/</loc>
		<lastmod>2026-02-10T11:03:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/blue-finance-suomi-violated-price-controls-on-lending-market-court-issued-a-prohibition/</loc>
		<lastmod>2023-08-11T07:13:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/research-and-advocacy/working-papers/the-effects-of-entry-deregulation-evidence-from-passenger-transport/</loc>
		<lastmod>2025-10-01T11:02:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/taxi-services-reform-brought-higher-average-fares-while-making-cheaper-rides-available/</loc>
		<lastmod>2022-11-01T06:50:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-best-interest-rate-guarantee-was-one-promise-too-much-sortter-committed-to-changing-its-marketing/</loc>
		<lastmod>2022-11-30T06:46:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/small-print-and-courting-during-the-trial-period-the-consumer-ombudsman-called-for-corrections-to-vitaepros-marketing/</loc>
		<lastmod>2022-11-30T06:52:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-wishes-to-remedy-the-scourge-of-online-commerce-the-seller-cannot-cancel-orders-based-on-availability-issues/</loc>
		<lastmod>2022-11-30T06:34:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/cartels-and-other-horizontal-restrictions-on-competition/report-a-cartel-or-other-restriction-of-competition/</loc>
		<lastmod>2022-12-19T19:27:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/cartels-and-other-horizontal-restrictions-on-competition/reveal-a-cartel-and-get-immunity-from-the-penalty-payment/</loc>
		<lastmod>2026-03-16T10:26:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/electricity-company-vare-did-not-give-up-data-hub-fees-the-consumer-ombudsman-filed-a-group-complaint/</loc>
		<lastmod>2022-11-30T11:08:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumers-face-issues-with-new-car-valuation-service-do-this-if-you-receive-a-surprise-invoice/</loc>
		<lastmod>2022-09-09T11:54:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-penalty-payments-totalling-eur-44-million-for-restricting-competition-in-the-hvac-infrastructure-pipeline-market/</loc>
		<lastmod>2022-09-09T11:46:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-finnish-consumer-ombudsman-intervened-in-fortums-vague-environmental-marketing-green-washing-does-not-lead-to-a-cleaner-world/</loc>
		<lastmod>2022-09-06T11:31:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/procedure-for-consumers-who-have-a-claim-for-compensation-to-lumo-energia-for-termination-of-a-fixed-term-contract/</loc>
		<lastmod>2022-09-02T10:21:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-the-proposed-merger-between-helen-and-lampoykkonen/</loc>
		<lastmod>2022-08-26T12:51:38+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-imposed-a-penalty-fee-of-eur-1-75-million-on-isojoen-konehalli-oy-for-imposing-retailer-prices-in-online-stores/</loc>
		<lastmod>2022-08-15T13:13:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/national-coordination-of-the-internal-market-information-system-imi/</loc>
		<lastmod>2022-07-22T08:50:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-intervened-in-misleading-marketing-and-distance-selling-of-the-ruokaboksi-service-a-one-off-trial-was-a-permanent-subscription/</loc>
		<lastmod>2022-11-30T06:41:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-proposes-a-cash-penalty-of-eur-1-million-to-masku-kalustetalo-for-misleading-discount-marketing/</loc>
		<lastmod>2022-11-30T06:38:54+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/consumer-ombudsmans-newsletter/</loc>
		<lastmod>2025-12-17T06:56:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/digital-content-and-services/</loc>
		<lastmod>2025-11-21T13:19:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/consequences-of-a-defect/</loc>
		<lastmod>2025-09-25T09:46:56+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/covid-19-really-put-the-creditors-liability-to-the-test-bank-practices-should-be-improved/</loc>
		<lastmod>2022-11-30T06:29:29+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/when-does-a-product-have-a-defect%e2%80%af/</loc>
		<lastmod>2024-09-26T08:30:43+00:00</lastmod>
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		<lastmod>2022-05-20T10:46:39+00:00</lastmod>
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		<lastmod>2022-05-16T09:37:33+00:00</lastmod>
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		<lastmod>2022-05-20T11:44:48+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/competition-affairs/cartels-and-other-horizontal-restrictions-on-competition/giving-a-tip-off-and-making-further-contact-anonymously/</loc>
		<lastmod>2022-11-14T14:26:13+00:00</lastmod>
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		<lastmod>2022-10-06T07:29:21+00:00</lastmod>
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		<lastmod>2022-05-20T05:50:01+00:00</lastmod>
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		<lastmod>2024-03-01T12:55:57+00:00</lastmod>
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		<lastmod>2022-03-24T12:00:01+00:00</lastmod>
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		<lastmod>2022-03-18T15:07:07+00:00</lastmod>
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		<lastmod>2022-04-20T07:17:10+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/housing/new-build-housing/insolvency-guarantee/</loc>
		<lastmod>2022-03-17T14:34:31+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/price-information/</loc>
		<lastmod>2025-09-02T06:26:21+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/discounts/</loc>
		<lastmod>2022-12-31T14:19:50+00:00</lastmod>
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		<lastmod>2022-05-18T08:45:56+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/lotteries-and-competitions/</loc>
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		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/special-offers/</loc>
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		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/clearance-sale/</loc>
		<lastmod>2022-12-31T14:52:34+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/combined-offers/</loc>
		<lastmod>2022-02-15T11:19:48+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/customer-loyalty-programmes/</loc>
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		<lastmod>2024-09-26T08:02:26+00:00</lastmod>
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		<lastmod>2022-02-10T16:32:14+00:00</lastmod>
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		<lastmod>2024-09-26T09:55:11+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/services/delay-in-a-service/</loc>
		<lastmod>2024-09-26T09:45:51+00:00</lastmod>
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		<lastmod>2022-02-11T11:29:27+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/flights/overbooking-and-denied-boarding/</loc>
		<lastmod>2022-02-10T14:57:54+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/compensation-for-losses-resulting-from-a-defect/</loc>
		<lastmod>2024-09-26T09:39:38+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/telephone-and-internet-subscriptions-postal-and-parcel-services/delays-in-providing-a-connection/</loc>
		<lastmod>2022-02-11T11:29:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/flights/rights-of-air-passengers-with-disabilities-and-reduced-mobility/</loc>
		<lastmod>2022-02-10T14:36:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/flights/filing-a-complaint-about-a-flight/</loc>
		<lastmod>2025-09-22T06:17:39+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/identifying-a-defect-and-the-costs-of-diagnostics/</loc>
		<lastmod>2024-09-26T09:05:07+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/user-instructions/</loc>
		<lastmod>2024-09-26T08:10:16+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telephone-and-internet-subscriptions-postal-and-parcel-services/newspaper-and-magazine-subscriptions/</loc>
		<lastmod>2022-02-11T11:29:26+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telephone-and-internet-subscriptions-postal-and-parcel-services/</loc>
		<lastmod>2022-02-10T10:30:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/report-a-scam/</loc>
		<lastmod>2024-04-26T09:16:56+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/scams/subscription-traps/free-samples-and-introductory-offers/</loc>
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		<loc>https://www.kkv.fi/en/consumer-affairs/housing/electricity/</loc>
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		<lastmod>2022-02-09T16:35:32+00:00</lastmod>
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		<lastmod>2024-03-07T06:53:42+00:00</lastmod>
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		<lastmod>2024-08-14T08:32:34+00:00</lastmod>
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	<url>
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		<lastmod>2025-01-09T14:08:34+00:00</lastmod>
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	<url>
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		<lastmod>2024-08-14T08:31:14+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/contracts/duration-of-a-contract/</loc>
		<lastmod>2024-08-14T08:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/contracts/terminating-a-contract/</loc>
		<lastmod>2024-08-14T08:28:45+00:00</lastmod>
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	<url>
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		<lastmod>2024-08-14T08:26:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/contracts/agreeing-on-the-price-of-services/</loc>
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		<lastmod>2024-08-14T08:22:57+00:00</lastmod>
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	<url>
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		<lastmod>2022-02-08T09:25:13+00:00</lastmod>
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		<lastmod>2024-02-26T10:06:41+00:00</lastmod>
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	<url>
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		<lastmod>2022-02-07T17:35:57+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telemarketing-and-door-to-door-sales/</loc>
		<lastmod>2022-02-07T17:26:01+00:00</lastmod>
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		<lastmod>2023-06-21T10:51:38+00:00</lastmod>
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	<url>
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		<lastmod>2023-01-11T13:21:32+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/contracts/customer-services-subject-to-charge/</loc>
		<lastmod>2024-08-14T08:34:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/withdrawal-of-a-credit-contract/</loc>
		<lastmod>2022-02-07T08:55:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/calling-in-a-loan/</loc>
		<lastmod>2022-02-07T08:51:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/flights/liability-for-damage-caused-by-delayed-flight/</loc>
		<lastmod>2025-03-10T08:06:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/payments/methods-of-payment/</loc>
		<lastmod>2022-02-07T17:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/payments/losing-your-payment-card/</loc>
		<lastmod>2022-02-07T17:37:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/flights/downgrading/</loc>
		<lastmod>2022-03-11T11:09:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/flights/luggage/</loc>
		<lastmod>2025-01-16T14:48:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/subscription-traps/</loc>
		<lastmod>2022-02-10T09:26:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/second-hand-car/a-defect-in-a-second-hand-car/</loc>
		<lastmod>2025-11-03T07:38:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/second-hand-car/buying-a-second-hand-car/</loc>
		<lastmod>2023-11-17T10:11:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/second-hand-car/</loc>
		<lastmod>2022-02-09T09:21:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/trade-in-car/rights-and-liability-for-a-trade-in-car/</loc>
		<lastmod>2022-02-06T14:44:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/trade-in-car/assigning-a-trade-in-car/</loc>
		<lastmod>2022-02-06T14:37:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/trade-in-car/</loc>
		<lastmod>2022-02-09T09:25:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/new-cars/a-defect-in-a-new-car/</loc>
		<lastmod>2025-11-01T08:49:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/new-cars/purchasing-a-new-car/</loc>
		<lastmod>2022-02-06T11:23:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/new-cars/</loc>
		<lastmod>2022-02-09T09:22:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/car-services-and-repairs/delays-and-defects-in-repairs/</loc>
		<lastmod>2024-02-14T13:48:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/car-services-and-repairs/car-services-and-repairs/</loc>
		<lastmod>2022-02-06T10:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/cars-and-parking/car-services-and-repairs/</loc>
		<lastmod>2022-02-09T09:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/flights/flight-cancellation/</loc>
		<lastmod>2024-03-06T10:03:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/flights/flight-prices-and-bookings/</loc>
		<lastmod>2022-02-04T13:16:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/cancelling-a-consumers-right-to-use-credit/</loc>
		<lastmod>2022-02-04T12:30:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/concluding-a-credit-contract/</loc>
		<lastmod>2026-02-17T11:48:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/flights/</loc>
		<lastmod>2024-03-06T10:01:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/terminating-your-continuous-credit/</loc>
		<lastmod>2022-02-04T11:53:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/help-with-payment-difficulties/</loc>
		<lastmod>2026-03-02T07:34:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/delays-in-delivery/</loc>
		<lastmod>2024-09-26T07:52:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/services/cancelling-the-provision-of-a-service/</loc>
		<lastmod>2024-09-26T09:47:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/contracts/cancelling-an-order/</loc>
		<lastmod>2024-08-14T08:27:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/residential-care-housing/</loc>
		<lastmod>2023-12-08T13:53:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/part-ownership-housing/</loc>
		<lastmod>2022-02-03T09:41:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-takes-finance-company-blue-finance-suomi-oy-before-market-court-for-violations-of-price-controls-on-lending/</loc>
		<lastmod>2022-05-20T07:20:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/single-family-houses/defects-in-single-family-houses/</loc>
		<lastmod>2022-12-21T11:48:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/single-family-houses/buying-a-single-family-house/</loc>
		<lastmod>2026-01-26T13:36:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/single-family-houses/selling-a-single-family-house/</loc>
		<lastmod>2022-02-02T07:43:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/single-family-houses/</loc>
		<lastmod>2022-02-02T07:17:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/real-estate-agents-services/commission/</loc>
		<lastmod>2026-01-30T13:37:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/real-estate-agents-services/the-real-estate-agents-services/</loc>
		<lastmod>2026-01-30T13:27:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/real-estate-agents-services/the-real-estate-agents-liability/</loc>
		<lastmod>2026-01-30T15:22:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/real-estate-agents-services/</loc>
		<lastmod>2026-01-14T14:05:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/bankruptcies/</loc>
		<lastmod>2025-08-07T08:15:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/used-apartments/a-defect-in-a-used-apartment/</loc>
		<lastmod>2022-04-08T12:30:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/used-apartments/buying-a-used-apartment/</loc>
		<lastmod>2025-06-06T11:12:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/price-of-credit/</loc>
		<lastmod>2025-05-15T08:00:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/early-repayment-of-a-loan/</loc>
		<lastmod>2022-01-31T10:59:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/services/compensation-for-a-defect-in-a-service/</loc>
		<lastmod>2024-09-26T09:54:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/gift-vouchers/</loc>
		<lastmod>2024-09-26T09:42:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/services/options-in-disputes/</loc>
		<lastmod>2024-09-26T09:56:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/filing-a-complaint-about-the-costs-of-consumer-credit/</loc>
		<lastmod>2024-05-10T11:09:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/used-apartments/selling-a-used-apartment/</loc>
		<lastmod>2022-01-31T13:01:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/payments/additional-fees-and-discount-based-on-method-of-payment/</loc>
		<lastmod>2022-02-07T17:37:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/used-apartments/</loc>
		<lastmod>2022-01-31T08:54:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/housing-companies/</loc>
		<lastmod>2022-01-31T08:42:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/payments/receipts/</loc>
