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From: "Martti Merila" <martti.merila@eksl.ee>
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Tähelepanu! Tegemist on välisvõrgust saabunud kirjaga.
Tundmatu saatja korral palume linke ja faile mitte avada.

Tere!



Edastan EKsL-i seisukohad ja eelistused Tagatisfondi institutsionaalse ja
juhtimiskorralduse muutmise osas.



Martti Merila

õigusvaldkonna juht

+372 507 4563



Eesti Kindlustusseltside Liit

 <https://eksl.ee/> www.eksl.ee















From: delta@fin.ee <mailto:delta@fin.ee>  <delta@fin.ee
<mailto:delta@fin.ee> >
Sent: Tuesday, August 4, 2026 3:17 PM
To: Finantsinspektsioon <info@fi.ee <mailto:info@fi.ee> >; Eesti Pangaliit
MTÜ <pangaliit@pangaliit.ee <mailto:pangaliit@pangaliit.ee> >;
FinanceEstonia MTÜ <info@financeestonia.eu <mailto:info@financeestonia.eu>
>; Tagatisfond <tf@tf.ee <mailto:tf@tf.ee> >; EKsL <info@eksl.ee
<mailto:info@eksl.ee> >; Eesti Kaubandus-Tööstuskoda <koda@koda.ee
<mailto:koda@koda.ee> >; Aktsiaselts KAWE KAPITAL <info@kawekapital.ee
<mailto:info@kawekapital.ee> >; AS Redgate Capital
<redgate@redgategroup.eu <mailto:redgate@redgategroup.eu> >; Lightyear
Europe AS <compliance@lightyear.com <mailto:compliance@lightyear.com> >;
Plus500EE AS <info@plus500.co.ee <mailto:info@plus500.co.ee> >;
Venturebeam Markets AS <legal@venturebeam.com
<mailto:legal@venturebeam.com> >; Wise Assets Europe AS
<waeregulatory@wise.com <mailto:waeregulatory@wise.com> >; Aktsiaselts LHV
Varahaldus <info-vh@lhv.ee <mailto:info-vh@lhv.ee> >; AS Avaron Asset
Management <avaron@avaron.ee <mailto:avaron@avaron.ee> >; AS Birdeye
Capital <info@birdeyecapital.com <mailto:info@birdeyecapital.com> >; AS
Plural Estonia <compliance@pluralplatform.com
<mailto:compliance@pluralplatform.com> >; AS SEB Varahaldus
<varahaldus@seb.ee <mailto:varahaldus@seb.ee> >; AS Trigon Asset
Management <funds@trigoncapital.com <mailto:funds@trigoncapital.com> >;
Baltic Horizon Capital AS <edvinas.karbauskas@baltichorizon.com
<mailto:edvinas.karbauskas@baltichorizon.com> >; EfTEN Capital AS
<info@eften.ee <mailto:info@eften.ee> >; Limestone Platform AS
<info@limestone.eu <mailto:info@limestone.eu> >; Luminor Pensions Estonia
AS <PensionsEstonia@luminor.ee <mailto:PensionsEstonia@luminor.ee> >;
Swedbank Investeerimisfondid AS <funds@swedbank.ee
<mailto:funds@swedbank.ee> >; Tuleva Fondid AS <tuleva@tuleva.ee
<mailto:tuleva@tuleva.ee> >
Subject: Tagatisfondi institutsionaalse ja juhtimiskorralduse muutmise
väljatöötamiskavatsus




delta@fin.ee <mailto:delta@fin.ee>  ei saada teile sageli meilisõnumeid.
Lugege teavet selle kohta, miks see on oluline
<https://aka.ms/LearnAboutSenderIdentification>




Tere!


Teile on Rahandusministeeriumi poolt edastatud dokument.


Pealkiri: Tagatisfondi institutsionaalse ja juhtimise korralduse muutmise
väljatöötamiskavatsus

Registreerimise kuupäev: 04.08.2026

Registreerimise number: 13-1.1/3222-1.






