Banking and Financial Law
Our Specialties in Banking and Financial Law
Banking Contracts
Current and savings account agreements, Deposit agreements, Credit and debit card agreements, Loan and credit facilities (personal, mortgage, consumer, secured by pledge), Financial leasing agreements, Factoring and confirming agreements, Insurance contracts linked to banking products
Financial and Investment Products
Investment funds, SICAVs, and pension plans, Listed securities and shares, Bonds, obligations, and corporate debt, Structured products and financial derivatives, Preferred shares, Options, futures, and swaps, Claims for negligent investment advice
Abusive Clauses and Banking Transparency
Mortgage floor clauses, Unfair banking fees and charges, Disproportionate default interest, Acceleration clauses, Misleading financial products advertising, Non-compliance with transparency obligations (Law 16/2011 on banking contracts)
Banking Liability
Liability for damages caused by financial products, Professional negligence liability, Breach of information disclosure and advisory duties, Liability for banking fraud and scams
Out-of-Court Claims and Financial Ombudsman
Filing complaints with the bank’s internal customer service, Claims before the Bank of Spain, Claims before the CNMV (National Securities Market Commission)
International Banking and Trade Finance
International sale contracts supported by bank instruments, International wire transfers and SWIFT operations, Foreign exchange transactions, Trade finance (letters of credit, standby letters of credit, bank guarantees)
Debt Recovery and Enforcement Proceedings
Mortgage foreclosure proceedings, Enforcement of loan agreements and guarantees, Claims for outstanding debt recovery, Insolvency proceedings related to financial transactions