Dois dos temas mais atuais e interessantes do estudo da jurisdição constitucional são abordados na obra que o leitor ora tem em mãos: mutação constitucional via decisões aditivassérie idp. O interesse pelos temas justifica-se, pois sua compreensão ocorreu na medida em que foi consolidado o paradigma pós-positivo do direito, que possibilitou o desenvolvimento de técnicas jurídicas de modificação da constituição por processos informais, especialmente pela interpretação dos tribunais.

Bajo el nombre de Los mercados financieros ante la disrupción de las nuevas tecnologías digitales, la Universidad Externado de Colombia y el Departamento de Derecho Financiero y Bursátil de la misma casa de estudios presentan ante la comunidad académica una obra sin par en el concierto nacional, que recoge casi una veintena de trabajos que tienen como común denominador ocuparse de diversos tópicos tradicionales de los mercados financieros, mirados ahora a partir del prisma de las nuevas tecnologías digitales. De esta manera el libro que usted, amigo lector, tiene en sus manos, lo paseará desde las interesantes facetas del asesoramiento financiero, ahora desde la visión del llamado robo advice, hasta lo relacionado con la naturaleza jurídica de los criptoactivos y la función de la blockchain en la compensación y liquidación de los mercado de valores, pasando por las características y problemáticas de los denominados "neobancos" y de los eco-sistemas de pago digitales, para solo mencionar algunos de los principales temas tratados. Esta breve descripción del enfoque y de los temas que fueron tratados por los distintos autores a lo largo de la obra muestran su riqueza y su valor doctrinario para los distintos interesados en el ecosistema FinTech. El abanico de temas tratados en el presente libro pretende dar al lector un material de consulta que le permita comprender de manera reflexiva y profunda las distintas manifestaciones de esta revolución disruptiva en los mercados financieros, para luego aplicar las lecciones en un ámbito académico o profesional.

Tras la celebración de la octava edición del VIII Curso Especial en Derecho del Mercado Financiero y Fintech en el Ilustre Colegio de Abogados de Madrid, la obra recoge las aportaciones de los ponentes, aportando una visión completa, actual y rigurosa de la regulación financiera.NOVEDADESLa obra incluye las novedades incorporadas en el Curso Especial en Derecho del Mercado Financiero, especialmente en materia Fintech.CARACTERÍSTICASLa obra recoge las valiosas aportaciones de los ponentes expertos en regulación financiera participantes en el VIII Curso Especial en Derecho del Mercado Financiero y Fintech celebrado el Ilustre Colegio de Abogados de Madrid.

This article analyzes the over-indebtedness caused by irresponsible mortgage lending by credit institutions in Spain that have been exacerbated by the economic crisis, the falling value of the real estate market and rising unemployment. This creates the risk of social and financial exclusion of those who can't afford to pay their mortgages.It is a multidisciplinary approach of the mortgage system that includes the customer's perspective involving the banking sector as well as the Bank of Spain in the solution to evictions. The paper suggests preventive and palliative measures that attempt to restore confidence in the banking system, strengthen the solvency of banks while enhancing the client protection.

La versión española de este artículo se puede encontrar en: http://ssrn.com/abstract=4040930.This paper addresses a research agenda of the regulatory challenges of digital financial platforms. After approaching the nature of digital financial platforms, the decentralized finances that arise with distributed ledger technologies are analyzed. These are phenomena that converge towards business models with a tendency towards concentration that generate risks for the stability of the financial system and user's protection. In order to respond to these regulatory challenges, an improvement in the governance of financial platforms is proposed, combining the traditional rules of good governance with the internal governance of business models based on distributed ledger technologies. It is also proposed to take advantage of the platform regime on open banking, crowdfunding and crypto assets to formulate global standards that facilitate the regulation of digital financial platforms. In turn, regulatory sandbox facilitates the learning of regulators and the legal colonization of financial platforms.

The financial crisis has highlighted the opportunistic conduct of some banks, which have taken advantage of the trust relationship with their clients to place them unsuitable products. In Spain, the distribution of preferred shares among retail clients has created a problem of enormous proportions. Preferred shares are a high-risk complex financial instrument, with which you can lose all the capital invested. Despite its complexity and risk were offered by credit institutions, mainly savings banks, as an alternative to time deposits, without reporting risks.This article identifies the problem of indiscriminate distribution of preferred shares among retail clients of credit institutions. After identifying the problem, its review the legal framework applicable to the sale of preferred shares, to propose changes to improve investor protection. To end with mitigation measures that could be applied to give a fair and equitable treatment to most affected clients.