{"id":2692,"date":"2015-12-14T09:07:47","date_gmt":"2015-12-14T09:07:47","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=2692"},"modified":"2017-11-30T10:12:32","modified_gmt":"2017-11-30T10:12:32","slug":"reforma-al-regimen-de-habeas-data-financiero","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/reforma-al-regimen-de-habeas-data-financiero\/","title":{"rendered":"Reforma al r\u00e9gimen de Habeas Data financiero"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/2692?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=\"Ver PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/2692?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=\"Imprimir contenido\" \/><\/a><\/div><p>El Congreso estudia en el Proyecto de Ley 095 de 2015 una reforma a la <a href=\"http:\/\/www.alcaldiabogota.gov.co\/sisjur\/normas\/Norma1.jsp?i=34488\">Ley 1266 de 2008<\/a>, relativa al manejo de informaci\u00f3n financiera, crediticia, comercial, de servicios y la proveniente de terceros pa\u00edses (Habeas Data Financiero). Los puntos a modificar ser\u00edan los siguientes:<\/p>\n<ul>\n<li>Reducir el tiempo de permanencia m\u00e1ximo del reporte negativo de 4 a 2 a\u00f1os cuando hay pago de la deuda, manteniendo el tiempo de 5 a\u00f1os cuando no se cancela de manera definitiva.<\/li>\n<li>El pago de obligaciones inferiores a 1 Salario M\u00ednimo Mensual Legal Vigente (COP $644.350 = USD $215 Aprox.), generar\u00e1 la eliminaci\u00f3n inmediata del reporte negativo.<\/li>\n<li>El retiro del reporte negativo debe generar de manera inmediata una mejora en la calificaci\u00f3n del cliente.<\/li>\n<li>La consulta de informaci\u00f3n en centrales de riesgo no reducir\u00e1 la calificaci\u00f3n del titular. Hoy en d\u00eda un alto nivel de consulta de la informaci\u00f3n contenida en centrales de riesgo conlleva una disminuci\u00f3n de la calificaci\u00f3n. Este cambio tambi\u00e9n se busca en el Proyecto de Ley 066 de 2015 de la C\u00e1mara de Representantes.<\/li>\n<li>Se establecen plazos especiales para eliminaci\u00f3n del reporte negativo de quienes paguen sus deudas cuando entre en vigencia la norma.<\/li>\n<\/ul>\n<p><strong>El reporte negativo como barrera de acceso al cr\u00e9dito<\/strong><\/p>\n<p>Esta norma busca evitar que personas que hayan incumplido obligaciones con el sector financiero queden por mucho tiempo aisladas de la posibilidad de acceder a un cr\u00e9dito.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Congreso estudia en el Proyecto de Ley 095 de 2015 una reforma a la Ley 1266 de 2008, relativa al manejo de informaci\u00f3n financiera, crediticia, comercial, de servicios y la proveniente de terceros pa\u00edses (Habeas Data Financiero). Los puntos a modificar ser\u00edan los siguientes: Reducir el tiempo de permanencia m\u00e1ximo del reporte negativo de [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":2694,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[137,251,250,208,212,249],"class_list":["post-2692","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-informacion","tag-calificacion-de-riesgo","tag-centrales-de-riesgo","tag-colombia","tag-habeas-data","tag-reporte-negativo","numero-5m","seccion-legislacion-normas-publicadas-gobierno-corporativo","pais-colombia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reforma al R\u00e9gimen de Habeas Data Financiero<\/title>\n<meta name=\"description\" content=\"Reforma a las normas relativas al reporte negativo en 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