{"id":5342,"date":"2020-11-05T19:06:53","date_gmt":"2020-11-05T18:06:53","guid":{"rendered":"https:\/\/www.andbank.es\/normativa\/"},"modified":"2020-11-05T19:06:54","modified_gmt":"2020-11-05T18:06:54","slug":"normativa","status":"publish","type":"page","link":"https:\/\/www.andbank.es\/ca\/informacio-legal\/normativa\/","title":{"rendered":"Normativa"},"content":{"rendered":"<p><strong>Servei d&#8217;atenci\u00f3 i defensa del client:<\/strong><\/p>\n<ul>\n<li>Llei 44\/2002, de 22 de novembre, de mesures de reforma del sistema financer, modificada per la Llei 2\/2011, de 4 de mar\u00e7, d&#8217;economia sostenible.<\/li>\n<li>Ordre ECO\/734\/2004 d&#8217;11 de mar\u00e7, sobre Departaments i Serveis d&#8217;atenci\u00f3 al client i el defensor del client de les entitats financeres.<\/li>\n<li>Ordre *ECC\/2502\/2012, de 16 de novembre, per la qual es regula el procediment de presentaci\u00f3 de reclamacions davant els serveis de reclamacions del Banc d&#8217;Espanya, la Comissi\u00f3 Nacional del &gt; Mercat de Valors i la Direcci\u00f3 General d&#8217;Assegurances i Pensions.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Normativa de Transpar\u00e8ncia de les operacions i protecci\u00f3 de la clientela:<\/strong><\/p>\n<ul>\n<li>Orde EHA\/2899\/2011, de 28 d&#8217;octubre del Ministeri d&#8217;Economia i Hisenda, de transpar\u00e8ncia i protecci\u00f3 del client de serveis bancaris.<\/li>\n<li>Circular 5\/2012, de 27 de juny, del Banc d&#8217;Espanya, a entitats de cr\u00e8dit i prove\u00efdors de serveis de pagament, sobre transpar\u00e8ncia dels serveis bancaris i responsabilitat en la concessi\u00f3 de pr\u00e9stecs.<\/li>\n<li>Ordre *ECC\/2316\/2015, de 4 de novembre relativa a les obligacions d&#8217;informaci\u00f3 i classificaci\u00f3 de productes financers.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Pr\u00e9stecs hipotecaris<\/strong><\/p>\n<ul>\n<li>Llei 5\/2019, de 15 de mar\u00e7, reguladora dels contractes de cr\u00e8dit immobiliari<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Serveis d&#8217;inversi\u00f3<\/strong><\/p>\n<ul>\n<li>Reial decret legislatiu 4\/2015, de 23 d&#8217;octubre, pel qual s&#8217;aprova el text ref\u00f3s de la Llei del Mercat de Valors.<\/li>\n<li>Reial decret llei 21\/2017, de 29 de desembre, de mesures urgents.<\/li>\n<li>Reial decret 1464\/2018, de 21 de desembre, pel qual es desenvolupen el text ref\u00f3s de la Llei del Mercat de Valors, aprovat pel Reial decret legislatiu 4\/2015, de 23 d&#8217;octubre i el Reial decret llei 21\/2017, de 29 de desembre, de mesures urgents per a l&#8217;adaptaci\u00f3 del Dret espanyol a la normativa de la Uni\u00f3 Europea en mat\u00e8ria de mercat de valors, i pel qual es modifiquen parcialment el Reial decret 217\/2008, de 15 de febrer, sobre el r\u00e8gim jur\u00eddic de les empreses de serveis d&#8217;inversi\u00f3 i de les altres entitats que presten serveis d&#8217;inversi\u00f3 i pel qual es modifiquen parcialment el Reglament de la Llei 35\/2003, de 4 de novembre, d&#8217;Institucions d&#8217;Inversi\u00f3 Col\u00b7lectiva, aprovat pel Reial decret 1309\/2005, de 4 de novembre, i altres reials decrets en mat\u00e8ria de mercat de valors.<\/li>\n<li>Reial decret llei 14\/2018, de 28 de setembre, pel qual es modifica el text ref\u00f3s de la Llei del Mercat de Valors, aprovat pel Reial decret legislatiu 4\/2015, de 23 d&#8217;octubre.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><strong>Fons de garantia<\/strong><\/p>\n<ul>\n<li>Reial decret llei 16\/2011, de 14 d&#8217;octubre, pel qual es crea el Fons de Garantia de Dip\u00f2sits d&#8217;Entitats de Cr\u00e8dit.<\/li>\n<li>Reial decret 948\/2001, de 3 d&#8217;agost, sobre sistemes d&#8217;indemnitzaci\u00f3 dels inversors<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Servei d&#8217;atenci\u00f3 i defensa del client: Llei 44\/2002, de 22 de novembre, de mesures de reforma del sistema financer, modificada per la Llei 2\/2011, de 4 de mar\u00e7, d&#8217;economia sostenible. Ordre ECO\/734\/2004 d&#8217;11 de mar\u00e7, sobre Departaments i Serveis d&#8217;atenci\u00f3 al client i el defensor del client de les entitats financeres. Ordre *ECC\/2502\/2012, de 16 [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":0,"parent":5344,"menu_order":5,"comment_status":"closed","ping_status":"closed","template":"template-detail-info.php","meta":{"_acf_changed":false,"footnotes":"","_members_access_role":[],"_members_access_error":""},"class_list":["post-5342","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Transpar\u00e8ncia Banc\u00e0ria - Condicions &amp; Defensa del client - Andbank<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.andbank.es\/ca\/informacio-legal\/normativa\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transpar\u00e8ncia Banc\u00e0ria - Condicions &amp; Defensa del client - Andbank\" \/>\n<meta property=\"og:description\" content=\"Servei d&#8217;atenci\u00f3 i defensa del client: Llei 44\/2002, de 22 de novembre, de mesures de reforma del sistema financer, modificada per la Llei 2\/2011, de 4 de mar\u00e7, d&#8217;economia sostenible. 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