BANKING AND INSURANCE PRODUCTS
SUBJECT 12: Codes of conduct, transparency and self-regulation

 

European Legislation of Codes of conduct, transparency and self-regulation

- Council Directive 84/450/EEC of 10 September 1984 relating to the approximation of the laws, regulations and administrative provisions of the Member States concerning misleading advertising

[Spanish] - [German] - [Italian] - [Greek] - [French]

- Council Directive 93/13/EEC of 5 April 1993 on unfair terms in consumer contracts

[Spanish] - [German] - [Italian] - [Greek] - [French]

- Directive 97/55/EC of European Parliament and of the Council of 6 October 1997 amending Directive 84/450/EEC concerning misleading advertising so as to include comparative advertising

[Spanish] - [German] - [Italian] - [Greek] - [French]

- GREEN PAPER on European Union Consumer Protection, 2.10.2001
COM(2001) 531 final

[Spanish]

- Proposal for a Directive of the European Parliament and of the Council concerning unfair business-to-consumer commercial practices in the Internal Market and amending directives 84/450/EEC, 97/7/EC and 98/27/EC (the Unfair Commercial Practices Directive) {SEC (2003) 724}

[Spanish] - [German] - [Italian] - [Greek] - [French]

Spanish Legislation of Codes of conduct, transparency and self-regulation

- Law 26/2003, of 17 July, about transparency of quoting limited liability companies. It modifies the Law 24/1988, of 28 July, of the Stock Market, and the revised text of the Law of Limited Liability Companies, approved by the Legislating Royal Decree 1564/1989, of 22 December.

- Royal Decree 504/2003, of 2 May, that regulates the Consulting Committee of the National Commission of the Stock Market.

- Order ECO/3721/2003, of 23 December, that approves the behaviour code for the mutual insurance companies and mutual companies of social prevention with regard to temporary financial investments

- Circular 1/1996, of 27 March, of the CNMV (Comisión Nacional del Mercado de Valores), about rules of behaviour, transparency and identification of the customers in the operations at the Stock Market

- Circular 3/1999, of the CNMV (Comisión Nacional del Mercado de Valores), of 22 September of 1999, about operations transparency at the official stock markets.

- Agreement of 20 November 2003, of the CNMV Council, that approves the Behaviour Code for non profit organisations in the performance of temporary investments

 


This project is being sponsored by the DG SANCO of the European Commission and the Spanish Consumer Institute
   
 
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