{"id":5577,"date":"2016-04-07T14:43:00","date_gmt":"2016-04-07T18:43:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/democrats-push-payday-lending-bill-to-tackle-what-cfpb-cant\/"},"modified":"2023-07-24T11:09:39","modified_gmt":"2023-07-24T15:09:39","slug":"democrats-push-payday-lending-bill-to-tackle-what-cfpb-cant","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/democrats-push-payday-lending-bill-to-tackle-what-cfpb-cant\/","title":{"rendered":"Los dem\u00f3cratas impulsan un proyecto de ley de pr\u00e9stamos de d\u00eda de pago para abordar lo que la CFPB no puede"},"content":{"rendered":"<p><span>WASHINGTON \u2013 El senador Jeff Merkley, dem\u00f3crata por Oreg\u00f3n, y otros nueve dem\u00f3cratas est\u00e1n intentando bloquear una maniobra que, seg\u00fan dicen, los prestamistas de d\u00eda de pago utilizan para evitar cumplir con las leyes estatales.<\/span><\/p>\n<p><span>La Ley para Detener el Abuso y el Fraude en Pr\u00e9stamos Electr\u00f3nicos (SAFE) presentada el jueves impedir\u00eda que los prestamistas de d\u00eda de pago utilicen cheques creados de forma remota para retirar fondos de las cuentas corrientes de los clientes.<\/span><\/p>\n<p><span>La Oficina de Protecci\u00f3n Financiera del Consumidor publicar\u00e1 un conjunto de reglas para pr\u00e9stamos de d\u00eda de pago a finales de este a\u00f1o, pero algunos legisladores dijeron que la agencia no podr\u00e1 ir lo suficientemente lejos bajo su autoridad actual.<\/span><\/p>\n<p><span>Merkley dijo que los prestamistas de d\u00eda de pago pueden eludir el l\u00edmite de tasa porcentual anual de 36% de su estado natal mediante el uso de un cheque creado de forma remota.<\/span><\/p>\n<p><span>&quot;La industria ha encontrado una manera de eludir estas duras leyes estatales principalmente a trav\u00e9s de la industria en l\u00ednea&quot;, dijo Merkley en una llamada con periodistas. \u201cUna vez que tienen el n\u00famero de cuenta corriente de un individuo, pueden acceder y retirar dinero de la cuenta corriente de un consumidor a voluntad. Estos se denominan cheques creados de forma remota o RCC\u201d.<\/span><\/p>\n<p><span>Merkley a\u00f1adi\u00f3 que si una empresa opera fuera de Oreg\u00f3n, el pr\u00e9stamo que concede podr\u00eda ser ilegal, pero puede ser &quot;muy dif\u00edcil localizar a estas personas y hacerlas responsables&quot;.<\/span><\/p>\n<p><span>La legislaci\u00f3n tambi\u00e9n evitar\u00eda que los prestamistas de d\u00eda de pago que utilizan tarjetas prepagas ofrezcan sobregiros y requerir\u00eda que la Oficina de Protecci\u00f3n Financiera del Consumidor supervise otras tarifas asociadas con las tarjetas prepagas. Adem\u00e1s, requerir\u00eda que los prestamistas de d\u00eda de pago se registren en la CFPB y prohibir\u00eda a las empresas que act\u00faan como generadores de contactos para otras empresas de d\u00eda de pago vendiendo informaci\u00f3n de los consumidores.<\/span><\/p>\n<p><span>El candidato presidencial, el senador Bernie Sanders, dem\u00f3crata por Vermont, es uno de los copatrocinadores junto con los senadores Tom Udall, DN.M., Patty Murray, dem\u00f3crata por Washington, Dick Durbin, dem\u00f3crata por Illinois, Richard Blumenthal, D-Conn., Elizabeth Warren, D-Mass., Tammy Baldwin, D-Wis., Edward J. Markey, D-Mass., Ron Wyden, D-Ore., y Cory Booker, DN.J.<\/span><\/p>\n<p><span>\u201cLo fundamental, en primer lugar, es que proh\u00edbe el uso de estos cheques creados de forma remota, de modo que una compa\u00f1\u00eda de pr\u00e9stamos de d\u00eda de pago no pueda eludir la ley estatal simplemente entrando y sacando dinero de las cuentas de las personas y lo segundo que hace es enfrentarse a otro depredador\u201d. pr\u00e1ctica de la industria de pr\u00e9stamos de d\u00eda de pago, que son las tarjetas prepagas\u201d, dijo Merkley.<\/span>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>WASHINGTON &mdash; Sen. Jeff Merkley, D-Ore., and nine other Democrats are attempting to block a go-around they say payday lenders use to avoid complying with state laws. The Stopping Abuse and Fraud in Electronic (SAFE) Lending Act introduced Thursday would prevent payday lenders from using remotely created checks to withdraw from customers&#8217; checking accounts. The [&hellip;]<\/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":[26],"tags":[],"class_list":["post-5577","post","type-post","status-publish","format-standard","hentry","category-in-the-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Democrats Push Payday Lending Bill to Tackle What CFPB Can&#039;t - 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\/democrats-push-payday-lending-bill-to-tackle-what-cfpb-cant\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Democrats Push Payday Lending Bill to Tackle What CFPB Can&#039;t - Merkley\" \/>\n<meta property=\"og:description\" content=\"WASHINGTON &mdash; Sen. Jeff Merkley, D-Ore., and nine other Democrats are attempting to block a go-around they say payday lenders use to avoid complying with state laws. The Stopping Abuse and Fraud in Electronic (SAFE) Lending Act introduced Thursday would prevent payday lenders from using remotely created checks to withdraw from customers&#8217; checking accounts. 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