{"id":6270,"date":"2013-01-30T14:10:00","date_gmt":"2013-01-30T19:10:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-introduces-bill-to-stop-deceptive-loan-checks\/"},"modified":"2023-07-24T11:10:38","modified_gmt":"2023-07-24T15:10:38","slug":"merkley-introduces-bill-to-stop-deceptive-loan-checks","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-bill-to-stop-deceptive-loan-checks\/","title":{"rendered":"Merkley presenta proyecto de ley para detener cheques de pr\u00e9stamos enga\u00f1osos"},"content":{"rendered":"<p><strong>Washington DC -<\/strong>&nbsp;Hoy, el senador de Oreg\u00f3n, Jeff Merkley, present\u00f3 la Ley de Eliminaci\u00f3n de Cheques de Pr\u00e9stamos Enga\u00f1osos, que prohibir\u00eda a las empresas enviar cheques de pr\u00e9stamos \u201cen vivo\u201d a los consumidores. En estos esquemas, las instituciones financieras env\u00edan a los clientes desprevenidos un cheque a su nombre. Los clientes a menudo asumen que sus instituciones financieras han enviado reembolsos o alguna otra suma relacionada con el negocio y, sin saberlo, depositan los cheques. En letra peque\u00f1a, estas instituciones establecen que este \u201ccheque\u201d es en realidad un pr\u00e9stamo predatorio con una tasa de inter\u00e9s muy alta.&nbsp;<\/p>\n<blockquote>\n<p>\u201cEnviar cheques a poblaciones vulnerables que resultan ser pr\u00e9stamos predatorios est\u00e1 fuera de lo com\u00fan\u201d, dijo Merkley. \u201cEn nuestro sistema financiero no hay lugar para trucos. Si una empresa no puede ganarse el negocio de los clientes dici\u00e9ndoles lo que ofrece, deber\u00eda buscar otra l\u00ednea de trabajo\u201d.&nbsp;<\/p>\n<\/blockquote>\n<p>La Ley de Eliminaci\u00f3n de Cheques de Pr\u00e9stamo Enga\u00f1osos de Merkley prohibir\u00e1 a las instituciones financieras enviar un cheque de pr\u00e9stamo &quot;vivo&quot; a menos que el consumidor solicite dicho cheque por escrito, y los consumidores no ser\u00edan responsables de ninguna deuda contra\u00edda en violaci\u00f3n de la Ley. Esta soluci\u00f3n de sentido com\u00fan protege a los consumidores sin restringir el cr\u00e9dito a los consumidores que lo desean.<\/p>\n<p>El proyecto de ley est\u00e1 copatrocinado por los senadores Sherrod Brown (D-OH) y Sheldon Whitehouse (D-RI) y respaldado por Americans for Financial Reform, AARP Consumer Federation of America y el National Consumer Law Center (en nombre de sus clientes de bajos ingresos). .<\/p>\n<p>Merkley, l\u00edder en protecci\u00f3n financiera del consumidor en el Senado, present\u00f3 dos proyectos de ley adicionales esta semana para proteger a los consumidores. El lunes present\u00f3 una legislaci\u00f3n para evitar que el cr\u00e9dito de los consumidores se vea perjudicado por la liquidaci\u00f3n de deudas m\u00e9dicas y ayer present\u00f3 una legislaci\u00f3n para acabar con los pr\u00e9stamos de d\u00eda de pago en l\u00ednea. Estos proyectos de ley garantizar\u00edan que los habitantes de Oreg\u00f3n reciban un trato justo y no sean v\u00edctimas de estafas en el mercado financiero.<\/p>\n<p align=\"center\">###<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, D.C. &ndash;&nbsp;Today, Oregon&rsquo;s Senator Jeff Merkley introduced the Deceptive Loan Check Elimination Act, which would prohibit companies from sending &ldquo;live&rdquo; loan checks to consumers.&nbsp; In these schemes, financial institutions send unsuspecting customers a check made out to them.&nbsp; Customers often assume that their financial institutions have sent refunds or some other business-related sum and [&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-6270","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 Stop Deceptive Loan Checks - 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-stop-deceptive-loan-checks\/\" \/>\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 Stop Deceptive Loan Checks - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, D.C. &ndash;&nbsp;Today, Oregon&rsquo;s Senator Jeff Merkley introduced the Deceptive Loan Check Elimination Act, which would prohibit companies from sending &ldquo;live&rdquo; 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