Specialty: Banking Law

AI specialized in Spanish Banking Law

300+ Supreme Court and CJEU banking judgments. Detect unfair clauses, calculate revolving card usury and generate briefs with verified legal grounds.

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300+

TS banking judgments

99,3%

Verified accuracy · 144/145 questions

TJUE

Integrated CJEU case law

Everything a banking lawyer needs

Unfair mortgage clauses (floor, IRPH, expenses)

Lexiel detects and grounds the nullity of floor clauses, IRPH, mortgage expenses (notary, registry, appraisal, AJD) and early termination with Supreme Court and CJEU doctrine.

Revolving cards (Usury Act)

Calculates the real APR, compares with market average rates and determines if the 1908 Usury Act applies according to STS 149/2020 and subsequent doctrine.

Illegal banking fees

Identifies overdraft fees, debt position claims and account maintenance without effective service that violate Bank of Spain regulations.

Swaps and complex financial products

Analyzes interest rate swaps, preferred shares, subordinated debt and linked insurance. Grounds nullity based on consent defects and lack of information.

Mortgage enforcement & opposition

Generates opposition briefs against mortgage enforcement for unfair clauses (art. 695 LEC) with verified citations to Directive 93/13 and CJEU case law.

Bank of Spain complaints

Prepares prior complaints to Customer Service and the Bank of Spain as a procedural requirement, grounded in Circulars and EHA Orders.

Real banking lawyer queries

This revolving card has a 26.82% APR. Does it exceed the usury threshold under STS 149/2020 and Supreme Court doctrine on market average rates?

My client wants to claim mortgage expenses (notary, registry, appraisal and AJD). Which items are recoverable under current Supreme Court case law?

I need an opposition brief against mortgage enforcement based on the unfairness of the early termination clause under CJEU and STS 463/2019

Verified legal sources

RDL 1/2007: LGDCU (Consumidores y Usuarios)

Ley de Usura 1908 (Ley Azcárate)

Directiva 93/13/CEE: Cláusulas abusivas

Jurisprudencia TS y TJUE (300+ sentencias)

Ley 5/2019: LCCI (Crédito Inmobiliario)

Circulares Banco de España

Case LawSupreme Court Case Law on Unfair Contract Terms 2025: Key RulingsSummary of the most relevant Supreme Court and CJEU rulings on unfair contract terms in 2025. IRPH, early termination, default interest, and floor clauses.Practical GuidesUnfair Banking Clauses in Spain: Floor Clauses, IRPH, Mortgage Expenses & How to ClaimComplete guide to unfair clauses in Spanish banking contracts: floor clauses (STS 9/5/2013), IRPH, mortgage expenses, opening fees, early termination, default interest. CJEU and Supreme Court case law. Limitation periods and claims procedure.LegalAval Bancario y Garantía a Primer Requerimiento en España: Tipos, Ejecución y Excepciones 2026Guía sobre el aval bancario (fianza regulada en CC arts. 1822 ss.) y las garantías autónomas a primer requerimiento: diferencias clave, ejecución por el beneficiario, excepciones externas e internas, jurisprudencia del TS y excepción de abuso manifiesto.Practical GuidesFloor Clauses: How to Claim Against Your Bank and Recover OverpaymentsComplete guide to floor clauses: what they are, Supreme Court doctrine (STS 9/5/2013), full retroactivity (CJEU C-154/15), claims procedure, and calculation of amounts.

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