Los cheques, que se hace creer a los consumidores que son reembolsos de su banco u otra instituci\u00f3n financiera confiable, han puesto a innumerables estadounidenses desprevenidos en el camino hacia la ruina financiera. La legislaci\u00f3n tambi\u00e9n garantizar\u00eda que los consumidores no sean responsables de las deudas contra\u00eddas por pr\u00e9stamos de cheques "vivos" ilegales y no solicitados.<\/p>\n
\n"Familias de todo el pa\u00eds han sido v\u00edctimas de estafas en las que creen que est\u00e1n recibiendo un golpe de suerte o un reembolso de su banco y, en cambio, son atra\u00eddas a un pr\u00e9stamo con intereses altos que nunca solicitaron". dijo el senador Merkley<\/b>. "Deber\u00eda ser ilegal enga\u00f1ar a clientes desprevenidos para que les concedan pr\u00e9stamos que no quieren, y por eso insto a mis colegas a que adopten una postura a favor de la justicia y la transparencia del consumidor aprobando la Ley de pr\u00e9stamos no solicitados<\/i>.\u201d<\/p>\n
"Necesitamos seguir defendiendo a las familias trabajadoras y asegurarnos de contar con protecciones para prevenir estas t\u00e1cticas depredadoras". dijo el Senador Jones, miembro del Comit\u00e9 Senatorial de Banca, Vivienda y Asuntos Urbanos. <\/b>\u201cMuchas personas honestas no son conscientes de que al depositar estos cheques en realidad est\u00e1n tomando un pr\u00e9stamo con intereses altos. El Congreso debe actuar ahora y aprobar esta legislaci\u00f3n de sentido com\u00fan para proteger a los consumidores de esta estafa predatoria\u201d.<\/p>\n
\u201cLa gente deber\u00eda entender exactamente en qu\u00e9 se mete al endeudarse. Pero muchas personas no entienden que los cheques "vivos" enviados directamente a los consumidores no son m\u00e1s que pr\u00e9stamos disfrazados con intereses altos. El Congreso puso fin a las tarjetas de cr\u00e9dito 'vivas' hace d\u00e9cadas, es hora de hacer lo mismo con los cheques 'vivos'\u201d. dijo el senador algod\u00f3n<\/b>.<\/p>\n<\/blockquote>\n
Hace casi 50 a\u00f1os, el Congreso prohibi\u00f3 la pr\u00e1ctica de enviar por correo tarjetas de cr\u00e9dito "vivas", defendiendo la opini\u00f3n reconocida desde hace mucho tiempo de que los pr\u00e9stamos al consumo deber\u00edan requerir una solicitud por parte del cliente. La legislaci\u00f3n de los senadores ampliar\u00eda las protecciones existentes al consumidor para incluir el env\u00edo por correo de cheques "vivos" que enga\u00f1an a los consumidores para que tomen pr\u00e9stamos con intereses altos, sin limitar el acceso al cr\u00e9dito para aquellos que voluntariamente solicitan y buscan productos crediticios. Adem\u00e1s, el proyecto de ley tambi\u00e9n garantizar\u00eda que las empresas no puedan pasar del env\u00edo de cheques "en vivo" a otras formas de transferencia, como una tarjeta de regalo o un "cheque electr\u00f3nico".<\/p>\n
Esta legislaci\u00f3n ha sido respaldada por el Centro Nacional de Derecho del Consumidor en nombre de sus clientes de bajos ingresos.<\/p>\n
El texto completo de la Ley de pr\u00e9stamos no solicitados<\/i> est\u00e1 disponible aqu\u00ed<\/a>.<\/p>\n <\/p>","protected":false},"excerpt":{"rendered":"
WASHINGTON, DC – Oregon’s Senator Jeff Merkley joined Senators Doug Jones (D-AL) and Tom Cotton (R-AR) today to announce the introduction of the bipartisan Unsolicited Loan Act, legislation that would mirror an existing ban on mailing ‘live’ credit cards by halting the predatory practice of mailing ‘live’ checks that are actually hidden high-interest loans. The checks, […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[24],"tags":[47],"class_list":["post-3760","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"\n
Merkley, Cotton, Jones Introduce Bipartisan Legislation to Stop Predatory Unsolicited Loans - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/merkley-cotton-jones-introduce-bipartisan-legislation-to-stop-predatory-unsolicited-loans-2019\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley, Cotton, Jones Introduce Bipartisan Legislation to Stop Predatory Unsolicited Loans - Merkley\" \/>\n<meta property=\"og:description\" content=\"WASHINGTON, DC – Oregon’s Senator Jeff Merkley joined Senators Doug Jones (D-AL) and Tom Cotton (R-AR) today to announce the introduction of the bipartisan Unsolicited Loan Act, legislation that would mirror an existing ban on mailing ‘live’ credit cards by halting the predatory practice of mailing ‘live’ checks that are actually hidden high-interest loans. 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