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Metaverse’s tokens | Expansión
Reyes Palá, member of the Academic Counsel at Gómez-Acebo & Pombo, talks in Expansión about Tokens and the Metaverse.
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Reyes Palá – Academic Counsel
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Sandra Cuesta
Director of Business Development, Marketing and Communications

Sandra Cuesta
Director of Business Development, Marketing and Communications
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Gómez-Acebo & Pombo
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NPC Servicers and Purchasers Bill
The content of the Directive on credit servicers and credit purchasers, only of non-performing credit (NPC), has been transposed into Spanish law more than a year late. The Bill introduces the administrative regime for credit servicers and amends, among others, the Consumer Credit Act and the Real Estate Credit Agreements Act.
PUBLICATION
6 days ago
A first ranking mortgage does not prevent a creditor from accelerating loan maturity due to debtor insolvency
If the creditor has a secured claim (even if the debt is covered by the "value of the security", i.e. the claim is in the money), the debtor cannot avoid the effects of the to-term forfeiture by appealing to the existence of that security because the guarantee referred to in Article 1129(1) of the Civil Code (avoiding to-term forfeiture) must then be another additional guarantee.
PUBLICATION
6 days ago
La existencia de una hipoteca de primer rango no impide que el acreedor pueda declarar el vencimiento anticipado del plazo por insolvencia sobrevenida del deudor
Si el acreedor goza de una garantía real para la seguridad de su crédito (incluso si la deuda está cubierta por el «valor de la garantía», es decir, que el crédito está in the money), el deudor no puede evitar los efectos de la pérdida del plazo apelando a la existencia de aquella garantía real porque la garantía a que se refiere el artículo 1129.1.º del Código Civil (evitadora de la pérdida del plazo) deberá ser entonces otra garantía suplementaria.
PUBLICATION
14 Mar, 2025
A good ruling on financial assistance: collateral given to secure third-party borrowings is not invalid
This latest Supreme Court ruling on the prohibition of financial assistance in the purchase of shares in the assisting company (assisting as ‘borrower for third party debt’) is to be praised, erasing the bad taste left by the reading of the immediate precedent (Supreme Court Judgment of 20 April 2023, Ezentis) which held an agreement to underwrite the value of the shares sold by the company invalid.
PUBLICATION
14 Feb, 2025
Appropriate Dispute Resolution (ADR) in the Public Service of Justice (Efficiency Measures) Act and its effects on limitation periods for civil actions
A few thoughts on Articles 7 through 10 of the Public Service of Justice (Efficiency Measures) Act 1/2025 of 2 January.
PUBLICATION
29 Jan, 2025
Medidas y prórroga de medidas laborales y de seguridad social a la espera de los Presupuestos Generales del Estado
Ante la ausencia de Presupuestos Generales del Estado, se aprueban medidas urgentes que, en el ámbito laboral y de la Seguridad Social, permiten actualizar algunas cuantías y aplicar algunas normas previstas para el 2025.
PUBLICATION
02 Jan, 2025
Retracto arrendaticio en las ventas en bloque de vivienda protegida por parte de la Administración titular (STS 1597/2024, de 28 noviembre)
No es lo mismo a efectos del retracto vender miles de viviendas arrendadas que vender todas las viviendas arrendadas de un edificio.
PUBLICATION
02 Jan, 2025
Tenants’ ex-post right of first refusal in a public authority’s bloc sale of social housing (Supreme Court Judgment no. 1597/2024 of 28 November)
In terms of the (ex-post) right of first refusal, selling thousands of lettings is not the same as selling all lettings in a building.
PUBLICATION
13 Dec, 2024
Invalidity of franchise providing for franchisor price-setting: implications in terms of restitution
The age-old problem of whether Article 1303 or 1306 of the Civil Code applies to contracts in breach of competition law.