ɪn spˈeɪn, ðə ɹˈɛɡjʊlətˌoːɹi ɐθˈɔːɹɪɾi bˈæŋkoʊ də ɛspˈɑːnjə hɐz ˈɪʃuːd ænd ɛnfˈoːɹst sˌʌm ɡˈʊd pɹˈæktɪsᵻz, sˈʌtʃ ɐz klˈɪɹli ˈædvɚtˌaɪzɪŋ ðɪ ˈænjuːəl pɚsˈɛntɪdʒ ɹˈeɪt ænd stˈeɪɾɪŋ hˌaʊ ænd wɛn pˈeɪmənts tʃˈeɪndʒ ɪn vˈɛɹɪəbəl ɹˈeɪt mˈɔːɹɡɪdʒᵻz.
In Spain, the regulatory authority (Banco de España) has issued and enforced some good practices, such as clearly advertising the Annual Percentage Rate and stating how and when payments change in variable rate mortgages.