{"id":7163,"date":"2009-04-23T12:43:00","date_gmt":"2009-04-23T16:43:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/"},"modified":"2023-07-24T11:11:50","modified_gmt":"2023-07-24T15:11:50","slug":"merkley-applauds-obama-endorsement-of-credit-card-legislation","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/","title":{"rendered":"Merkley aplaude el respaldo de Obama a la legislaci\u00f3n sobre tarjetas de cr\u00e9dito"},"content":{"rendered":"<p class=\"MsoNormal\">Washington, DC \u2013 El presidente Barack Obama se reuni\u00f3 hoy con ejecutivos de compa\u00f1\u00edas de tarjetas de cr\u00e9dito y expres\u00f3 su apoyo a los esfuerzos del Congreso para fortalecer las reformas de las tarjetas de cr\u00e9dito a trav\u00e9s de la legislaci\u00f3n. El Senador de Oreg\u00f3n Jeff Merkley, miembro del Comit\u00e9 Senatorial de Banca, Vivienda y Desarrollo Urbano, escribi\u00f3 a la Casa Blanca a principios de esta semana instando al Presidente a dar este paso.<\/p>\n<blockquote>\n<p class=\"MsoNormal\"><span style=\"font-size: small;\">\u201cLos estadounidenses son golpeados todos los meses con multas y tarifas injustas que ahogan a las familias trabajadoras en deudas. El Comit\u00e9 Bancario del Senado ha elaborado una legislaci\u00f3n integral para abordar estas pr\u00e1cticas enga\u00f1osas, y estoy muy complacido de que el presidente est\u00e9 de acuerdo en que se necesita hacer m\u00e1s para proteger a los consumidores\u201d, dijo Merkley. \u201cAhora es el momento de que el Senado en pleno act\u00fae y apruebe esta importante legislaci\u00f3n. Millones de familias estadounidenses cuentan con nosotros\u201d.<\/span><\/p>\n<\/blockquote>\n<p class=\"MsoNormal\">Si bien la Reserva Federal ha emitido nuevas regulaciones que abordan algunos de los peores abusos, esas reformas no entrar\u00e1n en vigencia hasta julio de 2010, demasiado tarde para muchos consumidores que ya est\u00e1n muy endeudados debido a la crisis econ\u00f3mica. La Ley de TARJETAS de Cr\u00e9dito acelerar\u00eda y fortalecer\u00eda las reformas de la industria al promulgar protecciones que incluyen:<\/p>\n<ul style=\"margin-top: 0in;\" type=\"disc\">\n<li class=\"MsoNormal\" style=\"margin-bottom: 10pt; line-height: 115%;\"><span>Una prohibici\u00f3n amplia del \u201cincumplimiento universal\u201d, la pr\u00e1ctica de aumentar las tasas de inter\u00e9s de un consumidor por acciones no relacionadas con la tarjeta en cuesti\u00f3n;<\/span> <\/li>\n<li class=\"MsoNormal\" style=\"margin-bottom: 10pt; line-height: 115%;\"><span>Un requisito de que los pagos m\u00e1s all\u00e1 del pago m\u00ednimo mensual se apliquen a los saldos con la tasa de inter\u00e9s m\u00e1s alta;&nbsp; <\/span><\/li>\n<li class=\"MsoNormal\" style=\"margin-bottom: 10pt; line-height: 115%;\"><span>Prohibiciones de tarifas basadas en la forma de pago, ya sea tel\u00e9fono, correo, internet u otro;<\/span> <\/li>\n<li class=\"MsoNormal\" style=\"margin-bottom: 10pt; line-height: 115%;\"><span>Un requisito de que las tarifas est\u00e9n razonablemente relacionadas con los costos incurridos;<\/span> <\/li>\n<li class=\"MsoNormal\" style=\"margin-bottom: 10pt; line-height: 115%;\"><span>Un tope en las tarifas por exceso de l\u00edmite a una vez por per\u00edodo de facturaci\u00f3n;<\/span> <\/li>\n<li class=\"MsoNormal\" style=\"margin-bottom: 10pt; line-height: 115%;\"><span>Prohibici\u00f3n de cobrar intereses sobre las tasas;<\/span> <\/li>\n<li class=\"MsoNormal\" style=\"margin-bottom: 10pt; line-height: 115%;\"><span>Un requisito para eliminar las tasas de penalizaci\u00f3n despu\u00e9s de seis meses de buen comportamiento; y<\/span> <\/li>\n<li class=\"MsoNormal\" style=\"margin-bottom: 10pt; line-height: 115%;\"><span>L\u00edmites a la solicitaci\u00f3n agresiva de j\u00f3venes.<\/span> <\/li>\n<\/ul>\n<blockquote>\n<p class=\"MsoNormal\"><span style=\"font-size: small;\">\u201cEn un momento de turbulencia econ\u00f3mica, los trabajadores no deber\u00edan preocuparse de llevar una bomba de relojer\u00eda fiscal en la billetera. Pero con demasiada frecuencia lo son: en cualquier momento pueden verse afectados por tarifas injustas o ver que sus tasas de inter\u00e9s se disparan sin motivo alguno\u201d, dijo Merkley. \u201cCon el apoyo del presidente Obama, podemos desactivar estas bombas de tiempo y empoderar a los consumidores\u201d.<\/span><\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"<p>Washington, DC &ndash; President Barack Obama today met with executives of credit card companies and expressed his support for congressional efforts to strengthen credit card reforms through legislation.&nbsp; Oregon&rsquo;s Senator Jeff Merkley, a member of the Senate Banking, Housing and Urban Development Committee, wrote to the White House earlier this week urging the President to [&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-7163","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 Applauds Obama Endorsement of Credit Card Legislation - 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-applauds-obama-endorsement-of-credit-card-legislation\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley Applauds Obama Endorsement of Credit Card Legislation - Merkley\" \/>\n<meta property=\"og:description\" content=\"Washington, DC &ndash; President Barack Obama today met with executives of credit card companies and expressed his support for congressional efforts to strengthen credit card reforms through legislation.&nbsp; Oregon&rsquo;s Senator Jeff Merkley, a member of the Senate Banking, Housing and Urban Development Committee, wrote to the White House earlier this week urging the President to [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2009-04-23T16:43:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:11:50+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-applauds-obama-endorsement-of-credit-card-legislation\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Merkley Applauds Obama Endorsement of Credit Card Legislation\",\"datePublished\":\"2009-04-23T16:43:00+00:00\",\"dateModified\":\"2023-07-24T15:11:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/\"},\"wordCount\":390,\"keywords\":[\"Protecting Consumers, Taxpayers, and the Economy\"],\"articleSection\":[\"Press Releases\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/\",\"name\":\"Merkley Applauds Obama Endorsement of Credit Card Legislation - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2009-04-23T16:43:00+00:00\",\"dateModified\":\"2023-07-24T15:11:50+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/merkley-applauds-obama-endorsement-of-credit-card-legislation\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Merkley Applauds Obama Endorsement of Credit Card Legislation\"}]},{\"@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 Applauds Obama Endorsement of Credit Card Legislation - 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-applauds-obama-endorsement-of-credit-card-legislation\/","og_locale":"es_MX","og_type":"article","og_title":"Merkley Applauds Obama Endorsement of Credit Card Legislation - Merkley","og_description":"Washington, DC &ndash; 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