Consumer protection from Banco de Espana (circulars)

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 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

Circular 3/2021, of May 13, of the Bank of Spain, amending Circular 5/2012, of June 27, to credit institutions and payment service providers, on transparency of banking services and responsibility in the granting of loans, with regard to the definition of the reference interest rate based on the Euro short-term rate (€STR).

Circular 1/2021, of January 28, from the Bank of Spain, amending Circular 1/2013, of May 24, on the Risk Information Center, and Circular 5/2012, of June 27, addressed to credit institutions and payment service providers, on the transparency of banking services and responsibility in the granting of loans

Circular 4/2020, of June 26, from the Bank of Spain, on the advertising of banking products and services