{"id":7236,"date":"2009-02-12T12:11:00","date_gmt":"2009-02-12T17:11:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-joins-effort-to-reform-and-strengthen-oversight-of-credit-card-industry\/"},"modified":"2023-07-24T11:11:55","modified_gmt":"2023-07-24T15:11:55","slug":"merkley-joins-effort-to-reform-and-strengthen-oversight-of-credit-card-industry","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-joins-effort-to-reform-and-strengthen-oversight-of-credit-card-industry\/","title":{"rendered":"Merkley se une al esfuerzo para reformar y fortalecer la supervisi\u00f3n de la industria de tarjetas de cr\u00e9dito"},"content":{"rendered":"
\n

Washington DC -<\/strong> El senador de Oreg\u00f3n, Jeff Merkley, ha copatrocinado legislaci\u00f3n para poner fin a pr\u00e1cticas peligrosas con tarjetas de cr\u00e9dito que han endeudado a muchos consumidores estadounidenses. La Ley de Rendici\u00f3n de Cuentas, Responsabilidad y Divulgaci\u00f3n de Tarjetas de Cr\u00e9dito (CARD, por sus siglas en ingl\u00e9s), patrocinada por el presidente del Comit\u00e9 Bancario, Chris Dodd, fortalecer\u00e1 la regulaci\u00f3n y la supervisi\u00f3n de la industria de tarjetas de cr\u00e9dito y endurecer\u00e1 las reglas para prohibir pr\u00e1cticas injustas y enga\u00f1osas, como aumentos repentinos en las tasas de inter\u00e9s de los titulares de tarjetas. en regla y facturaci\u00f3n de doble ciclo.<\/span><\/span><\/p>\n

El senador Merkley, miembro de la <\/span>El Comit\u00e9 Senatorial de Banca, Vivienda y Asuntos Urbanos tambi\u00e9n participar\u00e1 en una audiencia del comit\u00e9 m\u00e1s tarde hoy enfocada en fortalecer las protecciones de las tarjetas de cr\u00e9dito para los consumidores.<\/span><\/span><\/p>\n

\n

\u201cEstoy orgulloso de unirme al Senador Dodd en la presentaci\u00f3n del<\/span> Ley de Responsabilidad, Responsabilidad y Divulgaci\u00f3n de Tarjetas de Cr\u00e9dito\u201d, dijo Merkley. \u201cDemasiados estadounidenses se han visto en dificultades financieras debido a pol\u00edticas injustas ocultas en la letra peque\u00f1a de los estados de cuenta de sus tarjetas de cr\u00e9dito. La Ley CARD ayuda a remediar estos problemas\u201d.<\/span><\/span><\/p>\n<\/blockquote>\n

La Ley CARD ayudar\u00e1 a los consumidores al: <\/span><\/p>\n

    \n
  • Fortalecimiento de la Vigilancia y Supervisi\u00f3n de la Industria de Tarjetas de Cr\u00e9dito<\/span><\/span><\/span><\/strong> <\/li>\n<\/ul>\n

    La Ley CARD mejora la recopilaci\u00f3n de datos y permite que los reguladores financieros federales regulen pr\u00e1cticas desleales o enga\u00f1osas.<\/span><\/p>\n

      \n
    • Prevenci\u00f3n de aumentos \u201cen cualquier momento y por cualquier motivo\u201d en las tasas de inter\u00e9s y los plazos <\/span><\/span><\/span><\/strong><\/li>\n<\/ul>\n

      La Ley CARD impide que las empresas aumenten las tasas de inter\u00e9s sin motivo alguno. Pone fin a los cambios unilaterales en los acuerdos de tarjetas de cr\u00e9dito y permite que los clientes que cierran sus cuentas paguen seg\u00fan los t\u00e9rminos que existen en el momento en que se cierra la cuenta. Tambi\u00e9n requiere que cualquier aumento de la tasa de inter\u00e9s se aplique solo a futuras deudas de tarjetas de cr\u00e9dito.<\/span><\/p>\n

        \n
      • Requerimiento de equidad en la aplicaci\u00f3n de pagos con tarjeta<\/span><\/strong><\/span><\/span><\/span> <\/li>\n<\/ul>\n

        La Ley CARD requiere que los pagos se apliquen primero al saldo de la tarjeta de cr\u00e9dito con la tasa de inter\u00e9s m\u00e1s alta y proh\u00edbe a los emisores establecer fechas l\u00edmite para los pagos con tarjeta de cr\u00e9dito temprano en la ma\u00f1ana.<\/span><\/p>\n

