Spain
Articles tagged Spain — Banco de España, CNMV, SEPBLAC, AEAT and the practical reporting cycle for fintechs licensed or passporting into Spain.
The Spanish reporting calendar for a PI or EMI
Every recurring Spanish return a payment or e-money institution files — supervisor, cadence and channel — plus the three perimeter tests that…
Payment statistics in Spain — Circular 2/2022
Banco de España Circular 2/2022 on payment statistics: who reports, how PSD2 fraud data is deemed filed through it, and the trap…
ETE — Spain’s external transactions return, by threshold
The ETE under Banco de España Circular 4/2012: three reporting frequencies by threshold, the summary annual option, and why registered PSPs are…
Modelo 196 is monthly now — what changed in 2026
Modelo 196 is monthly from January 2026: who files, beneficial owners on every record, December-only balances, and the fields that get records…
SEPBLAC video-identification — remote onboarding in Spain
SEPBLAC video-identification and videoconference: the authorised routes for remote onboarding in Spain, the per-recording review and the one-month rule.
ANIFI — Spain’s new AML authority, and what it absorbs
ANIFI, Spain's proposed financial integrity authority: what it absorbs from SEPBLAC, the new proliferation-financing competence and the levy funding it.
Spain’s financial sandbox, reformed
Spain's sandbox reform: applications year-round except August and December, filings in English, a 30-working-day clock and new data-protection gates.
Spain’s AML law after MiCA — CASPs as obliged subjects
SEPBLAC's mandatory report in Spanish MiCA authorisations, CASPs as obliged subjects with the advice-only carve-out, and crypto correspondent rules.
DORA in Spain — sanctions and payment processors
DORA in Spain: how the digitalisation bill extends the Regulation to payment processors, the new infringement grades and the Banco de España's…
Payment system access in Spain for EMIs and PIs
Direct payment system access in Spain: the Article 8 bis pre-clearance with the Banco de España, its three-month clock and the documents…