Financial intermediation in the loan market

It is worth noting that certain activities commonly carried out by credit institutions, such as offering intermediation between customers and credit institutions or granting loans, are not exclusive to supervised institutions. When those activities are carried out by institutions or individuals other than credit institutions, which, moreover, often also offer other services, such as real estate advisory, agency or brokerage services, you should be aware that they are not subject to the Banco de España's supervision. See Ley 2/2009, of 31 march 2009 (In Spanish)Abre en ventana nueva on consumer mortgage lending and credit brokerage services contracted with service providers other than credit institutions or their agents.

The Banco de España is responsible for the supervision of credit institutions such as banks, savings banks, credit co-operatives, branch offices of foreign credit institutions and specialised lending institutions as well as other institutions not considered credit institutions, such as electronic money institutions (EMIs), mutual guarantee societies, valuation companies and payment institutions.

The Banco de España’s website provides a register of the institutions under its supervision, as well as of the agents acting on behalf of those institutions. 


If you want to check whether a particular bank (e.g. one that has made you a loan offer or with which you are interested in taking out a banking product) is supervised by the Banco de España, click on the link below to consult the register of institutions and their agents:

Access to the Official Institutions RegisterAbre en ventana nueva

Access to the Official Agents RegisterAbre en ventana nueva

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