New regulation of the Banking Risk Center and revolving credit advertising following judicial annulment
29 May 2026Effective: 29 May 2026177 views
Who is affected:
Credit institutions, banks, revolving card issuers and Banco de España
Summary
Rules on the Risk Information Center of the Banco de España and revolving card advertising, annulled due to procedural defect by the Supreme Court in 2025, are reintroduced.
Detailed analysis
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The Supreme Court annulled in May 2025 part of the Orden ETD/699/2020 for failure to repeat the public hearing procedure following substantial modifications. This new order reintroduces those same measures remedying the formal defect. The reporting threshold to the CIR of the Banco de España is lowered, improving the s…
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Orden ECM/531/2026, de 27 de mayo, por la que se modifica la Orden ECO/697/2004, de 11 de marzo, sobre la Central de Información de Riesgos, y la Orden EHA/1718/2010, de 11 de junio, de regulación y control de la publicidad de los servicios y productos bancarios.
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