European Legislation of Payment systems

- Directive 98/26/EC of the European Parliament and of the Council of 19 May 1998 on settlement finality in payment and securities settlement systems

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

- Directive 2000/31/EC of the European Parliament and of the Council of 8 June 2000 on certain legal aspects of information society services, in particular electronic commerce, in the Internal Market ('Directive on electronic commerce')

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

- Directive 2000/28/EC of the European Parliament and of the Council of 18 September 2000 amending Directive 2000/12/EC relating to the taking up and pursuit of the business of credit institutions

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

- Directive 2000/46/EC of the European Parliament and of the Council of 18 September 2000 on the taking up, pursuit of and prudential supervision of the business of electronic money institutions

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

- Directive 2002/65/EC of the European Parliament and of the Council of 23 September 2002 concerning the distance marketing of consumer financial services and amending Council Directive 90/619/EEC and Directives 97/7/EC and 98/27/EC

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

- COMMON POSITION (EC) No 22/2000 adopted by the Council on 28 February 2000
with a view to adopting a Directive 2000/.../EC of the European Parliament and of the Council of ... on certain legal aspects of information society services, in particular electronic commerce, in the internal market

[Spanish]

- Regulation (EC) No 2560/2001 of the European Parliament and of the Council of 19 December 2001 on cross-border payments in euro

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

- 87/598/EEC: Commission Recommendation of 8 December 1987 on a European Code of Conduct relating to electronic payment (Relations between financial institutions, traders and service establishments, and consumers)

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

- 88/590/EEC: Commission Recommendation of 17 November 1988 concerning payment systems, and in particular the relationship between cardholder and card issuer

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

- 97/489/EC: Commission Recommendation of 30 July 1997 concerning transactions by electronic payment instruments and in particular the relationship between issuer and holder (Text with EEA relevance)

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

- Communication from the Commission to the Council, the European Parliament and the European Central Bank - Application to financial services of article 3(4) to (6) of the electronic commerce directive

[Spanish]

Spanish Legislation of Payment systems

- Law 7/1996 of 15 January, of Planning of Retail Commerce. Articles from 38 to 48 and Additional Regulation 1ª. 1.

- Law 9/1999, of 12 April, that regulates the juridical regime of the bank transfers between Member States of the European Union.

- Law 41/1999, of 12 November, about means of payments and securities liquidation.

- Law 34/02 of 11 July of 2002 of financial services, information society and electronic commerce.

- Law 59/2003 of 19 December 2003 of electronic signature.

- Royal Decree 1906/1999, of 17 December, that regulates the telephone contracting with general conditions, to develop the article 5.3 of the Law 7/1998, of 13 April, of contracting general conditions

- Order of 22 December of 1999, that creates a special sector of negotiation, named “New Market”, and modifies the requirements to entry in the Stock Market.

- Circular 8/1990 of Bank of Spain of 7 September about operations transparency.

- Circular 1/2000 of the CNMV (Comisión Nacional del Mercado de Valores) that stablishes the particular conditions of entry and permanence of the “New Market”.

- Resolution of 11 April of 2001, of the State Agency of the State Agency of Taxation Administration, about support to taxpayers and citizens in thir telematic identification before the collaborator institutions on the occasion of the procedures of taxation proceedings.

- Resolution of 18 November of 2003, of the CNMV (Comisión Nacional del Mercado de Valores), that stablish the procedure and conditions to pay by means of a collaborator institution in the collection management and telematically, of the applicable rates to the activities and services provided by the CNMV.