		<lastmod>2022-02-07T17:36:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/liability-for-defects-in-second-hand-goods/</loc>
		<lastmod>2024-09-26T09:41:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/products/who-is-liable-for-a-defect/</loc>
		<lastmod>2024-09-26T06:59:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telephone-and-internet-subscriptions-postal-and-parcel-services/postal-and-parcel-services/</loc>
		<lastmod>2022-02-11T11:29:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telephone-and-internet-subscriptions-postal-and-parcel-services/defect-in-a-connection/</loc>
		<lastmod>2022-02-11T11:29:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telephone-and-internet-subscriptions-postal-and-parcel-services/switching-operators-and-transferring-your-number-to-another-network/</loc>
		<lastmod>2022-02-11T11:29:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telephone-and-internet-subscriptions-postal-and-parcel-services/pay-tv-services-streaming-services-and-terminal-devices-in-connection-with-subscription-sales/</loc>
		<lastmod>2022-02-11T11:29:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telephone-and-internet-subscriptions-postal-and-parcel-services/marketing-subscriptions-and-concluding-a-contract/</loc>
		<lastmod>2022-02-11T11:33:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telephone-and-internet-subscriptions-postal-and-parcel-services/invoicing-problems-and-the-operators-liability-for-charges-in-the-subscription-invoice/</loc>
		<lastmod>2022-02-11T11:29:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/holiday-club-and-timeshare-scams/</loc>
		<lastmod>2022-02-10T09:59:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/business-and-investment-scams/</loc>
		<lastmod>2022-02-10T09:35:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/charity-scams/</loc>
		<lastmod>2025-02-28T09:32:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/fraudsters-target-older-people/</loc>
		<lastmod>2022-02-10T09:56:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/miracle-products/</loc>
		<lastmod>2022-02-10T09:50:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/online-shopping-scams/</loc>
		<lastmod>2022-02-10T09:27:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/what-to-do-if-you-come-across-a-scam/</loc>
		<lastmod>2022-02-10T09:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/scams/this-is-how-you-recognise-and-avoid-a-scam/</loc>
		<lastmod>2022-02-10T09:09:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-mehilainens-acquisition-of-fysios-subject-to-conditions/</loc>
		<lastmod>2022-01-28T14:08:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/filing-a-complaint-about-a-train-journey/</loc>
		<lastmod>2024-06-26T10:51:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-updated-the-guidelines-on-immunity-from-penalty-payment-and-reducing-the-penalty-payment/</loc>
		<lastmod>2026-03-16T08:36:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-the-acquisition-of-pohjola-sairaala-by-pihlajalinna/</loc>
		<lastmod>2022-01-27T08:17:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telemarketing-and-door-to-door-sales/withdrawing-and-returning-telemarketing-purchases/</loc>
		<lastmod>2023-09-11T09:43:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telemarketing-and-door-to-door-sales/telemarketing/</loc>
		<lastmod>2023-01-17T07:29:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-ombudsman/the-consumer-ombudsmans-supervision-measures-and-sanctions/</loc>
		<lastmod>2025-10-03T14:30:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-ombudsman/the-consumer-ombudsmans-principles-for-prioritisation/</loc>
		<lastmod>2025-10-03T13:42:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-ombudsman/legal-assistance-to-consumers/</loc>
		<lastmod>2022-01-24T15:17:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-ombudsman/supervisory-duties-of-the-consumer-ombudsman/</loc>
		<lastmod>2022-01-24T15:05:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-ombudsman/</loc>
		<lastmod>2024-06-03T06:49:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/taxi-services/defects-in-taxi-services/</loc>
		<lastmod>2024-10-28T09:57:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/taxi-services/pricing-of-taxi-services/</loc>
		<lastmod>2025-06-10T11:04:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-lantmannens-proposed-acquisition-of-myllyn-paras/</loc>
		<lastmod>2022-05-10T12:26:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/taxi-services/</loc>
		<lastmod>2022-01-21T13:01:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/local-transport/</loc>
		<lastmod>2024-03-06T09:43:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/accommodation-services/</loc>
		<lastmod>2025-06-11T13:58:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/ship-and-ferry-traffic/filing-a-complaint-about-a-ship-voyage/</loc>
		<lastmod>2024-02-07T11:56:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/ship-and-ferry-traffic/cancellation-or-delay/</loc>
		<lastmod>2022-03-10T13:41:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/direct-marketing/inappropriate-direct-marketing/</loc>
		<lastmod>2022-01-17T11:42:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/direct-marketing/prohibiting-direct-marketing-and-telemarketing/</loc>
		<lastmod>2022-01-17T10:53:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/direct-marketing/</loc>
		<lastmod>2022-01-17T10:44:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/marketing-sales-and-indicating-prices/</loc>
		<lastmod>2022-01-17T10:43:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/international-cooperation/oecd-annual-reports-and-other-discussion-papers/</loc>
		<lastmod>2024-03-26T12:30:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/debt-collection-and-payment-arrangements/expiration-of-debt/</loc>
		<lastmod>2026-03-12T07:38:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/online-stores/right-of-withdrawal-in-e-commerce/</loc>
		<lastmod>2025-10-07T12:06:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/online-stores/refund-of-payment-when-you-withdraw-from-an-online-purchase/</loc>
		<lastmod>2024-01-18T13:33:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/online-stores/extension-of-the-withdrawal-period/</loc>
		<lastmod>2023-04-13T08:54:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/online-stores/examining-or-trying-out-goods-purchased-online/</loc>
		<lastmod>2023-04-13T08:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/online-stores/price-and-additional-charges-in-online-stores/</loc>
		<lastmod>2022-12-28T08:25:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/online-stores/</loc>
		<lastmod>2022-01-11T10:32:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/bus-and-coach-transport/filing-a-complaint-about-a-bus-and-couch-transport/</loc>
		<lastmod>2024-06-13T10:26:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/bus-and-coach-transport/compensation-for-damages-in-bus-and-coach-transport/</loc>
		<lastmod>2024-03-06T09:55:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/bus-and-coach-transport/compensation-when-a-bus-or-coach-journey-is-delayed-or-cancelled/</loc>
		<lastmod>2024-03-06T09:55:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/bus-and-coach-transport/obligation-to-offer-assistance-to-passengers-when-a-bus-or-coach-journey-is-cancelled-delayed-or-interrupted/</loc>
		<lastmod>2024-03-06T09:56:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/bus-and-coach-transport/</loc>
		<lastmod>2024-03-06T10:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/linked-travel-arrangements/</loc>
		<lastmod>2024-06-20T13:09:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/filing-a-complaint/</loc>
		<lastmod>2024-06-20T13:08:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/what-is-a-travel-package/</loc>
		<lastmod>2024-06-20T13:08:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/cancellation-of-a-package-travel-contract/</loc>
		<lastmod>2024-06-26T11:04:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/package-travel-defects-and-refunds/</loc>
		<lastmod>2024-06-13T10:12:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/changing-a-travel-package/</loc>
		<lastmod>2022-06-01T13:10:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/the-organisers-obligation-to-provide-information/</loc>
		<lastmod>2022-06-01T13:12:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/travel-organisers-bankruptcy/</loc>
		<lastmod>2023-07-13T12:59:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/the-organisers-duty-to-assist/</loc>
		<lastmod>2022-06-01T13:12:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/rental-apartments/security-deposit-for-a-rented-apartment/</loc>
		<lastmod>2022-12-21T10:58:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/rental-apartments/cancelling-of-a-lease/</loc>
		<lastmod>2022-12-21T10:56:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/rental-apartments/terminating-a-lease/</loc>
		<lastmod>2022-12-21T10:58:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/rental-apartments/paying-the-rent-and-rent-raise/</loc>
		<lastmod>2022-12-21T10:56:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/rental-apartments/tenants-obligations-and-liability/</loc>
		<lastmod>2025-05-16T12:35:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/rental-apartments/inadequate-condition-of-a-rental-apartment/</loc>
		<lastmod>2022-12-21T10:55:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/rental-apartments/</loc>
		<lastmod>2022-01-03T09:19:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/</loc>
		<lastmod>2022-04-01T15:57:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/housing/right-of-occupancy-flats/</loc>
		<lastmod>2023-09-22T11:42:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/debt-collection-and-payment-arrangements/complaining-about-an-invoice-or-debt-collection/</loc>
		<lastmod>2022-02-07T08:02:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/debt-collection-and-payment-arrangements/payment-arrangements/</loc>
		<lastmod>2023-09-14T10:52:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/debt-collection-and-payment-arrangements/payment-default-entry/</loc>
		<lastmod>2022-12-28T11:41:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/ship-and-ferry-traffic/ship-voyages-cancelled-by-passengers/</loc>
		<lastmod>2022-01-20T14:34:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/ship-and-ferry-traffic/delay-in-arrival/</loc>
		<lastmod>2022-03-10T13:51:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/ship-and-ferry-traffic/compensation-for-damages/</loc>
		<lastmod>2022-03-10T13:49:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/ship-and-ferry-traffic/</loc>
		<lastmod>2024-02-07T11:55:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/debt-collection-and-payment-arrangements/debt-collection-process/</loc>
		<lastmod>2023-09-11T12:15:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/debt-collection-and-payment-arrangements/</loc>
		<lastmod>2021-12-29T09:10:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/international-cooperation/</loc>
		<lastmod>2024-07-05T09:24:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/telemarketing-and-door-to-door-sales/door-to-door-sales/</loc>
		<lastmod>2025-11-21T13:52:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/moderation-of-instant-loans/</loc>
		<lastmod>2023-09-19T08:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/credit/</loc>
		<lastmod>2021-12-13T19:13:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/cartels-and-other-horizontal-restrictions-on-competition/</loc>
		<lastmod>2026-03-18T08:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-jvg-and-unibet-violated-the-rules-of-influencer-marketing/</loc>
		<lastmod>2022-05-17T08:30:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/contact/personnel/</loc>
		<lastmod>2026-01-29T15:11:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/contact/consumer-division/</loc>
		<lastmod>2025-05-27T12:32:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/contact/administration/</loc>
		<lastmod>2026-01-13T13:44:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/contact/ict-and-digitalisation/</loc>
		<lastmod>2021-12-10T18:10:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/contact/registry/</loc>
		<lastmod>2025-01-28T09:45:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/contact/management/</loc>
		<lastmod>2021-12-10T18:10:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/when-a-cruise-is-a-travel-package-the-shipping-company-must-take-responsibility-corresponding-to-it/</loc>
		<lastmod>2022-05-17T08:45:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/online-services-and-privacy-protection/feedback/</loc>
		<lastmod>2024-10-02T04:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/online-services-and-privacy-protection/accessibility/accessibility-statement-for-the-reporting-service-of-guarantee-registry/</loc>
		<lastmod>2025-04-09T11:37:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/online-services-and-privacy-protection/accessibility/accessibility-statement-for-the-consumer-protection-assistant/</loc>
		<lastmod>2021-12-06T16:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/online-services-and-privacy-protection/accessibility/kkvfi-accessibility-statement/</loc>
		<lastmod>2025-12-25T13:04:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/online-services-and-privacy-protection/accessibility/</loc>
		<lastmod>2025-04-09T10:57:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/online-services-and-privacy-protection/cookies/</loc>
		<lastmod>2023-07-03T09:29:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/online-services-and-privacy-protection/data-protection/</loc>
		<lastmod>2024-09-17T08:01:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/online-services-and-privacy-protection/</loc>
		<lastmod>2023-10-21T08:08:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/contact/communications/</loc>
		<lastmod>2021-12-10T18:59:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/contact/competition-division/</loc>
		<lastmod>2025-10-21T08:37:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/general-terms-and-conditions-for-package-travel/</loc>
		<lastmod>2021-12-05T10:07:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/</loc>
		<lastmod>2025-06-11T13:25:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/</loc>
		<lastmod>2025-10-16T12:44:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/priorities-of-competition-enforcement-on-the-taxi-markets/</loc>
		<lastmod>2025-11-26T12:15:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/travel-guarantee-register/</loc>
		<lastmod>2025-12-09T12:41:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/travel-and-accommodation/travel-packages-and-linked-travel-arrangements/travel-guarantee-register/application-for-compensation/</loc>
		<lastmod>2024-06-20T13:13:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/oneway-flight-mileage-examples-form-d/</loc>
		<lastmod>2022-05-30T05:57:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/advice-for-travel-organisers/</loc>
		<lastmod>2022-06-01T12:56:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/associations-as-travel-organisers/</loc>
		<lastmod>2022-06-20T12:06:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/reporting/</loc>
		<lastmod>2024-12-11T08:21:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/security-templates-for-financial-institutions/</loc>
		<lastmod>2025-06-27T10:34:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/fees-paid-by-organisers/</loc>
		<lastmod>2026-01-29T11:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/travel-organisers-security/</loc>
		<lastmod>2024-09-26T08:35:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/registration/</loc>
		<lastmod>2026-01-08T12:48:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/travel-package-assistant/</loc>
		<lastmod>2022-12-15T09:48:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/act-on-travel-service-combinations/</loc>
		<lastmod>2024-03-08T09:47:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/travel-organisers/</loc>
		<lastmod>2021-12-13T09:37:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/merger-control/</loc>
		<lastmod>2022-08-31T13:33:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/guidance-on-consumer-law-issues-for-companies/</loc>
		<lastmod>2025-09-26T07:53:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/information-about-the-consumer-advisory-services/</loc>
		<lastmod>2023-02-02T13:20:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/online-services-and-privacy-protection/accessibility/accessibility-statement-for-the-online-consumer-services-form/</loc>
		<lastmod>2025-04-09T11:08:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/creditors-liability/</loc>
		<lastmod>2023-02-10T08:33:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/supervision-of-public-procurement/</loc>
		<lastmod>2022-02-07T08:46:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/the-consumer-ombudsmans-guidelines/international-guidelines/</loc>
		<lastmod>2021-11-29T08:43:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/guidelines-on-the-application-of-the-competition-act/guidelines-on-immunity-from-and-reduction-of-penalty-payments-in-cartel-cases/</loc>
