Unfair Contract Terms Directive (93/13) - Spain

National Law

  • Royal Decree of 24 July 1889 by which the Civil Code is published
    • Adoption date for national laws: 24/07/1889
    • In force date: 25/07/1889
Royal Decree of 24 July 1889 by which the Civil Code is published 24/07/1889 25/07/1889
  • Organic Law 9/1985, of July 1st, on the Judiciary
    • Adoption date for national laws: 01/07/1985
    • In force date: 03/07/1985
Organic Law 9/1985, of July 1st, on the Judiciary 01/07/1985 03/07/1985
  • The General Act, of November 11th, on Advertising
    • Adoption date for national laws: 11/11/1988
    • In force date: 15/11/1988
The General Act, of November 11th, on Advertising 11/11/1988 15/11/1988
  • Law 3/1991, 10 January, of Unfair Competition
    • Adoption date for national laws: 11/01/1991
    • In force date: 31/01/1991
Law 3/1991, 10 January, of Unfair Competition 11/01/1991 31/01/1991
  • 30/1992 Act, on the Common Legal Framework and Administrative Procedure
    • Adoption date for national laws: 26/11/1992
    • In force date: 27/02/1993
30/1992 Act, on the Common Legal Framework and Administrative Procedure 26/11/1992 27/02/1993
  • Law 7/1996, of 15 January 1996, on the Regulation of Retail Commerce
    • Adoption date for national laws: 15/01/1996
    • In force date: 17/01/1996
Law 7/1996, of 15 January 1996, on the Regulation of Retail Commerce 15/01/1996 17/01/1996
  • Law 7/1998, 13 April, on general contracting conditions
    • Adoption date for national laws: 14/04/1998
    • In force date: 04/05/1998
Law 7/1998, 13 April, on general contracting conditions 14/04/1998 04/05/1998
  • Law 1/2000, of 7th January, of Civil Procedure
    • Adoption date for national laws: 07/01/2000
    • In force date: 08/01/2001
Law 1/2000, of 7th January, of Civil Procedure 07/01/2000 08/01/2001
  • Royal Decree 3423/2000, of 15 December, on the regulation of price indication of products offered to consumers and users
    • Adoption date for national laws: 28/12/2000
    • In force date: 29/12/2000
Royal Decree 3423/2000, of 15 December, on the regulation of price indication of products offered to consumers and users 28/12/2000 29/12/2000
  • Law 47/2002 of 19 December on the reform of the Law 7/1996 on retail trade, for the transposition into the Spanish legal system of the Directive 97/7/EC
    • Adoption date for national laws: 19/12/2002
    • In force date: 01/01/2003
Law 47/2002 of 19 December on the reform of the Law 7/1996 on retail trade, for the transposition into the Spanish legal system of the Directive 97/7/EC 19/12/2002 01/01/2003
  • Law 23/2003 on consumer sales
    • Adoption date for national laws: 10/07/2003
    • In force date: 11/09/2003
Law 23/2003 on consumer sales 10/07/2003 11/09/2003
  • Law 22/2007, of July 11, on distance trading of financial services for consumers.
    • Adoption date for national laws: 11/07/2007
    • In force date: 12/10/2007
Law 22/2007, of July 11, on distance trading of financial services for consumers. 11/07/2007 12/10/2007
  • Royal Legislative Decree 1/2007, of 16 November, approving the revised text of the General Law for the Protection of Consumers and Users and other complementary laws.
    • Adoption date for national laws: 26/11/2007
    • In force date: 01/12/2007
Royal Legislative Decree 1/2007, of 16 November, approving the revised text of the General Law for the Protection of Consumers and Users and other complementary laws. 26/11/2007 01/12/2007
  • Legislative Decree 1/2007
    • Adoption date for national laws: 26/11/2007
    • In force date: 01/01/9999
Legislative Decree 1/2007 26/11/2007 01/01/9999
Law 29/2009 22/12/2009 01/01/2010
  • Law 4/2012, of July 6, on timesharing, acquisition of long-term vacation products, resale and exchange, and tax rules
    • Adoption date for national laws: 06/07/2012
    • In force date: 07/07/2012
Law 4/2012, of July 6, on timesharing, acquisition of long-term vacation products, resale and exchange, and tax rules 06/07/2012 07/07/2012
  • 39/2015 Act , of October 1, on the Common Administrative Procedure of the Public Administrations.
    • Adoption date for national laws: 01/10/2015
    • In force date: 02/10/2016
39/2015 Act , of October 1, on the Common Administrative Procedure of the Public Administrations. 01/10/2015 02/10/2016
  • Law No. 26/1991 of 21 November on consumer protection in case of contracts concluded out of the business premises
    • Adoption date for national laws: 01/01/9999
    • In force date: 17/12/1991
Law No. 26/1991 of 21 November on consumer protection in case of contracts concluded out of the business premises 01/01/9999 17/12/1991
  • Law 42/1998 of 15 December on timesharing rights on immovable goods for tourist use and taxation norms
    • Adoption date for national laws: 01/01/9999
    • In force date: 06/01/1999
Law 42/1998 of 15 December on timesharing rights on immovable goods for tourist use and taxation norms 01/01/9999 06/01/1999
  • Act No 8/2012 on Timeshare Contracts
    • Adoption date for national laws: 01/01/9999
    • In force date: 01/01/9999
Act No 8/2012 on Timeshare Contracts 01/01/9999 01/01/9999
  • Law 21/1995, of 6th of July on package travels
Law 21/1995, of 6th of July on package travels 01/01/9999 07/10/1995
  • Act 29/2006 on pharmaceuticals
    • Adoption date for national laws: 01/01/9999
    • In force date: 26/07/2006
Act 29/2006 on pharmaceuticals 01/01/9999 26/07/2006
  • Law No. 32/2003 of 3 November on Telecommunications
    • Adoption date for national laws: 01/01/9999
    • In force date: 05/11/2003
Law No. 32/2003 of 3 November on Telecommunications 01/01/9999 05/11/2003
  • Norms of the Autonomous Communities about Travel (examples)
    • Adoption date for national laws: 01/01/9999
    • In force date: 01/01/9999
Norms of the Autonomous Communities about Travel (examples) 01/01/9999 01/01/9999
  • Law 34/2002 of 11 July on the services of the information society and on electronic commerce
    • Adoption date for national laws: 01/01/9999
    • In force date: 12/10/2002
Law 34/2002 of 11 July on the services of the information society and on electronic commerce 01/01/9999 12/10/2002
  • Law 7/1998 of 13th April on Standard Terms in Contracts
    • Adoption date for national laws: 01/01/9999
    • In force date: 05/05/1998
Law 7/1998 of 13th April on Standard Terms in Contracts 01/01/9999 05/05/1998
  • Law 1/2000, of 7th January, of Civil Procedure
    • Adoption date for national laws: 01/01/9999
    • In force date: 08/01/2001
Law 1/2000, of 7th January, of Civil Procedure 01/01/9999 08/01/2001
  • Royal Decree 3423/2000 of 15 December on the regulation of the indication of prices of the products offered to the consumers and users
    • Adoption date for national laws: 01/01/9999
    • In force date: 29/12/2000
Royal Decree 3423/2000 of 15 December on the regulation of the indication of prices of the products offered to the consumers and users 01/01/9999 29/12/2000
  • Law 39/2002 of 28th of October for the transposition into the Spanish legal system of some Community Directives on protection of the interests of consumers
    • Adoption date for national laws: 01/01/9999
    • In force date: 19/11/2002
Law 39/2002 of 28th of October for the transposition into the Spanish legal system of some Community Directives on protection of the interests of consumers 01/01/9999 19/11/2002

