{"id":7093,"date":"2009-06-17T12:21:00","date_gmt":"2009-06-17T16:21:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/obama-financial-regulation-plan-includes-merkley-backed-provisions-to-strengthen-protections-for-consumers\/"},"modified":"2023-07-24T11:11:45","modified_gmt":"2023-07-24T15:11:45","slug":"obama-financial-regulation-plan-includes-merkley-backed-provisions-to-strengthen-protections-for-consumers","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/obama-financial-regulation-plan-includes-merkley-backed-provisions-to-strengthen-protections-for-consumers\/","title":{"rendered":"El plan de regulaci\u00f3n financiera de Obama incluye disposiciones respaldadas por Merkley para fortalecer la protecci\u00f3n de los consumidores"},"content":{"rendered":"<p class=\"MsoNormal\"><strong><br \/>Washington DC<\/strong> \u2013 El plan de la Casa Blanca para revisar la regulaci\u00f3n<br \/>\nde los mercados financieros incluye varios elementos prominentes defendidos por<br \/>\nEl Senador de Oreg\u00f3n Jeff Merkley fortalecer\u00e1 la protecci\u00f3n al consumidor y mejorar\u00e1<br \/>\nvigilancia.<\/p>\n<blockquote>\n<p class=\"MsoNormal\"><span style=\"font-size: small;\">\u201cLos ejecutivos de Wall Street tomaron inversiones ordinarias y las convirtieron<br \/>\nlos mercados financieros en Las Vegas. Apostaron fuerte, perdieron y obtuvieron<br \/>\ndinero de los contribuyentes como regalo de despedida. Este sistema socav\u00f3 dram\u00e1ticamente nuestra<br \/>\neconom\u00eda, y nos ha costado cientos de miles de puestos de trabajo, decenas de miles de<br \/>\nhogares familiares y miles de millones de d\u00f3lares\u201d, dijo Merkley. &quot;Es<br \/>\nimportante que tomemos medidas para garantizar que este comportamiento imprudente no traer\u00e1<br \/>\nla econom\u00eda vuelve a caer\u201d.<\/span><\/p>\n<\/blockquote>\n<p class=\"MsoNormal\">La semana pasada, el Senador Merkley inst\u00f3 a la Casa Blanca a tomar<br \/>\ntres pasos para fortalecer el mercado y mejorar las protecciones para<br \/>\nconsumidores En un discurso de hoy y el plan que lo acompa\u00f1a, el presidente Barack<br \/>\nObama esboz\u00f3 amplias propuestas para mejorar la transparencia y la supervisi\u00f3n de<br \/>\nMundo financiero. El plan del presidente inclu\u00eda los siguientes importantes<br \/>\npuntos que pidi\u00f3 el Senador Merkley:<\/p>\n<ul>\n<li>La creaci\u00f3n de un Consumidor independiente<br \/>\nAgencia de Protecci\u00f3n Financiera, que proteger\u00eda a los consumidores de cr\u00e9dito, ahorro,<br \/>\npagos y otros productos y servicios financieros de consumo. El nuevo<br \/>\nla agencia estar\u00eda facultada para prohibir productos, servicios y pr\u00e1cticas peligrosas,<br \/>\nas\u00ed como proyectos de reglamentos de dichos productos y servicios. los estados<br \/>\ntambi\u00e9n estar\u00e1 facultado para hacer cumplir las leyes de protecci\u00f3n al consumidor. Modelado en el<br \/>\nComisi\u00f3n de Seguridad y Protecci\u00f3n al Consumidor, esta nueva agencia garantizar\u00eda que<br \/>\nproductos financieros reciben el mismo escrutinio que otros productos y que<br \/>\nla protecci\u00f3n del consumidor recibe la misma atenci\u00f3n que otros elementos de la banca<br \/>\nregulaci\u00f3n. <\/li>\n<\/ul>\n<ul>\n<li>Incluyendo al Director de la Vivienda Federal<br \/>\nAgencia de Finanzas (FHFA) en el Consejo de Supervisi\u00f3n de Servicios Financieros, el nuevo organismo<br \/>\ncreado para monitorear el riesgo sist\u00e9mico en el sistema financiero. El<br \/>\nla inclusi\u00f3n del Director de la FHFA asegurar\u00e1 que el nuevo consejo de riesgo sist\u00e9mico<br \/>\ntendremos la experiencia en vivienda necesaria para garantizar que nuestra<br \/>\nreguladores tienen una comprensi\u00f3n clara de ese mercado, que ha sido la fuente<br \/>\nde nuestras dos crisis financieras m\u00e1s recientes, la crisis de ahorro y pr\u00e9stamo y la<br \/>\ncrisis subprime actual.