		<lastmod>2022-01-27T08:15:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/competition-affairs/guidelines-on-the-application-of-the-competition-act/</loc>
		<lastmod>2021-12-13T20:02:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/credit-and-payments/</loc>
		<lastmod>2021-11-26T18:02:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/the-consumer-ombudsmans-guidelines/marketing-of-flights/</loc>
		<lastmod>2023-06-29T15:44:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/the-consumer-ombudsmans-guidelines/promotional-games/</loc>
		<lastmod>2025-02-19T13:10:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/the-consumer-ombudsmans-guidelines/changes-in-contract-terms/</loc>
		<lastmod>2025-02-24T14:55:58+00:00</lastmod>
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		<lastmod>2025-06-24T08:22:18+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/facts-and-advice-for-businesses/the-consumer-ombudsmans-guidelines/good-practice-in-consumer-debt-collection/</loc>
		<lastmod>2026-03-18T07:51:37+00:00</lastmod>
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		<lastmod>2021-11-24T17:42:39+00:00</lastmod>
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		<lastmod>2024-09-02T06:36:40+00:00</lastmod>
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		<lastmod>2022-08-12T09:52:18+00:00</lastmod>
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		<lastmod>2023-09-18T08:42:47+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/competition-affairs/the-exchange-of-information-between-members-on-multijurisdictional-mergers/</loc>
		<lastmod>2021-11-18T12:42:44+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/</loc>
		<lastmod>2025-11-21T13:20:39+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/competition-affairs/</loc>
		<lastmod>2023-09-18T08:12:25+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/information-on-the-finnish-competition-and-consumer-authority/</loc>
		<lastmod>2026-01-29T15:18:06+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/lower-climate-impact-how-come-the-consumer-ombudsman-calls-for-accuracy-in-the-environmental-claims-used-in-marketing/</loc>
		<lastmod>2022-05-17T08:53:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/</loc>
		<lastmod>2026-03-19T14:22:52+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/consumer-advisory-services/making-a-complaint/</loc>
		<lastmod>2025-10-21T12:35:58+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/consumer-affairs/elderly-people/</loc>
		<lastmod>2024-10-24T11:59:24+00:00</lastmod>
	</url>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-that-nearly-eur-19-million-in-penalty-payments-be-imposed-on-six-companies-operating-in-turku-subregion-public-transport-services-and-their-joint-venture-for-severe-restrictions-on/</loc>
		<lastmod>2021-12-11T14:37:35+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-conditionally-approves-the-merger-between-valio-and-heinon-tukku/</loc>
		<lastmod>2021-12-11T14:44:37+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/changes-to-monitoring-competition-restraints-and-sanctions-imposed-for-infringements-amendments-to-the-competition-act-will-enter-into-force-on-24-june-2021/</loc>
		<lastmod>2022-08-11T13:03:49+00:00</lastmod>
	</url>
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		<loc>https://www.kkv.fi/en/current/press-releases/fcca-study-expanding-the-obligation-to-notify-mergers-would-create-significant-consumer-benefit/</loc>
		<lastmod>2021-12-11T14:59:26+00:00</lastmod>
	</url>
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		<loc>https://www.kkv.fi/en/current/press-releases/fcca-taxi-entrepreneurs-in-the-hyvinkaa-area-have-engaged-in-illegal-cartel-activities/</loc>
		<lastmod>2021-12-11T15:51:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-has-conditionally-approved-the-merger-between-altia-and-arcus/</loc>
		<lastmod>2021-12-11T17:44:02+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/nordic-competition-authorities-online-pharmacies-can-increase-competition-in-the-pharmacy-sector/</loc>
		<lastmod>2021-12-11T16:13:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/better-protection-needed-against-illegal-online-content/</loc>
		<lastmod>2022-03-11T16:20:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/capehill-offered-legal-services-in-an-unclear-manner/</loc>
		<lastmod>2022-03-11T16:18:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/consumer-ombudsman-on-the-cancellation-of-finlandia-ski-marathon-due-to-lack-of-snow-consumers-who-paid-for-participation-with-their-own-money-entitled-to-compensation/</loc>
		<lastmod>2022-03-11T16:17:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/onnibus-website-gave-inadequate-information-on-the-rights-of-the-passengers/</loc>
		<lastmod>2022-03-11T16:15:00+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/research-and-advocacy/working-papers/what-are-the-priorities-of-bureaucrats-evidence-from-conjoint-experiments-with-procurement-officials/</loc>
		<lastmod>2026-03-10T13:11:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/instant-credit-class-action-the-consumer-ombudsmans-negotiations-with-j-w-yhtiot-and-weststar-ended-with-the-payment-of-compensation/</loc>
		<lastmod>2022-01-20T13:31:02+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/market-court-imposed-penalty-payments-of-eur-3-2-million-in-total-on-jackon-finland-and-uk-muovi-for-involvement-in-a-national-price-cartel-in-the-building-insulation-market/</loc>
		<lastmod>2021-12-11T17:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-finnish-gambling-monopoly-veikkaus-returns-should-be-transferred-to-the-state-budget/</loc>
		<lastmod>2021-12-11T17:06:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-that-eur-22-million-in-penalty-payments-be-imposed-for-a-price-cartel-on-companies-in-real-estate-management-and-the-finnish-real-estate-management-federation/</loc>
		<lastmod>2022-12-16T13:56:16+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/continuous-development-of-algorithms-requires-ensuring-the-functioning-of-competition-and-the-interests-of-consumers/</loc>
		<lastmod>2021-12-20T15:01:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsmans-guidelines-for-companies-on-marketing-and-commercial-activities-in-schools-educational-institutions-and-early-childhood-education-and-care/</loc>
		<lastmod>2021-12-11T16:52:00+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-huutokaupat-com-online-store-violated-the-consumer-protection-act-prohibition-enforced-by-a-conditional-fine-issued-to-the-operator-of-the-online-shop/</loc>
		<lastmod>2021-12-04T14:50:02+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-proposed-merger-between-altia-and-arcus/</loc>
		<lastmod>2021-12-01T14:03:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-pharmacy-market-study-proposes-measures-to-reduce-the-costs-of-medicines-for-consumers-and-society/</loc>
		<lastmod>2023-02-13T09:19:25+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/misleading-marketing-is-an-ongoing-problem-in-the-natural-products-industry-the-consumer-ombudsman-demands-that-naturamed-pharma-pay-the-eur-100000-conditional-fine-levied-against-it/</loc>
		<lastmod>2022-03-30T07:08:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/supervision-of-consumer-protection-during-the-pandemic/</loc>
		<lastmod>2022-03-18T14:35:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/following-the-corona-pandemic-the-world-adapted-to-a-new-position-consumer-rights-must-be-safeguarded-even-in-emergency-conditions/</loc>
		<lastmod>2022-03-17T16:18:31+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-number-of-consumer-contacts-on-kasbono-are-surging-do-this-if-you-receive-a-collection-letter/</loc>
		<lastmod>2022-03-30T07:03:13+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-conditionally-approves-acquisition-of-automatia-by-loomis/</loc>
		<lastmod>2022-08-12T09:44:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsmans-negotiations-with-euro24-and-gothia-progressed-to-voluntary-compensation-class-action-not-currently-needed/</loc>
		<lastmod>2022-01-20T13:30:27+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-finds-that-the-arrangement-of-social-welfare-and-health-care-services-in-savitaipale-violated-the-act-on-public-procurement/</loc>
		<lastmod>2022-03-30T07:06:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-removes-the-conditions-set-for-the-posti-atkos-printmail-merger-on-application-by-posti/</loc>
		<lastmod>2022-03-28T08:11:46+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-the-market-court-to-prohibit-the-merger-between-mehilainen-and-pihlajalinna/</loc>
		<lastmod>2022-03-28T08:08:21+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-veikkauss-procurement-of-the-central-gaming-system-was-illegal/</loc>
		<lastmod>2021-12-05T13:48:29+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/nordic-competition-authorities-release-joint-memorandum-on-digital-platforms/</loc>
		<lastmod>2022-03-28T07:58:58+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-a-penalty-payment-to-kymsote-for-the-unlawful-direct-procurement-of-ophthalmology-services/</loc>
		<lastmod>2021-12-05T13:54:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-instructed-credit-comparison-services-on-the-rules-laid-down-in-the-consumer-protection-act/</loc>
		<lastmod>2022-03-18T15:32:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/more-research-data-is-needed-on-child-consumer-protection-in-the-digital-world/</loc>
		<lastmod>2025-08-04T11:50:36+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/all-nordic-countries-have-now-joined-the-agreement-on-cooperation-in-competition-cases/</loc>
		<lastmod>2022-03-28T06:58:03+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-that-the-municipality-of-puolanka-be-sanctioned-for-significant-unlawful-direct-procurement-of-social-welfare-and-health-care-services/</loc>
		<lastmod>2021-12-05T14:01:05+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-imposes-eur-50000-penalty-payments-in-total-on-hus-for-direct-procurement-that-breaches-the-act-on-public-procurement-and-concession-contracts/</loc>
		<lastmod>2021-12-09T08:45:40+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/numerous-contacts-about-collection-letters-sent-by-kasbono-see-instructions-on-how-to-proceed/</loc>
		<lastmod>2022-03-30T06:59:28+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-the-acquisition-between-hankkija-and-sso-rauta-maatalous/</loc>
		<lastmod>2022-03-28T06:49:45+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-time-limit-for-processing-the-merger-of-mehilainen-and-pihlajalinna-has-been-extended-until-29-september-2020/</loc>
		<lastmod>2022-03-28T06:44:56+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-time-limit-for-processing-the-merger-of-loomis-and-automatia-has-been-extended-until-23-september-2020/</loc>
		<lastmod>2022-08-12T09:51:32+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-time-limit-for-processing-the-merger-of-loomis-and-automatia-has-been-extended-until-14-10-2020/</loc>
		<lastmod>2022-08-12T09:45:37+00:00</lastmod>
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		<lastmod>2022-03-25T12:08:07+00:00</lastmod>
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		<lastmod>2021-12-20T10:15:50+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-investigating-telemarketing-of-electricity-contracts/</loc>
		<lastmod>2021-12-03T10:48:06+00:00</lastmod>
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		<lastmod>2022-01-26T11:40:27+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-on-journeys-cancelled-due-to-the-coronavirus-refund-periods-may-not-be-prolonged-by-months-on-end/</loc>
		<lastmod>2022-03-17T16:40:55+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/several-reports-on-telemarketing-by-health-group-finland-super-living-products-and-vitaelife-pharma/</loc>
		<lastmod>2023-09-05T14:33:36+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/travel-restrictions-were-alleviated-cost-free-cancellation-no-longer-applicable-to-all-countries/</loc>
		<lastmod>2022-03-17T16:35:17+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/finnish-competition-and-consumer-authority-fcca-regulation-on-telemarketing-needs-to-be-tightened/</loc>
		<lastmod>2021-12-11T14:53:29+00:00</lastmod>
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		<lastmod>2022-03-18T15:43:14+00:00</lastmod>
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		<lastmod>2022-03-18T16:45:08+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/fccas-investigation-into-the-taxi-services-the-investigation-concerning-seven-taxi-dispatch-centres-is-has-ended-but-six-centres-are-still-suspected-of-banned-restrictions-on-compe-2/</loc>
		<lastmod>2022-03-25T10:47:22+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/e-commerce-has-become-more-popular-than-ever-during-the-corona-pandemic-take-these-points-into-account-in-chat-sales/</loc>
		<lastmod>2022-03-18T16:54:16+00:00</lastmod>
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		<lastmod>2022-03-30T06:56:31+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-a-penalty-of-eur-9-million-to-ikh-for-resale-price-maintenance/</loc>
		<lastmod>2022-08-15T10:34:35+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-the-proposed-merger-of-loomis-and-automatia/</loc>
		<lastmod>2022-03-30T06:52:30+00:00</lastmod>
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		<loc>https://www.kkv.fi/en/current/press-releases/the-finnish-heritage-agency-is-committed-to-undertake-measures-to-improve-neutral-competition-conditions/</loc>
		<lastmod>2021-12-05T11:44:03+00:00</lastmod>
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		<lastmod>2022-03-30T06:51:24+00:00</lastmod>
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	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/faq-about-coronavirus-events-and-services/</loc>
		<lastmod>2021-12-11T13:31:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/problems-with-the-electricity-company-continue-the-consumer-ombudsman-takes-fi-nergy-voima-to-the-market-court/</loc>
		<lastmod>2021-12-03T12:18:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/charity-or-a-scam-attempt-a-fund-raising-permit-ensures-that-your-money-goes-to-charity/</loc>
		<lastmod>2022-03-17T15:20:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-donges-teras-oys-acquisition-of-ruukki-building-systems-ltd-subject-to-conditions/</loc>
		<lastmod>2022-03-30T06:48:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/misleading-telephone-sales-of-dietary-supplements-and-natural-products-is-a-nuisance-for-the-elderly/</loc>
		<lastmod>2023-09-04T15:20:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/competition-legislation-does-not-prevent-necessary-measures-for-safeguarding-the-supply-of-personal-protective-equipment-and-medicines/</loc>
		<lastmod>2022-03-30T06:47:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-consumer-ombudsman-is-taking-the-online-store-huutokaupat-com-to-market-court-for-breach-of-consumers-rights/</loc>
		<lastmod>2021-12-04T14:49:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-finds-no-evidence-of-predatory-pricing-in-the-distribution-of-unaddressed-advertising-by-posti/</loc>
		<lastmod>2022-03-30T06:33:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/coronavirus-fears-breed-scams-and-misleading-marketing-companies-must-act-responsibly/</loc>
		<lastmod>2022-03-17T15:14:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/movement-restrictions-in-uusimaa-what-do-the-restrictions-mean-for-consumers/</loc>
		<lastmod>2022-03-17T16:28:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/customer-services-congested-due-to-the-corona-virus-the-provision-of-clear-guidance-will-serve-businesses-and-consumers-alike/</loc>
		<lastmod>2021-12-10T15:16:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/exceptional-circumstances-caused-by-the-coronavirus-to-affect-the-application-of-the-competition-act/</loc>
		<lastmod>2025-02-03T10:18:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-tour-operators-must-comply-with-the-consumer-protection-act-also-in-exceptional-situations/</loc>
		<lastmod>2022-03-17T15:57:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/have-you-gotten-into-financial-difficulties-because-of-coronavirus-instant-loans-are-not-your-only-choice/</loc>
		<lastmod>2022-03-17T15:43:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/news/faq-about-coronavirus-travel-and-public-transport/</loc>
		<lastmod>2021-12-11T13:32:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-prohibition-of-the-merger-between-kesko-and-heinon-tukku-became-legally-binding/</loc>
		<lastmod>2022-03-30T06:30:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-proposed-merger-between-mehilainen-and-pihlajalinna/</loc>
		<lastmod>2022-03-28T06:43:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/news/coronavirus-and-consumer-rights/</loc>
		<lastmod>2021-12-11T13:25:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/making-every-effort-to-reduce-the-cost-of-instant-credit/</loc>
		<lastmod>2022-03-17T16:16:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/keskos-acquisition-of-heinon-tukku-blocked-by-the-finnish-market-court/</loc>
		<lastmod>2022-03-30T06:28:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/problems-with-city-bike-returns-service-provider-cannot-avoid-liability/</loc>
