{"id":4858,"date":"2017-09-20T11:23:00","date_gmt":"2017-09-20T15:23:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/"},"modified":"2023-07-24T11:08:41","modified_gmt":"2023-07-24T15:08:41","slug":"durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/","title":{"rendered":"DURBIN, MERKLEY, CARTWRIGHT, COHEN PRESENTAN PROYECTO DE LEY BICAMERAL PARA ACABAR CON LAS PR\u00c1CTICAS PREDATORIAS DE PR\u00c9STAMOS"},"content":{"rendered":"

WASHINGTON \u2013 Los senadores estadounidenses Dick Durbin (D-IL) y Jeff Merkley (D-OR) se unieron a los representantes estadounidenses Matt Cartwright (D-PA-17) y Steve Cohen (D-TN-09) para presentar el bicameral Ley de Protecci\u00f3n de los Consumidores de Tasas de Cr\u00e9dito Irrazonables<\/i>, legislaci\u00f3n que eliminar\u00eda las tasas y cargos excesivos que se les cobra a muchos consumidores por pr\u00e9stamos de d\u00eda de pago, pr\u00e9stamos sobre el t\u00edtulo del autom\u00f3vil y otros tipos de cr\u00e9dito. <\/p>\n

Los consumidores con problemas de efectivo en todo el pa\u00eds pagan, en promedio, tasas de inter\u00e9s anuales del 400 por ciento por pr\u00e9stamos de d\u00eda de pago. Estas tasas de inter\u00e9s excesivas crean una trampa de deuda viciosa que agota las cuentas bancarias de los consumidores y puede causar da\u00f1os financieros graves y a largo plazo. Este proyecto de ley establecer\u00eda un l\u00edmite de tasa de inter\u00e9s anual del 36 por ciento para todas las transacciones de cr\u00e9dito al consumidor, ayudando a los consumidores a dedicar una mayor parte de sus recursos a comprar bienes y servicios estadounidenses en lugar de llenar los bolsillos de los prestamistas depredadores. El tope del 36 por ciento es similar a las leyes de usura ya promulgadas en muchos estados y es el mismo tope que ya existe para el personal militar y sus familias.<\/p>\n

\u201cA pesar de los logros econ\u00f3micos que hemos logrado como naci\u00f3n en los \u00faltimos a\u00f1os, muchas familias trabajadoras contin\u00faan luchando. Para algunos, los prestamistas de d\u00eda de pago ofrecen una forma r\u00e1pida de llegar a fin de mes, pero sus tasas de inter\u00e9s escandalosas y tarifas ocultas pueden tener efectos devastadores en las personas que menos pueden pagarlo\u201d. <\/b>dijo el senador Durbin.  \u201cLimitar las tasas de inter\u00e9s y los cargos para los consumidores ayudar\u00e1 a proteger a las familias trabajadoras de estas pr\u00e1cticas de pr\u00e9stamos depredadores; es lo correcto\u201d.<\/b><\/p>\n

\n

\u201cLos pr\u00e9stamos abusivos con tasas de inter\u00e9s escandalosas arrastran a las familias trabajadoras a un v\u00f3rtice ineludible de deuda\u201d, <\/b>dijo el senador Merkley. \u201cEl enfoque simple y directo de este proyecto de ley proteger\u00e1 a los consumidores y garantizar\u00e1 que las familias no se arruinen por las altas tasas de inter\u00e9s y las tarifas ocultas\u201d.<\/b><\/p>\n<\/blockquote>\n

\u201cLos pr\u00e9stamos abusivos perjudican de manera desproporcionada a las personas que ya tienen dificultades financieras. Necesitamos salvaguardas para proteger a las familias trabajadoras\u201d, <\/b>dijo el representante Cartwright. \u201cEsta legislaci\u00f3n favorable al consumidor proporcionar\u00eda un alivio de las tarifas exorbitantes para muchos consumidores de bajos ingresos en todo el pa\u00eds\u201d.<\/b><\/p>\n

\u201cA lo largo de mi carrera, siempre he trabajado para proteger a las personas de aquellos que se aprovechar\u00edan de ellas a trav\u00e9s de pr\u00e1cticas crediticias abusivas que pueden causar estragos en la vida de las personas y perpetuar un ciclo de endeudamiento. Tanto la justicia como la moralidad dictan que se promulguen l\u00edmites razonables a los intereses para proteger a los prestatarios de los prestamistas enga\u00f1osos\u201d. <\/b>dijo el representante Cohen.<\/p>\n

