Banking law refers to the regulations relating to the operation and good practice of financial institutions before their customers, setting out how they should offer their services and market their products.

If the regulations are infringed, the consequences for the bank must be established. We can cite as an example what has happened with multi-currency loans, swaps, or minimum interest rate clauses or costs, declared null and void by the courts.

We specialize in complaints against banks, both complex financial products and specific banking clauses, deriving from lack of consent or contractual transparency which, in many cases, can result in the nullity of all or part of the contract and a refund of the amount paid by the customer.

The Banking Law department covers the following matters:

• Minimum interest clauses.
• Multi-currency trading.
• Swaps.
• Mortgage Loan Reference Index (IRPH).
• Claim of expenses paid by the consumer (expense clause).
• Analysis and advice regarding the provision of a mortgage.
• Commission (opening, recovery, management, etc.).
• Negotiation of debts and payment agreements.
• Card contracts (credit, debit, revolving, etc.).
• Foreclosures.
• Etc.