{"id":4618,"date":"2016-03-15T10:20:24","date_gmt":"2016-03-15T10:20:24","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/en\/?p=4618"},"modified":"2017-11-20T16:10:51","modified_gmt":"2017-11-20T16:10:51","slug":"operational-issues-for-abandoned-accounts","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/","title":{"rendered":"Operational issues for \u201cAbandoned Accounts\u201d"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/4618?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/4618?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p><span style=\"font-weight: 400;\">This bill regulates the transfer, chargeback and investment of funds deposited in accounts that have been abandoned. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Abandoned accounts were regulated under <\/span><a href=\"http:\/\/es.presidencia.gov.co\/normativa\/normativa\/LEY%201777%20DEL%2001%20DE%20FEBRERO%20DE%202016.pdf\"><span style=\"font-weight: 400;\">Law 1777\/2016<\/span><\/a><span style=\"font-weight: 400;\">, which defines them as current or savings accounts where no debit or credit movements have taken place for three years, i.e, no deposit, withdrawal or transfer of any kind of transaction during the entire period.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This draft indicates that entities holding \u201cabandoned accounts\u201d must send to The Colombian Educational Credit Institute <a href=\"http:\/\/www.icetex.gov.co\/dnnpro5\/en-us\/elicetex\/quienessomos.aspx\">(ICETEX<\/a>) a list with a breakdown of abandoned accounts and their balances, which will be transferred to a special fund under <\/span><span style=\"font-weight: 400;\">ICETEX<\/span><span style=\"font-weight: 400;\"> administration, with the money coming from the abandoned accounts being transferred as mutual funds. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The first transfer of such funds must take place no later than 1st August 2016, and thereafter every quarter. Subsequently, should any account holders wish to withdraw their money, the entities must let them do so in no more than one day, and should then request a chargeback from ICETEX. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Once the decree comes into force and until 30th June 2016, financial institutions must give information on the provisions of Law 1777\/2016 to their account holders with current or savings accounts that have not shown credit or debit movements for three years running, explaining that these will become applicable after 1st August 2016.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The bill also indicates that the transfer of balances against abandoned accounts to the special fund managed by ICETEX will not entail any change in the balances shown in the holders\u2019 statements, nor will it in any way restrict the holders\u2019 ability to draw money against their accounts. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The draft legislation also establishes that ICETEX will invest a percentage of the funds in sight and term deposits in financial institutions with AA+ or equivalent ratings. An auction will be held every 6 months to define which institutions will receive such sight deposits and every year for term deposits.<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>This bill regulates the transfer, chargeback and investment of funds deposited in accounts that have been abandoned. \u00a0 Abandoned accounts were regulated under Law 1777\/2016, which defines them as current or savings accounts where no debit or credit movements have taken place for three years, i.e, no deposit, withdrawal or transfer of any kind of [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":4616,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[942,619,365,943,1250,408,944],"class_list":["post-4618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-abandoned-accounts","tag-colombia-en-2","tag-financial-institutions","tag-funds-in-sight","tag-icetex-en-2","tag-savings","tag-term-deposits","numero-6-en","seccion-published-and-draft-legislation-microfinance","pais-colombia-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Operational issues for \u201cAbandoned Accounts\u201d<\/title>\n<meta name=\"description\" content=\"The bill regulates what must be done for the transfer, chargeback and investment of funds deposited in accounts that have been abandoned. \u00a0This bill regulates what must be done for the transfer, chargeback and investment of funds deposited in accounts that have been abandoned. Abandoned account\" \/>\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.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Operational issues for \u201cAbandoned Accounts\u201d\" \/>\n<meta property=\"og:description\" content=\"The bill regulates what must be done for the transfer, chargeback and investment of funds deposited in accounts that have been abandoned. \u00a0This bill regulates what must be done for the transfer, chargeback and investment of funds deposited in accounts that have been abandoned. Abandoned account\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/\" \/>\n<meta property=\"og:site_name\" content=\"Progreso\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fundacionmicrofinanzasbbva\" \/>\n<meta property=\"article:published_time\" content=\"2016-03-15T10:20:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-11-20T16:10:51+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/03\/becasicetex1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"925\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"karessa Ramos\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:site\" content=\"@FMBBVA\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"karessa Ramos\" \/>\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.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/\"},\"author\":{\"name\":\"karessa Ramos\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#\/schema\/person\/4a3fe64f7988998aa5e22913c8147baf\"},\"headline\":\"Operational issues for \u201cAbandoned Accounts\u201d\",\"datePublished\":\"2016-03-15T10:20:24+00:00\",\"dateModified\":\"2017-11-20T16:10:51+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/\"},\"wordCount\":313,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/03\/becasicetex1.jpg\",\"keywords\":[\"abandoned accounts\",\"Colombia\",\"financial institutions\",\"funds in sight\",\"ICETEX\",\"savings\",\"term deposits\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/\",\"url\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/\",\"name\":\"Operational issues for \u201cAbandoned Accounts\u201d\",\"isPartOf\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/operational-issues-for-abandoned-accounts\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2016\/03\/becasicetex1.jpg\",\"datePublished\":\"2016-03-15T10:20:24+00:00\",\"dateModified\":\"2017-11-20T16:10:51+00:00\",\"description\":\"The bill regulates what must be done for the transfer, chargeback and investment of funds deposited in accounts that have been abandoned. \u00a0This bill regulates what must be done for the transfer, chargeback and investment of funds deposited in accounts that have been abandoned. 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