WASHINGTON, DC \u2013 Los senadores Jeff Merkley (D-OR), Sherrod Brown (D-OH), miembro de mayor rango del Comit\u00e9 Bancario del Senado, Jack Reed (D-RI), miembro de mayor rango del Comit\u00e9 de Servicios Armados del Senado, y Chris Van Hollen (D-MD), present\u00f3 hoy una legislaci\u00f3n que extiende las protecciones de la Ley de Pr\u00e9stamos Militares (MLA), que limita la tasa de inter\u00e9s de los pr\u00e9stamos al consumo a 36%, para cubrir a los veteranos y otros consumidores.<\/p>\n
En 2006, el Congreso aprob\u00f3 la MLA para frenar a los prestamistas abusivos y otros proveedores de productos crediticios que utilizaban pr\u00e1cticas crediticias abusivas para atacar y atraer a las tropas estadounidenses hacia v\u00f3rtices de deuda. Sin embargo, la legislaci\u00f3n dej\u00f3 a los veteranos, las familias Gold Star y otros estadounidenses vulnerables a esas pr\u00e1cticas y productos crediticios.<\/p>\n
\n\u201cLas pr\u00e1cticas predatorias de d\u00eda de pago que atrapan a miembros del servicio militar, veteranos, familias Gold Star o cualquier familia estadounidense trabajadora en pr\u00e9stamos con intereses altos deber\u00edan ser ilegales\u201d. dijo Merkley.<\/b> \u201cLa Ley de Pr\u00e9stamos Militares marc\u00f3 una enorme diferencia para los miembros militares en servicio activo, y es hora de extender las mismas protecciones a los veteranos y otros consumidores. Es hora de anteponer los intereses de los trabajadores estadounidenses a las ganancias de los prestamistas abusivos\u201d.<\/p>\n
\u201cNuestros veteranos y sus familias merecen algo mejor. <\/i>No podemos permitir que pr\u00e9stamos predatorios y de alto costo atrapen a los veteranos y a las familias sobrevivientes en ciclos de deuda\u201d. dijo Brown.<\/b> "Este proyecto de ley protege a los veteranos y a los consumidores al restablecer un l\u00edmite simple y de sentido com\u00fan a las tasas de inter\u00e9s de los pr\u00e9stamos y evita lagunas jur\u00eddicas y tarifas ocultas predatorias".<\/b><\/p>\n
\u201cLa Ley de Pr\u00e9stamos Militares ha sido un raro \u00e9xito bipartidista, y los prestamistas predatorios no deber\u00edan tener m\u00e1s objetivos solo porque los miembros del servicio y sus familias se jubilan, se separan del servicio honorable o pierden a sus seres queridos\u201d. dijo ca\u00f1a.<\/b> \u201cLa Ley de Cr\u00e9dito Justo para Veteranos y Consumidores no s\u00f3lo restablece estas protecciones de la Ley de Pr\u00e9stamos Militares para los veteranos y las familias Gold Star, sino que tambi\u00e9n garantiza que todos los estadounidenses ya no est\u00e9n en peligro de caer en trampas de deuda. Me complace unirme a mis colegas, los senadores Merkley y Brown, para presentar la Ley de Cr\u00e9dito Justo para Veteranos y Consumidores, y estoy orgulloso de apoyar a todas las organizaciones de consumidores, veteranos, militares y de derechos civiles que apoyan nuestra legislaci\u00f3n\u201d. <\/p>\n
\u201cLas pr\u00e1cticas crediticias predatorias que apuntan a aprovecharse de los consumidores de nuestra naci\u00f3n, incluido el ataque a los hombres y mujeres que han luchado y sacrificado tanto por nuestro pa\u00eds, son vergonzosas. Esta legislaci\u00f3n ayudar\u00e1 a prevenir esas pr\u00e1cticas, aprovechando el \u00e9xito de la Ley de Pr\u00e9stamos Militares. Insto al Senado a avanzar con este proyecto de ley de sentido com\u00fan para proteger a los veteranos y a todos los consumidores de inmediato\u201d. dijo Van Hollen.<\/b><\/p>\n<\/blockquote>\n
Bajo la Ley de Cr\u00e9dito Justo para Veteranos y Consumidores<\/i>, el l\u00edmite de tasa de inter\u00e9s 36% de la Ley de Pr\u00e9stamos Militares para la mayor\u00eda de los pr\u00e9stamos al consumo y sus reglas actuales se extender\u00edan a todos los consumidores, incluidos los veteranos y las familias Gold Star. El Ley de Cr\u00e9dito Justo para Veteranos y Consumidores<\/i> tambi\u00e9n confirma la autoridad de la CFPB para realizar ex\u00e1menes de supervisi\u00f3n para garantizar que los prestamistas cumplan con el l\u00edmite de APR del 36 por ciento de la MLA para miembros del servicio, veteranos y todos los estadounidenses.<\/p>\n
La legislaci\u00f3n ha sido respaldada por una amplia variedad de consumidores, derechos civiles, veteranos, organizaciones de miembros del servicio y defensores, entre ellos: la Asociaci\u00f3n Nacional de Familias Militares; Veteranos de Am\u00e9rica de Irak y Afganist\u00e1n; \u00c9xito de la educaci\u00f3n de los veteranos; Progreso Aliado, Estadounidenses por la Reforma Financiera; Centro de Pr\u00e9stamos Responsables; Acci\u00f3n del Consumidor; Federaci\u00f3n de Consumidores de Am\u00e9rica; La Conferencia de Liderazgo sobre Derechos Civiles y Humanos; NAACP; Centro Nacional de Derecho del Consumidor (en nombre de sus clientes de bajos ingresos); Prosperidad ahora; UnidosUS; y Hollister Petraeus y el coronel Paul E. Kantwill, EE. UU. (Retirado), ex subdirectores de la Oficina de Protecci\u00f3n Financiera del Consumidor, Oficina de Asuntos de Miembros del Servicio.<\/p>\n
\n\u201cDebemos aplaudir al senador Merkley y a los dem\u00e1s copatrocinadores de esta importante legislaci\u00f3n por sus esfuerzos para proteger a los trabajadores estadounidenses\u201d. dijo Christopher Peterson, director de servicios financieros y miembro principal de la Federaci\u00f3n de Consumidores de Estados Unidos. <\/b>\u201cLos pr\u00e9stamos predatorios son inmorales, inaceptables y las salvaguardias federales que limitan los intereses extremos hace tiempo que deber\u00edan haberse adoptado\u201d.<\/p>\n<\/blockquote>\n
El texto completo del proyecto de ley est\u00e1 disponible aqu\u00ed<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"WASHINGTON, DC – Senators Jeff Merkley (D-OR), Sherrod Brown (D-OH), Ranking Member of the Senate Banking Committee, Jack Reed (D-RI), Ranking Member of the Senate Armed Services Committee, and Chris Van Hollen (D-MD), today introduced legislation that extends the protections of the Military Lending Act (MLA), which caps the interest rate on consumer loans at […]<\/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-3821","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"\n
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