Fernando Zunzunegui

Charles III University of Madrid - Faculty of Social Sciences and Law

Professor

Getafe (Madrid), 28903

Spain

SCHOLARLY PAPERS

42

DOWNLOADS
Rank 17,471

SSRN RANKINGS

Top 17,471

in Total Papers Downloads

5,979

TOTAL CITATIONS

13

Ideas:
“  I'm working on FinTech, ESG, Open Finance, Robo-Advice, Crowdfunding, Mortgage Mis-selling, PSD2, IDD and MiFID II.  ”

Scholarly Papers (42)

1.

Digitalisation of Payment Services

Ibero-American Institute for Law and Finance Working Paper No. 5/2018
Number of pages: 30 Posted: 21 Oct 2018 Last Revised: 10 May 2021
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 1,078 (43,479)
Citation 2

Abstract:

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Open Banking, PSD2, API, Digital Payments, Fintech, Data Protection, Financial Regulation, Client Protection

2.

La digitalización de los servicios de pago (Open Banking)

Revista de Derecho del Mercado Financiero Working Paper No.1/2018
Number of pages: 24 Posted: 08 Nov 2018 Last Revised: 16 Jul 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 691 (79,288)

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Banca Abierta, PSD2, API, Pagos Digitales, Fintech, Protección De Datos, Regulación Financiera, Protección Del Cliente; Open Banking, PSD2, API, Digital Payments, Fintech, Data Protection, Financial Regulation, Client Protection

3.

Régimen jurídico de las plataformas de financiación participativa (Crowdfunding - Spanish Crowdfunding Act)

Number of pages: 32 Posted: 10 Jul 2015 Last Revised: 23 Jul 2015
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 368 (170,174)
Citation 1

Abstract:

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Plataformas de financiación participativa, banca en la sombra, protección del inversor; crowdfunding platforms, shadow banking, investor protection

4.

La moratoria de deuda crediticia por COVID-19, una medida de mínimos (The Credit Debt Moratorium by COVID-19 As a Minimum Measure)

Number of pages: 8 Posted: 09 Apr 2020
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 297 (214,374)

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Moratoria, Deuda Hipotecaria, Crédito al consumo, COVID-19

5.

Shadow Banking, Crowdfunding y seguridad jurídica (Shadow Banking, Crowdfunding and legal certainty)

Papeles de Economía Española, ISSN: 0210-9107, Nº 146, 2015, pp. 145-159.
Number of pages: 23 Posted: 08 Jul 2016 Last Revised: 24 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 206 (307,975)

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Shadow banking, seguridad jurídica, Crowdfunding, riesgo sistémico, protección al cliente

6.

Evaluación de la solvencia (Creditworthiness Assessment)

Number of pages: 20 Posted: 18 Jul 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 177 (353,811)

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Crédito inmobiliario, MiFID II, cliente, evaluación de la solvencia, Immovable credit, MiFID II, client, creditworthiness assessment

7.

Financial Regulation in a Global Economy

Number of pages: 20 Posted: 08 Jan 2013
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 176 (355,569)

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Financial Regulation, Financialization, Investor Protection, Self-Regulation

8.

Assessment of Implementation in EU Member States of MiFID II Requirements on Knowledge and Competence

Number of pages: 30 Posted: 30 May 2019
Fernando Zunzunegui and Paloma Corbal
Charles III University of Madrid - Faculty of Social Sciences and Law and Francisco de Vitoria University
Downloads 156 (394,725)

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MiFID II, ESMA, knowledge, competence, qualification, training, investment advice, information, financial instruments, financial services

9.

¿Cómo regular las plataformas financieras digitales? (How to Regulate Digital Financial Platforms?)

ZUNZUNEGUI, F.: “¿Cómo regular las plataformas financieras digitales?”, IBÁÑEZ JIMÉNEZ, J. W. (Dir.), Transformación digital y nueva regulación de personas, instituciones y mercados. Estudios jurídicos en homenaje al Profesor Daniel Prades Cutillas, Ed. Reus, 2022. , Revista de Derecho del Mercado Financiero, WP 1/2022
Number of pages: 25 Posted: 27 Apr 2022 Last Revised: 09 Feb 2024
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 149 (409,956)
Citation 1

Abstract:

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plataformización financiera, plataformas financieras digitales, finanzas descentralizadas (DeFi), Fintech, MiCA, gobernanza, protección del inversor, riesgo sistémico, seguridad jurídica

10.

Evaluación de la solvencia en la concesión de créditos hipotecarios (Creditworthiness Assessment in Mortgage Credit)

Revista Teoría & Derecho. Revista de Pensamiento Jurídico, Nº 16, 2014, págs. 141-160
Number of pages: 21 Posted: 10 Jul 2015 Last Revised: 29 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 147 (414,484)
Citation 2

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Evaluación de la solvencia, sobreendeudamiento, crédito responsable, hipotecas, protección al cliente; Assessment of creditworthiness, Over-indebtedness, Responsible Lending, Mortgages, Client Protection.

