{"id":4391,"date":"2018-12-11T15:04:00","date_gmt":"2018-12-11T20:04:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/"},"modified":"2023-07-24T11:08:03","modified_gmt":"2023-07-24T15:08:03","slug":"merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/","title":{"rendered":"Merkley presenta proyecto de ley bipartidista para detener los pr\u00e9stamos no solicitados abusivos"},"content":{"rendered":"

Washington, DC \u2013 El Senador de Oreg\u00f3n Jeff Merkley, junto con los Senadores Doug Jones (D-AL) y Tom Cotton (R-AR), anunciaron hoy la introducci\u00f3n de una legislaci\u00f3n bipartidista que detendr\u00eda la pr\u00e1ctica depredadora de enviar por correo pr\u00e9stamos de alto inter\u00e9s a los consumidores en la forma de cheques "en vivo". Cuando los consumidores reciben estos cheques de pr\u00e9stamo, muchos sin saberlo creen que han recibido dinero de su banco o instituci\u00f3n financiera, sin darse cuenta de que el cheque es a menudo un pr\u00e9stamo de alto inter\u00e9s.<\/p>\n

El Ley de pr\u00e9stamos no solicitados de 2018<\/i> prohibir\u00eda esta pr\u00e1ctica y garantizar\u00eda que los consumidores accedan a los pr\u00e9stamos solo cuando los soliciten de manera proactiva. Esta legislaci\u00f3n refleja la prohibici\u00f3n de hace d\u00e9cadas sobre el env\u00edo de tarjetas de cr\u00e9dito vivas.<\/p>\n

\n

\u201cCuando recibe un cheque por correo, es natural suponer que depositarlo ayudar\u00e1, no da\u00f1ar\u00e1, sus resultados. Pero estos cheques no llenan los bolsillos de los consumidores; en cambio, los env\u00edan a un v\u00f3rtice de deuda. La pr\u00e1ctica de enviar por correo pr\u00e9stamos con intereses altos disfrazados de cheques es desmedida y claramente depredadora. Hoy enviamos un mensaje bipartidista de que esta pr\u00e1ctica inaceptable debe terminar\u201d. dijo el senador Merkley<\/b>.<\/p>\n

\u201cA medida que los estadounidenses que trabajan buscan llegar a fin de mes, los prestamistas a menudo se dirigen a las familias con problemas de liquidez con estos correos. Es inconcebible que alguien se aproveche de la terrible situaci\u00f3n financiera de otra persona para ganar dinero r\u00e1pido. Necesitamos poner fin a esta t\u00e1ctica de pr\u00e9stamos abusivos y aprobar esta legislaci\u00f3n para proteger a los consumidores y sus bolsillos\u201d, dijo el senador Jones.<\/b><\/p>\n

\u201cLa gente debe entender claramente cu\u00e1ndo se est\u00e1n endeudando. Pero debido a que los cheques 'vivos' enviados por correo directamente a los consumidores no requieren una solicitud ni ninguna relaci\u00f3n previa con el consumidor, muchas personas no se dan cuenta de que estos cheques son en realidad pr\u00e9stamos con intereses altos hasta que es demasiado tarde. As\u00ed como el Congreso puso fin a la pr\u00e1ctica de enviar por correo tarjetas de cr\u00e9dito 'vivas' hace casi 50 a\u00f1os, el Congreso deber\u00eda aprobar nuestro proyecto de ley ahora para detener esta pr\u00e1ctica encubierta\u201d. dijo el senador algod\u00f3n<\/b>.<\/p>\n<\/blockquote>\n

Antecedentes de la Ley de Pr\u00e9stamos No Solicitados de 2018<\/span><\/p>\n

Hace tiempo que el Congreso reconoce que los pr\u00e9stamos de consumo deben requerir una solicitud por parte del cliente. De hecho, el Congreso prohibi\u00f3 el env\u00edo de tarjetas de cr\u00e9dito activas no solicitadas hace casi 50 a\u00f1os. En los pr\u00e9stamos modernos, una solicitud de pr\u00e9stamo formal a menudo puede tomar solo unos minutos, y el proyecto de ley no proh\u00edbe la comercializaci\u00f3n directa o el env\u00edo por correo de una solicitud de pr\u00e9stamo. Esta legislaci\u00f3n proporcionar\u00eda protecciones al consumidor de sentido com\u00fan sin limitar el acceso al cr\u00e9dito para los consumidores que voluntariamente solicitan y buscan productos de pr\u00e9stamo.<\/p>\n

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". Adem\u00e1s, garantizar\u00eda que los clientes no sean responsables de las deudas contra\u00eddas por un pr\u00e9stamo de cheque vivo ilegal y no solicitado.  <\/p>\n