		<lastmod>2022-03-30T06:27:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/prohibitions-reinforced-with-a-penalty-payment-imposed-on-an-instant-loan-company-a-debt-collection-agency-a-law-firm-and-an-accountable-person-in-the-companies/</loc>
		<lastmod>2022-03-30T06:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/many-consumers-are-having-problems-with-the-electricity-company-fi-nergy-voima/</loc>
		<lastmod>2021-12-03T10:34:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/numerous-consumers-being-bothered-by-illegal-robocalls-consumer-ombudsman-demands-that-changes-be-made/</loc>
		<lastmod>2022-05-17T08:55:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-prevention-of-gambling-related-problems-is-insufficient-new-responsibility-tools-are-needed/</loc>
		<lastmod>2022-01-19T09:38:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/more-attention-on-cancellation-terms-of-online-auctions/</loc>
		<lastmod>2022-03-18T14:34:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/unexpected-charges-in-telephone-subscription-invoices-operators-also-responsible/</loc>
		<lastmod>2022-03-18T14:32:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-demands-that-the-penalty-payment-of-eur-100000-imposed-on-suomen-apteekkiyhtiot-be-paid/</loc>
		<lastmod>2021-12-20T17:29:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/class-actions-on-instant-credit-move-forward-over-1500-individuals-have-preliminarily-opted-in-or-requested-assistance/</loc>
		<lastmod>2022-01-20T13:19:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-and-the-city-of-kuopio-reach-mutual-understanding-on-the-corrective-measures-required-to-ensure-competitive-neutrality/</loc>
		<lastmod>2021-12-05T11:51:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-conditionally-approves-merger-of-caverion-and-maintpartner/</loc>
		<lastmod>2022-02-21T13:37:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-penalty-payments-to-driving-schools-for-a-price-cartel-and-a-price-recommendation/</loc>
		<lastmod>2021-12-11T14:32:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-the-market-court-to-prohibit-the-merger-between-kesko-and-heinon-tukku/</loc>
		<lastmod>2022-02-21T14:33:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-160000-euro-penalty-payment-to-hus-for-illegal-direct-awards/</loc>
		<lastmod>2021-12-09T08:24:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-rules-that-j-w-yhtiot-oy-must-pay-a-conditional-fine-of-eur-50000-for-defective-credit-marketing/</loc>
		<lastmod>2022-02-10T16:41:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-regulation-of-veikkaus-marketing-requires-reform/</loc>
		<lastmod>2022-02-08T10:37:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/jokerit-agreement-between-finnish-ice-hockey-league-and-league-teams-in-violation-of-competition-law/</loc>
		<lastmod>2022-05-13T10:36:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/going-to-a-car-price-evaluation-website-may-bring-an-unexpected-bill/</loc>
		<lastmod>2022-02-21T15:02:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/new-video-provides-information-on-fundamental-consumer-skills-to-immigrants-available-in-nine-languages/</loc>
		<lastmod>2022-02-21T15:18:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-time-limit-for-processing-the-proposed-merger-of-kesko-oyj-and-heinon-tukku-oy-has-been-extended-until-17th-november-2019/</loc>
		<lastmod>2022-02-21T14:19:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-study-supervision-of-veikkaus-in-need-of-reform/</loc>
		<lastmod>2021-12-20T15:02:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-consumer-ombudsman-intervenes-in-unreasonable-instant-credit-plan-costs-preliminary-opt-in-for-class-action-begins/</loc>
		<lastmod>2022-01-20T13:08:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-issued-an-admonition-to-the-joint-municipal-authority-of-the-lansi-pohja-hospital-district-for-non-compliance-with-the-public-contracts-act/</loc>
		<lastmod>2021-12-09T12:02:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-approved-the-acquisition-of-a-katsastus-group-by-mb-funds-subject-to-conditions/</loc>
		<lastmod>2022-02-21T15:27:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/alektum-and-annomen-have-taken-thousands-of-consumers-to-court-to-collect-their-debts-what-to-do-if-you-are-the-recipient-of-a-groundless-debt-collection-action/</loc>
		<lastmod>2022-02-10T16:08:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/how-to-offer-mobility-as-a-service-the-consumer-ombudsman-examined-the-terms-and-conditions-of-the-whim-app/</loc>
		<lastmod>2022-03-18T14:02:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/the-consumer-ombudsmans-newsletter/can-a-toaster-be-trusted-home-data-security-cannot-be-left-solely-to-the-consumer/</loc>
		<lastmod>2022-03-18T14:35:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/instant-loans-make-debt-problems-worse/</loc>
		<lastmod>2021-12-23T11:54:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/nordic-consumer-ombudsmen-exchange-knowledge-about-enforcement-activities/</loc>
		<lastmod>2022-03-18T16:33:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-time-limit-for-in-depth-investigation-into-keskos-proposed-acquisition-of-heinon-tukku-has-been-extended-to-31-october/</loc>
		<lastmod>2022-02-21T14:08:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/strong-customer-authentication-is-now-required-for-online-shopping/</loc>
		<lastmod>2025-03-10T07:32:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-applies-for-a-prohibition-against-migame-oys-fee-charging-customer-service-number/</loc>
		<lastmod>2021-11-23T14:36:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/dispute-on-finnairs-compensations-concluded-the-supreme-court-did-not-grant-the-consumer-ombudsman-leave-to-appeal/</loc>
		<lastmod>2022-03-22T15:25:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-finnish-commerce-federation-and-the-federation-of-finnish-enterprises-a-good-consumer-relationship-is-in-the-common-interest-of-companies-and-consumers/</loc>
		<lastmod>2025-08-05T12:41:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/deadline-for-in-depth-investigation-of-caverions-proposed-acquisition-of-maintpartner-extended-until-24-november-2019/</loc>
		<lastmod>2022-02-21T13:34:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-issued-an-administrative-steering-to-the-municipality-of-sonkajarvi-due-to-failing-to-comply-with-the-act-on-public-procurement-and-concession-contracts/</loc>
		<lastmod>2021-12-09T11:16:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/stricter-regulation-of-consumer-credits-consumers-should-request-more-affordable-offers-for-old-expensive-credits/</loc>
		<lastmod>2022-02-21T13:52:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-issues-an-administrative-steering-to-the-town-of-kaarina-due-to-failing-to-comply-with-the-public-procurement-act/</loc>
		<lastmod>2021-12-09T12:11:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/a-decision-in-the-bus-cartel-case-the-supreme-administrative-court-imposes-heavier-penalty-payments/</loc>
		<lastmod>2022-03-22T19:30:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-supreme-administrative-court-imposes-a-heavier-penalty-payment-on-the-finnish-bakery-federation-for-a-serious-competition-infringement/</loc>
		<lastmod>2023-02-16T12:52:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/report-on-shadow-economy-and-public-procurement-combating-corruption-requires-good-public-procurement-competence/</loc>
		<lastmod>2022-03-17T14:00:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/competitive-neutrality-supervision-to-be-enhanced-accounting-separation-obligation-to-enter-into-force-at-the-beginning-of-2020/</loc>
		<lastmod>2022-03-22T19:39:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-mb-funds-proposed-acquisition-of-a-katsastus-group/</loc>
		<lastmod>2022-02-21T15:23:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/sustainable-consumption-is-teamwork-consumers-must-be-able-to-trust-the-environmentally-oriented-claims-made-by-companies/</loc>
		<lastmod>2022-03-23T16:44:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-concludes-investigation-of-vr-group/</loc>
		<lastmod>2022-03-21T14:36:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-ruling-on-collection-costs-of-standing-subscriptions-a-prohibition-and-conditional-file-imposed-on-alektum-oy/</loc>
		<lastmod>2022-03-23T16:41:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-caverions-proposed-acquisition-of-maintpartne/</loc>
		<lastmod>2022-02-21T13:31:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-opens-in-depth-investigation-into-keskos-proposed-acquisition-of-heinon-tukku/</loc>
		<lastmod>2022-02-21T14:03:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/robots-cannot-make-telephone-sales-calls-without-consumers-consent/</loc>
		<lastmod>2021-12-20T17:05:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-means-of-controlling-competition-restrictions-to-be-reinforced-amendments-to-the-competition-act-to-enter-into-force-on-17-june-2019/</loc>
		<lastmod>2022-03-21T13:23:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/changes-to-merger-control-timelines/</loc>
		<lastmod>2022-02-08T10:45:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/monitoring-campaign-domestic-appliance-and-furniture-companies-are-taking-greater-care-in-marketing-of-consumer-credit/</loc>
		<lastmod>2022-03-18T16:39:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-reduces-valios-sales-obligation-for-raw-milk/</loc>
		<lastmod>2022-03-23T16:10:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/telephone-sales-of-electric-toothbrushes-result-in-unpleasant-surprises-for-consumers/</loc>
		<lastmod>2021-12-20T17:34:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-issued-an-admonition-to-the-municipality-of-vihti-for-failing-to-comply-with-the-act-on-public-procurement-and-concession-contracts/</loc>
		<lastmod>2021-12-11T14:54:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-intervened-in-the-case-of-food-supplements-telemarketing/</loc>
		<lastmod>2021-12-20T17:40:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-issued-an-admonition-to-the-northern-ostrobothnia-hospital-district-concerning-changes-made-to-the-procurement-agreement-on-it-devices/</loc>
		<lastmod>2021-12-09T12:22:44+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-02-01T10:31:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-bans-misleading-statements-about-discounted-prices/</loc>
		<lastmod>2022-03-23T15:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-finnish-consumer-ombudsman-is-petitioning-for-the-penalty-payment-of-50000-euros-imposed-on-the-instant-credit-company-j-w-yhtiot-oy/</loc>
		<lastmod>2022-02-10T16:32:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-develops-the-impact-assessment-of-competition-and-consumer-policy-a-new-unit-will-start-in-may-2019/</loc>
		<lastmod>2022-03-21T14:24:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-imposes-penalty-payment-on-town-of-pargas-for-direct-award-that-is-contrary-to-the-act-on-public-contracts/</loc>
		<lastmod>2022-03-23T15:46:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-begins-new-task-as-monitor-of-geo-blocking-regulation/</loc>
		<lastmod>2022-03-23T15:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/kouluturvaa-magazine-marketer-kt-kustannus-continues-to-mislead-consumers/</loc>
		<lastmod>2023-09-05T14:22:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-difficult-to-find-suitable-option-among-voluntary-medical-expense-insurance-policies/</loc>
		<lastmod>2022-02-01T14:09:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-suspects-several-taxi-dispatch-centres-of-illegal-restrictions-on-competition/</loc>
		<lastmod>2021-12-03T15:58:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-discovered-deficiencies-in-the-consumer-protection-of-platforms/</loc>
		<lastmod>2022-03-21T19:33:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-purchasing-tickets-from-viagogo-entails-risks/</loc>
		<lastmod>2022-03-21T19:24:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-imposed-penalty-payments-for-the-towns-of-loviisa-and-jamsa-for-direct-award-in-violation-of-the-finnish-act-on-public-contracts/</loc>
		<lastmod>2021-12-09T08:55:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-competition-and-consumer-protection-are-fundamental-to-data-economy/</loc>
		<lastmod>2022-03-21T19:20:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-finnish-competition-and-consumer-authority-terminates-investigation-into-the-op-financial-group-bonus-system/</loc>
		<lastmod>2023-06-08T12:31:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-approved-the-acquisition-of-tmb-by-parma-subject-to-conditions/</loc>
		<lastmod>2022-03-21T19:05:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/investigation-into-the-merger-between-danish-agro-machinery-and-konekesko-taken-up-by-the-european-commission/</loc>
		<lastmod>2022-03-21T18:45:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-protection-for-senior-citizens-in-residential-care-housing-should-be-harmonised/</loc>
		<lastmod>2022-02-01T14:14:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/issues-related-to-telephone-and-door-to-door-sales-prevalent-in-consumer-complaints-in-2018/</loc>
		<lastmod>2022-03-21T15:46:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-updated-its-instructions-for-the-taxi-industry/</loc>
		<lastmod>2021-12-03T15:35:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-approves-postis-acquisition-of-transval-subject-to-conditions/</loc>
		<lastmod>2022-03-21T15:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-applies-to-market-court-for-prohibition-of-illegal-debt-collection-by-the-collection-agency-alektum/</loc>
		<lastmod>2022-03-21T15:29:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-to-appeal-market-courts-finnair-ruling/</loc>
		<lastmod>2022-01-26T10:17:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-advisory-service-became-a-part-of-the-finnish-competition-and-consumer-authority/</loc>
		<lastmod>2023-09-04T13:13:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/instructions-for-consumers-regarding-the-top-toy-br-lelut-and-toysrus-bankruptcy/</loc>
		<lastmod>2022-01-28T07:09:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-prohibits-kruunukalustes-misleading-claims-about-discounted-prices/</loc>
		<lastmod>2021-12-29T13:36:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-kotipizza-by-orkla/</loc>
		<lastmod>2021-12-29T13:46:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-datacenter-finland-by-adelis-portfolio-holding/</loc>
		<lastmod>2021-12-29T13:59:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-a-defect-in-a-mobile-phone-may-lead-to-endless-rounds-of-repairs/</loc>
		<lastmod>2022-01-28T09:04:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fccas-decision-increases-the-freedom-of-music-authors-and-publishers-on-the-market/</loc>
		<lastmod>2021-12-30T06:36:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-attendo-by-terveystalo/</loc>
		<lastmod>2022-01-28T09:16:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-vaunula-by-vesijarven-auto/</loc>
		<lastmod>2022-01-28T09:29:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-competition-effects-of-acquisition-between-posti-and-transval/</loc>
		<lastmod>2022-01-28T09:33:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-cartel-penalty-payments-for-eps-insulation-producing-thermisol-and-uk-muovi/</loc>
		<lastmod>2022-08-11T11:59:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-consumers-lose-millions-of-euros-each-year-due-to-subscription-traps/</loc>
		<lastmod>2025-08-04T11:01:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/time-limit-for-examining-parmas-acquisition-of-as-tmb-has-been-extended-until-7-february-2019/</loc>
		<lastmod>2022-01-28T09:50:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/ask-about-the-taxi-fare-before-embarking-on-a-journey-and-request-a-receipt/</loc>
		<lastmod>2022-01-28T09:53:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/instructions-for-insolvent-travelbirds-customers/</loc>
		<lastmod>2022-01-28T10:00:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-acquisition-of-itakeskus-and-wereldhave-by-lakeside-aurora/</loc>
		<lastmod>2021-12-30T09:24:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-media-houses-need-to-rectify-the-issues-in-magazine-marketing/</loc>
		<lastmod>2021-12-20T18:05:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-porvoon-huoltomiehet-by-intera-partners/</loc>
		<lastmod>2022-01-28T10:01:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-folksam-by-fennia/</loc>
		<lastmod>2021-12-30T11:09:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-k-rauta-aimarautio-by-kesko/</loc>
		<lastmod>2021-12-30T11:34:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-opel-finland-by-lansiauto/</loc>
		<lastmod>2021-12-30T11:23:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/https-arkisto-kkv-fi-en-current-issues-press-releases-2018-40-benefits-of-consumer-protection/</loc>
		<lastmod>2022-01-28T11:26:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-acquisition-of-raisioagro-by-lantmannen/</loc>
		<lastmod>2021-12-30T11:41:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/bold-steps-required-to-change-pharmacy-regulation/</loc>
		<lastmod>2022-01-28T11:56:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-approved-the-transaction-between-terra-firma-aurora-modular-sun-hung-kai-co-and-parmaco/</loc>