Suur-Ameerika 1, Tallinn 10122
Tel. (372) 611 3558
e-mail: info@fin.ee <mailto:info@fin.ee>
 <http://www.rahandusministeerium.ee/> www.rahandusministeerium.ee






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</head>
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style=3D"word-wrap:break-word">
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" align=3D"left" width=3D"100%" =
style=3D"width:100.0%;mso-cellspacing:0cm;mso-yfti-tbllook:1184; =
mso-table-lspace:2.25pt;mso-table-rspace:2.25pt;mso-table-anchor-vertical=
:paragraph;mso-table-anchor-horizontal:column;mso-table-left:left;mso-pad=
ding-alt:0cm 0cm 0cm 0cm">
<tbody>
<tr =
style=3D"mso-yfti-irow:0;mso-yfti-firstrow:yes;mso-yfti-lastrow:yes">
<td style=3D"background:#910A19;padding:5.25pt 1.5pt 5.25pt 1.5pt"></td>
<td width=3D"100%" =
style=3D"width:100.0%;background:#FDF2F4;padding:5.25pt 3.75pt 5.25pt =
11.25pt; word-wrap:break-word" cellpadding=3D"7px 5px 7px 15px" =
color=3D"#212121">
<div>
<p class=3D"MsoNormal" =
style=3D"mso-element:frame;mso-element-frame-hspace:2.25pt; =
mso-element-wrap:around;mso-element-anchor-vertical:paragraph;mso-element=
-anchor-horizontal: column;mso-height-rule:exactly">
<span style=3D"font-size:9.0pt;font-family: &quot;Segoe =
UI&quot;,sans-serif;mso-fareast-font-family:&quot;Times New =
Roman&quot;;color:#212121"><strong>T=E4helepanu!
</strong>Tegemist on v=E4lisv=F5rgust saabunud kirjaga.<br>
Tundmatu saatja korral palume linke ja faile mitte =
avada.<o:p></o:p></span></p>
</div>
</td>
</tr>
</tbody>
</table>
<div>
<div class=3D"WordSection1">
<p class=3D"MsoNormal"><span =
style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
black;mso-fareast-language:EN-US">Tere!<o:p></o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
black;mso-fareast-language:EN-US"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
black;mso-fareast-language:EN-US">Edastan EKsL-i seisukohad ja =
eelistused Tagatisfondi institutsionaalse ja juhtimiskorralduse muutmise =
osas.<o:p></o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
black;mso-fareast-language:EN-US"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><b><span =
style=3D"font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
#3C1D73;mso-ligatures:standardcontextual">Martti =
Merila<o:p></o:p></span></b></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
#3C1D73;mso-ligatures:standardcontextual">=F5igusvaldkonna =
juht<o:p></o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
#3C1D73;mso-ligatures:standardcontextual">+372 507 =
4563<o:p></o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
#3C1D73;mso-ligatures:standardcontextual"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><b><span =
style=3D"font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
#3C1D73;mso-ligatures:standardcontextual">Eesti Kindlustusseltside =
Liit<o:p></o:p></span></b></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
#3C1D73;mso-ligatures:standardcontextual"><a =
href=3D"https://eksl.ee/"><span =
style=3D"color:#3C1D73">www.eksl.ee</span></a><o:p></o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
#3C1D73;mso-ligatures:standardcontextual"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
#3C1D73;mso-ligatures:standardcontextual"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:10.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
