{"id":5112,"date":"2016-06-09T15:05:18","date_gmt":"2016-06-09T15:05:18","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=5112"},"modified":"2017-11-20T10:37:20","modified_gmt":"2017-11-20T10:37:20","slug":"nueva-lista-clausulas-practicas-abusivas-sector-financiero","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/nueva-lista-clausulas-practicas-abusivas-sector-financiero\/","title":{"rendered":"Cl\u00e1usulas y pr\u00e1cticas abusivas en el sector financiero"},"content":{"rendered":"
\"image_pdf\"<\/a>\"image_print\"<\/a><\/div>

La Superintendencia de Colombia (SFC), a partir de las reclamaciones presentadas por los consumidores financieros, ha identificado determinadas cl\u00e1usulas o pr\u00e1cticas que, en su criterio, colisionan con\u00a0los derechos de los consumidores.<\/span><\/p>\n

As\u00ed, con el objeto de incorporar nuevas pr\u00e1cticas y cl\u00e1usulas abusivas en el R\u00e9gimen de Protecci\u00f3n al Consumidor Financiero, esta entidad ha expedido una circular mediante la cual se actualiza y modifican algunas instrucciones en esta materia.<\/span><\/p>\n

Entre otras, se califican como cl\u00e1usulas abusivas las siguientes:<\/span><\/p>\n

    \n
  1. Las que facultan a las entidades a contratar seguros por cuenta del deudor sin que le sean informadas previamente las condiciones m\u00ednimas de este producto financiero.<\/span><\/li>\n
  2. Las que limitan el pago anticipado de obligaciones y\/o a elegir la forma de aplicaci\u00f3n de tales pagos.<\/span><\/li>\n
  3. Las que trasladan al consumidor financiero la responsabilidad por transacciones realizadas con clave asignada.<\/span><\/li>\n
  4. Las que autorizan a compartir datos de los consumidores, sin que exista para el efecto autorizaci\u00f3n previa de sus titulares.<\/span><\/li>\n
  5. Las que permiten ofrecer tasas de inter\u00e9s promocionales y no mantenerlas durante todo el t\u00e9rmino de la promoci\u00f3n.<\/span><\/li>\n
  6. Las que imponen mayores requisitos para la cancelaci\u00f3n de productos que para su apertura.<\/span><\/li>\n
  7. Las que exoneran de responsabilidad a las entidades por la realizaci\u00f3n de transacciones a terceros no autorizados, pago de cheques falsos o cheques que no cumplan las condiciones m\u00ednimas para su pago.<\/span><\/li>\n
  8. Las que permiten acelerar el cobro de una obligaci\u00f3n sin notificaci\u00f3n previa al deudor.<\/span><\/li>\n<\/ol>\n

    Por su parte, las nuevas instrucciones de la SFC contemplan como pr\u00e1cticas abusivas:<\/span><\/p>\n

      \n
    1. Realizar venta cruzada\u00a0de productos y\/o servicios financieros.<\/span><\/li>\n
    2. Renovaciones de productos sin autorizaci\u00f3n expresa del cliente.<\/span><\/li>\n
    3. Exigir el pago de gestiones de cobranza sin prueba de dicha gesti\u00f3n.<\/span><\/li>\n
    4. Cobro de certificaciones cuando las mismas se requieren para efectuar un pago anticipado de un cr\u00e9dito.<\/span><\/li>\n
    5. No entregar condiciones de p\u00f3lizas colectivas cuando un asegurado o beneficiario las requiera.<\/span><\/li>\n
    6. Obligar al consumidor financiero a certificar que se encuentra en un computador seguro para la realizaci\u00f3n de transacciones por internet<\/span><\/li>\n<\/ol>\n

      Cualquier entidad financiera podr\u00e1 ser sujeto de investigaci\u00f3n y ser sancionada si se comprueba que en su operaci\u00f3n se ejecutaron pr\u00e1cticas abusivas y\/o se \u00a0incluyeron cl\u00e1usulas abusivas en sus contratos.<\/span><\/p>\n

       <\/p>\n

       <\/p>\n","protected":false},"excerpt":{"rendered":"

      La Superintendencia de Colombia (SFC), a partir de las reclamaciones presentadas por los consumidores financieros, ha identificado determinadas cl\u00e1usulas o pr\u00e1cticas que, en su criterio, colisionan con\u00a0los derechos de los consumidores. As\u00ed, con el objeto de incorporar nuevas pr\u00e1cticas y cl\u00e1usulas abusivas en el R\u00e9gimen de Protecci\u00f3n al Consumidor Financiero, esta entidad ha expedido una […]<\/p>\n","protected":false},"author":30,"featured_media":5119,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[122,104,1215,208,1216],"class_list":["post-5112","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-proteccion-al-consumidor","tag-transparencia","tag-clausulas-abusivas","tag-colombia","tag-practicas-abusivas","numero-7m","seccion-legislacion-normas-publicadas-microfinanzas","pais-colombia"],"acf":[],"yoast_head":"\nCl\u00e1usulas y pr\u00e1cticas abusivas en el sector financiero<\/title>\n<meta name=\"description\" content=\"La Superintendencia Financiera de Colombia actualiz\u00f3 instrucciones acerca de las cl\u00e1usulas y pr\u00e1cticas abusivas, cuyo pacto y 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