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
The PSD2 Payment Institution authorisation at Banco de España: the eight PSD2 services, the capital floors (€20K–€125K), the AIS registration lite regime,…
EMI licence in Spain — the Banco de España application file
The Article 11 EMD2 application file at Banco de España: programme of operations, governance map, safeguarding model, ICT/DORA framework, AML programme, and…
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…
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,…
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 FTF explained: Spain's centralised account-ownership register operated by SEPBLAC under Article 43 of Ley 10/2010. Who feeds it, what data flows…