WASHINGTON, DC \u2013 El senador de Oreg\u00f3n Jeff Merkley, junto con el l\u00edder dem\u00f3crata del Senado Dick Durbin (D-IL) y el principal dem\u00f3crata del Comit\u00e9 Bancario Sherrod Brown (D-OH), encabezaron hoy un grupo de 47 senadores que se oponen a la Oficina de Protecci\u00f3n Financiera del Consumidor (CFPB ) nuevo intento bajo el liderazgo de Trump de desmantelar su propia regla de protecci\u00f3n del d\u00eda de pago.<\/p>\n
Al impulso de hoy se unieron todos los miembros del grupo dem\u00f3crata del Senado.<\/p>\n
\n\u201cDerogar esta regla da luz verde a la industria de pr\u00e9stamos de d\u00eda de pago para aprovecharse de los consumidores estadounidenses vulnerables\u201d, escribieron los senadores en una carta a la directora del CFPB nombrada por Trump, Kathy Kraninger. "Al redactar estos cambios devastadores a la Regla del D\u00eda de Pago, la CFPB est\u00e1 ignorando uno de los principios m\u00e1s fundamentales de la financiaci\u00f3n al consumo: a una persona no se le debe ofrecer un pr\u00e9stamo predatorio que no pueda pagar".<\/p>\n<\/blockquote>\n
Los pr\u00e9stamos de d\u00eda de pago a menudo tienen tasas de inter\u00e9s de 300% o m\u00e1s y atrapan a los consumidores en un ciclo de deuda. La propia investigaci\u00f3n de la CFPB encontr\u00f3 que cuatro de cada cinco consumidores de d\u00eda de pago incumplen o renuevan su pr\u00e9stamo porque no pueden pagar los altos intereses y tarifas que cobran los prestamistas de d\u00eda de pago.<\/p>\n
\nLa norma anterior de protecci\u00f3n del d\u00eda de pago de la CFPB, que quedar\u00eda destrozada por esta nueva acci\u00f3n, se finaliz\u00f3 en octubre de 2017 despu\u00e9s de a\u00f1os de investigaci\u00f3n, audiencias de campo y aportes del p\u00fablico. \u201cLa CFPB no ha puesto a disposici\u00f3n del p\u00fablico investigaciones similares, audiencias de campo o investigaciones, si existen, para explicar su decisi\u00f3n de derogar elementos cruciales de la regla\u201d, escribieron hoy los senadores. \u201cLa ausencia de dicha investigaci\u00f3n no s\u00f3lo implicar\u00eda negligencia por parte del Director del CFPB, sino que tambi\u00e9n podr\u00eda constituir una violaci\u00f3n de la Ley de Procedimiento Administrativo\u201d.<\/p>\n<\/blockquote>\n
En respuesta, los Senadores solicitaron al CFPB hacer p\u00fablica la siguiente informaci\u00f3n a m\u00e1s tardar 30 d\u00edas a partir de hoy:<\/p>\n
\n
- \n
Cualquier investigaci\u00f3n realizada sobre el impacto en los prestatarios de derogar estos requisitos para pr\u00e9stamos de d\u00eda de pago;<\/p>\n<\/li>\n
- \n
Cualquier audiencia de campo o investigaci\u00f3n realizada por la Oficina despu\u00e9s de que se finalizara la regla con respecto al impacto de derogar estos requisitos para pr\u00e9stamos de d\u00eda de pago;<\/p>\n<\/li>\n
- \n
Cualquier comentario p\u00fablico o informal enviado a la CFPB desde que se finaliz\u00f3 la regla con respecto a estas disposiciones de la Regla del D\u00eda de Pago; y<\/p>\n<\/li>\n
- \n
Cualquier an\u00e1lisis econ\u00f3mico o jur\u00eddico realizado o enviado a la CFPB en relaci\u00f3n con la derogaci\u00f3n de estos requisitos para los pr\u00e9stamos personales.<\/p>\n<\/li>\n<\/ol>\n
El texto completo de la carta est\u00e1 disponible. <\/a>aqu\u00ed<\/a> y sigue a continuaci\u00f3n.<\/p>","protected":false},"excerpt":{"rendered":"
WASHINGTON, D.C. – Oregon’s Senator Jeff Merkley, along with Senate Democratic Whip Dick Durbin (D-IL) and top Banking Committee Democrat Sherrod Brown (D-OH), today led a group of 47 Senators in opposing the Consumer Financial Protection Bureau’s (CFPB) new attempt under Trump leadership to gut its own payday protection rule. Today’s push was joined by […]<\/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-4322","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"\n
Merkley, Durbin, and Brown Lead Senate Democrats in Opposition to Trump CFPB\u2019s Payday Predator Protection Plan - 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-durbin-and-brown-lead-senate-democrats-in-opposition-to-trump-cfpbs-payday-predator-protection-plan\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley, Durbin, and Brown Lead Senate Democrats in Opposition to Trump CFPB\u2019s Payday Predator Protection Plan - Merkley\" \/>\n<meta property=\"og:description\" content=\"WASHINGTON, D.C. – Oregon’s Senator Jeff Merkley, along with Senate Democratic Whip Dick Durbin (D-IL) and top Banking Committee Democrat Sherrod Brown (D-OH), today led a group of 47 Senators in opposing the Consumer Financial Protection Bureau’s (CFPB) new attempt under Trump leadership to gut its own payday protection rule. 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