#3C1D73"><img border=3D"0" width=3D"189" height=3D"57" =
style=3D"width:1.9687in;height:.5937in" id=3D"Pilt_x0020_1376325663" =
src=3D"cid:image002.png@01DD50E8.33B704D0"><span =
style=3D"mso-ligatures:standardcontextual"><o:p></o:p></span></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
black"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
black;mso-fareast-language:EN-US"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
black;mso-fareast-language:EN-US"><o:p>&nbsp;</o:p></span></p>
<p class=3D"MsoNormal"><span =
style=3D"font-size:11.0pt;font-family:&quot;Arial&quot;,sans-serif;color:=
black;mso-fareast-language:EN-US"><o:p>&nbsp;</o:p></span></p>
<div style=3D"border:none;border-top:solid #E1E1E1 1.0pt;padding:3.0pt =
0cm 0cm 0cm">
<p class=3D"MsoNormal"><b><span =
style=3D"font-size:11.0pt;font-family:&quot;Calibri&quot;,sans-serif">Fro=
m:</span></b><span =
style=3D"font-size:11.0pt;font-family:&quot;Calibri&quot;,sans-serif">
<a href=3D"mailto:delta@fin.ee">delta@fin.ee</a> &lt;<a =
href=3D"mailto:delta@fin.ee">delta@fin.ee</a>&gt;
<br>
<b>Sent:</b> Tuesday, August 4, 2026 3:17 PM<br>
<b>To:</b> Finantsinspektsioon &lt;<a =
href=3D"mailto:info@fi.ee">info@fi.ee</a>&gt;; Eesti Pangaliit MT=DC =
&lt;<a =
href=3D"mailto:pangaliit@pangaliit.ee">pangaliit@pangaliit.ee</a>&gt;; =
FinanceEstonia MT=DC &lt;<a =
href=3D"mailto:info@financeestonia.eu">info@financeestonia.eu</a>&gt;; =
Tagatisfond
 &lt;<a href=3D"mailto:tf@tf.ee">tf@tf.ee</a>&gt;; EKsL &lt;<a =
href=3D"mailto:info@eksl.ee">info@eksl.ee</a>&gt;; Eesti =
Kaubandus-T=F6=F6stuskoda &lt;<a =
href=3D"mailto:koda@koda.ee">koda@koda.ee</a>&gt;; Aktsiaselts KAWE =
KAPITAL &lt;<a =
href=3D"mailto:info@kawekapital.ee">info@kawekapital.ee</a>&gt;;
 AS Redgate Capital &lt;<a =
href=3D"mailto:redgate@redgategroup.eu">redgate@redgategroup.eu</a>&gt;; =
Lightyear Europe AS &lt;<a =
href=3D"mailto:compliance@lightyear.com">compliance@lightyear.com</a>&gt;=
; Plus500EE AS &lt;<a =
href=3D"mailto:info@plus500.co.ee">info@plus500.co.ee</a>&gt;;
 Venturebeam Markets AS &lt;<a =
href=3D"mailto:legal@venturebeam.com">legal@venturebeam.com</a>&gt;; =
Wise Assets Europe AS &lt;<a =
href=3D"mailto:waeregulatory@wise.com">waeregulatory@wise.com</a>&gt;; =
Aktsiaselts LHV Varahaldus &lt;<a =
href=3D"mailto:info-vh@lhv.ee">info-vh@lhv.ee</a>&gt;;
 AS Avaron Asset Management &lt;<a =
href=3D"mailto:avaron@avaron.ee">avaron@avaron.ee</a>&gt;; AS Birdeye =
Capital &lt;<a =
href=3D"mailto:info@birdeyecapital.com">info@birdeyecapital.com</a>&gt;; =
AS Plural Estonia &lt;<a =
href=3D"mailto:compliance@pluralplatform.com">compliance@pluralplatform.c=
om</a>&gt;;
 AS SEB Varahaldus &lt;<a =
href=3D"mailto:varahaldus@seb.ee">varahaldus@seb.ee</a>&gt;; AS Trigon =
Asset Management &lt;<a =
href=3D"mailto:funds@trigoncapital.com">funds@trigoncapital.com</a>&gt;; =
Baltic Horizon Capital AS &lt;<a =
href=3D"mailto:edvinas.karbauskas@baltichorizon.com">edvinas.karbauskas@b=
altichorizon.com</a>&gt;;
 EfTEN Capital AS &lt;<a =
href=3D"mailto:info@eften.ee">info@eften.ee</a>&gt;; Limestone Platform =
AS &lt;<a href=3D"mailto:info@limestone.eu">info@limestone.eu</a>&gt;; =
Luminor Pensions Estonia AS &lt;<a =
href=3D"mailto:PensionsEstonia@luminor.ee">PensionsEstonia@luminor.ee</a>=
&gt;;
 Swedbank Investeerimisfondid AS &lt;<a =
