Rules and guidance

This area includes the legal and administrative texts as well as general guidelines, adopted in Spain on the prudential regulation on Credit Institutions and Investment Firms. It is relevant to note that the adaptation to Directive 2013/36/EU and Regulation 575/2013/EU into the Spanish legal framework is a two stages process:

First, a Royal Decree-Law that adapted the Spanish regulation to those regulatory changes that were more urgent - Royal Decree-Law 14/2013 - and that was followed by a Banco de España Circular (Circular 2/2014, de 31 de enero, del Banco de España, a las entidades de crédito, sobre el ejercicio de diversas opciones regulatorias contenidas en el Reglamento (UE) nº 575/2013, del Parlamento Europeo y del Consejo, de 26 de junio de 2013, sobre los requisitos prudenciales de las entidades de crédito y las empresas de inversión, y por el que se modifica el Reglamento (UE) nº 648/2012).
Second, a new Law that recasts and adjusts all national legislation related to credit institutions: Ley 10/2014, de 26 de junio, de ordenación, supervisión y solvencia de las entidades de crédito that has been developed by Real Decreto 84/2015, and followed by Circular del Banco de España 2/2016, de 2 de febrero

This information is available for all EU countries in the EBA website.

Historical information based on Directives 2006/48/CE and 2006/49/CE:

Credit Institutions (BE)
Investment Firms (CNMV):
- Rules and Guidance (237 KB)
- Solvency Reporting (424 KB)