11.

Asesoramiento Financiero Automatizado (Robo-Advice), Nuevo Animal Financiero (Automated Financial Advice (Robo-Advice), New Financial Animal)

Revista de Derecho del Mercado Financiero - Working Paper 4/2020
Number of pages: 28 Posted: 12 Nov 2020
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 144 (421,284)
Citation 2

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Asesoramiento Automatizado, Robo-Advice, Fintech, Evaluación Del Cliente, Protección Del Cliente, Responsabilidad Civil, Seguridad Jurídica

12.

Systematic and Conceptual Framework for Crowdfunding Regulation

Revista De Derecho Del Mercado Financiero Working Paper 5/2019
Number of pages: 16 Posted: 05 Sep 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 137 (438,263)

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Crowdfunding, Fintech, MiFID, Platform Economy, ESMA

13.

Distribution of preferred shares among retail clients

Number of pages: 29 Posted: 01 Apr 2013 Last Revised: 24 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 135 (443,372)
Citation 1

Abstract:

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preferred shares, mis-selling, investor protection, financial education, financial crisis

14.

Dealing on Own Account in Swaps

Number of pages: 26 Posted: 14 Jan 2013
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 129 (459,777)

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swaps, dealing on own account, MiFID, client protection, investment advice

15.

Over-Indebtedness and Mortgage Lending

Number of pages: 52 Posted: 01 Apr 2013
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 127 (465,324)
Citation 1

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Over-indebtedness, Responsible Lending, Mortgages, Evictions, Client Protection

16.

Aproximación Al Espacio Controlado De Pruebas ((Regulatory Sandbox) Commentary on Spanish Regulatory Sandbox Act)

Revista General de Derecho de los Sectores Regulados, 2020
Number of pages: 21 Posted: 10 Mar 2021
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 126 (468,231)

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Regulatory Sandbox, Innovation Hubs, Fintech, Neutralidad Tecnológica

17.

Notas para una mejor educación financiera (Notes for a Better Financial Education)

REVISTA DE DERECHO DEL MERCADO FINANCIERO Working Paper 1/2019
Number of pages: 6 Posted: 23 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 124 (474,094)

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educación financiera, consumidor financiero, protección del cliente, banca, OCDE; financial education, financial consumer, client protection, banking, OCDE

18.

Sobreendeudamiento y prácticas hipotecarias de las entidades bancarias (Over-Indebtedness and Mortgage Lending)

Revista de Derecho Bancario y Bursátil (Journal of Banking and Securities Law), Vol. 32, No. 129, Pp. 35-76, 2013
Number of pages: 41 Posted: 14 Jul 2016 Last Revised: 29 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 112 (512,095)

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Sobreendeudamiento, Crédito Responsable, Hipotecas, Desahucios, Protección al Cliente

19.

Mis-selling of preferred shares to Spanish retail clients

Journal of International Banking Law and Regulation, Volume 29, Issue 3, 2014, pp. 174-186
Number of pages: 26 Posted: 13 Jul 2016 Last Revised: 29 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 100 (555,929)
Citation 1

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preferred shares, mis-selling, investor protection, financial education, financial crisis.

20.

How to Regulate Digital Financial Platforms: A Research Agenda (¿Cómo regular las plataformas financieras digitales?)

Journal of International Banking Law and Regulation, Issue 3, 2023
Number of pages: 25 Posted: 08 Feb 2024
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 96 (571,117)
Citation 1

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Platformisation of financial services, digital financial platforms, decentralised finance (DeFi), Fintech, MiCA, governance, investor protection, systemic risk, legal certainty

21.
Downloads 92 (586,600)

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MiFID II, ESMA, conocimientos, competencias, cualificación, formación, asesoría en materia de inversión, información, instrumentos financieros, servicios financieros; MiFID II, ESMA, knowledge, competence, qualification, training, investment advice, information, financial instruments, financial serv

22.

The Credit Debt Moratorium by COVID-19 as a Minimum Measure (La Moratoria De Deuda Crediticia Por COVID-19, Una Medida De Mínimos)

Regulacion Financiera, Revista de Derecho del Mercado Financiero, Working Paper 2/2020, April 2020
Number of pages: 8 Posted: 21 Apr 2020
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 90 (594,563)

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Moratorium, Mortgage Debt, Consumer Credit, COVID-19

23.

Financial Exclusion in Spain: Actions and Proposals

Number of pages: 58 Posted: 04 Jun 2023
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 89 (598,612)

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Financial exclusion, cash, payment services, digitisation

24.