href=3D"mailto:funds@swedbank.ee">funds@swedbank.ee</a>&gt;; Tuleva =
Fondid AS &lt;<a =
href=3D"mailto:tuleva@tuleva.ee">tuleva@tuleva.ee</a>&gt;<br>
<b>Subject:</b> Tagatisfondi institutsionaalse ja juhtimiskorralduse =
muutmise v=E4ljat=F6=F6tamiskavatsus
<o:p></o:p></span></p>
</div>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"0" =
cellpadding=3D"0" align=3D"left" width=3D"100%" style=3D"width:100.0%">
<tbody>
<tr>
<td width=3D"0" style=3D"width:.3pt;background:#A6A6A6;padding:5.25pt =
1.5pt 5.25pt 1.5pt">
</td>
<td width=3D"100%" =
style=3D"width:100.0%;background:#EAEAEA;padding:5.25pt 3.75pt 5.25pt =
11.25pt;aspect-ratio: revert !important;background:revert =
!important;block-size: revert !important;border:revert =
!important;bottom: revert !important;color:revert =
!important;color-scheme: revert !important;content-visibility: revert =
!important;cursor:revert !important;direction:revert =
!important;display:revert !important;font-size:revert =
!important;height:revert !important;hyphens: revert =
!important;letter-spacing:revert !important;line-height:revert =
!important;margin:revert !important;opacity: revert !important;order: =
revert !important;outline: revert !important;overflow:revert =
!important;padding:revert !important;position:revert !important;resize: =
revert !important;rotate: revert !important;scale: revert =
!important;tab-size: revert !important;table-layout:revert =
!important;text-align:revert !important;text-indent:revert =
!important;text-orientation: revert !important;text-overflow: revert =
!important;text-shadow:revert !important;text-transform:revert =
!important;text-wrap: revert !important;top:revert =
!important;transition: revert !important;user-select: revert =
!important;vertical-align:revert !important;visibility:revert =
!important;white-space:revert !important;width:revert =
!important;word-break:revert !important;word-spacing:revert =
!important;writing-mode:revert !important;zoom: revert !important">
<p class=3D"MsoNormal" =
style=3D"mso-element:frame;mso-element-frame-hspace:2.25pt;mso-element-wr=
ap:around;mso-element-anchor-vertical:paragraph;mso-element-anchor-horizo=
ntal:column;mso-height-rule:exactly">
<span =
style=3D"font-size:9.0pt;font-family:Wf_segoe-ui_normal;color:#212121"><a=
 href=3D"mailto:delta@fin.ee">delta@fin.ee</a> ei saada teile sageli =
meilis=F5numeid.
<a href=3D"https://aka.ms/LearnAboutSenderIdentification">Lugege teavet =
selle kohta, miks see on oluline</a>
<o:p></o:p></span></p>
</td>
<td width=3D"75" =
style=3D"width:56.25pt;background:#EAEAEA;padding:5.25pt 3.75pt 5.25pt =
3.75pt;aspect-ratio: revert !important;background:revert =
!important;block-size: revert !important;border:revert =
!important;bottom: revert !important;color:revert =
!important;color-scheme: revert !important;content-visibility: revert =
!important;cursor:revert !important;direction:revert =
!important;display:revert !important;font-size:revert =
!important;height:revert !important;hyphens: revert =
!important;letter-spacing:revert !important;line-height:revert =
!important;margin:revert !important;opacity: revert !important;order: =
revert !important;outline: revert !important;overflow:revert =
!important;padding:revert !important;position:revert !important;resize: =
revert !important;rotate: revert !important;scale: revert =
