Fernando Zunzunegui

Universidad Carlos III de Madrid - Faculty of Social Sciences and Law

Professor

Getafe (Madrid), 28903

Spain

  • Universidad Carlos III de Madrid - Faculty of Social Sciences and Law

SCHOLARLY PAPERS

38

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4

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1

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

  • Universidad Carlos III de Madrid - Faculty of Social Sciences and Law

Scholarly Papers (38)

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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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 908 (45,515)
Citation 2

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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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 532 (91,275)

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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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 355 (146,303)
Citation 1

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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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 274 (192,180)

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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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 191 (270,953)

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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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 164 (309,327)

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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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 164 (309,327)

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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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law and Francisco de Vitoria University
Downloads 137 (358,176)

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

9.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 132 (368,554)
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.

10.

Distribution of preferred shares among retail clients

Number of pages: 29 Posted: 01 Apr 2013 Last Revised: 24 May 2019
Fernando Zunzunegui
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 119 (398,368)
Citation 1

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

11.

Over-Indebtedness and Mortgage Lending

Number of pages: 52 Posted: 01 Apr 2013
Fernando Zunzunegui
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 117 (403,264)
Citation 1

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

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 114 (411,029)

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Crowdfunding, Fintech, MiFID, Platform Economy, ESMA

13.

Dealing on Own Account in Swaps

Number of pages: 26 Posted: 14 Jan 2013
Fernando Zunzunegui
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 114 (411,029)

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

14.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 99 (454,320)
Citation 2

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

15.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 98 (460,500)

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

16.

¿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: 10 Nov 2022
Fernando Zunzunegui
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 96 (463,638)

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

17.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 92 (476,613)
Citation 1

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

18.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 91 (479,875)

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Regulatory Sandbox, Innovation Hubs, Fintech, Neutralidad Tecnológica

19.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 80 (518,993)

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Moratorium, Mortgage Debt, Consumer Credit, COVID-19

20.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 80 (518,993)

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

21.

Evaluación de la implementación en los Estados miembros de la UE de los requisitos de la MiFID II en materia de conocimientos y competencias (Assessment of Implementation in EU Member States of MiFID II Requirements on Knowledge and Competence)

Number of pages: 32 Posted: 30 May 2019
Fernando Zunzunegui and Paloma Corbal
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law and Francisco de Vitoria University
Downloads 79 (522,830)

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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.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 79 (522,830)

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

23.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 74 (542,964)

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

24.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 69 (564,022)

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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.

25.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 64 (586,575)

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26.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 52 (648,016)
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

27.

The Financialisation of Insurance Distribution

Number of pages: 19 Posted: 12 May 2022
Fernando Zunzunegui
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 51 (653,554)

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

28.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 50 (659,121)

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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

29.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 48 (670,748)

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Crowdfunding, Fintech, MiFID, Platform Economy, ESMA

30.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 48 (670,748)

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

31.

Improving Qualifications for Financial Advisors in EU: Policy Proposals

Number of pages: 73 Posted: 20 Jun 2023
Fernando Zunzunegui, Paloma Corbal, Mariola Szymańska, Maria Debora Braga, Patrick Levaldaur and Emanuele Maria Carluccio
Universidad Carlos III de 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 45 (695,399)

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

32.

Financial Exclusion in Spain: Actions and Proposals

Number of pages: 58 Posted: 04 Jun 2023
Fernando Zunzunegui
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 43 (701,667)

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Financial exclusion, cash, payment services, digitisation

33.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 38 (735,693)

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usura, tipos de interés, mercado de crédito

34.

Requisitos de conocimientos y competencia (Knowledge and Competence Requirements)

Number of pages: 7 Posted: 18 Jul 2019
Fernando Zunzunegui
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 34 (764,563)

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

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 28 (811,812)

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

36.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 27 (820,074)

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financial crisis, judges, popularism.

37.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law
Downloads 21 (873,351)

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

38.

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
Universidad Carlos III de Madrid - Faculty of Social Sciences and Law

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Cryptocurrencies, Monetary phenomenon, Financial instrument, DLT