Spain. The Consumer Finance Law Review

Spanish law grants consumers a very high level of statutory protection. In fact, according to Article 51 of the Spanish Constitution, the provision of consumer protection by the public authorities is one of the guiding principles of social and economic policies. In relation to consumer finance, this has been reinforced by specific legislation and consumer-friendly case law.

Broadly speaking, the Spanish consumer finance legal framework is rather fragmented, combining (1) European, national and regional rules, (2) regulations and guidance issued by sectoral supervisory bodies, and (3) case law of the European Court of Justice (ECJ) and the Spanish Supreme Court (TS).

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