Ministerial Order ECM/531/2026, of 27 May 2026, amending Ministerial Order ECO/697/2004, of 11 March 2004, regarding the Bank of Spain’s Central Credit Register, and Ministerial Order EHA/1718/2010, of 11 June 2010, on the regulation and control of banking services and products advertising (Official State Gazette: 29 May 2026)
This Ministerial Order amends the regimes governing the Bank of Spain’s Central Credit Register (CCR) and the advertisement of banking services and products.

In broad terms, the Order introduces the following changes:

• To the CCR′S framework:
  
  
  • The Bank of Spain is empowered to  establish the procedure and method for submitting the information required.
  • A distinction is made between use of  data by the Bank of Spain for supervisory purposes and its use by the credit institutions for commercial purposes.
  • The threshold triggering the  requirement to report exposure is reduced from 3,000 euros to 1,000 euros, following a transition period that ends in 2027.
  • Consolidated information is required  for all obligors with cumulative risk exposure to or exceeding 1,000 euros.
  • For processing and provisioning  information, procedures around  obligors’ exposures are introduced to ensure that reporting institutions and credit intermediaries have access to the latest information reported on the 21^st day of each month.
    
    
• Regarding the advertising regime for  banking services and products:
  
  
  • Advertising principles are reinforced (clear, sufficient, objective and not misleading), as well as the Bank of Spain’s supervisory powers over advertising campaigns.
  • Requirement to provide standardised, representative examples to facilitate an understanding of product costs, particularly in the case of revolving credit products are introduced.
  • Credit institutions are required to have internal advertising control policies.

Ministerial Order TDF/558/2026, of 4 June 2026, amending Ministerial Order TDF/149/2025, of 12 February 2025, establishing measures for combating identity theft and fraud via fraudulent phone calls and text messages to ensure easily identifiable numbers for the provision of customer services and unsolicited marketing calls (Official State Gazette: 5 June 2026)
This Order provides the extension until 15 September 2026 of the deadline for implementing the blocking of illegitimate messages or those originating from aliases that have not been duly registered, and their corresponding entry in the so-called Register of Aliases.