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84 lines
2.9 KiB
Go
84 lines
2.9 KiB
Go
// Copyright 2024-2026 Lux Partners Limited. All rights reserved.
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// Use of this source code is governed by the Apache 2.0
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// license that can be found in the LICENSE file.
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package regulatory
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// Spain implements the Jurisdiction interface for CNMV/Bank of Spain regulation.
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// Covers MiCA, Ley del Mercado de Valores (LMV), and Real Decreto 217/2008.
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type Spain struct{}
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func (s *Spain) Name() string { return "Spain" }
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func (s *Spain) Code() string { return "ES" }
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func (s *Spain) RegulatoryFramework() string { return "mica" }
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func (s *Spain) PassportableTo() []string { return []string{"LU", "DE", "FR", "NL", "IE", "IT"} }
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func (s *Spain) Requirements() []Requirement {
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return []Requirement{
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{
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ID: "es-cnmv-licence",
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Category: "licensing",
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Description: "CNMV authorisation for investment firm (empresa de servicios de inversion)",
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Mandatory: true,
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Reference: "Ley del Mercado de Valores (LMV - RDL 4/2015), art. 143",
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},
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{
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ID: "es-mica-casp",
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Category: "licensing",
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Description: "MiCA CASP authorisation via CNMV for crypto-asset services",
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Mandatory: false,
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Reference: "Regulation (EU) 2023/1114 (MiCA), Title V",
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},
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{
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ID: "es-rd217-conduct",
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Category: "kyc",
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Description: "Conduct of business rules per Real Decreto 217/2008: client classification, suitability, appropriateness",
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Mandatory: true,
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Reference: "Real Decreto 217/2008, Titulo IV",
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},
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{
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ID: "es-aml-kyc",
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Category: "kyc",
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Description: "CDD under Ley 10/2010 de prevencion del blanqueo de capitales",
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Mandatory: true,
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Reference: "Ley 10/2010, art. 3-6",
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},
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{
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ID: "es-aml-edd",
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Category: "kyc",
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Description: "Enhanced due diligence for PEPs and high-risk relationships",
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Mandatory: true,
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Reference: "Ley 10/2010, art. 11-12",
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},
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{
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ID: "es-sepblac-str",
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Category: "reporting",
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Description: "Suspicious Transaction Report to SEPBLAC (Servicio Ejecutivo de la Comision de Prevencion del Blanqueo de Capitales e Infracciones Monetarias)",
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Mandatory: true,
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Reference: "Ley 10/2010, art. 18",
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},
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{
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ID: "es-bde-prudential",
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Category: "capital",
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Description: "Bank of Spain prudential supervision for credit institutions and payment entities",
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Mandatory: false,
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Reference: "Ley 10/2014 de ordenacion, supervision y solvencia de entidades de credito",
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},
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{
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ID: "es-fatca-crs",
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Category: "reporting",
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Description: "FATCA/CRS reporting to Agencia Estatal de Administracion Tributaria (AEAT)",
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Mandatory: true,
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Reference: "Real Decreto 1021/2015 (CRS); Orden HAP/1136/2014 (FATCA)",
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},
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}
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}
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func (s *Spain) ValidateApplication(app *ApplicationData) []Violation {
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return validateEUApplication(app, "es-aml-kyc", "es-aml-edd", "es-sepblac-str")
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}
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func (s *Spain) TransactionLimits() *Limits {
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return euTransactionLimits()
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}
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