<\/li>\n<\/ul>\n<ul>\n<li>Implementar nuevas regulaciones y empoderar<br \/>\nreguladores para reformar las pr\u00e1cticas crediticias que estaban claramente implicadas en este<br \/>\ncrisis, que incluir\u00eda prohibir las primas de diferencial de rendimiento y el pago anticipado<br \/>\nmultas, que requieren que los originadores de pr\u00e9stamos retengan una parte de los pr\u00e9stamos para que<br \/>\ntienen un inter\u00e9s en prevenir la asunci\u00f3n de demasiados riesgos, lo que requiere que se ofrezca a los consumidores<br \/>\nopciones simples y f\u00e1ciles de entender en productos hipotecarios, y que requieren<br \/>\nmayor transparencia e informes s\u00f3lidos por parte de los emisores de valores respaldados por activos<br \/>\nvalores.&nbsp;<\/li>\n<\/ul>\n<p class=\"MsoNormal\">Adem\u00e1s, las reformas del Presidente tambi\u00e9n: requerir\u00edan<br \/>\nfuerte supervisi\u00f3n y regulaci\u00f3n de todas las firmas financieras; fortalecer la regulaci\u00f3n<br \/>\nde mercados centrales e infraestructura de mercado; proporcionar al gobierno la<br \/>\nherramientas para gestionar eficazmente las crisis financieras; y mejorar internacional<br \/>\nnormas reglamentarias y cooperaci\u00f3n.&nbsp; &nbsp;<\/p>\n<p class=\"MsoNormal\">Algunas de estas reformas depender\u00edan de las acciones tomadas por<br \/>\nagencias regulatorias. Merkley trabajar\u00e1 con sus compa\u00f1eros miembros de la<br \/>\nComisi\u00f3n de Banca, Vivienda y Desarrollo Urbano del Senado adoptar\u00e1 de inmediato<br \/>\nla m\u00e1s importante de estas disposiciones. En particular, el Senador Merkley<br \/>\nha introducido legislaci\u00f3n para prohibir de inmediato los pagos indirectos y el prepago<br \/>\nsanciones<\/p>\n<blockquote>\n<p class=\"MsoNormal\"><span style=\"font-size: small;\">\u201cNuestros propietarios contrataron y pagaron a un agente hipotecario para ayudar<br \/>\nellos encontraron el mejor pr\u00e9stamo posible, pero en su lugar fueron dirigidos hacia un alto costo,<br \/>\npr\u00e9stamos con intereses explosivos, convirtiendo el sue\u00f1o de una familia de ser propietario de una vivienda en un<br \/>\npesadilla. Prohibir los pagos indirectos (sobornos secretos a los corredores) y<br \/>\nlas multas por pago anticipado que encierran a las familias en pr\u00e9stamos incobrables restaurar\u00e1n la propiedad de la vivienda<br \/>\ncomo base del sue\u00f1o americano\u201d, dijo Merkley.<\/span><\/p>\n<\/blockquote>\n<p class=\"MsoNormal\">&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, DC &ndash; The White House plan to overhaul regulation of the financial markets includes several prominent elements championed by Oregon&rsquo;s Senator Jeff Merkley to strengthen consumer protections and improve oversight. &ldquo;Wall Street executives took ordinary investments and turned the financial markets into Las Vegas.&nbsp; They bet big, lost, and got taxpayer money as a [&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-7093","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 - 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