El proyecto de ley est\u00e1 copatrocinado por los senadores estadounidenses Sheldon Whitehouse (D-RI), Dianne Feinstein (D-CA), Richard Blumenthal (D-CT), Kirsten Gillibrand (D-NY) y Al Franken (D-MN) y representantes de EE. UU. Michael Capuano (MA-07), Katherine Clark (MA-05), Steve Cohen (TN-09), Elijah Cummings (MD-07), Keith Ellison (MN-05), Anna Eshoo (CA-18), Sheila Jackson Lee (TX-18), Robin Kelly (IL-02), James Langevin (RI-02), Stephen Lynch (MA-08), Eleanor Holmes Norton (DC-en general), Mark Pocan (WI-02), David Price (NC-04), Jan Schakowsky (IL-09), Mark Takano (CA-41) y Niki Tsongas (MA-03).<\/p>\n

Los esfuerzos para abordar las tasas de inter\u00e9s exorbitantes que se cobran en muchos pr\u00e9stamos de d\u00eda de pago a menudo han fracasado debido a la dificultad para definir los pr\u00e9stamos abusivos. Al establecer una tasa de inter\u00e9s relativamente alta como tope y aplicar ese tope a todas las transacciones de cr\u00e9dito, el Ley de Protecci\u00f3n de los Consumidores de Tasas de Cr\u00e9dito Irrazonables<\/i> supera el problema y pone todas las transacciones de los consumidores en el mismo camino sostenible. Al hacerlo, se protege a los consumidores, se terminan las pr\u00e1cticas de pr\u00e9stamos abusivos y se ayuda a los consumidores a usar el cr\u00e9dito de manera m\u00e1s inteligente.<\/p>\n

Espec\u00edficamente, el Ley de Protecci\u00f3n de los Consumidores de Tasas de Cr\u00e9dito Irrazonables<\/i> har\u00eda:<\/p>\n

    \n
  • Establecer una APR m\u00e1xima igual al 36 por ciento y aplicar este tope a todas las transacciones de cr\u00e9dito al consumo abiertas y cerradas, incluidas las hipotecas, los pr\u00e9stamos para autom\u00f3viles, los pr\u00e9stamos con sobregiro, los pr\u00e9stamos sobre el t\u00edtulo del autom\u00f3vil y los pr\u00e9stamos de d\u00eda de pago.<\/li>\n<\/ul>\n
      \n
    • Alentar la creaci\u00f3n de alternativas responsables a los pr\u00e9stamos en d\u00f3lares peque\u00f1os, al permitir tarifas de solicitud inicial y costos continuos del prestamista, como tarifas de fondos insuficientes y tarifas atrasadas.<\/li>\n<\/ul>\n
        \n
      • Aseg\u00farese de que esta ley federal no prevalezca sobre leyes estatales m\u00e1s estrictas.<\/li>\n<\/ul>\n
          \n
        • Crear sanciones espec\u00edficas para las violaciones del nuevo tope y respalda la aplicaci\u00f3n en los tribunales civiles y por parte de los fiscales generales del estado.<\/li>\n<\/ul>\n

          La legislaci\u00f3n <\/i>est\u00e1 respaldado por Center for Responsible Lending (CRL), Americans for Financial Reform (AFR), AIDS Foundation of Chicago, Allied Progress, Americans for Financial Reform, Arkansans Against Abusive Payday Lending, Billings First Congregational Church \u2013 UCC, Casa of Oregon, Communications Workers of America (CWA), Consumer Action, Consumer Federation of America, Georgia Watch, Heartland Alliance for Human Needs & Human Rights, Hel's Kitchen Catering, Holston Habitat for Humanity, Illinois Asset Building Group, Illinois People's Action, Indiana Institute for Working Families , Knoxville, Consejo Laboral Central del \u00c1rea de Oak Ridge, Conferencia de Liderazgo sobre Derechos Civiles y Humanos, Proyecto Organizador de Montana, NAACP, Asociaci\u00f3n Nacional de Defensores del Consumidor, CAPACD Nacional, Centro Nacional de Derecho del Consumidor, Coalici\u00f3n Nacional de Reinversi\u00f3n Comunitaria, Acci\u00f3n Ciudadana de Nueva Jersey, People's Action, Prosperity Indiana, Public Citizen, Strong Economy for All Coalition, Student Action, Tennessee Citizen Action, UnidosUS, Virginia Organizing, VOICE \u2014 Oklahoma City y Woodstock Institute. <\/p>","protected":false},"excerpt":{"rendered":"