Enforcement System

No results available


Cases

  • 834/2009
    • National ID: 834/2009
    • Common Name: Asociación de Usuarios de Bancos, Cajas y Seguros (ADICAE) v. Caja Rural de Valencia
    • Directive Part: Article 5 Article 6, 1.
    • Decision type: Other
    • Decision date: 22/12/2009
834/2009 Asociación de Usuarios de Bancos, Cajas y Seguros (ADICAE) v. Caja Rural de Valencia Article 5 Article 6, 1." Other" 22/12/2009
  • 1124/2008
    • National ID: 1124/2008
    • Common Name: Asociación de Usuarios de Servicios Bancarios Consumo (AUSBANC) v. Caja Madrid
    • Directive Part: Article 3, 3. Article 3, 2. Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 12/12/2008
1124/2008 Asociación de Usuarios de Servicios Bancarios Consumo (AUSBANC) v. Caja Madrid Article 3, 3. Article 3, 2. Article 3, 1. Article 2" Other" 12/12/2008
  • 667/2010
    • National ID: 667/2010
    • Common Name: AUSBANC v. Caja Provincial de Ahorros de Jaén
    • Directive Part: Article 4, 1. Article 3 Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 04/11/2010
667/2010 AUSBANC v. Caja Provincial de Ahorros de Jaén Article 4, 1. Article 3 Article 3, 1. Article 2" Other" 04/11/2010
  • 651/2010
    • National ID: 651/2010
    • Common Name: Banco de Bilbao Vizcaya Argentaria, S. A v. Modesto
    • Directive Part: Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 02/11/2010
651/2010 Banco de Bilbao Vizcaya Argentaria, S. A v. Modesto Article 3, 1. Article 2" Other" 02/11/2010
  • 203/2011
    • National ID: 203/2011
    • Common Name: Carlos María v. Celia
    • Directive Part: Article 3, 3. Article 3, 2. Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 08/04/2011
203/2011 Carlos María v. Celia Article 3, 3. Article 3, 2. Article 3, 1. Article 2" Other" 08/04/2011
  • 501/2008
    • National ID: 501/2008
    • Common Name: Daniela v. “P. S. L.”
    • Directive Part: Article 3, 3. Article 3, 2. Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 03/06/2008
501/2008 Daniela v. “P. S. L.” Article 3, 3. Article 3, 2. Article 3, 1. Article 2" Other" 03/06/2008
  • 75/2011
    • National ID: 75/2011
    • Common Name: Francisco v. Banco Popular, S. A.
    • Directive Part: Article 3, 3. Article 3, 2. Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 02/03/2011
75/2011 Francisco v. Banco Popular, S. A. Article 3, 3. Article 3, 2. Article 3, 1. Article 2" Other" 02/03/2011
  • link
    • National ID: link
    • Common Name: link
    • Directive Part: Article 1, 1. Article 5, 1. Article 1, 1. Article 3, 2. Annex I
    • Decision type: Other
    • Decision date: 11/05/2005
link link Article 1, 1. Article 5, 1. Article 1, 1. Article 3, 2. Annex I" Other" 11/05/2005
TSJ de C. Valenciana, (Sala de lo Civil y Penal, Sección 1a) Sentencia num. 3/2013 de 7 mayo link ANNEX I, 1., (q) Article 3, 1." Court decision in appeal" 07/05/2013
AP de Barcelona (Sección 1a) Auto num. 51/2015 de 27 febrero link Article 3, 1. Article 6, 1." Court decision in appeal" 27/02/2015
JMerc de Valladolid Sentencia num. 369/2015 de 3 diciembre link Article 3, 1." Court decision, first degree" 03/12/2015
AP de Granada (Sección 3ª) Sentencia num. 5/2016 de 19 enero link Article 3, 1. Article 6, 1." Court decision in appeal" 19/01/2016
AP de Girona (Sección 1a) Auto num. 114/2016 de 5 mayo link Article 3, 1." Court decision in appeal" 05/05/2016
  • 401/2010
    • National ID: 401/2010
    • Common Name: Organización de Consumidores y Usuarios (OCU) v. Allianz, Compañía de Seguros y Reaseguros, S. A.
    • Directive Part: Article 4, 2. Article 6, 1.
    • Decision type: Other
    • Decision date: 01/07/2010
401/2010 Organización de Consumidores y Usuarios (OCU) v. Allianz, Compañía de Seguros y Reaseguros, S. A. Article 4, 2. Article 6, 1." Other" 01/07/2010
  • 792/2009
    • National ID: 792/2009
    • Common Name: Organización de Consumidores y Usuarios (OCU) v. Banco Bilbao Vizcaya Argentaria, S. A and others.