El Centro Nacional de Derecho del Consumidor ha respaldado esta legislaci\u00f3n en nombre de sus clientes de bajos ingresos.<\/p>\n

 <\/p>","protected":false},"excerpt":{"rendered":"

Washington, D.C. – Oregon’s Senator Jeff Merkley, along with Senators Doug Jones (D-AL) and Tom Cotton (R-AR), today announced the introduction of bipartisan legislation that would halt the predatory practice of mailing high-interest loans to consumers in the form of “live” checks. When consumers receive these loan checks, many unknowingly believe they have received money […]<\/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":[43,47],"class_list":["post-4391","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-bipartisan-actions","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"\nMerkley Introduces Bipartisan Bill 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-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley Introduces Bipartisan Bill to Stop Predatory Unsolicited Loans - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, D.C. – Oregon’s Senator Jeff Merkley, along with Senators Doug Jones (D-AL) and Tom Cotton (R-AR), today announced the introduction of bipartisan legislation that would halt the predatory practice of mailing high-interest loans to consumers in the form of “live” checks. When consumers receive these loan checks, many unknowingly believe they have received money […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2018-12-11T20:04:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:08:03+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Merkley Introduces Bipartisan Bill to Stop Predatory Unsolicited Loans\",\"datePublished\":\"2018-12-11T20:04:00+00:00\",\"dateModified\":\"2023-07-24T15:08:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/\"},\"wordCount\":499,\"keywords\":[\"Bipartisan Actions\",\"Protecting Consumers, Taxpayers, and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/\",\"name\":\"Merkley Introduces Bipartisan Bill to Stop Predatory Unsolicited Loans - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2018-12-11T20:04:00+00:00\",\"dateModified\":\"2023-07-24T15:08:03+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Merkley Introduces Bipartisan Bill to Stop Predatory Unsolicited Loans\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\",\"url\":\"https:\/\/www.merkley.senate.gov\/\",\"name\":\"Merkley\",\"description\":\"Merkley\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.merkley.senate.gov\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-MX\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\/\/www.merkley.senate.gov\/es\/author\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Merkley Introduces Bipartisan Bill to Stop Predatory Unsolicited Loans - Merkley","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/","og_locale":"es_MX","og_type":"article","og_title":"Merkley Introduces Bipartisan Bill to Stop Predatory Unsolicited Loans - Merkley","og_description":"Washington, D.C. – Oregon’s Senator Jeff Merkley, along with Senators Doug Jones (D-AL) and Tom Cotton (R-AR), today announced the introduction of bipartisan legislation that would halt the predatory practice of mailing high-interest loans to consumers in the form of “live” checks. When consumers receive these loan checks, many unknowingly believe they have received money […]","og_url":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/","og_site_name":"Merkley","article_published_time":"2018-12-11T20:04:00+00:00","article_modified_time":"2023-07-24T15:08:03+00:00","twitter_card":"summary_large_image","twitter_misc":{"Written by":"","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/#article","isPartOf":{"@id":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/"},"author":{"name":"","@id":""},"headline":"Merkley Introduces Bipartisan Bill to Stop Predatory Unsolicited Loans","datePublished":"2018-12-11T20:04:00+00:00","dateModified":"2023-07-24T15:08:03+00:00","mainEntityOfPage":{"@id":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/"},"wordCount":499,"keywords":["Bipartisan Actions","Protecting Consumers, Taxpayers, and the Economy"],"articleSection":["Press Releases"],"inLanguage":"es-MX"},{"@type":"WebPage","@id":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/","url":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/","name":"Merkley Introduces Bipartisan Bill to Stop Predatory Unsolicited Loans - Merkley","isPartOf":{"@id":"https:\/\/www.merkley.senate.gov\/#website"},"datePublished":"2018-12-11T20:04:00+00:00","dateModified":"2023-07-24T15:08:03+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/#breadcrumb"},"inLanguage":"es-MX","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bipartisan-bill-to-stop-predatory-unsolicited-loans\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.merkley.senate.gov\/"},{"@type":"ListItem","position":2,"name":"Merkley Introduces Bipartisan Bill to Stop Predatory Unsolicited Loans"}]},{"@type":"WebSite","@id":"https:\/\/www.merkley.senate.gov\/#website","url":"https:\/\/www.merkley.senate.gov\/","name":"merkley","description":"merkley","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.merkley.senate.gov\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es-MX"},{"@type":"Person","@id":"","url":"https:\/\/www.merkley.senate.gov\/es\/author\/"}]}},"_links":{"self":[{"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/posts\/4391","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/comments?post=4391"}],"version-history":[{"count":1,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/posts\/4391\/revisions"}],"predecessor-version":[{"id":13767,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/posts\/4391\/revisions\/13767"}],"wp:attachment":[{"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/media?parent=4391"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/categories?post=4391"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/tags?post=4391"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}