{"id":7474,"date":"2017-06-13T09:16:28","date_gmt":"2017-06-13T09:16:28","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=7474\/"},"modified":"2017-11-16T16:01:17","modified_gmt":"2017-11-16T16:01:17","slug":"regulation-for-payday-accounts","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/regulation-for-payday-accounts\/","title":{"rendered":"Regulation for payday accounts"},"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\/7474?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\/7474?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;\">The Board of Directors of Paraguay\u2019s central bank (BCP) has approved regulation to regulate payday accounts, so that financial institutions offer quality products at an affordable cost. It also aims to promote transparency and increase the number of people in Paraguay with bank accounts and operating within the financial system.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The regulation sets the minimum conditions and criteria to be met by financial intermediation institutions and electronic money entities regulated by the BCP that provide payday and loan services using these accounts.<\/span><\/p>\n<p><b>Financial institutions<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The accounts may be used for deposits, loan disbursement, payments, electronic transfers and any other transaction that has been previously and expressly authorised by the account beneficiary.<\/span><\/p>\n<ul>\n<li><b>Deposits <\/b><span style=\"font-weight: 400;\">may be paid in with no limit to the number of transactions and at no cost, through agents or branches (with no limits on the sum involved), ATMs (provided that the institution has an operational deposits-feature), non-banking correspondents (within the daily limits set by the disbursing institution), etc. Furthermore, the deposits paid into these accounts will be underwritten by the Deposit Guarantee Fund.<\/span><\/li>\n<li>Institutions offering <b>withdrawal and payment services<\/b><span style=\"font-weight: 400;\"> through ATMs and\/or non-banking correspondents should provide at least 10 withdrawals or queries a month at no cost. Charges (restrictions or fees on overdrafts) for using other entities\u2019 ATMs will be decided at the paying entity\u2019s discretion.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">All account authorisations, acceptances, instructions and transactions may be carried out on-line and\/or digitally, including those using the beneficiary\u2019s electronic or digital signature.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Institutions should also provide the account holder with a debit card or other device, at no cost, for withdrawals from ATMs and purchases using dataphones. They may only opt not to issue such cards if other more modern mechanisms can be used for the same ends, in which case the card will be issued at the account holder\u2019s request and for a cost.<\/span><\/p>\n<p><b>Electronic-money institutions<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Accounts may be used to carry out transactions that have been adapted to e-money accounts, in accordance with current law, but under no circumstances may these entities originate credits or loans to the account holders. They will not bear interest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If the beneficiary\u2019s wages cross the upper threshold set for these electronic-money accounts, the funds should be transferred to a sight account in the financial institution selected by that beneficiary.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Deposits and\/or credits in lieu of wages in the account may be paid in without limits on their value and at no cost, through the institution\u2019s points of sale, ATMs and self-service terminals.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The institution must make available points of sale for withdrawals and payments; beneficiaries may make 10 such transactions a month at no cost.<\/span><\/li>\n<\/ul>\n<p><b>General provisions<\/b><\/p>\n<p><span style=\"font-weight: 400;\">There will be no minimum balance requirement when opening a payday account, or any ongoing average balance minimum, and the account may be totally or partly exempt from fees, costs and expenses, depending on each case. \u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In order to open an account, payees must supply information in electronic-file format, using a Single Contract Mode, about the contract signed between the payee and the disbursing entity, including information about the account beneficiaries\u2019 identity document number, private and work address, telephone, town, gender, civil status, nationality, etc.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Those disbursing entities that choose to offer these products should inform the Banking Authority that they are going to provide the service, enclosing a copy of the Single Contract Model within 60 working days, which the beneficiary will sign for approval.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The institutions must, at the very least, provide their customers a mechanism for balance queries, free of charge.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This regulation will come into force on 1st July 2017.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Board of Directors of Paraguay\u2019s central bank (BCP) has approved regulation to regulate payday accounts, so that financial institutions offer quality products at an affordable cost. It also aims to promote transparency and increase the number of people in Paraguay with bank accounts and operating within the financial system. The regulation sets the minimum [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":7472,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[612,1531,2134,2093,2132,2133,671,457,493,2135,551,2136],"class_list":["post-7474","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-paraguay-en-2","tag-accounts","tag-banking-accounts","tag-banking-authority","tag-costs","tag-e-money","tag-electronic-money","tag-financial-inclusion","tag-financial-system","tag-payments","tag-remunerations","tag-single-contract-mode","numero-11-en","seccion-published-and-draft-legislation-microfinance","pais-paraguay-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Regulation for payday accounts<\/title>\n<meta name=\"description\" content=\"Regulation to regulate 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