Luces Y Sombras De La Transposición De La Directiva De Servicios De Pagos (PSD2) [The Lights and Shadows of the Transposition of the Payment Services Directive (PSD2)]

Destinado a: Revista de Derecho Bancario y Bursátil 159 Julio - Septiembre 2020
Number of pages: 19 Posted: 12 Nov 2020
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 89 (598,612)

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Payment Services, PSD2, Client Protection, Authentication, Data Protection, Civil Liability, Legal Certainty, ADR

25.

Derechos del consumidor de servicios y productos financieros como derechos básicos (Financial Services and Products Consumer's Basic Rights)

Number of pages: 11 Posted: 10 Jul 2015 Last Revised: 29 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 87 (606,997)

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Derechos del consumidor, protección de clientes financieros, servicios financieros básicos; consumers’ rights, financial clients’ protection, basic financial services.

26.

Contrato de depósito de dinero en el Anteproyecto de Código Mercantil (Deposit of money agreement in the Preliminary Draft of the Spanish Commercial Code)

Number of pages: 17 Posted: 14 Jan 2015 Last Revised: 29 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 79 (642,152)

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Depósito de dinero, depósito bancario, Código Mercantil, depósito irregular, contratos financieros; deposit of money, bank deposit, Commercial Code, general deposit, financial contracts.

27.

Improving Qualifications for Financial Advisors in EU: Policy Proposals

Number of pages: 73 Posted: 20 Jun 2023
Charles III University of Madrid - Faculty of Social Sciences and Law, Francisco de Vitoria University, European Financial Planning Association AISBL (EFPA), SDA Bocconi, European Financial Planning Association AISBL (EFPA) and European Financial Planning Association AISBL (EFPA)
Downloads 78 (646,674)

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MiFID II, IDD, ESMA, EIOPA, knowledge, competence, qualification, training, pan-European label, investment advice, information, financial instruments, financial services

28.

El consentimiento informado como objetivo de la protección del inversor (Informed Consent As Objetive of the Investor Protection)

Icade: Revista de las Facultades de Derecho y Ciencias Económicas y Empresariales, ISSN 1889-7045, Nº 68, 2006, págs. 143-158.
Number of pages: 15 Posted: 27 Jul 2016 Last Revised: 29 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 75 (660,718)

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29.

The Financialisation of Insurance Distribution

Number of pages: 19 Posted: 12 May 2022
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 68 (696,174)

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MiFID II, IDD, product governance, customer evaluation (KYC), customer protection, civil liability, legal certainty, insurance-based investment products (IBIPs)

30.

Encuadre sistemático y conceptual de la financiación participativa (Systematic and Conceptual Framework for Crowdfunding Regulation)

Destinado a: Matilde Cuena Casas (dir), Aspectos legales de la financiación en masa o crowdfunding, Titant lo Blanch, Valencia, 2020
Number of pages: 17 Posted: 12 Nov 2020
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 66 (707,029)

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Crowdfunding, Fintech, MiFID, Platform Economy, ESMA

31.

Comentario a la Directiva 2014/49/Ue relativa a los sistemas de garantía de depósitos (Commentary on Directive 2014/49/Eu on Deposit Guarantee Schemes).

Revista General de Derecho Europeo, núm. 38, enero, 2016, págs. 173 - 189.
Number of pages: 15 Posted: 11 Jul 2016 Last Revised: 29 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 63 (723,929)

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sistemas de garantía de depósitos, fondo de garantía de depósitos, resolución bancaria, crisis bancarias, riesgo sistémico, Sistema Europeo de Seguro de Depósitos

32.

Asesoramiento en la Ley de crédito inmobiliario (Advisory Services in Law Regulating Credit Agreements Relating to Residential Immovable Property)

Number of pages: 24 Posted: 28 Jun 2019 Last Revised: 08 Sep 2020
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 59 (747,384)
Citation 1

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Ley de crédito inmobiliario, MiFID II, asesoramiento financiero, asesor financiero, productos financieros; Law regulating real estate credit agreements, MiFID II, advisory services, financial advisor, financial products

33.

Comercialización de participaciones preferentes entre clientela minorista (Distribution of Preferred Shares Among Retail Costumers)

Revista de derecho bancario y bursátil, ISSN 0211-6138, Año nº 32, Nº 130, 2013, págs. 239-271
Number of pages: 33 Posted: 14 Jul 2016 Last Revised: 29 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 58 (753,582)

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participaciones preferentes, comercialización inadecuada, protección al inversor, educación financiera, crisis financiera

34.

