Floor Clauses (Cláusulas Suelo): Invalidity and Claim Procedure Spain 2026
Current state of floor clause claims in Spain 2026: CJEU doctrine, 2015 Spanish Supreme Court plenary judgment, full retroactivity, statute of limitations and how to start a claim.
# Floor Clauses (Cláusulas Suelo): Current Status 2026
Floor clauses set a minimum interest rate floor in variable-rate Spanish mortgages. The Supreme Court judgment of 9 May 2013 declared them void for lack of transparency. The CJEU ruling of 21 December 2016 (C-154/15) overturned the temporal limitation and established full retroactivity, banks must repay all amounts collected under the void clause from the contract's start.
Current debate: prescription of the restitution claim (5-year Art. 1964 CC period, computed from when the consumer became aware of the nullity per CJEU C-484/21 et al., April 2024).
Claims remain viable in 2026. Next frontier: IRPH mortgage rate challenges.
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