!important;tab-size: revert !important;table-layout:revert =
!important;text-align:revert !important;text-indent:revert =
!important;text-orientation: revert !important;text-overflow: revert =
!important;text-shadow:revert !important;text-transform:revert =
!important;text-wrap: revert !important;top:revert =
!important;transition: revert !important;user-select: revert =
!important;vertical-align:revert !important;visibility:revert =
!important;white-space:revert !important;width:revert =
!important;word-break:revert !important;word-spacing:revert =
!important;writing-mode:revert !important;zoom: revert !important;align: =
left !important">
</td>
</tr>
</tbody>
</table>
<div align=3D"center">
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"3" =
cellpadding=3D"0" width=3D"600" style=3D"width:450.0pt">
<tbody>
<tr>
<td style=3D"padding:.75pt .75pt .75pt .75pt">
<table class=3D"MsoNormalTable" border=3D"1" cellspacing=3D"3" =
cellpadding=3D"0" width=3D"600" =
style=3D"width:450.0pt;border:none;border-bottom:dashed #D4D4D4 1.0pt">
<tbody>
<tr>
<td width=3D"600" style=3D"width:450.0pt;border:none;padding:.75pt .75pt =
.75pt .75pt">
<p style=3D"margin-bottom:12.0pt"><span =
style=3D"font-size:10.5pt;font-family:&quot;Calibri&quot;,sans-serif;colo=
r:black">Tere!
<br>
<br>
<br>
Teile on Rahandusministeeriumi poolt edastatud dokument. <br>
<br>
<br>
Pealkiri: <span class=3D"bold"><b>Tagatisfondi institutsionaalse ja =
juhtimise korralduse muutmise v=E4ljat=F6=F6tamiskavatsus
</b></span><br>
<br>
Registreerimise kuup=E4ev: <span class=3D"bold"><b>04.08.2026</b></span> =
<br>
<br>
Registreerimise number: <span =
class=3D"bold"><b>13-1.1/3222-1</b></span>. <o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"MsoNormal"><span =
style=3D"display:none"><o:p>&nbsp;</o:p></span></p>
<table class=3D"MsoNormalTable" border=3D"0" cellspacing=3D"3" =
cellpadding=3D"0">
<tbody>
<tr>
<td width=3D"600" style=3D"width:450.0pt;padding:.75pt .75pt .75pt =
.75pt">
<p class=3D"MsoNormal"><span =
style=3D"font-size:10.5pt;font-family:&quot;Calibri&quot;,sans-serif;colo=
r:black;border:solid windowtext 1.0pt;padding:0cm"><img border=3D"0" =
width=3D"100" height=3D"100" style=3D"width:1.0416in;height:1.0416in" =
id=3D"Pilt_x0020_1" src=3D"cid:image001.jpg@01DD2430.57487760" =
alt=3D"Saatja on pildi eemaldanud. Rahandusministeerium"></span><span =
style=3D"font-size:10.5pt;font-family:&quot;Calibri&quot;,sans-serif;colo=
r:black"><o:p></o:p></span></p>
<p><span =
style=3D"font-size:10.5pt;font-family:&quot;Calibri&quot;,sans-serif;colo=
r:black">Suur-Ameerika 1, Tallinn 10122<br>
Tel. (372) 611 3558<br>
e-mail: <a href=3D"mailto:info@fin.ee">info@fin.ee</a><br>
<a name=3D"Rahandusministeerium"></a><a =
href=3D"http://www.rahandusministeerium.ee/"><span =
style=3D"mso-bookmark:Rahandusministeerium"><b><span =
style=3D"font-size:11.5pt;text-decoration:none">www.rahandusministeerium.=
ee
</span></b></span></a><o:p></o:p></span></p>
</td>
<td style=3D"padding:.75pt .75pt .75pt .75pt">
<p class=3D"MsoNormal"><span =
style=3D"font-size:8.5pt;font-family:&quot;Calibri&quot;,sans-serif">&nbs=
p;<o:p></o:p></span></p>
</td>
</tr>
</tbody>
</table>
<p class=3D"MsoNormal"><o:p></o:p></p>
</td>
</tr>
</tbody>
</table>
</div>
<p class=3D"MsoNormal"><o:p>&nbsp;</o:p></p>
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