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In forceCredit institutions: deposit guarantee, interest rate and mortgage statements (national)Last checked 11 November 2026

Consumer complaints about mortgage floor clauses (CS1)

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

Information on consumer complaints relating to floor clauses in mortgage loans; the Bank's page for credit institutions lists it as 'Information on consumer complaints related to floor clauses (RD 536/2017)'. The data file has two tables, CS1.a floor clauses and CS1.b memorandum items. Source

Official title: Información sobre reclamaciones relativas a cláusulas suelo (CS1)

The facts

Who files
Credit institutions (the Bank lists the return on its page for credit institutions). Source
How often
Not stated on the Banco de España page or in the files read. Source
Deadline
Not stated on the Banco de España page or in the files read. Source
Format
Other. Not stated on the page; I.E. 2008.02 lists SIF document type 57 'Sistema de comunicación de cláusulas suelo'. 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: deposit guarantee, interest rate and mortgage statements (national)

Templates (2)

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

  • Floor clauses (CS1.a)
  • Floor clauses: memorandum items (CS1.b)

Where the list was read: Source

Validation rules

17 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 'Clausulas_suelo_Cuadres.pdf' (file dated 2021-10-13 by the server), each shown with its number of evaluations and its formula; 2 rule codes whose validity period ended before 11 November 2026 were left out (19 listed in all).

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 (7)

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.