          WASHINGTON – U.S. Senators Dick Durbin (D-IL) and Jeff Merkley (D-OR) were joined by U.S. Representatives Matt Cartwright (D-PA-17) and Steve Cohen (D-TN-09) in introducing the bicameral Protecting Consumers from Unreasonable Credit Rates Act, legislation that would eliminate the excessive rates and fees that many consumers are charged for payday loans, car title loans, and other […]<\/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":[],"class_list":["post-4858","post","type-post","status-publish","format-standard","hentry","category-press-releases"],"acf":[],"yoast_head":"\nDURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES - 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\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"DURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES - Merkley\" \/>\n<meta property=\"og:description\" content=\"WASHINGTON – U.S. Senators Dick Durbin (D-IL) and Jeff Merkley (D-OR) were joined by U.S. Representatives Matt Cartwright (D-PA-17) and Steve Cohen (D-TN-09) in introducing the bicameral Protecting Consumers from Unreasonable Credit Rates Act, legislation that would eliminate the excessive rates and fees that many consumers are charged for payday loans, car title loans, and other […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2017-09-20T15:23:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:08:41+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=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"DURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES\",\"datePublished\":\"2017-09-20T15:23:00+00:00\",\"dateModified\":\"2023-07-24T15:08:41+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/\"},\"wordCount\":823,\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/\",\"name\":\"DURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2017-09-20T15:23:00+00:00\",\"dateModified\":\"2023-07-24T15:08:41+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"DURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES\"}]},{\"@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":"DURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES - 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\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/","og_locale":"es_MX","og_type":"article","og_title":"DURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES - Merkley","og_description":"WASHINGTON – U.S. Senators Dick Durbin (D-IL) and Jeff Merkley (D-OR) were joined by U.S. Representatives Matt Cartwright (D-PA-17) and Steve Cohen (D-TN-09) in introducing the bicameral Protecting Consumers from Unreasonable Credit Rates Act, legislation that would eliminate the excessive rates and fees that many consumers are charged for payday loans, car title loans, and other […]","og_url":"https:\/\/www.merkley.senate.gov\/es\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/","og_site_name":"Merkley","article_published_time":"2017-09-20T15:23:00+00:00","article_modified_time":"2023-07-24T15:08:41+00:00","twitter_card":"summary_large_image","twitter_misc":{"Written by":"","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/#article","isPartOf":{"@id":"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/"},"author":{"name":"","@id":""},"headline":"DURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES","datePublished":"2017-09-20T15:23:00+00:00","dateModified":"2023-07-24T15:08:41+00:00","mainEntityOfPage":{"@id":"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/"},"wordCount":823,"articleSection":["Press Releases"],"inLanguage":"es-MX"},{"@type":"WebPage","@id":"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/","url":"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/","name":"DURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES - Merkley","isPartOf":{"@id":"https:\/\/www.merkley.senate.gov\/#website"},"datePublished":"2017-09-20T15:23:00+00:00","dateModified":"2023-07-24T15:08:41+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/#breadcrumb"},"inLanguage":"es-MX","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.merkley.senate.gov\/durbin-merkley-cartwright-cohen-introduce-bicameral-bill-to-crack-down-on-predatory-lending-practices\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.merkley.senate.gov\/"},{"@type":"ListItem","position":2,"name":"DURBIN, MERKLEY, CARTWRIGHT, COHEN INTRODUCE BICAMERAL BILL TO CRACK DOWN ON PREDATORY LENDING PRACTICES"}]},{"@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\/4858","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=4858"}],"version-history":[{"count":1,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/posts\/4858\/revisions"}],"predecessor-version":[{"id":14234,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/posts\/4858\/revisions\/14234"}],"wp:attachment":[{"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/media?parent=4858"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/categories?post=4858"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/tags?post=4858"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}