Complex sentence: 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.
Split into simpler sentences: 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.