    • Directive Part: Article 3, 3. Article 3, 2. Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 16/12/2009
792/2009 Organización de Consumidores y Usuarios (OCU) v. Banco Bilbao Vizcaya Argentaria, S. A and others. Article 3, 3. Article 3, 2. Article 3, 1. Article 2" Other" 16/12/2009
  • link
    • National ID: link
    • Common Name: Spanish Ministry of Health and Consume v “Parking Campillo and others
    • Directive Part: Article 1, 2. Article 4, 1. Article 3, 2. Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 20/03/2004
link Spanish Ministry of Health and Consume v “Parking Campillo and others Article 1, 2. Article 4, 1. Article 3, 2. Article 3, 1. Article 2" Other" 20/03/2004
  • link
    • National ID: link
    • Common Name: “Allianz Ras Seguros y Reaseguros, S. A.” v Order of the Ministry of Economy ...
    • Directive Part: Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 31/05/2003
link “Allianz Ras Seguros y Reaseguros, S. A.” v Order of the Ministry of Economy ... Article 3, 1. Article 2" Other" 31/05/2003
  • 1079/2006
    • National ID: 1079/2006
    • Common Name: “Asociación Amas de Casa A.” v “Gas N., S. A.”
    • Directive Part: Article 5 Article 3, 3. Article 3, 2. Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 03/11/2006
1079/2006 “Asociación Amas de Casa A.” v “Gas N., S. A.” Article 5 Article 3, 3. Article 3, 2. Article 3, 1. Article 2" Other" 03/11/2006
  • link
    • National ID: link
    • Common Name: “Asociación de Usuarios de Banca” (Ausbanc) v “Banca March”
    • Directive Part: Article 1, 1. Article 2, 1. Article 5, 1. Article 1, 1. Article 4, 1. Article 3 Annex I
    • Decision type: Other
    • Decision date: 17/03/2003
link “Asociación de Usuarios de Banca” (Ausbanc) v “Banca March” Article 1, 1. Article 2, 1. Article 5, 1. Article 1, 1. Article 4, 1. Article 3 Annex I" Other" 17/03/2003
  • link
    • National ID: link
    • Common Name: “Asociación de Usuarios de Servicios Bancarios” (Ausbanc Consumo) v “Caixa d’Estalvis de Catalunya”
    • Directive Part: Article 4 Article 3 Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 17/10/2003
link “Asociación de Usuarios de Servicios Bancarios” (Ausbanc Consumo) v “Caixa d’Estalvis de Catalunya” Article 4 Article 3 Article 3, 1. Article 2" Other" 17/10/2003
  • link
    • National ID: link
    • Common Name: “E. O. E., S.A.” v A. C. S.
    • Directive Part: ANNEX I, 1. Article 1, 1. Article 3, 1. Article 2 Article 6, 1.
    • Decision type: Other
    • Decision date: 05/07/1997
link “E. O. E., S.A.” v A. C. S. ANNEX I, 1. Article 1, 1. Article 3, 1. Article 2 Article 6, 1." Other" 05/07/1997
  • Judgment 35/1998, of 31st January
    • National ID: Judgment 35/1998, of 31st January
    • Common Name: “Unión de Consumidores de España, U.C.E” and Mr. C. L. A. F. v “Banco Central S. A.”
    • Directive Part: Article 10 Article 3, 2.
    • Decision type: Other
    • Decision date: 31/01/1998
Judgment 35/1998, of 31st January “Unión de Consumidores de España, U.C.E” and Mr. C. L. A. F. v “Banco Central S. A.” Article 10 Article 3, 2." Other" 31/01/1998
  • 308/2004
    • National ID: 308/2004
    • Common Name: “Unión Financiera Asturiana” v Laureno, Concepción and Arsenio
    • Directive Part: Article 3, 1. Article 2
    • Decision type: Other
    • Decision date: 09/07/2004
308/2004 “Unión Financiera Asturiana” v Laureno, Concepción and Arsenio Article 3, 1. Article 2" Other" 09/07/2004
  • link
    • National ID: link
    • Common Name: “Zardoya Otis, S. A.” v “Comunidad de propietarios de la casa ...
    • Directive Part: ANNEX I, 1. Article 1, 1. Article 3, 1. Article 2 Article 6, 1.
    • Decision type: Other
    • Decision date: 30/11/1996
link “Zardoya Otis, S. A.” v “Comunidad de propietarios de la casa ... ANNEX I, 1. Article 1, 1. Article 3, 1. Article 2 Article 6, 1." Other" 30/11/1996

