{"id":6233,"date":"2013-04-09T16:40:00","date_gmt":"2013-04-09T20:40:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-introduces-bill-to-crack-down-on-excessive-interest-rates-and-fees\/"},"modified":"2023-07-24T11:10:34","modified_gmt":"2023-07-24T15:10:34","slug":"merkley-introduces-bill-to-crack-down-on-excessive-interest-rates-and-fees","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bill-to-crack-down-on-excessive-interest-rates-and-fees\/","title":{"rendered":"MERKLEY PRESENTA UN PROYECTO DE LEY PARA TOMAR MEDIDAS CONTRA LAS TASAS DE INTER\u00c9S Y LAS TARIFAS EXCESIVAS"},"content":{"rendered":"<p><strong>Washington DC<\/strong> \u2013 El Senador de Oreg\u00f3n Jeff Merkley se uni\u00f3 al Asistente del L\u00edder de la Mayor\u00eda Dick Durbin (D-IL), Richard Blumenthal (D-CT) Sheldon Whitehouse (D-RI) y Barbara Boxer (D-CA), para presentar el <em>Ley de Protecci\u00f3n de los Consumidores de Tasas de Cr\u00e9dito Irrazonables<\/em> hoy<em>, <\/em>un proyecto de ley para eliminar las tasas y cargos excesivos que se les cobra a algunos consumidores por pr\u00e9stamos de d\u00eda de pago, pr\u00e9stamos sobre el t\u00edtulo del auto y otros tipos de cr\u00e9dito.<\/p>\n<p>El proyecto de ley crear\u00eda una tasa de inter\u00e9s y un tope de tarifa de 36% para todas las transacciones de cr\u00e9dito al consumo, poniendo fin a las tasas excesivas que pueden superar los 300%. El tope 36% es similar a las leyes de usura ya promulgadas en muchos estados y es el mismo tope ya establecido para el personal militar y sus familias.<em>&nbsp;<\/em><\/p>\n<p>\u201cLas familias trabajadoras merecen algo mejor que perder su riqueza a trav\u00e9s de pr\u00e1cticas depredadoras y enga\u00f1osas. En Oreg\u00f3n, nos enfrentamos a los prestamistas de d\u00eda de pago y limitamos los escandalosos intereses que cobraban. Esos l\u00edmites deber\u00edan ser el est\u00e1ndar a nivel nacional\u201d, <strong>dijo el senador Merkley.<\/strong><\/p>\n<p>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 <em>Ley de Protecci\u00f3n de los Consumidores de Tasas de Cr\u00e9dito Irrazonables<\/em> 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.&nbsp;<\/p>\n<p>Espec\u00edficamente, el <em>Ley de Protecci\u00f3n de los Consumidores de Tasas de Cr\u00e9dito Irrazonables<\/em> har\u00eda:<\/p>\n<ul>\n<li>Establece una APR m\u00e1xima igual a 36% y aplica este tope a todas las transacciones de cr\u00e9dito al consumo abiertas y cerradas, incluidas hipotecas, pr\u00e9stamos para autom\u00f3viles, tarjetas de cr\u00e9dito, pr\u00e9stamos con sobregiro, pr\u00e9stamos sobre el t\u00edtulo del veh\u00edculo, pr\u00e9stamos con reembolso anticipado y pr\u00e9stamos de d\u00eda de pago.<\/li>\n<\/ul>\n<ul>\n<li>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<ul>\n<li>Aseg\u00farese de que esta ley federal no prevalezca sobre leyes estatales m\u00e1s estrictas.<\/li>\n<\/ul>\n<ul>\n<li>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.&nbsp;<\/li>\n<\/ul>\n<p>Los senadores Merkley, Durbin, Blumenthal y otros tambi\u00e9n han patrocinado la Ley de Pr\u00e9stamos SEGUROS (S. 172), que cerrar\u00eda las lagunas, garantizar\u00eda que los consumidores tengan control sobre su propia cuenta bancaria y terminar\u00eda con los otros trucos y trampas que los prestamistas en l\u00ednea usan para evadir cumplimiento de las leyes de pr\u00e9stamo de sentido com\u00fan. &nbsp;<\/p>\n<p><em>Ley de Protecci\u00f3n de los Consumidores de Tasas de Cr\u00e9dito Irrazonables <\/em>cuenta con el apoyo de 40 grupos nacionales y estatales, incluidos Americans for Financial Reform, Consumer Federation of American, National Consumer Law Center, Center for Responsible Lending y Consumers Union.&nbsp;<\/p>\n<p align=\"center\">&nbsp;<\/p>\n<p align=\"center\">###<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, D.C. &ndash; Oregon&rsquo;s Senator Jeff Merkley joined Assistant Majority Leader Dick Durbin (D-IL), Richard Blumenthal (D-CT) Sheldon Whitehouse (D-RI) and Barbara Boxer (D-CA), to introduce the Protecting Consumers from Unreasonable Credit Rates Act today, a bill to eliminate the excessive rates and fees that some consumers are charged for payday loans, car title loans [&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":[24],"tags":[47],"class_list":["post-6233","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>MERKLEY INTRODUCES BILL TO CRACK DOWN ON EXCESSIVE INTEREST RATES AND FEES - 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-bill-to-crack-down-on-excessive-interest-rates-and-fees\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MERKLEY INTRODUCES BILL TO CRACK DOWN ON EXCESSIVE INTEREST RATES AND FEES - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, D.C. &ndash; 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