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Global business in a changing Europe - 2024

With Parliamentary elections and a series of national votes in 2024, the EU is entering a pivotal period in its history. In this study, ‘Global business in a changing Europe’, we speak to corporate leaders across the world to...more

MiFID Review timeline – the year ahead

A high-level timeline summarising key dates and expected publications for the EU and UK MiFID Review. ...more

8/12/2021  /  Capital Markets , EMIR , EU , MiFID

Mortgage Loan Reference Indexed (IRPH) clauses. The ECJ rules that they are not abusive per se but it puts the ball back in the...

The ECJ issued yesterday its judgement in connection with case C-125/18 regarding the potential abusive nature of a clause governing a floating interest rate indexed to the Mortgage Loan Reference Index (IRPH) included in a...more

The new Real Estate Credit Act: lukewarm protection for borrowers and strong impact on lenders

On 21 February 2019, the Spanish Congress passed the Act 5/2019, regulating real estate credit (the Act), after a long and "tortuous" legislative process. The final text of the Act has been published in the Spanish Official...more

3/19/2019  /  Borrowers , EU , Lenders , Mortgages
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