BOE-A-2026-16347 ·27 July 2026 ·Resolution not-relevant
Corporate

Credit institutions: publication of the list of signatories to the Mortgage Code of Good Practice

The State Secretariat for Economy and Business Support has published the list of entities that have communicated their adherence to the Code of Good Practice for the viable restructuring of mortgage-backed debts on primary residences (Art. 5 RDL 6/2012). This Code provides restructuring mechanisms for mortgage debtors facing extraordinary difficulties. Adherence is voluntary for credit institutions or those professionally engaged in the granting of mortgage loans (Art. 5 RDL 6/2012).

In 2 key points

  1. Adherence to the Code of Good Practice is voluntary for credit institutions (Art. 5 RDL 6/2012). (art. 5 RDL 6/2012)
  2. Entities must communicate their adherence to the General Secretariat of the Treasury and International Financing (Art. 5 RDL 6/2012). (art. 5 RDL 6/2012)

How it affects those involved

For individuals facing difficulties in mortgage payments, this resolution allows for the identification of which entities are obliged to apply the restructuring mechanisms of the Code of Good Practice (Art. 5 RDL 6/2012). For credit institutions, adherence is voluntary but determines their subjection to the protection mechanisms for insolvent mortgage debtors established under the framework of RDL 6/2012.

Lifecycle

2026-07-27PublishedPublished in the BOE
Official text Based on BOE data (boe.es). Information, not advice.
PDF on boe.es

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