Regulations
Regulatory Landscape
The regulations shaping the Spanish RegTech ecosystem — Spanish national frameworks and EU-wide rules.
Sandbox Financiero · In force · 2020
Spain Financial Regulatory Sandbox
Controlled testing environment for financial innovation projects in Spain.
BdE Innovation Hub · In force · 2020
Banco de España Innovation Hub
Direct channel for fintech and RegTech firms to engage with the central bank.
AI Sandbox · Pilot · 2023
Spain AI Regulatory Sandbox
First EU pilot for the AI Act, run from Spain.
ENIA · In force · 2020
National AI Strategy (ENIA)
Spain's national plan to position the country as an AI leader.
AMLA · Phased · 2025
AMLA — EU Anti-Money Laundering Authority
New EU authority directly supervising high-risk obliged entities.
ISO 20022 · In force · 2023
ISO 20022
The global messaging standard reshaping payments, AML, sanctions screening and transaction monitoring across Spain and Europe.
AI Act · Phased · 2024
EU AI Act
Risk-based regulation of AI systems in the EU.
DORA · In force · 2025
Digital Operational Resilience Act (DORA)
EU rules on ICT risk and operational resilience for financial entities.
MiCA · In force · 2024
Markets in Crypto-Assets (MiCA)
EU regulatory regime for crypto-assets and service providers.
eIDAS 2.0 · Phased · 2024
eIDAS 2.0 & EU Digital Identity Wallet
New EU framework for digital identity and the EUDI Wallet.
NIS2 · Transposing · 2024
NIS2 Directive
EU cybersecurity rules for essential and important entities.
GDPR · In force · 2018
General Data Protection Regulation (GDPR)
EU regime for personal data protection.