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BOE-A-2026-8697 ·21 April 2026 ·Act critical
Corporate

Consumers and users can challenge constitutionality of financial services customer service regulations

A constitutional challenge is filed against specific articles of the 10/2025 financial services customer service law, affecting consumer rights and financial services. Articles 7.2, 8.6, 9.2, 13.6, 23.1 and the final provision are under review by the Constitutional Court. The challenge is based on the argument that these provisions may violate constitutional consumer rights.

In 2 key points

  1. Consumers may appeal against articles of Law 10/2025 via unconstitutionality proceedings (art. 7.2, 8.6, 9.2, 13.6, 23.1)
  2. The second final provision of Law 10/2025 is subject to constitutional review (disposición final segunda)

How it affects those involved

Consumers and users may file appeals of unconstitutionality if they believe their rights are violated by customer service regulations. Financial firms must consider the potential legal consequences of the affected rules. Advisors and lawyers should be prepared to assess the constitutionality of the new regulations. The Constitutional Court will determine whether the rules infringe upon fundamental rights.

Lifecycle

2026-04-21PublishedPublished in the BOE
Official text Based on BOE data (boe.es). Information, not advice.

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This analysis is informational only and does not constitute legal advice or create a client-adviser relationship. BM Consulting.
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