# DORA Reporting in Estonia: Finantsinspektsioon Guide for Financial Entities

Source: https://www.cyadviso.com/dora-estonia-finantsinspektsioon
Last reviewed: 2026-05-01
Country: Estonia (EE)
Tags: DORA, Estonia

Finantsinspektsioon as the DORA competent authority in Estonia: scope, ICT incident reporting framing, Register of Information and a 2026 evidence checklist.

---

## Short answer

In Estonia, Finantsinspektsioon is the integrated financial supervisor and the competent authority for the financial entities within DORA scope. Crypto-asset services moved from the Financial Intelligence Unit (RAB) regime to MiCA / Finantsinspektsioon during the MiCA transition.

## Competent authorities

- **Finantsinspektsioon (Estonian Financial Supervision and Resolution Authority)** (Finantsinspektsioon) — https://www.fi.ee/en

## Entities in scope

- Credit institutions (banks)
- Payment institutions and electronic money institutions (PIs / EMIs)
- Investment firms
- Crypto-asset service providers (CASPs) authorised under MiCA
- Insurance and reinsurance undertakings, where supervised in this jurisdiction
- Other financial entities listed in DORA Article 2

## Jurisdictional nuances

- Estonia historically licensed virtual-asset service providers through the Financial Intelligence Unit; the MiCA transition shifts CASP supervision to Finantsinspektsioon.
- Finantsinspektsioon also acts as the national resolution authority — DORA recovery and continuity evidence is read in the context of resolution planning.
- Estonia's mature digital-government infrastructure means reporting and authentication often rely on national e-ID; confirm on the Finantsinspektsioon site which channel applies for a given filing.

## Primary sources

- Finantsinspektsioon — homepage — https://www.fi.ee/en
- Finantsinspektsioon — Supervised entities and reporting — https://www.fi.ee/en/finantsinspektsioon/about-finantsinspektsioon
- Regulation (EU) 2022/2554 — DORA, EUR-Lex — https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32022R2554
- European Banking Authority — Digital Operational Resilience Act (DORA) — https://www.eba.europa.eu/activities/direct-supervision-and-oversight/digital-operational-resilience-act

---

Canonical HTML: https://www.cyadviso.com/dora-estonia-finantsinspektsioon
Authored by Andrey Gubarev — CISO for EU fintechs (CISM, CDPSE, SABSA).
CyAdviso · DORA / ICT risk / vCISO programmes for EU-licensed fintechs.