Washington, DC- El Senador de Oreg\u00f3n Jeff Merkley, patrocinador de la Ley de Pr\u00e9stamos SAFE, un proyecto de ley para tomar medidas en\u00e9rgicas contra los pr\u00e9stamos del d\u00eda de pago en l\u00ednea, emiti\u00f3 la siguiente declaraci\u00f3n despu\u00e9s de que el New York Times informara que JPMorgan Chase ha cambiado las pol\u00edticas internas para controlar algunos de los peores pr\u00e1cticas de los prestamistas de d\u00eda de pago en l\u00ednea: <\/p>\n
\n\u201cMe complace ver que JPMorgan da un paso inicial para proteger a sus clientes de los pr\u00e9stamos de d\u00eda de pago abusivos permiti\u00e9ndoles cerrar sus cuentas. Sin embargo, JPMorgan deber\u00eda ir m\u00e1s all\u00e1 y bloquear los retiros de los prestamistas de d\u00eda de pago en l\u00ednea en estados, como Oreg\u00f3n, donde operan ilegalmente. Cerrar la puerta del establo despu\u00e9s de que los caballos hayan salido es un remedio inadecuado.<\/p>\n
\u201cEl sistema financiero deber\u00eda estar ayudando a las familias a acumular riqueza, no despoj\u00e1ndolas al permitir que agentes en la sombra en el extranjero saqueen las cuentas bancarias de sus clientes. Necesitamos asegurarnos de que los estados, que han estado a la vanguardia en la protecci\u00f3n de los consumidores contra los pr\u00e9stamos de d\u00eda de pago abusivos, puedan hacer cumplir sus leyes que protegen a los prestatarios de tales prestamistas de d\u00eda de pago\u201d. <\/p>\n<\/blockquote>\n
El 23 de febrero, The New York Times reportado<\/a> que los principales bancos como JPMorgan Chase estaban permitiendo a los prestamistas de d\u00eda de pago en l\u00ednea realizar actos depredadores, como mantener cuentas abiertas que los titulares de cuentas les hab\u00edan pedido que cerraran. Esto result\u00f3 en la p\u00e9rdida de fondos de los clientes a los prestamistas de d\u00eda de pago y en enormes tarifas de JPMorgan. Hoy, JPMorgan Chase Anunciado<\/a> permitir\u00e1n a los clientes el poder de detener los retiros y cerrar sus cuentas. <\/p>\n
El 29 de enero, el Senador de Oreg\u00f3n Jeff Merkley, el Senador Tom Udall (D-NM), el Senador Dick Durbin (D-IL) y el Senador Richard Blumenthal (D-CT) presentaron la Ley para Detener el Abuso y el Fraude en los Pr\u00e9stamos Electr\u00f3nicos (SAFE) (S . 172). La Ley de Pr\u00e9stamos SAFE tomar\u00eda medidas en\u00e9rgicas contra las peores pr\u00e1cticas de la industria de pr\u00e9stamos de d\u00eda de pago en l\u00ednea y otorgar\u00eda a los estados m\u00e1s poder para proteger a los consumidores de pr\u00e9stamos abusivos. <\/p>\n
La Ley de Pr\u00e9stamos SAFE tiene cuatro disposiciones principales:<\/p>\n
Asegura que los consumidores tengan el control de sus propias cuentas bancarias<\/strong><\/p>\n
\n
- Garantiza que un tercero no obtenga el control de la cuenta de un consumidor a trav\u00e9s de cheques creados remotamente (RCC), que son cheques de la cuenta bancaria de un consumidor creados por terceros. Para evitar los RCC no autorizados, los consumidores podr\u00e1n preautorizar exactamente qui\u00e9n puede crear un RCC en su nombre (por ejemplo, cuando viaja).<\/li>\n
- Permite a los consumidores cancelar un d\u00e9bito (al igual que pueden cancelar un cheque) en relaci\u00f3n con un pr\u00e9stamo de un d\u00f3lar peque\u00f1o (d\u00eda de pago). Esto evitar\u00eda que un prestamista de d\u00eda de pago por Internet elimine una cuenta corriente sin que el consumidor pueda detenerla.<\/li>\n<\/ul>\n
Cierra lagunas y crea igualdad de condiciones en la aplicaci\u00f3n de la ley estatal contra la usura<\/strong><\/p>\n
\n
- Requiere que todos los prestamistas, incluidos los bancos, cumplan con las reglas estatales para los pr\u00e9stamos de poco dinero, similares al d\u00eda de pago, que pueden ofrecer a los clientes en un estado. En la actualidad, solo los estados, y no el gobierno federal, tienen leyes para evitar pr\u00e9stamos APR 400% en prestatarios ordinarios.<\/li>\n<\/ul>\n
Proh\u00edbe los generadores de prospectos y los pr\u00e9stamos de d\u00eda de pago an\u00f3nimos<\/strong><\/p>\n
\n
- Algunos sitios web se describen a s\u00ed mismos como prestamistas de d\u00eda de pago, pero en realidad son "generadores de prospectos" que recopilan solicitudes y las subastan a prestamistas de d\u00eda de pago y otros. Esta pr\u00e1ctica est\u00e1 plagada de abusos e incluso ha llevado al cobro de deudas fraudulentas.<\/li>\n
- La Ley de Pr\u00e9stamos SAFE proh\u00edbe los generadores de prospectos y los sitios web registrados de forma an\u00f3nima en los pr\u00e9stamos de d\u00eda de pago.<\/li>\n<\/ul>\n
Detiene los pr\u00e9stamos extraterritoriales y otros pr\u00e9stamos de d\u00eda de pago ilegales en l\u00ednea en violaci\u00f3n de la ley estatal<\/strong><\/p>\n
\n
- Otorga a la Oficina de Protecci\u00f3n Financiera del Consumidor autoridad en su propio nombre y a petici\u00f3n de los fiscales generales estatales u otros reguladores locales para cerrar el procesamiento de pagos para los prestamistas que violan las leyes estatales y otras leyes de pr\u00e9stamos al consumidor a trav\u00e9s de Internet.<\/li>\n
- Cuidadosamente construido para no impactar negativamente en Internet. <\/li>\n<\/ul>\n
La legislaci\u00f3n cuenta con el respaldo de Americans for Financial Reform, Center for Responsible Lending, Consumer Federation of America, Main Street Alliance y docenas de otros grupos de consumidores y peque\u00f1as empresas.<\/p>\n
###<\/p>","protected":false},"excerpt":{"rendered":"
Washington, DC- Oregon’s Senator Jeff Merkley, sponsor of the SAFE Lending Act, a bill to crack down on online payday lending, issued the following statement after the New York Times reported that JPMorgan Chase has changed internal policies to rein in some of the worst practices by online payday lenders: “I’m glad to see JPMorgan […]<\/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-6239","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"\n
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