		<lastmod>2021-12-30T13:27:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/katri-vaananen-takes-over-as-consumer-ombudsman/</loc>
		<lastmod>2022-01-28T12:21:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-approved-the-merger-between-avarn-security-and-prevent-360-subject-to-conditions/</loc>
		<lastmod>2022-11-13T11:13:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-admonishing-akaa-city-for-breach-of-act-on-public-contracts/</loc>
		<lastmod>2021-12-09T11:30:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-is-requesting-the-time-limit-for-examining-terveystalos-acquisition-of-attendo-to-be-extended-to-14-december-2018/</loc>
		<lastmod>2022-01-31T13:46:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-cannot-investigate-the-effects-of-the-onnibus-acquisition-on-consumer-prices-in-the-long-distance-coach-services-market/</loc>
		<lastmod>2022-01-03T06:57:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/time-limit-for-examining-terveystalos-acquisition-of-attendo-has-been-extended-to-14-december-2018/</loc>
		<lastmod>2022-01-31T13:42:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-competition-effects-of-acquisition-between-danish-agro-machinery-and-konekesko/</loc>
		<lastmod>2022-01-31T13:48:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-merger-between-osuuskunta-maitosuomi-and-osuuskunta-itamaito/</loc>
		<lastmod>2022-01-31T13:50:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-between-finnair-danish-air-transport-and-nordic-regional-airlines/</loc>
		<lastmod>2022-01-03T07:53:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-will-assess-the-functioning-of-the-taxi-market/</loc>
		<lastmod>2021-12-11T14:36:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/airbnb-commits-to-complying-with-european-commission-and-eu-consumer-authorities-demands/</loc>
		<lastmod>2022-01-31T13:57:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-imposition-of-sanctions-against-the-kainuu-social-welfare-and-health-care-services-for-illegal-direct-award/</loc>
		<lastmod>2022-01-03T08:29:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-at-your-own-risk-campaign-promotes-safer-online-shopping/</loc>
		<lastmod>2022-01-31T14:02:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-competition-effects-of-acquisition-between-parma-and-as-tmb/</loc>
		<lastmod>2022-01-03T08:57:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/kirsi-leivo-began-as-the-director-general-of-the-fcca/</loc>
		<lastmod>2022-01-03T09:13:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-the-acquisition-between-shiphold-oaktree-capital-group-and-osm-maritime-group/</loc>
		<lastmod>2022-01-03T09:21:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-consumers-and-companies-only-partially-familiar-with-basics-of-consumer-protection/</loc>
		<lastmod>2022-01-31T14:19:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-kombo-energia-joint-venture-formed-by-jyvaskylan-energia-kuopion-energia-lappeenrannan-energia-and-savon-voima/</loc>
		<lastmod>2022-01-03T09:28:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-duell-bike-center-by-sponsor-fund-iv/</loc>
		<lastmod>2022-01-31T14:20:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-between-gasum-enegia-consulting-enegia-portfolio-services-and-intstream/</loc>
		<lastmod>2022-01-03T10:39:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-legislative-reforms-needed-for-the-pricing-of-telephone-based-customer-services/</loc>
		<lastmod>2021-12-20T15:04:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-approves-acquisition-of-atobatc-holding-ab-and-atobatc-shipping-ab-by-esl-shipping-oy/</loc>
		<lastmod>2022-01-03T11:05:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-will-further-investigate-the-competition-effects-of-the-acquisition-between-agro-oy-and-raisioagro-oy/</loc>
		<lastmod>2022-01-03T11:56:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/elisa-changed-its-inaccurate-marketing-of-5g-subscriptions-at-the-consumer-ombudsmans-demand/</loc>
		<lastmod>2022-01-03T11:44:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-merger-of-quant-finland-oy-and-suffra-holding-oy/</loc>
		<lastmod>2022-01-03T12:53:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-investigates-how-terveystalos-acquisition-of-attendo-affects-competition/</loc>
		<lastmod>2022-01-03T14:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/negotiations-end-between-eu-consumer-authorities-and-volkswagen/</loc>
		<lastmod>2022-01-31T14:32:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/eus-consumer-protection-authorities-and-the-commission-airbnb-must-alter-its-price-indication-and-terms-of-contract/</loc>
		<lastmod>2022-01-31T14:37:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-has-approved-the-acquisition-of-med-group-hammaslaakarit-oy-by-colosseum-dental-group-subject-to-conditions/</loc>
		<lastmod>2022-01-03T14:39:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-competition-effects-of-avarn-securitys-acquisition-of-prevent-360/</loc>
		<lastmod>2022-11-13T11:15:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-the-acquisition-of-aditro-public-by-visma-finland-holding/</loc>
		<lastmod>2022-01-03T10:55:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/problems-with-your-taxi-ride-you-may-be-eligible-for-compensation/</loc>
		<lastmod>2022-01-31T14:46:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-the-acquisition-of-kalatukku-e-eriksson-by-kesko/</loc>
		<lastmod>2022-01-31T14:49:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-prohibits-xxls-misleading-advertising/</loc>
		<lastmod>2022-01-10T13:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-reprimands-riihimaki-and-vaasa-for-failing-to-invite-tenders-for-procurement-contracts/</loc>
		<lastmod>2022-01-31T15:01:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-intervenes-in-aggressive-door-to-door-selling/</loc>
		<lastmod>2022-03-07T09:06:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-and-smal-afta-negotiated-new-general-terms-and-conditions-for-package-tours/</loc>
		<lastmod>2022-03-07T08:58:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/13517/</loc>
		<lastmod>2022-01-10T14:04:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-issued-an-injunction-against-jysk-oy-due-to-misleading-advertising/</loc>
		<lastmod>2022-01-10T14:28:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-rantalainen-accounting-services-by-intera-partners-rantalainen-yhtiot-and-rantalainen-group/</loc>
		<lastmod>2022-01-10T14:42:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-and-optical-industry-work-together-to-curb-marketing-excesses/</loc>
		<lastmod>2022-03-07T10:51:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/customers-must-be-clearly-informed-of-prices-of-special-services-before-a-taxi-journey/</loc>
		<lastmod>2022-03-07T10:49:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/ficoras-report-more-than-400000-households-have-devices-not-capable-of-receiving-television-broadcasting-via-the-terrestrial-network-in-2020/</loc>
		<lastmod>2022-01-13T07:48:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/information-on-the-focal-points-of-competition-policy-enforcement-related-to-taxi-services/</loc>
		<lastmod>2021-12-03T15:28:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/do-you-know-how-the-use-of-taxis-is-changing-new-acts-will-enter-into-force-in-a-month/</loc>
		<lastmod>2022-03-07T10:59:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-delta-auto-by-veljekset-laakkonen/</loc>
		<lastmod>2022-01-13T08:09:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-solita-by-tower-bidco/</loc>
		<lastmod>2022-01-13T08:15:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/eu-consumer-protection-authorities-discovered-irregularities-in-telecom-companies-online-shops/</loc>
		<lastmod>2022-03-07T11:11:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fccas-yearbook-2017-good-market-performance-was-promoted-through-supervision-and-influence/</loc>
		<lastmod>2022-03-07T11:19:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-study-the-recognition-of-consumer-protection-among-consumers-and-businesses/</loc>
		<lastmod>2022-01-13T08:54:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/report-on-the-first-year-of-procurement-supervision-published/</loc>
		<lastmod>2022-03-23T16:20:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-the-transaction-between-the-blackstone-group-and-olo-asuntoportfolio/</loc>
		<lastmod>2022-01-13T09:18:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/13743/</loc>
		<lastmod>2022-01-13T09:37:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-will-look-further-into-the-competitive-effects-of-the-acquisition-of-med-group-hammaslaakarit-oy-by-colosseum-dental-group/</loc>
		<lastmod>2022-01-13T09:24:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-imposition-of-sanctions-against-the-town-of-pargas-for-illegal-direct-award/</loc>
		<lastmod>2022-01-13T09:42:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-tobermore-by-sanoma-media-finland/</loc>
		<lastmod>2022-01-13T11:17:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-sets-injunction-on-payday-loan-company-ipf-digital-finland/</loc>
		<lastmod>2022-03-07T11:37:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-draws-the-attention-of-the-finnish-environment-institute-to-compliance-with-the-act-on-public-contracts/</loc>
		<lastmod>2022-01-13T11:37:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/supervision-revealed-deficiencies-in-consumer-credit-advertising-by-household-appliance-and-furniture-stores/</loc>
		<lastmod>2022-03-10T09:02:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/decision-of-the-fcca-to-increase-competition-in-long-distance-coach-services/</loc>
		<lastmod>2025-03-07T07:29:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-continues-to-monitor-misleading-comparison-prices/</loc>
		<lastmod>2022-01-13T12:11:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-watch-out-for-online-scams-campaign-warns-consumers-of-online-scammers/</loc>
		<lastmod>2022-01-28T06:57:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-health-service-marketing-promotes-competition-and-customers-freedom-of-choice/</loc>
		<lastmod>2022-03-10T09:14:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-competition-effects-of-avarn-securitys-acquisition-of-prevent-360-2/</loc>
		<lastmod>2022-11-13T11:16:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-servaali-by-olvi/</loc>
		<lastmod>2022-01-13T12:55:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-the-competition-effects-of-acquisition-between-eurofins-scientific-group-vtt-expert-services-and-labtium/</loc>
		<lastmod>2022-01-13T13:03:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-calls-for-penalty-fines-for-the-towns-of-loviisa-and-jamsa-for-direct-award-in-violation-of-the-finnish-act-on-public-contracts/</loc>
		<lastmod>2021-12-09T08:16:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-involved-in-the-media-literacy-week-recognising-a-subscription-trap-is-an-important-skill-for-everyone/</loc>
		<lastmod>2022-03-10T09:38:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-reached-a-negotiated-solution-with-microsoft-on-windows-10/</loc>
		<lastmod>2022-01-13T13:17:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-myllyn-paras-mp-tehdaspalvelut-myllyn-paras-oy-pakasteet-and-mp-pakastetehdaspalvelut-by-sponsor-fund-iv/</loc>
		<lastmod>2022-01-13T13:23:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-finnish-competition-and-consumer-authority-issues-admonition-to-liperi-municipality-for-neglecting-the-act-on-public-contracts/</loc>
		<lastmod>2022-01-13T13:40:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-merger-between-yit-and-lemminkainen/</loc>
		<lastmod>2022-03-10T09:52:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/number-of-complaints-concerning-telesales-and-door-to-door-selling-increased-in-2017/</loc>
		<lastmod>2023-09-05T14:38:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-mercamer-and-telpak-by-optigroup/</loc>
		<lastmod>2022-01-13T14:03:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-attends-the-nordic-travel-fair-consumer-protection-for-travel-and-the-security-provision-system-for-travel-agents-will-change-in-the-summer-of-2018/</loc>
		<lastmod>2022-03-10T10:02:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-accept-acquisition-of-lemminkainen-oyj-by-yit-oyj/</loc>
		<lastmod>2022-01-13T14:16:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-sks-mekaniikka-sks-control-sks-sweden-sks-mechatronics-and-sks-tehnika-by-axel-johnson-inter-national/</loc>
		<lastmod>2022-01-13T14:22:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/new-alternatives-for-payment/</loc>
		<lastmod>2022-03-10T10:50:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-kotisun-by-capman/</loc>
		<lastmod>2022-01-13T14:36:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-issued-the-lansi-pohja-healthcare-district-an-admonition-on-neglecting-the-act-on-public-contracts/</loc>
		<lastmod>2021-12-09T11:36:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-inmics-by-telia/</loc>
		<lastmod>2022-01-13T14:42:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-pt-pohjanteko-and-pohjangeo-by-podeta/</loc>
		<lastmod>2022-01-13T14:47:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/antti-neimala-begins-as-new-consumer-ombudsman/</loc>
		<lastmod>2022-01-13T15:02:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-the-tampere-central-deck-and-arena-joint-venture-of-srv-localtapiola-and-op-financial-group/</loc>
		<lastmod>2022-04-12T06:55:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-consumers-and-hotels-benefit-from-hotel-booking-sites-responsibilities-unclear-in-problem-situations/</loc>
		<lastmod>2022-04-12T06:55:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-the-acquisition-between-sok-and-stockmann-delicatessen-subject-to-conditions/</loc>
		<lastmod>2022-04-12T06:55:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-imposed-penalty-payments-on-several-coach-companies-the-finnish-bus-and-coach-association-and-matkahuolto/</loc>
		<lastmod>2022-04-12T06:55:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/instructions-for-consumers-when-contacted-by-collection-agency-alektum-to-collect-westerfield-and-mmbgs-receivables/</loc>
		<lastmod>2022-03-21T15:27:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/deadline-for-the-consideration-of-yit-and-lemminkainen-acquisition-has-been-extended-to-26-january-2018/</loc>
		<lastmod>2022-04-12T06:55:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/supreme-administrative-court-refers-the-case-concerning-a-price-promise-made-by-xxl-to-the-market-court/</loc>
		<lastmod>2022-04-12T06:55:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-valios-application-for-an-amendment-to-the-terms-concerning-the-sales-obligation-of-raw-milk/</loc>
		<lastmod>2022-04-12T06:55:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-is-requesting-that-the-deadline-for-proceedings-in-the-yit-and-lemminkainen-acquisition-be-extended-to-26-january-2018/</loc>
		<lastmod>2022-04-12T06:55:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-demands-injunctions-on-four-companies-for-misleading-comparison-prices/</loc>
		<lastmod>2022-04-12T06:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-approves-scandics-acquisition-of-restel-with-conditions/</loc>
		<lastmod>2022-04-12T06:55:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-authorities-have-received-numerous-contacts-regarding-telesales-of-the-kouluturvaa-magazine/</loc>
		<lastmod>2021-12-20T17:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-processing-time-for-the-acquisition-between-scandic-and-restel-has-been-extended-until-5-december-2017/</loc>
		<lastmod>2022-04-12T06:55:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-norra-by-finnair/</loc>
		<lastmod>2022-04-12T06:55:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-concludes-investigation-into-the-ktk-transport-service-system/</loc>
		<lastmod>2022-04-12T06:55:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-has-issued-an-injunction-against-suomen-apteekki-due-to-misleading-telemarketing/</loc>
		<lastmod>2021-12-20T17:24:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-and-youtube-networks-prevent-covert-advertising/</loc>
		<lastmod>2022-04-12T06:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/competitive-neutrality-regulations-were-not-applied-to-the-operations-of-the-finnish-border-guards-helicopter-assisted-emergency-care/</loc>
		<lastmod>2022-04-12T06:55:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-concludes-the-investigation-of-yaras-commercial-practices/</loc>
		<lastmod>2022-04-12T06:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-has-published-a-brochure-on-the-inspection-of-business-premises-of-un-dertakings/</loc>
		<lastmod>2024-04-12T09:13:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-staffpoint-holding-by-sponsor-fund-iv/</loc>
		<lastmod>2022-04-12T06:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-concludes-investigation-into-vrs-connecting-transport-with-regard-to-the-request-for-action-by-easmar-logistics/</loc>
		<lastmod>2022-04-12T06:55:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-mi-hoiva-by-attendo/</loc>
