Consumer protection in Spain. The CJEU redefines the financial structure of consumer credit: implications for business models, litigation risk and regulatory strategy
3 June 2026
The recent CJEU ruling on consumer credit introduces a criterion with a direct impact on the financial structuring of these products.
In this second briefing on consumer protection, we analyse its key practical implications for financial institutions, in particular in relation to business models, the financing of ancillary costs, litigation risk and governance.
This is a significant decision that provides a clear signal as to the direction Europe is going: towards a model that favours more explicit pricing structures and is less dependent on expanding the items included in the calculation of interest.
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Protección de consumidores. El TJUE redefine la estructura económica del crédito al consumo: implicaciones para modelos de negocio, riesgo litigioso y estrategia regulatoria en España
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Protección de consumidores. Los servicios de atención al cliente en la normativa de protección de los consumidores: La Ley 10/2025
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