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In forceCredit institutions: loan moratoria and mortgage debt relief (national)Last checked 11 November 2026

Code of Good Practice for mortgage debtors, Royal Decree-law 6/2012 (CBP)

A regulatory return listed by the Banco de España (BdE), Spain.

Information on the Code of Good Practice for the viable restructuring of mortgage debts on the main residence: new and pending applications, operations carried out (including dations in payment and debt write-offs), refusals and withdrawals, loans by outstanding debt band, complaints and foreclosures (the Bank's data file, May 2023). Source

Official title: Información del Código de Buenas Prácticas del RD-l 6/2012 para la reestructuración viable de las deudas con garantía hipotecaria sobre la vivienda habitual (estados CBP)

The facts

Who files
Credit institutions: the Bank lists the return on its page for credit institutions as information required under the Code of Good Practice of Royal Decree-law 6/2012. Source
How often
Monthly: the tables cover operations requested, carried out and refused in the month (the Bank's data file). Source
Deadline
Not stated on the Banco de España page or in the files read. Source
Format
XBRL-XML. XBRL-XML file built on the Bank's own taxonomy, sent through the SIF system (web upload or signed and encrypted email to correo@procesos.bde.es) with a Banco de España electronic certificate; the file names the reporting module and lists the statements sent in a preamble (I.E. 2008.02). Taxonomy 'es-be-cbp_1'. Source
How it is filed
Filing routes recorded for the BdE: SIF (Sistema de Intercambio de Información Financiera); Banco de España Virtual Office (Sede Electrónica): 'Envío de documentación financiera' (procedure ES_BDE_C164_P90); Editran and ITW file transfer (Central Credit Register and its complementary statements); CRGWWW; EXB: register of branch offices of supervised entities. See how firms file with the BdE.
Status
In force
Group
Credit institutions: loan moratoria and mortgage debt relief (national)

Templates (6)

The tables and forms inside the return. Plain name first, the BdE's code in brackets.

  • Applications: new operations requested in the month and operations pending resolution (CBP 1)
  • Operations carried out in the month, dations in payment and debt write-offs (CBP 2)
  • Operations refused and client withdrawals (CBP 3)
  • Number of loans by band of outstanding debt (CBP 4)
  • Complaints relating to Royal Decree-law 6/2012 (CBP 5)
  • Mortgage foreclosures (CBP 6)

Six statements split into 12 tables in the Bank's data file. Source

Validation rules

63 rules, as counted from the BdE's published material. They are written for people to read; software cannot run them as published. Source

How they are written: PDF report of cross-checks ('Informe de cuadres y relaciones' or 'Correlaciones y cuadres') giving each rule code, its number of evaluations, tolerance and formula.

Under I.E. 2008.02, statements that fail the validations are, as a general rule, rejected automatically and treated as not filed; part of the checks are also published in XBRL in the Bank's taxonomies.

The rules, on bde.es

How they were counted

Distinct rule codes listed in 'CBP1_RDL_6_2012_Cuadres.pdf' (file dated 2023-04-03 by the server), each shown with its number of evaluations and its formula.

Counts are in the BdE's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. No data from this return published by the Banco de España was found on the pages checked. Source

Official documents (6)

The BdE's own files, with the size and SHA-256 fingerprint of each as downloaded on 11 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's text and records here are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The regulators' documents, forms, taxonomies, rules and data belong to them: see BdE's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text.

Source: Banco de España (https://www.bde.es). Documents copied here are unchanged and are available free of charge on the Banco de España website. The plain-English summaries are Line4's own; the Banco de España does not endorse this library.

Last checked 11 November 2026.