		<lastmod>2022-04-12T06:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-issued-an-injunction-against-four-furniture-stores-due-to-misleading-advertising/</loc>
		<lastmod>2022-04-12T06:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-varamiespalvelu-by-sentica/</loc>
		<lastmod>2022-04-12T06:55:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-competition-effects-of-merger-of-yit-and-lemminkainen/</loc>
		<lastmod>2022-04-12T06:55:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-takes-finnair-to-market-court-for-breach-of-air-passengers-rights/</loc>
		<lastmod>2022-03-22T15:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-affecto-by-cgi/</loc>
		<lastmod>2022-04-12T06:55:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-competition-effects-of-acquisition-between-sok-and-stockmann-delicatessen/</loc>
		<lastmod>2022-04-12T06:55:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-tells-kunnan-taitoa-oy-to-abide-by-direct-award-requirements/</loc>
		<lastmod>2022-04-24T10:33:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finland-signs-cooperation-agreement-with-other-nordic-competition-authorities/</loc>
		<lastmod>2022-04-12T06:55:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-concludes-investigation-into-the-operations-of-digita-oy/</loc>
		<lastmod>2022-04-12T06:55:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-competition-effects-of-acquisition-between-scandic-and-restel/</loc>
		<lastmod>2022-04-12T06:55:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-initiate-further-proceedings-regarding-the-merger-of-attendo-and-mi-hoiva/</loc>
		<lastmod>2022-04-12T06:55:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/price-lists-given-on-driving-schools-websites-inadequate/</loc>
		<lastmod>2022-04-12T06:55:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-complaints-regarding-distance-selling-and-contracts-became-more-commonplace/</loc>
		<lastmod>2023-09-05T06:56:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-the-acquisition-of-avecra-by-vr/</loc>
		<lastmod>2022-04-12T06:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-konevuori-by-terrawise/</loc>
		<lastmod>2022-04-12T06:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-issued-an-injunction-against-seven-sports-shops-due-to-misleading-advertising/</loc>
		<lastmod>2022-04-28T09:53:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-the-joint-venture-of-kesko-and-oriola-in-the-health-beauty-and-wellbeing-segment/</loc>
		<lastmod>2022-04-12T06:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-decision-increases-competition-on-the-payment-market/</loc>
		<lastmod>2022-04-12T06:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-eepee-agri-by-hankkija/</loc>
		<lastmod>2022-04-12T06:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-review-platforms-pose-similar-competition-and-consumer-problems-as-traditional-operating-environments/</loc>
		<lastmod>2022-04-12T06:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-hafslund-by-fortum/</loc>
		<lastmod>2022-04-12T06:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-prohibits-illegal-price-increase-by-finkraft-oy-in-ongoing-electricity-contracts/</loc>
		<lastmod>2022-04-12T06:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-nebula-by-telia/</loc>
		<lastmod>2022-04-12T06:55:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fccas-year-2016-competition-and-consumer-issues-increasingly-involved-digitalisation/</loc>
		<lastmod>2022-04-12T06:55:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-k-maatalous-by-lantmannen/</loc>
		<lastmod>2022-04-12T06:55:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-concludes-investigation-in-the-harmonisation-of-the-time-based-measurement-of-electricity-transmission/</loc>
		<lastmod>2022-04-12T06:55:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/nordic-consumer-ombudsmen-highlight-the-importance-of-consumer-protection-in-digital-world/</loc>
		<lastmod>2022-04-12T06:55:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/supervisory-campaign-deficiencies-revealed-in-car-credit-advertising/</loc>
		<lastmod>2022-04-12T06:55:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-publish-guidelines-on-market-based-pricing/</loc>
		<lastmod>2022-04-12T06:55:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-deal-between-posti-and-solemo/</loc>
		<lastmod>2022-04-12T06:44:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-incar-invest-by-a-katsastus/</loc>
		<lastmod>2022-03-28T11:46:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-quattro-mikenti-group-by-adelis/</loc>
		<lastmod>2022-03-28T11:41:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsmans-new-guidelines-for-online-payments/</loc>
		<lastmod>2022-03-28T11:53:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-giving-its-first-decision-about-the-supervision-of-public-procurement/</loc>
		<lastmod>2022-03-28T11:59:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/conclusion-of-sale-of-60-stores-as-a-condition-of-the-merger-between-kesko-and-lahikauppa/</loc>
		<lastmod>2022-03-28T12:31:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-konekesko-by-yamaha/</loc>
		<lastmod>2022-03-28T12:14:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-issues-new-guidelines-to-developers-concerning-collateral-to-protect-home-buyers/</loc>
		<lastmod>2022-03-28T12:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/eu-consumer-authorities-found-misleading-marketing-on-travel-booking-websites/</loc>
		<lastmod>2022-03-28T12:46:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-the-consumers-union-of-finland-and-the-data-protection-ombudsman-demand-that-telesales-be-subject-to-licence/</loc>
		<lastmod>2022-03-21T15:43:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-santa-monica-networks-by-elisa/</loc>
		<lastmod>2022-03-28T12:58:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-lsg-sky-chefs-finland-by-finnair/</loc>
		<lastmod>2022-03-28T13:05:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-sito-by-wise-group-holding/</loc>
		<lastmod>2022-03-28T15:20:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-scams-against-smes-also-affect-the-functioning-of-competition/</loc>
		<lastmod>2022-03-28T13:21:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-diacor-by-terveystalo/</loc>
		<lastmod>2022-03-28T13:15:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-look-into-the-property-management-market/</loc>
		<lastmod>2022-03-28T13:34:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-took-payday-loan-provider-ipf-digital-finland-to-market-court/</loc>
		<lastmod>2022-03-28T13:28:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-auto-bon-oy-and-maan-auto-by-vehicle-trade-holding/</loc>
		<lastmod>2022-03-28T13:39:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/regional-state-administrative-agencies-to-place-driving-schools-service-price-lists-under-special-scrutiny-this-spring/</loc>
		<lastmod>2022-03-28T13:44:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-inefficient-regulation-preventing-sufficient-availability-of-housing/</loc>
		<lastmod>2022-03-28T13:53:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-deceptive-pricing-in-the-furniture-business/</loc>
		<lastmod>2022-03-28T14:06:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-lampopuisto-by-st1/</loc>
		<lastmod>2022-03-29T05:23:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-complaints-related-to-travel-and-vehicles-increased-last-year/</loc>
		<lastmod>2023-09-05T14:29:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-warns-of-a-misleading-car-price-assessment-website/</loc>
		<lastmod>2022-02-21T14:57:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/new-guidelines-from-the-consumer-ombudsman-on-offering-consumer-credit/</loc>
		<lastmod>2022-03-29T05:53:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-pkc-electronics-by-enics/</loc>
		<lastmod>2022-03-29T05:45:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/baltic-cruises-considered-package-tours-from-now-on/</loc>
		<lastmod>2022-03-29T05:59:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/digitalisation-transforms-the-teaching-of-consumer-and-data-protection-issues-in-schools/</loc>
		<lastmod>2022-03-29T06:09:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-enfo-zender-by-trust/</loc>
		<lastmod>2022-03-29T06:13:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-the-acquisition-of-medivida-by-esperi-care/</loc>
		<lastmod>2022-03-29T06:18:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/ca-to-initiate-further-proceedings-regarding-the-acquisition-between-yamaha-and-konekesko/</loc>
		<lastmod>2022-03-29T06:22:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/marketing-prohibition-on-indoor-group-for-continuous-marketing-of-discount-sale-of-furniture/</loc>
		<lastmod>2022-03-29T08:14:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/joint-municipal-authorities-actions-may-have-negative-effects-on-markets/</loc>
		<lastmod>2022-01-14T14:01:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/new-legal-provisions-improving-consumers-position-came-into-force-at-the-beginning-of-the-year/</loc>
		<lastmod>2022-03-29T08:30:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-tasked-with-supervision-of-legality-of-public-procurement/</loc>
		<lastmod>2022-03-09T13:24:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-iss-by-intera-partners/</loc>
		<lastmod>2022-03-11T13:01:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-supreme-administrative-court-imposes-a-penalty-payment-on-valio-for-milk-pricing/</loc>
		<lastmod>2022-03-09T13:34:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-updates-guidelines-on-immunity-from-and-reduction-of-fines-in-cartel-cases/</loc>
		<lastmod>2022-03-09T14:32:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-investigates-how-terveystalos-acquisition-of-diacor-affects-competition/</loc>
		<lastmod>2022-03-11T12:08:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-complaint-templates-service-helps-consumers-to-draw-up-complaints-to-companies/</loc>
		<lastmod>2023-09-04T13:27:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-forenom-by-capman/</loc>
		<lastmod>2022-03-11T12:27:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/helsinki-district-court-top10-is-responsible-for-refunding-the-price-of-trips-to-consumers/</loc>
		<lastmod>2022-03-09T13:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/international-anti-corruption-day-2016-corruption-frequently-remains-hidden/</loc>
		<lastmod>2022-03-11T12:45:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-receives-leave-to-appeal-the-xxl-decision-of-the-market-court/</loc>
		<lastmod>2022-03-11T12:51:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/eu-court-of-justice-forbids-dividing-price-into-components/</loc>
		<lastmod>2022-03-11T12:57:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-took-the-payday-loan-company-4finance-to-market-court/</loc>
		<lastmod>2022-03-11T13:06:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fccas-decision-narrows-banks-possibilities-to-increase-charges-and-fees-for-consumer-credit/</loc>
		<lastmod>2021-12-05T10:18:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-autocarrera-by-kesko/</loc>
		<lastmod>2022-03-11T13:16:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/children-cannot-always-distinguish-online-advertising-from-other-content/</loc>
		<lastmod>2022-03-11T13:29:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-between-powerflute-and-harvestia/</loc>
		<lastmod>2022-03-11T13:37:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-sisco-by-sentica-partners/</loc>
		<lastmod>2022-03-11T13:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/customers-without-access-to-e-services-to-be-taken-into-account-when-developing-customer-service/</loc>
		<lastmod>2022-03-14T13:36:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-ascertain-impacts-of-scams-directed-at-small-and-medium-sized-companies/</loc>
		<lastmod>2022-03-14T13:47:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-plant-topco-by-ratos/</loc>
		<lastmod>2022-03-14T13:50:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/kkv-approves-acquisition-of-turun-tietokeskus-by-vaaka-partners/</loc>
		<lastmod>2022-03-15T08:41:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-visma-by-hgcapital/</loc>
		<lastmod>2022-03-15T08:47:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/deficiencies-in-online-stores-selling-clothing-and-footwear/</loc>
		<lastmod>2022-03-15T10:57:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/nordic-consumer-ombudsmen-issue-a-statement-on-consumer-privacy/</loc>
		<lastmod>2022-03-15T13:05:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-concludes-investigation-into-sok-corporation-loyalty-scheme/</loc>
		<lastmod>2022-03-18T12:15:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-removes-tuko-related-conditions-from-kesko-food-and-suomen-lahikauppa-merger-decision/</loc>
		<lastmod>2022-03-18T12:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/stronger-consumer-rights-in-electricity-telesales/</loc>
		<lastmod>2022-03-18T16:53:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsmans-study-on-the-credit-market-the-interest-rate-ceiling-must-be-extended-without-delay-to-apply-to-all-consumer-credit/</loc>
		<lastmod>2022-03-18T12:29:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/kkv-approves-acquisition-of-lehtipiste-by-tradeka/</loc>
		<lastmod>2022-03-18T12:40:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/broadcasting-technology-upgrade-places-major-responsibility-on-electronics-retailers/</loc>
		<lastmod>2022-03-18T12:33:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-takes-finkraft-oy-to-market-court-for-increase-in-electricity-contract-prices/</loc>
		<lastmod>2022-03-18T12:49:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-kaivon-liha-by-atria/</loc>
		<lastmod>2022-03-18T12:55:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/from-finnish-consumers-perspective-telecommunications-market-still-limping/</loc>
		<lastmod>2022-03-18T13:01:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-otavas-acquisition-of-kirjavalitys-subject-to-certain-conditions/</loc>
		<lastmod>2022-03-18T13:13:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-supreme-court-rejected-the-consumer-ombudsmans-claim-for-paper-billing-free-of-charge/</loc>
		<lastmod>2022-03-18T13:17:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-vxi-lux-holdco-vxi-global-solutions-and-venus-acquisition-by-carlyle-group/</loc>
		<lastmod>2022-03-22T06:47:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/bankruptcy-of-anttila-information-on-consumer-rights/</loc>
		<lastmod>2022-03-22T07:00:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-sihti-osuma-by-adecco-finland/</loc>
		<lastmod>2022-03-22T06:56:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-wise-group-finland-by-intera-partners/</loc>
		<lastmod>2022-03-22T07:10:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/cancellation-of-a-package-tour-in-exceptional-circumstances/</loc>
		<lastmod>2022-03-22T07:05:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-ekokem-by-fortum/</loc>
		<lastmod>2022-03-22T07:13:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/increased-consumer-complaints-on-travel-and-electricity/</loc>
		<lastmod>2023-09-05T07:14:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-mainio-vire-by-mehilainen/</loc>
		<lastmod>2022-03-22T07:19:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-imposed-a-penalty-payment-of-eur-100000-on-masku-due-to-its-continuous-discount-sale-marketing/</loc>
		<lastmod>2022-03-22T07:30:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposed-as-supervisor-of-the-legality-of-public-procurements-from-2017/</loc>
		<lastmod>2022-03-22T07:34:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-terminates-investigation-of-the-finnish-association-of-funeral-services/</loc>
		<lastmod>2022-03-22T07:54:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-operators-carry-a-clear-responsibility-for-purchases-invoiced-via-subscription-bills/</loc>
		<lastmod>2022-03-22T08:03:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-terminates-proceedings-concerning-the-anvia-and-finda-corporate-transaction/</loc>
		<lastmod>2022-03-22T08:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-a-corporate-transaction-between-maintpartner-oy-and-fortum-power-and-heat-oy/</loc>
		<lastmod>2022-03-22T08:06:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-veine-by-posti/</loc>
		<lastmod>2022-03-22T08:15:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-the-acquisition-of-realia-holding-by-altor-fund/</loc>
		<lastmod>2022-03-22T08:09:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-completed-its-investigation-into-the-sharing-of-kesko-foods-and-soks-sales-data-on-the-daily-consumer-goods-trade/</loc>
		<lastmod>2022-03-22T11:26:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-competition-improves-the-quality-of-social-welfare-and-health-care-services/</loc>
		<lastmod>2022-03-22T11:36:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-esperi-care-group-by-icg/</loc>
		<lastmod>2022-03-22T11:32:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-joint-venture-yit-rakennus-oy-and-keskinainen-elakevakuutusyhtio-etera/</loc>
		<lastmod>2022-03-22T11:39:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-has-inspected-bus-and-coach-operators-in-southwest-finland/</loc>
