Rule of thumb: carriers actually deliver, once users are up and running on the service (not the first day after deployment), around 1/10 of whatever speed they mention in press releases.
Regulation in Finland defines what broadband speeds are acceptable. This includes mobile broadband. Acceptable speeds are a minimum of 50% of top speeds using a 4 hour average or a minimum of 40% of top speeds at any time.
And this regulation is enforced.
Acceptable speeds are a minimum of 50% of top speeds [...]