Spain
Articles tagged Spain — Banco de España, CNMV, SEPBLAC, AEAT and the practical reporting cycle for fintechs licensed or passporting into Spain.
What is CIRBE — the Spanish credit-risk register?
CIR / CIRBE explained: Banco de España's central credit-risk register under Ley 44/2002 and Circular 1/2013. What is reported, who feeds it,…
How to file a SAR in Spain
Filing a Suspicious-Activity Report in Spain: the legal basis, the bank channel versus the F19 web form for EMIs, PIs and CASPs,…
What is EDITRAN?
EDITRAN explained: the secure file-transfer rail used by BdE and SEPBLAC for high-volume reporting (DMO, FTF, CIRBE, DTE). Onboarding, hosted broker vs…
How to register your SEPBLAC representative
Registering an AML representative in Spain through Modelo F22: who can be the representative under Article 26 of Ley 10/2010, the documentation…
What is the DTE? Spain’s BdE Circular 1/2012
The DTE explained: Banco de España's balance-of-payments return under Circular 1/2012. Who files, what data is captured per cross-border operation, how it…
What is SEPBLAC?
SEPBLAC explained: Spain's combined FIU and AML supervisor under Ley 10/2010. Who reports, what gets reported (SAR, DMO, FTF), how it is…
What is the FTF? Spain account-ownership
The FTF explained: Spain's centralised account-ownership register operated by SEPBLAC under Article 43 of Ley 10/2010. Who feeds it, what data flows…
What is the DMO? SEPBLAC monthly reporting
The DMO explained: SEPBLAC's monthly systematic reporting under Article 20 of Ley 10/2010. Categories of operations, how it differs from a SAR,…