Legal Literature

Grandes Tratados. Comentario del Texto Refundido de la Ley General para la defensa de los consumidores y usuarios y otras leyes complementarias. Editorial Aranzadi, S.A.U., Septiembre de 2009 A commentary on article 85.3 of the Spanish Consumer Protection Act. GONZÁLEZ PACANOWSKA, I. 01/01/1970
  • Grandes Tratados. Reclamaciones de consumo. Editorial Aranzadi, S.A.U., Noviembre de 2010.
Grandes Tratados. Reclamaciones de consumo. Editorial Aranzadi, S.A.U., Noviembre de 2010. General contracting conditions, non-individually negotiated pre-set terms and unfair terms. Legal regime and applicable controls to stipulations non-negotiated with consumers. BUSTO LAGO, J. M.; ÁLVAREZ LATA, N.; PEÑA LÓPEZ, F. 01/01/1970
Manual de derecho de consumo. Edificio Lex Nova, enero de 2013. Rights and guarantees of consumers when acquiring a consumer good. PORTO CORTÉS, A. 01/01/1970
Revista Doctrinal Aranzadi Civil-mercantil num. 4/2013. Editorial Aranzadi, S.A.U. Unfair general contracting conditions: minimum interest terms in mortgage loan agreements with variable interest rates. Ruling of the Spanish Supreme Court of 9 May 2013. PÉREZ CONESA, C. 01/01/1970

Other material

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