{"id":6771,"date":"2010-05-11T12:55:00","date_gmt":"2010-05-11T16:55:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/"},"modified":"2023-07-24T11:11:19","modified_gmt":"2023-07-24T15:11:19","slug":"merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/","title":{"rendered":"Merkley presenta una enmienda para proteger a los propietarios de viviendas de pr\u00e1cticas hipotecarias enga\u00f1osas"},"content":{"rendered":"<p><strong>WASHINGTON DC<\/strong> \u2013 Hoy, el senador de Oreg\u00f3n, Jeff Merkley, present\u00f3 una enmienda al proyecto de ley de reforma de Wall Street que prohibir\u00e1 una de las pr\u00e1cticas hipotecarias m\u00e1s atroces que llev\u00f3 directamente a millones de familias a perder sus hogares. La enmienda prohibir\u00e1 que los prestamistas hipotecarios y los originadores de pr\u00e9stamos reciban pagos ocultos cuando lleven a los propietarios de viviendas a obtener pr\u00e9stamos de alto costo y requerir\u00e1 que los prestamistas se aseguren de que los prestatarios tengan la capacidad de pagar sus pr\u00e9stamos.<\/p>\n<blockquote><p>\u201cInnumerables familias conf\u00edan en sus prestamistas hipotecarios para que hagan lo correcto cuando compran una casa\u201d, dijo Merkley. \u201cDesafortunadamente, los pagos de direcci\u00f3n han puesto los intereses de los prestamistas en desacuerdo con los mejores intereses de sus clientes. Mi enmienda prohibir\u00e1 esta pr\u00e1ctica abusiva y restaurar\u00e1 la equidad y la transparencia en una de las transacciones financieras m\u00e1s importantes que jam\u00e1s haya hecho una familia\u201d.<\/p><\/blockquote>\n<p>La enmienda de Merkley prohibir\u00e1 a los prestamistas hipotecarios y originadores de pr\u00e9stamos aceptar pagos basados en la tasa de inter\u00e9s u otros t\u00e9rminos de los pr\u00e9stamos. Tambi\u00e9n prohibir\u00eda que un originador de pr\u00e9stamos reciba una compensaci\u00f3n de cualquier otra parte que no sea el prestatario si ya ha sido compensado por el consumidor. Adem\u00e1s, requerir\u00e1 que los prestamistas verifiquen la capacidad de los prestatarios para pagar sus pr\u00e9stamos con ingresos y activos distintos al valor de la vivienda. Para ayudar a los propietarios de viviendas a pagar mejor los costos iniciales de su hipoteca, la legislaci\u00f3n a\u00fan permitir\u00e1 a los compradores de viviendas financiar sus costos de cierre como parte de su pr\u00e9stamo.<\/p>\n<blockquote><p>\u201cEsta pr\u00e1ctica depredadora de hipotecas de alto riesgo condujo directamente al colapso de nuestras firmas financieras m\u00e1s grandes y result\u00f3 en millones de empleos perdidos y casas embargadas\u201d, dijo Merkley. \u201cInsto a mis colegas de ambos lados del pasillo a unirse a este esfuerzo para poner fin a las pr\u00e1cticas hipotecarias enga\u00f1osas que da\u00f1an nuestra econom\u00eda y amenazan el sustento de las familias en las comunidades de todo el pa\u00eds\u201d.&nbsp;<\/p><\/blockquote>\n<p>Seg\u00fan las reglas actuales, los prestamistas hipotecarios y los originadores de pr\u00e9stamos pueden orientar a las familias hacia pr\u00e9stamos de alto costo y m\u00e1s riesgosos, incluso cuando califican para pr\u00e9stamos asequibles. Un estudio del Wall Street Journal encontr\u00f3 que el 61 por ciento de los pr\u00e9stamos de alto riesgo que se originaron en 2006 fueron para familias que calificaron para pr\u00e9stamos de alto riesgo. Esta pr\u00e1ctica fue un impulsor clave de la burbuja inmobiliaria y, en \u00faltima instancia, de la crisis de ejecuciones hipotecarias que ha devastado comunidades en todo el pa\u00eds.&nbsp; <br \/>&nbsp;<br \/>Los copatrocinadores de la enmienda incluyen a los senadores Amy Klobuchar (D-MN), Chuck Schumer (D-NY), Olympia Snowe (R-ME), Scott Brown (R-MA), Mark Begich (D-AK), Barbara Boxer (D-CA) y Chris Dodd (D-CT).<\/p>\n<p>A principios de este a\u00f1o, el Senador Merkley presion\u00f3 con \u00e9xito para incluir una disposici\u00f3n en el proyecto de ley de reforma de Wall Street que prohibir\u00e1 las multas por pago anticipado. Las multas por pago anticipado son tarifas exorbitantes que atrapan a las familias en pr\u00e9stamos inasequibles y hacen que sea casi imposible para las familias refinanciar sus pr\u00e9stamos.<\/p>","protected":false},"excerpt":{"rendered":"<p>WASHINGTON, DC &ndash; Today, Oregon&rsquo;s Senator Jeff Merkley introduced an amendment to the Wall Street reform bill that will ban one of the most egregious mortgage practices that directly led to millions of families losing their homes.&nbsp; The amendment will ban mortgage lenders and loan originators from receiving hidden payments when they steer homeowners into [&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-6771","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 Amendment to Protect Homeowners from Deceptive Mortgage Practices - 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-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley Introduces Amendment to Protect Homeowners from Deceptive Mortgage Practices - Merkley\" \/>\n<meta property=\"og:description\" content=\"WASHINGTON, DC &ndash; Today, Oregon&rsquo;s Senator Jeff Merkley introduced an amendment to the Wall Street reform bill that will ban one of the most egregious mortgage practices that directly led to millions of families losing their homes.&nbsp; The amendment will ban mortgage lenders and loan originators from receiving hidden payments when they steer homeowners into [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2010-05-11T16:55:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:11:19+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=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Merkley Introduces Amendment to Protect Homeowners from Deceptive Mortgage Practices\",\"datePublished\":\"2010-05-11T16:55:00+00:00\",\"dateModified\":\"2023-07-24T15:11:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/\"},\"wordCount\":474,\"keywords\":[\"Protecting Consumers, Taxpayers, and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/\",\"name\":\"Merkley Introduces Amendment to Protect Homeowners from Deceptive Mortgage Practices - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2010-05-11T16:55:00+00:00\",\"dateModified\":\"2023-07-24T15:11:19+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Merkley Introduces Amendment to Protect Homeowners from Deceptive Mortgage Practices\"}]},{\"@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":"Merkley Introduces Amendment to Protect Homeowners from Deceptive Mortgage Practices - 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\/merkley-introduces-amendment-to-protect-homeowners-from-deceptive-mortgage-practices\/","og_locale":"es_MX","og_type":"article","og_title":"Merkley Introduces Amendment to Protect Homeowners from Deceptive Mortgage Practices - Merkley","og_description":"WASHINGTON, DC &ndash; 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