{"id":7098,"date":"2009-06-15T12:39:00","date_gmt":"2009-06-15T16:39:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/"},"modified":"2023-07-24T11:11:45","modified_gmt":"2023-07-24T15:11:45","slug":"merkley-financial-regulation-overhaul-must-include-protections-for-consumers","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/","title":{"rendered":"Merkley: La revisi\u00f3n de la regulaci\u00f3n financiera debe incluir protecciones para los consumidores"},"content":{"rendered":"<p class=\"MsoNormal\"><strong>Washington DC<\/strong> \u2013 Esta semana, el presidente Barack Obama<br \/>\nestablecer\u00e1 los principios para el pr\u00f3ximo debate sobre la modernizaci\u00f3n de las regulaciones de<br \/>\nel mercado financiero El senador de Oreg\u00f3n, Jeff Merkley, insta a los blancos<br \/>\nC\u00e1mara para incluir fuertes protecciones para los consumidores en ese esfuerzo.&nbsp;<\/p>\n<p class=\"MsoNormal\">La falta de regulaciones claras y fuertes protecciones para<br \/>\nconsumidores result\u00f3 directamente en el colapso econ\u00f3mico actual que ha costado a nuestros<br \/>\nnaci\u00f3n cientos de miles de puestos de trabajo y oblig\u00f3 a decenas de miles de sus<br \/>\ncasas Empoderar a los trabajadores estadounidenses y proporcionar reglas de tr\u00e1nsito claras<br \/>\npara transacciones financieras ayudar\u00e1 a garantizar que no enfrentemos crisis similares en el<br \/>\nfuturo.<\/p>\n<blockquote>\n<p class=\"MsoNormal\"><span style=\"font-size: small;\">\u201cNuestro sistema financiero se ha desviado totalmente.&nbsp;<br \/>\nLos bancos y otras instituciones financieras vend\u00edan pr\u00e9stamos peligrosos y enga\u00f1osos para<br \/>\nconsumidores Luego empaquetaron estos pr\u00e9stamos peligrosos en cada vez m\u00e1s<br \/>\nproductos financieros intrincados e incomprensibles, productos que nadie podr\u00eda<br \/>\nvalorar adecuadamente, entonces o ahora\u201d, dijo Merkley. \u201cCuando la burbuja inmobiliaria<br \/>\ncolaps\u00f3, las instituciones financieras no ten\u00edan los activos para respaldar los riesgos<br \/>\nhab\u00edan tomado. Se pidi\u00f3 a los contribuyentes que comprometieran miles de millones para rescatar a estos<br \/>\ninstituciones, incluso cuando los pr\u00e9stamos se agotaron, las familias fueron expulsadas de sus<br \/>\nhogares, y la econom\u00eda se desaceler\u00f3 hasta detenerse. El colapso de este sistema<br \/>\ndeja muy claro que no podemos continuar por este camino de nuevo, necesitamos<br \/>\nreglas estrictas que tanto las instituciones financieras como los trabajadores estadounidenses pueden<br \/>\nentender.&quot;<\/span><\/p>\n<\/blockquote>\n<p class=\"MsoNormal\">En una carta a la Casa Blanca, Merkley inst\u00f3 al presidente<br \/>\napoyar tres componentes de regulaci\u00f3n financiera que ayudar\u00edan a proteger<br \/>\nconsumidores:<\/p>\n<ul>\n<li>La creaci\u00f3n de una entidad financiera independiente<br \/>\ncomisi\u00f3n de seguridad de productos que garantizar\u00eda que los productos financieros reciban<br \/>\nel mismo escrutinio que otros productos. Si bien actualmente tenemos un Consumidor<br \/>\nComisi\u00f3n de Seguridad de Productos que protege a los consumidores de aparatos peligrosos<br \/>\ny ropa, no tenemos una comisi\u00f3n similar para proteger a los consumidores financieros de<br \/>\nhipotecas peligrosas, tarjetas de cr\u00e9dito y otros productos financieros. Adem\u00e1s,<br \/>\ncrear una agencia independiente enfocada en la protecci\u00f3n del consumidor financiero es la<br \/>\nLo m\u00e1s importante que podemos hacer para garantizar la seguridad y solidez a largo plazo de<br \/>\nnuestro sistema financiero porque, como nos ha ense\u00f1ado esta crisis, el mejor sistema<br \/>\nla regulaci\u00f3n del riesgo es una buena protecci\u00f3n al consumidor.<\/p>\n<\/li>\n<li>Incluir un experto en vivienda en cualquier organismo<br \/>\ncreado para evaluar el riesgo sist\u00e9mico del sistema financiero. El<br \/>\ndos mayores crisis financieras de los \u00faltimos treinta a\u00f1os: las cajas de ahorro y pr\u00e9stamo<br \/>\ncrisis de los a\u00f1os 80 y la actual crisis subprime \u2013 originada en fallas en<br \/>\nfinanciaci\u00f3n de la vivienda. La crisis de hoy, en particular, fue causada en parte porque<br \/>\nLos organismos reguladores no estaban analizando si era probable que los precios de la vivienda<br \/>\naumentar\u00eda para siempre. Cuando comenzaron a disminuir, las finanzas<br \/>\ninstituciones no ten\u00edan suficientes reservas de capital para cubrir sus<br \/>\np\u00e9rdidas. Un experto en vivienda ayudar\u00eda a asegurar que las instituciones financieras<br \/>\ny los organismos reguladores tienen una comprensi\u00f3n clara de ese mercado.