Limitaciones a los intereses en el mercado del crédito y tutela del cliente en tiempo de crisis (Limitations on Interests in the Credit Market and Client Protection in Times of Crisis)

CUENA CASAS, M. (coord.) / ALCAÑIZ MIÑANO, V. (coord.) La Prevención del Sobreendeudamiento Privado. Hacia un Préstamo y Consumo Responsables, Ed. Thomson Reuters Aranzadi, 2017, págs. 571-614
Number of pages: 36 Posted: 05 May 2020
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 53 (786,332)

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usura, tipos de interés, mercado de crédito

35.

How to Find a Way out of Sandbox Trap: the Spanish Case

Journal of International Banking Law and Regulation, Nº 8, 2021, Revista de Derecho del Mercado Financiero, Working Paper 2/2021
Number of pages: 26 Posted: 24 Mar 2023
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 52 (793,200)

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Regulatory Sandbox, Innovation Hubs, Innovation Facilitators, Fintech, Technological Neutrality

Financial Ombudsperson Authority: The Missing Piece to Complete the System (Autoridad De Defensa Del Cliente Financiero: La Pieza Que Falta Para Completar El Sistema)

Revista de Derecho del Mercado Financiero, Working Paper 2/2023
Number of pages: 41 Posted: 08 Feb 2024
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 13 (1,230,942)

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Financial Authorities, Alternative Dispute Resolution, ADR, Mediation, Arbitration, Complaints Services, Customer Ombudsperson, ADCF, Financial Education, Financial Inclusion

Autoridad de Defensa del Cliente Financiero: la pieza que falta para completar el Sistema (Financial Ombudsperson Authority: The Missing Piece to Complete the System)

Revista del Derecho del Sistema Financiero, Volumen 6, 2023., Revista de Derecho del Mercado Financiero, Working Paper 2/2023.
Number of pages: 44 Posted: 19 Jan 2024 Last Revised: 26 Jan 2024
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 36 (948,414)

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Autoridades Financieras, Sistema alternativo de resolución de litigios, ADR, Mediación, Arbitraje, Servicios de reclamaciones, Defensor del cliente, ADCF, Educación financiera, Inclusión financiera

37.

Requisitos de conocimientos y competencia (Knowledge and Competence Requirements)

Number of pages: 7 Posted: 18 Jul 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 43 (861,417)

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Formación de los empleados, educación financiera, cualificación, requisitos; Training of employees, financial education, qualification, requirements

38.

Spain's Implementation of PSD2

PSD2 Commentary, Ed. Edward Elgar Publishing, 2020 (Forthcoming), Revista de Derecho del Mercado Financiero, Working Paper 7/2020
Number of pages: 22 Posted: 13 Jan 2021 Last Revised: 11 Apr 2023
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 40 (886,813)

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PSD2, Payment Services, Fintech, Data Protection, Financial Regulation, Client Protection, ADR

39.

El juez político y la contratación financiera en tiempos de crisis (The political judge and the financial contracting in times of crisis)

El Notario del s. XXI, nº 68, julio/agosto 2016
Number of pages: 5 Posted: 23 Aug 2016 Last Revised: 29 May 2019
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 29 (993,680)

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financial crisis, judges, popularism.

40.

Robo-Advice as a Digital Finance Platform (Asesoramiento Financiero Automatizado (Robo-Advice), Nuevo Animal Financiero)

European Company and Financial Law Reviwe, 2022, vol.19, Issue 2, 272-304, Revista de Derecho del Mercado Financiero
Number of pages: 35 Posted: 26 Mar 2024
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 24 (1,050,313)

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41.

Contractual Remedies for Banking Misconduct Under European Regulatory Private Law (Remedios Contractuales Frente a La Mala Conducta Bancaria)

Revista de Derecho del Mercado Financiero, Working Paper 1/2021, Journal of International Banking Law and Regulation, 38, Issue 5, 2023, pp. 162-180.
Number of pages: 50 Posted: 08 Feb 2024 Last Revised: 11 Feb 2024
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 21 (1,087,036)

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Financial services, investment services, investor protection, civil liability, legal certainty, European regulatory private law.

42.

Las criptomonedas como objeto de inversión (Cryptocurrencies as Securities)

El Notario del Siglo XXI, Nº 105, 2022
Posted: 24 Mar 2023 Last Revised: 04 Jun 2023
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law

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Cryptocurrencies, Monetary phenomenon, Financial instrument, DLT

Other Papers (1)

Total Downloads: 2
1.

Remedios Contractuales a La Mala Conducta Bancaria (Contractual Remedies for Banking Misconduct Under European Regulatory Private Law)

Revista de Derecho del Sistema Financiero, Revista de Derecho del Mercado Financiero, Working Paper 1/2021.
Number of pages: 45 Posted: 08 Feb 2024 Last Revised: 15 Feb 2024
Fernando Zunzunegui
Charles III University of Madrid - Faculty of Social Sciences and Law
Downloads 2

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Financial services, investment services, investor protection, civil liability, legal certainty