Spain regulatory updates

Agreement of October 27, 2026, of the Council of the National Securities Market Commission, on the delegation of powers

Circular 1/2026, of October 21, of the Bank of Spain, concerning the Central Credit Register

Resolution of October 9, 2026, of the General Secretariat of the Treasury and International Financing, updating Annex 1 included in the Resolution of July 4, 2017, of the General Secretariat of the Treasury and Financial Policy, which defines the financial prudence principle applicable to borrowing and derivative operations of autonomous communities and local entities

Royal Decree 813/2026, of October 7, amending various royal decrees in the financial sector to adapt them to the current regulatory framework

Royal Decree-Law 28/2026, of October 6, adopting urgent measures to reinforce the stability of habitual-residence lease contracts

Royal Decree-Law 25/2026, of September 29, adopting and extending certain measures within the framework of the Comprehensive Response Plan for the Crisis in the Middle East

Royal Decree-Law 26/2026, of September 29, adopting urgent measures for the protection of the social function of housing and the expansion of the affordable housing supply

Agreement of June 25, 2026, of the Council of the National Securities Market Commission, on the delegation of powers

Resolution of May 28, 2026, of the Executive Commission of the Bank of Spain, amending the resolution of July 4, 2022, approving the uniform conditions of participation in TARGET-Bank of Spain

Circular 1/2025, of December 19, of the Bank of Spain, amending Circular 4/2017, of November 27, to credit institutions, on public and confidential financial reporting rules and financial statement models, and Circular 1/2013, of May 24, on the Risk Information Center

Circular 1/2024, of January 26, from the Bank of Spain, addressed to banks, credit cooperatives, and other supervised entities, relating to information on capital structure and amending Circular 1/2009, of December 18, addressed to credit institutions and other supervised entities, in relation to information on the capital structure and participating shares of credit institutions, and on their offices

Circular 3/2023, of October 31, of the Bank of Spain, amending Circular 2/2016, of February 2, to credit institutions, on supervision and solvency, which completes the adaptation of the Spanish legal system to Directive 2013/36/EU and Regulation (EU) No 575/2013, and Circular 1/2022, of January 24, to financial credit establishments, on liquidity, prudential rules and reporting obligations.

Circular 2/2023, of March 17, from the Bank of Spain, amending Circular 1/2013, of May 24, on the Risk Information Center

Circular 1/2023, of February 24, from the Bank of Spain, addressed to credit institutions, branches in Spain of credit institutions authorized in another member state of the European Union, and financial credit establishments, on the information to be submitted to the Bank of Spain regarding covered bonds and other loan mobilization instruments, and amending Circular 4/2017, of November 27, addressed to credit institutions, on public and confidential financial reporting rules and financial statement models, and Circular 4/2019, of November 26, addressed to financial credit establishments, on public and confidential reporting rules and financial statement models.

Circular 3/2022, of March 30, from the Bank of Spain, amending Circular 2/2016, of February 2, addressed to credit institutions, on supervision and solvency, completing the adaptation of the Spanish legal system to Directive 2013/36/EU and Regulation (EU) No 575/2013; Circular 2/2014, of January 31, addressed to credit institutions, on the exercise of various regulatory options contained in Regulation (EU) No 575/2013 of the European Parliament and of the Council of June 26, 2013, on prudential requirements for credit institutions and investment firms, and amending Regulation (EU) No 648/2012; and Circular 5/2012, of June 27, addressed to credit institutions and payment service providers, on transparency of banking services and responsibility in the granting of loans. (Official State Gazette of April 6, 2022)

Circular 2/2022, of 15 March, of the Bank of Spain, on rules for submitting payment statistics to the Bank of Spain by payment service providers and payment system operators

Circular 1/2022, of January 24, of the Bank of Spain, addressed to financial credit institutions, on liquidity, prudential rules and reporting obligations, and amending Circular 1/2009, of December 18, addressed to credit institutions and other supervised entities, in relation to information on the capital structure and participation shares of credit institutions, and on their offices, as well as on the senior managers of supervised entities, and Circular 3/2019, of October 22, exercising the power conferred by Regulation (EU) 575/2013 to define the materiality threshold for past-due credit obligations

Circular 6/2021, of December 22, from the Bank of Spain, amending Circular 4/2017, of November 27, to credit institutions, on public and confidential financial reporting standards and financial statement templates, and Circular 4/2019, of November 26, to financial credit institutions, on public and confidential financial reporting standards and financial statement templates.

Circular 5/2021, of December 22, of the Bank of Spain, amending Circular 2/2016, of February 2, addressed to credit institutions, on supervision and solvency, completing the adaptation of the Spanish legal system to Directive 2013/36/EU and Regulation (EU) No 575/2013

Circular 4/2021, of November 25, from the Bank of Spain, addressed to credit institutions and other supervised entities, concerning confidential reporting templates on market conduct, transparency, and customer protection, and on the complaints register