          \n
        • Protecci\u00f3n de los derechos de los usuarios de tarjetas de cr\u00e9dito financieramente responsables<\/span><\/span><\/span><\/strong> <\/li>\n<\/ul>\n

          La Ley CARD proh\u00edbe los cargos por intereses cuando la deuda se paga a tiempo y los cargos por pagos atrasados cuando el emisor de la tarjeta se demora en acreditar el pago. Requiere que los estados de cuenta se env\u00eden por correo 21 d\u00edas antes de la fecha de vencimiento de la factura en lugar de los 14 d\u00edas actuales, as\u00ed como el cr\u00e9dito del mismo d\u00eda para el pago en las sucursales locales.                                                                                                  <\/span><\/p>\n

            \n
          • Prohibici\u00f3n de tasas y cargos exorbitantes e innecesarios<\/span><\/span><\/span><\/strong> <\/li>\n<\/ul>\n

            La Ley CARD proh\u00edbe el inter\u00e9s en las tarifas de transacci\u00f3n y evita m\u00faltiples tarifas por exceso. Tambi\u00e9n requiere que los emisores ofrezcan a los consumidores la opci\u00f3n de operar bajo un l\u00edmite de cr\u00e9dito fijo.                                                                                              <\/span><\/p>\n

              \n
            • Proporcionar divulgaciones mejoradas de los t\u00e9rminos y condiciones de la tarjeta<\/span><\/span><\/span><\/strong> <\/li>\n<\/ul>\n

              La Ley CARD requiere que los tarjetahabientes reciban un aviso de 45 d\u00edas sobre cualquier aumento en la tasa de inter\u00e9s y proporcionen informaci\u00f3n cuando cambien los t\u00e9rminos de la tarjeta. Tambi\u00e9n requiere la divulgaci\u00f3n completa de las fechas de vencimiento del pago y las multas por pago atrasado aplicables en los estados de cuenta.<\/span><\/p>\n

                \n
              • Garantizar salvaguardias adecuadas para los j\u00f3venes<\/span><\/span><\/span><\/strong> <\/li>\n<\/ul>\n

                La Ley CARD requiere una prueba adicional de responsabilidad por deudas para cualquier persona menor de 21 a\u00f1os que solicite una tarjeta de cr\u00e9dito. Tambi\u00e9n limita las ofertas de tarjetas de cr\u00e9dito preseleccionadas a los j\u00f3venes.<\/span><\/p>\n

                \n

                \u201cEn los \u00faltimos a\u00f1os, ha habido pocos incentivos para que los prestamistas antepongan el bienestar de los consumidores estadounidenses a los m\u00e1rgenes de beneficio. Esta cultura de ganancias sobre las personas ha contribuido a la crisis financiera actual y ha da\u00f1ado el bienestar financiero de millones de familias trabajadoras\u201d, dijo Merkley. \u201cSi no se controlan las pr\u00e1cticas actuales de las tarjetas de cr\u00e9dito, la grave crisis crediticia que enfrenta la naci\u00f3n promete convertirse en una terrible crisis crediticia. Con el apoyo del resto del Senado, la ley CARD traer\u00e1 la tan necesaria responsabilidad y supervisi\u00f3n a la industria de las tarjetas de cr\u00e9dito\u201d.<\/span><\/span><\/span><\/p>\n<\/blockquote>\n<\/div>","protected":false},"excerpt":{"rendered":"

                Washington D.C. – Oregon’s Senator Jeff Merkley has co-sponsored legislation to end dangerous credit card practices that have buried many American consumers in debt.  The Credit Card Accountability, Responsibility and Disclosure (CARD) Act, sponsored by Banking Committee Chairman Chris Dodd, will strengthen regulation and oversight of the credit card industry and tighten the rules to […]<\/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-7236","post","type-post","status-publish","format-standard","hentry","category-press-releases","tag-protecting-consumers-taxpayers-and-the-economy"],"acf":[],"yoast_head":"\nMerkley Joins Effort to Reform and Strengthen Oversight of Credit Card Industry - 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-joins-effort-to-reform-and-strengthen-oversight-of-credit-card-industry\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Merkley Joins Effort to Reform and Strengthen Oversight of Credit Card Industry - 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