{"id":7015,"date":"2009-08-06T12:56:00","date_gmt":"2009-08-06T16:56:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/2009-08-06-merkley-introduces-bill-to-stop-deceptive-loan-checks\/"},"modified":"2023-07-24T11:11:38","modified_gmt":"2023-07-24T15:11:38","slug":"2009-08-06-merkley-introduces-bill-to-stop-deceptive-loan-checks","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/2009-08-06-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":"


Washington DC -<\/strong> Senador de Oreg\u00f3n Jeff Merkley
\npresent\u00f3 el jueves la Ley de Eliminaci\u00f3n de Cheques de Pr\u00e9stamos Enga\u00f1osos para prohibir
\nque las empresas env\u00eden cheques de pr\u00e9stamos \u201cen vivo\u201d a los consumidores. En estos esquemas,
\nLas instituciones financieras env\u00edan a los clientes desprevenidos un cheque a su nombre por
\nalguna cantidad. Los clientes a menudo asumen que sus instituciones financieras
\nha enviado reembolsos o alguna otra suma relacionada con el negocio y, sin saberlo, ha depositado
\nlos cheques. Sin embargo, la letra peque\u00f1a de estos cheques en realidad los hace
\nPr\u00e9stamos de alto costo. <\/p>\n

\n

\u201cSin reglas de tr\u00e1nsito justas, los consumidores estadounidenses
\nser enga\u00f1ado para obtener pr\u00e9stamos no deseados que conducen a deudas peligrosas y de alto costo. 
\nLas trampas financieras como los cheques de pr\u00e9stamos "vivos" han despojado de la riqueza a nuestras familias
\ny contribuy\u00f3 a la actual crisis financiera\u201d, dijo Merkley. "Uno de
\nmis electores, un veterano de la Guerra de Corea, terminaron con una hipoteca de alto riesgo porque
\ndeposit\u00f3 uno de estos cheques de pr\u00e9stamo no solicitados sin saber que era un
\nestafa. Lamentablemente, en lugar de poder cancelar el pr\u00e9stamo, se vio obligado a
\nincluir este pr\u00e9stamo no deseado en su hipoteca, que luego pas\u00f3 de ser una
\nhipoteca segura y de tasa fija que casi hab\u00eda sido liquidada, en una nueva,
\nhipotecas de alto riesgo. <\/span><\/p>\n

 <\/p>\n

\u201cLa legislaci\u00f3n que presento hoy proteger\u00e1
\nconsumidores se vean atrapados en pr\u00e9stamos costosos que nunca quisieron en
\nEl primer lugar. El siguiente paso para restablecer unas condiciones de juego justas para
\nfamilias trabajadoras es que el Congreso avance r\u00e1pidamente para crear la Ley del Consumidor
\nAgencia de Protecci\u00f3n Financiera, organismo con autoridad para revisar y regular
\ntrucos financieros y trampas como cheques de pr\u00e9stamo 'vivos'\u201d.<\/span><\/p>\n<\/blockquote>\n

La Ley de Eliminaci\u00f3n de Cheques de Pr\u00e9stamos Enga\u00f1osos de Merkley prohibir\u00e1
\ninstituciones financieras env\u00eden un cheque de pr\u00e9stamo "vivo" a menos que el consumidor
\nsolicitado dicho cheque por escrito, y los consumidores no ser\u00edan responsables de ning\u00fan
\ndeuda contra\u00edda en violaci\u00f3n de la ley. Esta soluci\u00f3n de sentido com\u00fan
\nprotege a los consumidores sin restringir el cr\u00e9dito para los consumidores que lo desean.<\/p>\n

La legislaci\u00f3n de Merkley cuenta con el respaldo de Consumer Action,
\nFederaci\u00f3n de Consumidores de Am\u00e9rica, Uni\u00f3n de Consumidores, Ley Nacional del Consumidor
\nCenter (en nombre de sus clientes de bajos ingresos) y el US Public Interest
\nGrupo de investigacion.<\/p>","protected":false},"excerpt":{"rendered":"

Washington, D.C. – Oregon’s Senator Jeff Merkley introduced the Deceptive Loan Check Elimination Act Thursday to prohibit companies from sending “live” loan checks to consumers.  In these schemes, financial institutions send unsuspecting customers a check made out to them for some amount.  Customers often assume that their financial institutions have sent refunds or some other […]<\/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-7015","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"\nMerkley 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\/2009-08-06-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. – Oregon’s Senator Jeff Merkley introduced the Deceptive Loan Check Elimination Act Thursday to prohibit companies from sending “live” loan checks to consumers.  In these schemes, financial institutions send unsuspecting customers a check made out to them for some amount.  Customers often assume that their financial institutions have sent refunds or some other […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/2009-08-06-merkley-introduces-bill-to-stop-deceptive-loan-checks\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2009-08-06T16:56:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:11:38+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=\"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\/2009-08-06-merkley-introduces-bill-to-stop-deceptive-loan-checks\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/2009-08-06-merkley-introduces-bill-to-stop-deceptive-loan-checks\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Merkley Introduces Bill to Stop Deceptive Loan Checks\",\"datePublished\":\"2009-08-06T16:56:00+00:00\",\"dateModified\":\"2023-07-24T15:11:38+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/2009-08-06-merkley-introduces-bill-to-stop-deceptive-loan-checks\/\"},\"wordCount\":381,\"keywords\":[\"Protecting Consumers, Taxpayers, and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/2009-08-06-merkley-introduces-bill-to-stop-deceptive-loan-checks\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/2009-08-06-merkley-introduces-bill-to-stop-deceptive-loan-checks\/\",\"name\":\"Merkley Introduces Bill to Stop Deceptive Loan Checks - 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