<\/p>\n<\/li>\n<li>Implementar leyes que prohibir\u00edan la mayor\u00eda<br \/>\npr\u00e1cticas crediticias atroces, como el pago anticipado y las multas de manejo.&nbsp;<br \/>\nEstas pr\u00e1cticas atraparon a las familias en pr\u00e9stamos que no pod\u00edan pagar pero que no pod\u00edan<br \/>\nrefinanciar. El Senador Merkley ha presentado dos proyectos de ley para poner fin a este tipo de<br \/>\nsanciones&nbsp;<\/li>\n<\/ul>\n<blockquote>\n<p class=\"MsoNormal\"><span style=\"font-size: small;\">\u201cRestaurar las reglas del camino para nuestras finanzas<br \/>\nEl sistema regulatorio es fundamental para proteger la econom\u00eda estadounidense y garantizar<br \/>\nsu crecimiento estable a largo plazo\u201d, dijo Merkley. &quot;Sobre el \u00faltimo<br \/>\nvarios a\u00f1os, los mercados financieros se convirtieron en casinos donde los bancos hac\u00edan apuestas<br \/>\ny los contribuyentes pagaron las cuentas. Los estadounidenses merecen algo mejor que tener<br \/>\nsus trabajos, hogares y ahorros sujetos a los caprichos de dicho mercado. I<br \/>\nesperamos trabajar con la Administraci\u00f3n para restaurar la equidad y proteger<br \/>\nconsumidores.\u201d<\/span><\/p>\n<\/blockquote>\n<p class=\"MsoNormal\" style=\"text-align: center;\" align=\"center\">-30-<\/p>\n<p class=\"MsoNormal\">&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>Washington, DC &ndash; This week, President Barack Obama will lay out principles for the upcoming debate over modernizing regulations of the financial market.&nbsp; Oregon&rsquo;s Senator Jeff Merkley is urging the White House to include strong protections for consumers in that effort.&nbsp; The lack of clear regulations and strong protections for consumers directly resulted in today&rsquo;s [&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-7098","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: Financial Regulation Overhaul Must Include Protections for Consumers - 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-financial-regulation-overhaul-must-include-protections-for-consumers\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley: Financial Regulation Overhaul Must Include Protections for Consumers - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, DC &ndash; This week, President Barack Obama will lay out principles for the upcoming debate over modernizing regulations of the financial market.&nbsp; Oregon&rsquo;s Senator Jeff Merkley is urging the White House to include strong protections for consumers in that effort.&nbsp; The lack of clear regulations and strong protections for consumers directly resulted in today&rsquo;s [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2009-06-15T16:39:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:11:45+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\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Merkley: Financial Regulation Overhaul Must Include Protections for Consumers\",\"datePublished\":\"2009-06-15T16:39:00+00:00\",\"dateModified\":\"2023-07-24T15:11:45+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/\"},\"wordCount\":631,\"keywords\":[\"Protecting Consumers, Taxpayers, and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/\",\"name\":\"Merkley: Financial Regulation Overhaul Must Include Protections for Consumers - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2009-06-15T16:39:00+00:00\",\"dateModified\":\"2023-07-24T15:11:45+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-financial-regulation-overhaul-must-include-protections-for-consumers\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Merkley: Financial Regulation Overhaul Must Include Protections for Consumers\"}]},{\"@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: Financial Regulation Overhaul Must Include Protections for Consumers - 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-financial-regulation-overhaul-must-include-protections-for-consumers\/","og_locale":"es_MX","og_type":"article","og_title":"Merkley: Financial Regulation Overhaul Must Include Protections for Consumers - Merkley","og_description":"Washington, DC &ndash; 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