		<lastmod>2022-03-22T11:42:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-initiate-further-proceedings-regarding-the-merger-of-otavamedia-and-kirjavalitys/</loc>
		<lastmod>2022-03-22T11:49:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-accepts-acquisition-of-arjessa-oy-by-humana-ab/</loc>
		<lastmod>2022-03-22T11:52:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/negotiated-solution-between-aurora-kaasunjakelu-oy-and-the-consumer-ombudsman-on-increase-in-gas-transmission-prices/</loc>
		<lastmod>2022-03-22T11:55:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-business-transaction-of-fortum-and-teollisuuden-voima-oyj/</loc>
		<lastmod>2022-03-22T11:59:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/delivery-companies-terminate-cooperation-in-distribution-of-unaddressed-admail-and-leaflets/</loc>
		<lastmod>2022-03-22T12:13:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-varmelux-by-inwido-finland/</loc>
		<lastmod>2022-03-22T12:02:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/nordic-consumer-ombudsmen-comment-on-covert-online-marketing/</loc>
		<lastmod>2022-03-22T12:17:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-room-for-competition-in-transport-sector-insurance/</loc>
		<lastmod>2022-03-22T12:26:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-the-business-transaction-between-boliden-and-kevitsa-mining/</loc>
		<lastmod>2022-03-22T12:32:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-a-business-transaction-between-holding-ab-vagnfixarna-and-autoklinikka-yhtiot/</loc>
		<lastmod>2022-03-22T12:35:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-between-kesko-and-onninen/</loc>
		<lastmod>2022-03-22T12:44:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-completes-investigation-of-finnish-energy/</loc>
		<lastmod>2022-03-22T12:47:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-approve-a-merger-between-kesko-food-and-suomen-lahikauppa-subject-to-conditions/</loc>
		<lastmod>2022-10-07T08:03:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-further-investigate-competition-effects-of-acquisition-between-finda-and-anvia/</loc>
		<lastmod>2022-03-22T12:57:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-between-op-life-assurance-company-ltd-and-suomi-mutual-life-insurance-company/</loc>
		<lastmod>2022-03-22T13:01:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-rejects-fccas-penalty-proposal-concerning-power-line-matter/</loc>
		<lastmod>2022-02-15T13:55:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-the-business-transaction-between-eqt-mid-market-and-touhula-varhaiskasvatus/</loc>
		<lastmod>2022-03-23T09:07:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/wisely-on-the-web-home-economics-teachers-as-consumer-educators/</loc>
		<lastmod>2022-03-23T09:10:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-merger-between-sector-alarm-and-g4s-security-service/</loc>
		<lastmod>2022-03-23T09:15:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-merger-between-suur-savon-sahko-kymenlaakson-sahko-and-lappeenrannan-energia/</loc>
		<lastmod>2022-03-23T11:06:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-tells-sports-shops-to-give-up-recommended-retail-prices-and-recommended-prices/</loc>
		<lastmod>2022-03-23T11:49:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-patients-need-comparable-information-about-their-freedom-of-choice/</loc>
		<lastmod>2022-03-28T15:23:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-imposes-fines-on-the-finnish-bakery-federation-for-forbidden-price-recommendations/</loc>
		<lastmod>2023-02-16T13:06:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-investigates-driving-school-market/</loc>
		<lastmod>2022-03-23T12:09:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/competition-authorities-waste-management-faces-development-challenges/</loc>
		<lastmod>2022-03-23T12:21:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/increase-in-gas-transmission-charge-investigated/</loc>
		<lastmod>2022-03-23T12:26:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/carunas-customers-have-option-of-challenging-reasonableness-of-electricity-transmission-charges/</loc>
		<lastmod>2022-03-23T12:34:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-nesco-invest-by-sentica-partners/</loc>
		<lastmod>2022-03-23T12:49:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/caruna-and-the-consumer-ombudsman-reach-a-negotiated-solution-caruna-will-phase-in-price-increases-over-a-longer-period-of-time/</loc>
		<lastmod>2022-03-23T12:45:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/new-teaching-materials-on-commercial-communications-phenomena/</loc>
		<lastmod>2022-03-23T13:03:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/supervisory-campaign-reveals-deficiencies-in-advertised-car-prices-and-car-credit/</loc>
		<lastmod>2022-03-23T13:06:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-prevention-of-consumer-scams-requires-co-operation-between-consumers-authorities-and-companies/</loc>
		<lastmod>2022-03-25T13:12:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-flooded-with-questions-on-the-price-rise-for-electricity-transmission/</loc>
		<lastmod>2022-03-25T13:20:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-to-engage-caruna-in-negotiations-concerning-increases-to-electricity-transmission-prices/</loc>
		<lastmod>2022-03-25T13:17:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-petitions-for-leave-to-appeal-the-xxl-decision-of-the-market-court/</loc>
		<lastmod>2022-03-28T09:56:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-eur-38-million-penalty-for-a-cartel-involving-7-coach-companies-the-finnish-bus-and-coach-association-and-matkahuolto/</loc>
		<lastmod>2022-03-28T10:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-initiate-further-proceedings-regarding-the-merger-of-kesko-food-and-suomen-lahikauppa/</loc>
		<lastmod>2022-03-28T10:06:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-applies-to-market-court-for-injunction-on-three-companies/</loc>
		<lastmod>2022-03-28T10:09:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/businesses-must-inform-consumers-of-dispute-resolution-body-on-their-websites-and-in-their-standard-terms-and-conditions-as-of-9-january-2016/</loc>
		<lastmod>2022-03-28T10:14:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-closes-investigation-of-digitas-pricing-of-television-and-radio-broadcasting-services/</loc>
		<lastmod>2022-02-03T14:04:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/shortcomings-in-municipal-compliance-with-incorporation-requirement/</loc>
		<lastmod>2022-01-14T13:53:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-there-are-lessons-to-be-learned-from-swedens-experiences-when-promoting-patient-freedom-of-choice/</loc>
		<lastmod>2022-02-07T12:47:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-halts-investigation-into-vr-groups-domestic-freight-transport/</loc>
		<lastmod>2022-02-07T14:06:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-the-acquisition-between-sagholmen-and-pmc-group/</loc>
		<lastmod>2022-02-07T14:17:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/innoros-oy-declared-bankrupt-instructions-to-consumers-on-how-to-seek-compensation/</loc>
		<lastmod>2022-02-07T14:28:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-prohibits-xxls-misleading-advertising-2/</loc>
		<lastmod>2022-03-30T07:07:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/safe-online-shopping-requires-vigilance-also-around-christmas-time/</loc>
		<lastmod>2022-02-21T13:57:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-accepts-the-business-transaction-by-finnair-staffpoint-and-kilco-concerning-nordic-regional-airlines/</loc>
		<lastmod>2022-03-13T18:45:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-bank-customers-divided-into-digital-and-traditional-service-users/</loc>
		<lastmod>2022-03-13T19:22:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-wins-another-important-subscription-trap-case/</loc>
		<lastmod>2022-03-15T19:53:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/from-club-payments-to-fines-reaching-millions-fcca-report-sheds-light-on-the-history-of-finnish-competition-policy/</loc>
		<lastmod>2022-03-16T19:45:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-seminar-2015-digitalisation-acts-as-a-source-of-growth-but-requires-wise-regulation/</loc>
		<lastmod>2022-03-16T19:58:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fccas-decision-ensures-consumers-benefit-from-network-partnership-between-dna-and-sonera/</loc>
		<lastmod>2022-08-10T10:57:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-talentum-by-alma-media/</loc>
		<lastmod>2022-03-20T19:27:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-certeum-oy-by-the-blackstone-group-l-p/</loc>
		<lastmod>2022-03-20T19:32:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-firmly-addressed-unfounded-collection-proceedings-related-to-subscription-traps/</loc>
		<lastmod>2022-03-20T19:37:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/instructions-for-consumers-regarding-debt-collection-by-westerfield-ag-mmbg-ag-and-gothia-oy/</loc>
		<lastmod>2023-09-04T15:11:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/notifications-of-mergers-and-acquisitions-to-be-submitted-to-the-finnish-competition-and-consumer-authority-electronically-as-of-the-beginning-of-november/</loc>
		<lastmod>2022-03-21T18:35:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-study-insurance-markets-in-road-haulage-sector/</loc>
		<lastmod>2022-03-21T19:54:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-closes-investigation-of-abuse-of-dominant-market-position-on-the-insulation-board-market/</loc>
		<lastmod>2022-03-21T19:59:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-consumer-ombudsman-to-look-into-volkswagen-emissions-scandal/</loc>
		<lastmod>2022-03-23T14:33:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-academic-bookstore-by-bonnier/</loc>
		<lastmod>2022-03-23T14:39:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-competition-and-consumer-authority-concludes-cooperation-negotiations/</loc>
		<lastmod>2022-03-30T07:13:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/remember-your-rights-when-flights-trains-and-bus-services-are-cancelled/</loc>
		<lastmod>2022-03-23T19:03:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-nordic-regional-airlines-ab-by-finnair-plc/</loc>
		<lastmod>2022-03-23T19:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/supervision-by-the-authorities-and-consumer-protection-do-not-cover-the-online-stores-of-far-off-countries/</loc>
		<lastmod>2022-03-24T18:42:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-court-of-justice-of-the-european-union-has-clarified-the-position-of-standard-essential-patent-holders-from-the-perspective-of-competition-law/</loc>
		<lastmod>2022-03-24T18:47:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/survey-on-the-obstacles-facing-digital-business-taken-by-almost-50-respondents/</loc>
		<lastmod>2022-03-24T18:54:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/car-rental-companies-improve-their-practices-in-the-eu-consumers-will-benefit/</loc>
		<lastmod>2022-03-24T19:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/kkv-approves-the-acquisition-of-halmesvaara-oy-by-bravida-finland-oy/</loc>
		<lastmod>2022-03-24T19:42:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-demands-that-masku-pay-the-eur-100000-conditional-fine-imposed-upon-it/</loc>
		<lastmod>2022-03-24T19:50:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-protection-in-communication-services-to-improve-on-1-july-2015/</loc>
		<lastmod>2022-03-24T19:58:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/kkv-approves-the-acquisition-of-flexim-security-oy-by-assa-abloy-oy/</loc>
		<lastmod>2022-03-25T08:10:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-a-penalty-to-the-finnish-bakery-federation-for-forbidden-price-recommendations/</loc>
		<lastmod>2022-03-25T08:20:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-nordic-consumer-ombudsmen-join-forces-against-subliminal-advertising/</loc>
		<lastmod>2022-03-27T15:03:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/are-you-going-on-a-well-being-or-yoga-trip/</loc>
		<lastmod>2022-03-27T15:09:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/travel-agencies-placed-under-special-supervision-collateral-for-securing-consumers-payments-must-be-sufficient/</loc>
		<lastmod>2022-03-27T15:18:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-competition-and-consumer-authority-to-begin-cooperation-negotiations/</loc>
		<lastmod>2022-03-27T15:21:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-market-court-forbids-220-energia-oy-from-unlawfully-changing-their-contract-terms/</loc>
		<lastmod>2022-03-28T15:25:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/deficiencies-in-prices-listed-on-the-websites-of-veterinary-clinics/</loc>
		<lastmod>2022-03-27T16:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-assessed-realisation-of-freedom-of-choice-in-the-present-health-care-system/</loc>
		<lastmod>2022-03-27T16:43:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/eu-consumer-authorities-enforcement-campaign-inadequate-information-given-about-warranty-and-liability-to-rectify-defects-in-electronic-products/</loc>
		<lastmod>2022-03-27T16:35:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-and-ficom-negotiate-general-contract-terms-for-telecom-companies/</loc>
		<lastmod>2022-03-27T16:52:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/district-court-helsinki-city-transport-must-pay-consumers-compensation-for-local-rail-traffic-delays/</loc>
		<lastmod>2021-12-13T12:21:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/up-to-date-information-about-consumer-rights-on-consumer-advisory-services-facebook-page/</loc>
		<lastmod>2022-03-27T18:00:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-project-to-harmonise-licensing-and-supervision-practices-receives-major-international-recognition/</loc>
		<lastmod>2022-03-27T18:11:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-accepts-acquisition-of-animagi-chain-of-veterinary-service-clinics/</loc>
		<lastmod>2022-03-28T12:33:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-gives-acceptance-to-corporate-acquisition-of-pane-invest-ab-and-vaasan-group/</loc>
		<lastmod>2022-03-28T12:43:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-policy-review-for-2015-describes-the-trends-in-consumer-issues-in-recent-years-and-in-the-future/</loc>
		<lastmod>2022-03-28T18:30:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-finnish-competition-and-consumer-authority-fcca-gives-conditional-acceptance-of-acquisition-of-anvia-by-elisa/</loc>
		<lastmod>2022-03-29T12:57:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-issues-new-guidelines-on-door-to-door-selling/</loc>
		<lastmod>2022-03-29T13:05:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/compensation-relating-to-the-bankruptcy-of-air-finland-has-been-paid-to-package-holiday-customers/</loc>
		<lastmod>2022-03-29T13:13:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/vigilance-required-on-comparison-shopping-website-reviews-do-not-necessary-reflect-whole-story/</loc>
		<lastmod>2022-03-29T13:25:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/a-ministry-of-justice-working-group-proposes-more-efficient-ways-for-the-consumer-ombudsman-to-intervene-in-companies-illegal-activities/</loc>
		<lastmod>2022-03-29T13:35:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/regional-state-administrative-agencies-will-check-prices-on-veterinary-clinic-websites/</loc>
		<lastmod>2022-03-29T13:40:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-took-xxl-to-finnish-market-court-for-misleading-marketing/</loc>
		<lastmod>2022-03-29T17:31:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-emphasises-only-air-finlands-package-tour-customers-eligible-for-compensation-at-the-moment/</loc>
		<lastmod>2022-03-29T17:38:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/new-information-on-the-air-finland-compensation-payment-schedule/</loc>
		<lastmod>2022-03-30T08:16:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-investigate-go-internationals-announcement-of-cancelled-holidays/</loc>
		<lastmod>2022-03-29T17:47:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-competition-and-consumer-authority-fcca-to-initiate-further-proceedings-regarding-the-merger-of-univet-and-animagi/</loc>
		<lastmod>2022-03-29T17:52:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-advisory-services-helped-almost-86000-consumers-last-year/</loc>
		<lastmod>2023-09-05T07:06:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fccas-mandate-for-carrying-out-inspections-revised-by-a-legislative-amendment/</loc>
		<lastmod>2022-03-30T05:05:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/compensation-payments-relating-to-the-liquidation-of-air-finland-due-to-begin/</loc>
		<lastmod>2022-03-30T05:56:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-application-to-lift-conditions-set-on-the-merger-of-tv4-and-c-more/</loc>
		<lastmod>2022-03-30T05:09:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-abolition-of-the-district-chimney-sweeping-system/</loc>
		<lastmod>2022-03-30T06:05:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-issues-new-guidelines-on-price-indications/</loc>
