Treball Final de Grau en Finances i Comptabilitat. Codi: FC1049. Curs acadèmic: 2016/2017This paper analyses from a critical perspective the irregularities committed by financial
institutions in the use of complex techniques to increase liquidity, the commercialization
of toxic financial products, such as preferred participations or multi-currency
mortgages, and the bad faith in the commercialization of loans. Firstly we will define
what we consider as a toxic financial product or toxic behaviour, together with the
definition of each instrument; followed by the commercialization and the consequences
on the surroundings; finally, we focus on preventive measures from the institutional
bodies that are regulating the situation. This leads to conclusions that help us to
understand the wave of lawsuits filed by retail clients requesting the nullity due to a lack
of consent in these contracts, based on the lack of information to the customer and the
repeated failure to comply with MIFID regulations of financial institutions
