{"id":6271,"date":"2013-01-29T18:14:00","date_gmt":"2013-01-29T23:14:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/"},"modified":"2023-07-24T11:10:38","modified_gmt":"2023-07-24T15:10:38","slug":"senators-introduce-bill-to-crack-down-on-online-payday-loans","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/","title":{"rendered":"Senadores presentan proyecto de ley para tomar medidas en\u00e9rgicas contra los pr\u00e9stamos de d\u00eda de pago en l\u00ednea"},"content":{"rendered":"

Washington DC <\/strong>– Today, Oregon’s Senator Jeff Merkley, Senator Tom Udall (D-NM), Senator Dick Durbin (D-IL) and Senator Richard Blumenthal (D-CT) introduced the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act. The SAFE Lending Act would crack down on the worst practices of the online payday lending industry and give states more power to protect consumers from predatory loans. <\/p>\n

\n

“We threw the payday lenders, who prey on families when they’re at their most vulnerable, out of Oregon back in 2007,”<\/strong> dijo Merkley. “Technology has taken a lot of these scams online, and it’s time to crack down.  Families deserve a fair shake when they’re looking to borrow money, not predatory loans that trap them in a vortex of debt.” <\/strong><\/p>\n<\/blockquote>\n

\n

“Too often, families who turn to payday lending fall victim to deceitful practices that make it harder for them to make ends meet. With payday lending moving online, the opportunities for abuse are growing,”<\/strong> said Udall. “We owe it to those who earn an honest paycheck to ensure they are protected online just as they are in many of our states, like New Mexico.” <\/strong><\/p>\n<\/blockquote>\n

\n

“Even as our economy begins to show signs of recovery, many hardworking families are still struggling to make ends meet,”<\/strong> dijo Durbin. “Unfortunately, many of these families are the targets of lenders offering payday loans with outrageous, often hidden interest rates that can have crippling effects on those who can afford it least. This bill will protect consumers and law-abiding lenders and I hope we can move it quickly on the floor.”<\/strong> <\/p>\n<\/blockquote>\n

\n

\u201cThe abusive and arbitrary practices of online payday lenders need to be stopped,” <\/strong>dijo Blumenthal. “Too often these lenders saddle vulnerable families with debt – creating a vicious cycle that makes them more vulnerable. This bill will protect consumers from this predatory industry.”<\/strong><\/p>\n<\/blockquote>\n

Many of these short-term payday loans involve exploding interest rates, eventually accruing interest of 500 percent or higher. Over twenty states have passed legislation to stop abusive lending, but these efforts have been challenged by the growing online presence of payday lenders. <\/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).<\/strong><\/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.<\/strong><\/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
    • Requires all lenders, including banks, to abide by state rules for the small-dollar, payday-like loans they may offer customers in a state.  Only states, not the federal government, have laws to prevent 400% APR loans.<\/strong><\/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.<\/strong><\/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. <\/strong><\/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

          The legislation is endorsed by Americans for Financial Reform, Center for Responsible Lending, and the Consumer Federation of America.<\/p>\n

          ###<\/p>","protected":false},"excerpt":{"rendered":"

          Washington, DC – Today, Oregon’s Senator Jeff Merkley, Senator Tom Udall (D-NM), Senator Dick Durbin (D-IL) and Senator Richard Blumenthal (D-CT) introduced the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act. The SAFE Lending Act would crack down on the worst practices of the online payday lending industry and give states more power to […]<\/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-6271","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"\nSenators Introduce Bill to Crack Down on Online Payday Loans - 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\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Senators Introduce Bill to Crack Down on Online Payday Loans - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, DC – Today, Oregon’s Senator Jeff Merkley, Senator Tom Udall (D-NM), Senator Dick Durbin (D-IL) and Senator Richard Blumenthal (D-CT) introduced the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act. The SAFE Lending Act would crack down on the worst practices of the online payday lending industry and give states more power to […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2013-01-29T23:14:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:10:38+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=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Senators Introduce Bill to Crack Down on Online Payday Loans\",\"datePublished\":\"2013-01-29T23:14:00+00:00\",\"dateModified\":\"2023-07-24T15:10:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/\"},\"wordCount\":691,\"keywords\":[\"Protecting Consumers, Taxpayers, and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/\",\"name\":\"Senators Introduce Bill to Crack Down on Online Payday Loans - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2013-01-29T23:14:00+00:00\",\"dateModified\":\"2023-07-24T15:10:38+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Senators Introduce Bill to Crack Down on Online Payday Loans\"}]},{\"@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":"Senators Introduce Bill to Crack Down on Online Payday Loans - 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\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/","og_locale":"es_MX","og_type":"article","og_title":"Senators Introduce Bill to Crack Down on Online Payday Loans - Merkley","og_description":"Washington, DC – Today, Oregon’s Senator Jeff Merkley, Senator Tom Udall (D-NM), Senator Dick Durbin (D-IL) and Senator Richard Blumenthal (D-CT) introduced the Stopping Abuse and Fraud in Electronic (SAFE) Lending Act. The SAFE Lending Act would crack down on the worst practices of the online payday lending industry and give states more power to […]","og_url":"https:\/\/www.merkley.senate.gov\/es\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/","og_site_name":"Merkley","article_published_time":"2013-01-29T23:14:00+00:00","article_modified_time":"2023-07-24T15:10:38+00:00","twitter_card":"summary_large_image","twitter_misc":{"Written by":"","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/#article","isPartOf":{"@id":"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/"},"author":{"name":"","@id":""},"headline":"Senators Introduce Bill to Crack Down on Online Payday Loans","datePublished":"2013-01-29T23:14:00+00:00","dateModified":"2023-07-24T15:10:38+00:00","mainEntityOfPage":{"@id":"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/"},"wordCount":691,"keywords":["Protecting Consumers, Taxpayers, and the Economy"],"articleSection":["Press Releases"],"inLanguage":"es-MX"},{"@type":"WebPage","@id":"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/","url":"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/","name":"Senators Introduce Bill to Crack Down on Online Payday Loans - Merkley","isPartOf":{"@id":"https:\/\/www.merkley.senate.gov\/#website"},"datePublished":"2013-01-29T23:14:00+00:00","dateModified":"2023-07-24T15:10:38+00:00","author":{"@id":""},"breadcrumb":{"@id":"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/#breadcrumb"},"inLanguage":"es-MX","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.merkley.senate.gov\/senators-introduce-bill-to-crack-down-on-online-payday-loans\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.merkley.senate.gov\/"},{"@type":"ListItem","position":2,"name":"Senators Introduce Bill to Crack Down on Online Payday Loans"}]},{"@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\/6271","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=6271"}],"version-history":[{"count":1,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/posts\/6271\/revisions"}],"predecessor-version":[{"id":15647,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/posts\/6271\/revisions\/15647"}],"wp:attachment":[{"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/media?parent=6271"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/categories?post=6271"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.merkley.senate.gov\/es\/wp-json\/wp\/v2\/tags?post=6271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}