		<lastmod>2022-03-30T06:13:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/young-people-encourage-each-other-to-assume-an-active-role-as-a-consumer/</loc>
		<lastmod>2022-03-30T06:18:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-competition-and-consumer-authority-fcca-to-initiate-further-proceedings-regarding-the-merger-of-elisa-and-anvia/</loc>
		<lastmod>2022-03-30T06:23:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-report-location-has-a-greater-impact-on-the-choice-of-store-than-customer-loyalty-programmes/</loc>
		<lastmod>2022-03-30T06:34:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-finnish-competition-and-consumer-authority-has-approved-mehilainens-acquisition-of-mediverkko/</loc>
		<lastmod>2022-03-30T07:01:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/instructions-to-customers-of-xellim-ou/</loc>
		<lastmod>2022-02-22T11:56:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-protection-for-mobile-games-taking-a-step-forward/</loc>
		<lastmod>2022-02-22T12:08:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/12671/</loc>
		<lastmod>2022-02-28T11:22:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fccas-decision-increases-competition-in-the-agriculture-and-forestry-market/</loc>
		<lastmod>2022-06-21T07:43:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/supervision-campaign-the-majority-of-the-charges-for-companies-customer-service-numbers-violate-the-law/</loc>
		<lastmod>2022-02-28T11:35:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/supervision-campaign-the-majority-of-the-charges-for-companies-customer-service-numbers-violate-the-law-2/</loc>
		<lastmod>2021-12-29T08:56:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-intervenes-in-competition-compromising-practice-of-municipal-waste-management-company/</loc>
		<lastmod>2021-12-05T12:21:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-intervenes-in-competition-compromising-practice-of-municipal-waste-management-company-2/</loc>
		<lastmod>2021-12-29T09:08:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/financial-problems-act-before-its-too-late/</loc>
		<lastmod>2021-12-29T09:41:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/financial-problems-act-before-its-too-late-2/</loc>
		<lastmod>2022-01-12T07:43:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-obstacles-to-voluntary-work-are-largely-imaginary-but-there-is-room-for-improvement/</loc>
		<lastmod>2022-01-11T13:31:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/information-brings-more-safety-when-shopping-online/</loc>
		<lastmod>2022-01-24T08:00:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-will-provide-court-assistance-to-consumers-sued-by-pipa-business-oy/</loc>
		<lastmod>2022-02-15T12:41:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/new-eu-directive-to-facilitate-damages-claims-by-victims-of-antitrust-violations/</loc>
		<lastmod>2021-12-29T10:09:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-competition-and-consumer-authoritys-inspections-at-teliasonera-finland-oyj-dna-oy-and-suomen-yhteisverkko-oy/</loc>
		<lastmod>2022-01-26T08:39:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-given-leave-to-appeal-a-ruling-on-paper-billing-charges/</loc>
		<lastmod>2021-12-29T12:16:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-fcca-proposes-a-eur-35-million-fine-on-power-line-builder-eltel-for-participating-in-a-cartel/</loc>
		<lastmod>2021-12-29T10:37:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/shortcomings-in-indication-of-prices-by-barbers-and-hairdressers/</loc>
		<lastmod>2022-01-11T13:40:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-2014-fcca-seminar-focused-on-the-role-of-competition-and-consumer-policy-in-promoting-economic-growth/</loc>
		<lastmod>2021-12-29T11:10:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-finnish-competition-and-consumer-authority-approved-egg-business-acquisition-subject-to-conditions/</loc>
		<lastmod>2022-02-10T14:25:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/serious-shortcomings-in-sale-of-mobile-phone-subscriptions-to-consumers/</loc>
		<lastmod>2022-02-10T14:32:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-prohibits-dnas-tv-ad-of-pay-tv-channel-package/</loc>
		<lastmod>2022-01-12T12:08:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/xellim-ou-continues-to-market-slimming-and-beauty-care-products-misleadingly/</loc>
		<lastmod>2022-03-01T14:29:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-competition-and-consumer-authority-to-investigate-merger-in-the-egg-industry/</loc>
		<lastmod>2022-01-26T08:44:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-started-proceedings-against-220-energia-in-the-market-court/</loc>
		<lastmod>2022-01-13T10:54:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-virtual-airlines-are-compared-to-travel-agents-in-the-travel-agency-act/</loc>
		<lastmod>2021-12-30T09:11:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-acquisition-of-easy-km-by-ald-automotive/</loc>
		<lastmod>2022-01-25T08:57:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-competition-and-consumer-authority-numerous-problems-on-the-copyright-market/</loc>
		<lastmod>2021-12-30T08:59:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-satisfied-with-market-court-ruling-on-valio/</loc>
		<lastmod>2021-12-30T09:40:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/marketing-of-glucomannan-and-vihrea-kahvi-slimming-products-is-misleading/</loc>
		<lastmod>2022-01-26T08:49:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/be-astute-when-buying-online-changes-to-cancellation-and-return-of-purchases/</loc>
		<lastmod>2022-02-15T13:22:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/companies-must-provide-a-customer-service-number-with-a-basic-rate-for-their-customers/</loc>
		<lastmod>2021-12-30T10:47:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-and-ficom-negotiated-the-rules-of-the-game-for-changes-in-pay-channel/</loc>
		<lastmod>2022-01-13T11:17:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/report-on-the-criminalisation-of-cartels-was-presented-to-stakeholders/</loc>
		<lastmod>2021-12-30T08:55:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/marketing-consumer-credits-with-insufficient-information/</loc>
		<lastmod>2022-01-21T08:27:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-ordered-the-imposition-of-a-marketing-ban-on-suomen-terveysravinne-oy-over-deceptive-marketing-of-dietary-supplements/</loc>
		<lastmod>2022-02-07T13:30:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finlands-consumer-ombudsman-seeks-a-temporary-ban-for-express-consumer-credit-company-vipster-oy-from-market-court/</loc>
		<lastmod>2022-02-07T14:36:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approves-ramboll-and-poyry-corporate-deal/</loc>
		<lastmod>2022-01-25T09:06:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-consumer-ombudsman-negotiated-contract-terms-for-the-consumer-trade-of-flooring-and-wall-coating-materials/</loc>
		<lastmod>2022-01-12T09:38:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-lack-of-uniformity-in-licensing-and-supervision-practices-hurt-the-ability-of-companies-to-operate-on-the-market/</loc>
		<lastmod>2021-12-30T08:35:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcaa-more-competition-in-taxi-services-through-legislative-reform/</loc>
		<lastmod>2022-02-07T13:11:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/beware-of-mobile-and-internet-fraud/</loc>
		<lastmod>2022-02-15T13:16:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-consumer-ombudsman-applies-for-leave-to-appeal-market-court-ruling-on-inappropriate-promotional-game/</loc>
		<lastmod>2022-02-07T13:05:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-ruling-elisa-charges-unreasonable-fee-for-paper-bill/</loc>
		<lastmod>2022-01-20T09:42:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/regional-state-administrative-agencies-to-inspect-price-indication-by-barbers-and-hairdressers/</loc>
		<lastmod>2022-02-15T11:47:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-creditor-must-ensure-that-debtor-is-creditworthy/</loc>
		<lastmod>2021-12-30T11:05:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-updates-guidelines-for-good-debt-collection-practice/</loc>
		<lastmod>2022-01-12T08:52:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-warns-of-unjustified-invoices-sent-to-minors/</loc>
		<lastmod>2022-02-15T12:57:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/magazines-were-given-instructions-on-telling-apart-advertisements-and-editorial-content/</loc>
		<lastmod>2022-03-02T09:07:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-promotional-campaign-game-did-not-use-aggressive-methods-to-influence-consumers/</loc>
		<lastmod>2022-01-12T07:50:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/customers-reimbursed-for-an-administrative-fee-overcharged-by-skandia-life/</loc>
		<lastmod>2022-03-28T16:30:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/do-not-pay-if-you-receive-a-payment-demand-concerning-the-autonarvio-com-service/</loc>
		<lastmod>2022-02-07T13:56:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-imposes-ban-on-4finance-oys-illegal-marketing-of-consumer-credit/</loc>
		<lastmod>2022-01-12T14:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/support-for-managing-personal-finances-in-plain-language/</loc>
		<lastmod>2022-01-11T14:00:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/direct-debit-ending-watch-your-mail/</loc>
		<lastmod>2022-02-15T13:34:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/innumerable-contacts-made-with-the-finnish-competition-and-consumer-authority-over-firstdate-dating-services/</loc>
		<lastmod>2022-02-15T11:43:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/corporate-deal-by-atria-and-saarioinen-approved-by-finnish-competition-and-consumer-authority/</loc>
		<lastmod>2021-12-29T13:41:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/visitors-are-reminded-of-travellers-rights-at-the-nordic-travel-fair/</loc>
		<lastmod>2022-02-15T13:01:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/competition-act-provision-on-grocery-trade-became-effective-on-1st-of-january/</loc>
		<lastmod>2023-08-29T11:52:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/vigilance-is-advised-when-buying-a-television-set/</loc>
		<lastmod>2022-03-22T17:02:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/asphalt-cartel-trial-concluded-at-helsinki-district-court/</loc>
		<lastmod>2022-03-22T17:27:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-look-into-the-market-impact-of-the-merger-of-elixia-and-sats/</loc>
		<lastmod>2022-03-22T17:38:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-confidence-in-the-digital-environment-calls-for-transparency/</loc>
		<lastmod>2022-03-22T17:47:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-hidden-advertising-forbidden-in-blogs-as-well/</loc>
		<lastmod>2022-03-22T18:03:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-issues-theses-on-improving-the-position-of-consumers/</loc>
		<lastmod>2022-03-23T04:30:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/eu-consumer-authorities-enforcement-campaign-most-internet-pages-offering-digital-content-are-in-order/</loc>
		<lastmod>2022-03-23T04:42:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-took-dna-to-market-court-for-small-print-marketing-bans-for-elisa-santander-and-delta-motor/</loc>
		<lastmod>2022-03-23T04:48:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-warns-of-unclear-car-price-estimation-websites/</loc>
		<lastmod>2022-03-23T05:01:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fitness-centre-elixia-has-changed-its-contractual-terms-in-accordance-with-the-guidelines-issued-by-the-consumer-ombudsman/</loc>
		<lastmod>2022-03-23T05:11:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/international-comparison-assesses-finlands-competition-legislation-as-the-worlds-most-effective/</loc>
		<lastmod>2022-03-23T15:35:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/check-the-price-of-the-car-price-evaluation-service-before-ordering/</loc>
		<lastmod>2022-03-23T15:44:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/new-supervisory-task-for-finnish-competition-and-consumer-authority-goal-equitable-competitive-conditions-for-public-and-private-players/</loc>
		<lastmod>2022-03-23T16:02:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-consumer-ombudsman-calls-attention-to-the-rules-of-promotional-games/</loc>
		<lastmod>2022-03-23T16:23:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/european-commission-consumer-conditions-scoreboard-2013-published/</loc>
		<lastmod>2022-03-23T16:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/nordic-consumer-ombudsmen-changing-of-telephone-and-internet-connections-must-be-made-easier/</loc>
		<lastmod>2022-03-23T17:14:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-valio-must-comply-with-finnish-competition-and-consumer-authority-decision-in-spite-of-appeal-2/</loc>
		<lastmod>2022-03-23T17:32:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-valio-must-comply-with-finnish-competition-and-consumer-authority-decision-in-spite-of-appeal/</loc>
		<lastmod>2022-03-23T17:25:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fee-paying-services-more-easily-identifiable-in-telephone-bills/</loc>
		<lastmod>2022-03-25T05:16:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-monitors-the-use-of-advertorials-advertising-must-always-be-recognizable/</loc>
		<lastmod>2022-03-25T05:22:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-investigate-the-market-impact-of-deal-between-dna-and-plustv/</loc>
		<lastmod>2022-03-25T05:28:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-supreme-administrative-court-fines-industry-association-for-prohibited-price-recommendations/</loc>
		<lastmod>2022-03-25T14:00:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-recommends-a-swift-review-of-regulation-of-store-locations-in-order-to-improve-competition/</loc>
		<lastmod>2023-08-29T11:45:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-and-consumers-association-of-finland-agreements-made-over-the-phone-only-valid-after-separate-consent/</loc>
		<lastmod>2022-03-25T14:34:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/enforcement-campaign-reveals-shortcomings-in-marketing-of-consumer-credit/</loc>
		<lastmod>2022-03-25T14:39:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/competition-and-consumer-authority-welcomes-market-court-decision-in-uponor-kwh-matter/</loc>
		<lastmod>2023-02-16T13:46:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/consumer-ombudsman-takes-a-promotional-game-campaign-to-the-market-court/</loc>
		<lastmod>2022-03-25T14:52:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-prohibits-nokian-tyres-from-using-misleading-tyre-labelling/</loc>
		<lastmod>2022-03-25T14:56:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fact-and-advertising-need-to-be-kept-apart-in-teaching-at-school/</loc>
		<lastmod>2022-03-25T15:00:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-approved-deal-between-elisa-and-ppo-but-attached-conditions/</loc>
		<lastmod>2022-03-25T15:19:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/weight-loss-products-help-shed-money-not-kilos/</loc>
		<lastmod>2022-03-28T04:44:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/finnish-competition-and-consumer-authority-study-contract-practices-and-regulation-put-primary-producers-in-a-difficult-position-in-the-food-supply-chain/</loc>
		<lastmod>2023-08-29T11:18:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/marketing-ban-imposed-by-the-finnish-consumer-ombudsman-on-teliasonera-for-illegal-marketing/</loc>
		<lastmod>2022-03-28T05:53:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/management-appointments-for-finnish-competition-and-consumer-authority/</loc>
		<lastmod>2022-03-28T06:02:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/amended-debt-collection-act-improves-consumer-position/</loc>
		<lastmod>2022-03-28T06:12:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-barriers-to-entry-for-housing-production-in-the-helsinki-region-should-be-removed-as-quickly-as-possible/</loc>
		<lastmod>2021-12-20T14:36:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/nordic-competition-authorities-effective-competition-policy-is-a-central-prerequisite-for-growth/</loc>
		<lastmod>2022-03-28T04:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/market-court-imposed-an-anti-trust-fine-related-to-a-bidding-process-in-rovaniemi/</loc>
		<lastmod>2023-02-16T13:51:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-proposes-prohibition-of-merger-between-uponor-and-kwh/</loc>
		<lastmod>2023-02-16T13:43:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/fcca-to-investigate-the-market-impact-of-the-deal-between-elisa-and-ppo/</loc>
		<lastmod>2022-03-28T16:26:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/supreme-court-forbids-the-fastening-of-advertisements-on-front-doors-and-letterboxes/</loc>
		<lastmod>2022-03-29T06:59:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.kkv.fi/en/current/press-releases/the-finnish-competition-and-consumer-authority-commenced-operations/</loc>
		<lastmod>2021-11-22T10:45:11+00:00</lastmod>
	</url>
</urlset>
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