- The last reform does not improve the resolution of consumers claims. Law 44/2002, of 22 November, of measures of reform of financial system. “Financial Law”

- Modalities of judicial resolution of consumption conflicts. Law 1/2000 of 7 January, of Lawsuit, operations transparency and client protection.

- The protection that came from Europe. Law 39/2002, of 28 October, of transposition to the Spanish Legal System of diverse Community directives with regard to protection of interests of consumers and users.

- The consumption arbitration: A well-balanced system. Royal Decree 636/1993, of 17 December, that regulates the Arbitration Consumption System. Law 36/1988 of 5 December of arbitration.

- The new technologies and consumer access to justice. By the National Institute of Consumption of Spain.

- The Financial Law: Poor improvements for financial users. ADICAE Technical Team