Banking Supervision

Basic regulation

This section covers the basic regulation that supervised institutions are subject to, such as credit institutions' accounting standards and prudential regulations or the requirements to be able to provide banking services in Spain. In particular, it provides information on current regulations, guidelines, general notifications and relevant data issued by Banco de España.

Differentiation is made between the regulations applicable to credit institutions and the specific regulations that moderate a diverse set of supervised institutions whose business consists of: granting credit and loans, financial leasing or factoring, among other activities (specialised lending institutions), issuing bank endorsements or guarantees (mutual guarantee companies), carrying out valuations in order to provide assurance to the mortgage (market valuation institutions), providing payment (services payment institutions), issuing electronic money electronic (money institutions) and facilitating the exchange of foreign (currency exchange establishments).

Lastly, the following subsections do not include certain legal provisions which likewise govern the activities of credit institutions, such as those concerning the prevention of money laundering or the regulation of securities markets. These regulations can be consulted through the links provided to the Directorate General of the Treasury and Financial Policy, the Executive Service of the Commission for the Prevention of Money Laundering and Monetary Offences (SEPBLAC), the National Securities Market Commission (CNMV) or the Directorate General of Insurance and Pension Funds.