{"id":7152,"date":"2009-04-30T12:39:00","date_gmt":"2009-04-30T16:39:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-to-chair-hearing-on-predatory-lending-practices\/"},"modified":"2023-07-24T11:11:49","modified_gmt":"2023-07-24T15:11:49","slug":"merkley-to-chair-hearing-on-predatory-lending-practices","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-to-chair-hearing-on-predatory-lending-practices\/","title":{"rendered":"Merkley presidir\u00e1 audiencia sobre pr\u00e1cticas de pr\u00e9stamos abusivos"},"content":{"rendered":"

Washington, DC \u2013 El Senador de Oreg\u00f3n, Jeff Merkley, continuar\u00e1 su campa\u00f1a para restaurar la equidad para los propietarios estadounidenses al presidir una pr\u00f3xima audiencia en el Comit\u00e9 de Banca, Vivienda y Desarrollo Urbano. Hoy, Merkley present\u00f3 una enmienda al proyecto de ley de vivienda del Senado que prohibir\u00eda los pagos indirectos y las multas por pago anticipado que llevan a los estadounidenses a pr\u00e9stamos incobrables y luego les impiden refinanciar en t\u00e9rminos justos. M\u00e1s tarde accedi\u00f3 a revisar el asunto en la legislaci\u00f3n futura despu\u00e9s de que el presidente del Comit\u00e9 Bancario, Chris Dodd, de Connecticut, se comprometiera a celebrar una audiencia del comit\u00e9 sobre este tema.<\/span><\/p>\n

\n

\u201cLas pr\u00e1cticas crediticias injustas atraparon a millones de estadounidenses en pr\u00e9stamos que simplemente no pod\u00edan pagar. Cuando esos pr\u00e9stamos comenzaron a incumplir, hundieron la econom\u00eda, causando dificultades a las familias trabajadoras y llevando nuestro sistema financiero al borde del colapso\u201d, dijo Merkley. \u201cEspero trabajar con mis colegas en el Comit\u00e9 Bancario para examinar las pr\u00e1cticas que contribuyeron al colapso y elaborar las reformas necesarias\u201d.<\/span><\/p>\n<\/blockquote>\n

La enmienda de Merkley se basa en dos proyectos de ley que present\u00f3 a principios de esta semana: la Ley de Transparencia para los Propietarios de Vivienda y la Ley de Promoci\u00f3n de la Responsabilidad Hipotecaria, que proh\u00edben los pagos indirectos y las multas por pago anticipado, respectivamente. Estas dos pr\u00e1cticas han contribuido significativamente a la actual crisis de vivienda. Los pagos directos de miles de d\u00f3lares alentaron a los corredores hipotecarios a empujar a los propietarios de viviendas a obtener pr\u00e9stamos incobrables, incluso cuando calificaban para pr\u00e9stamos en condiciones 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. <\/span><\/p>\n

Mientras tanto, las multas por pago anticipado mantuvieron a las familias en esos pr\u00e9stamos incobrables al hacer que la refinanciaci\u00f3n fuera prohibitivamente costosa. <\/span><\/p>\n

En un intercambio en el pleno del Senado, el presidente del Comit\u00e9 Bancario, Chris Dodd, acord\u00f3 celebrar audiencias sobre pr\u00e1cticas crediticias abusivas en un futuro pr\u00f3ximo. Adem\u00e1s, le pidi\u00f3 al Senador Merkley que presidiera una audiencia del comit\u00e9 sobre pr\u00e1cticas depredadoras, incluidas las multas por pago anticipado y los pagos indirectos. El Senador Merkley acept\u00f3 la invitaci\u00f3n del Senador Dodd y espera llamar la atenci\u00f3n sobre estos temas en las audiencias. <\/span><\/p>\n

\n

\u201cNecesitamos arrojar luz sobre las pr\u00e1cticas enga\u00f1osas que han llevado a millones de familias a la ejecuci\u00f3n hipotecaria\u201d, dijo Merkley. \u201cAgradezco al presidente Dodd por su enfoque en este tema y tengo la intenci\u00f3n de trabajar en estrecha colaboraci\u00f3n con \u00e9l para asegurarme de que los propietarios de viviendas no se vean perjudicados por estas t\u00e1cticas nuevamente\u201d.<\/span><\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"

Washington, DC – Oregon’s Senator Jeff Merkley will continue his push to restore fairness to American homeowners by chairing an upcoming hearing in the Banking, Housing and Urban Development Committee.  Today, Merkley offered an amendment to the Senate housing bill that would ban steering payments and prepayment penalties that drive Americans into bad loans and […]<\/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":[],"class_list":["post-7152","post","type-post","status-publish","format-standard","hentry","category-press-releases"],"acf":[],"yoast_head":"\nMerkley to Chair Hearing on Predatory Lending 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-to-chair-hearing-on-predatory-lending-practices\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley to Chair Hearing on Predatory Lending Practices - 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