Banco de España
Articles tagged Banco de España — supervisory expectations, FINREP/COREP, CIRBE, DTE and the Spanish reporting cycle for fintechs and regulated firms.
Spanish conduct and complaints reporting to Banco de España (DCMR)
How customer complaints, BdE Claims Service interactions and conduct outcomes flow to Banco de España and CNMV. The structured-data discipline, the cadence,…
FINREP for Spanish PIs and EMIs — the reduced taxonomy
How non-bank PSPs file the reduced FINREP set at Banco de España: which tables, the XBRL discipline, where the mapping work concentrates…
Payment Institution licence in Spain — the BdE application file
Payment institution licence in Spain: the PSD2 authorisation at Banco de España — the eight services the BdE can license, the capital…
EMI licence in Spain — the Banco de España application file
EMI licence in Spain: the Article 11 EMD2 application file at Banco de España — programme of operations, governance map, safeguarding model,…
How to issue Spanish IBANs
Companion to the Dutch IBANs walkthrough. The Spanish IBAN format, the entity-code allocation by Banco de España, the BIC application, SEPA scheme…
CIRBE: what it is and how it works (Banco de España credit register)
CIRBE, Banco de Espana's central credit register, explained in depth: who reports under Circular 1/2013, the EUR 1,000 rule, what lenders actually…
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…
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 the FTF? Spain account-ownership
The Fichero de Titularidades Financieras (FTF) is Spain's central account-ownership register — who must file, what data goes in, how the monthly…