{"id":2240,"date":"2021-03-25T16:21:51","date_gmt":"2021-03-25T21:21:51","guid":{"rendered":"http:\/\/cop-legal.com\/?p=2240"},"modified":"2021-03-26T10:13:54","modified_gmt":"2021-03-26T15:13:54","slug":"ley-que-protege-de-la-usura-a-los-consumidores-de-los-servicios-financieros","status":"publish","type":"post","link":"https:\/\/cop-legal.com\/en\/ley-que-protege-de-la-usura-a-los-consumidores-de-los-servicios-financieros\/","title":{"rendered":"Ley que protege de la usura a los consumidores de los servicios financieros"},"content":{"rendered":"

Con fecha 18 de marzo de 2021 se public\u00f3 en el Diario Oficial El Peruano, la Ley No. 31143, ley que protege de la usura a los consumidores de los servicios financieros, donde se han establecido topes a las tasas de inter\u00e9s cobradas por las entidades del sistema financiero.
\nLas principales disposiciones son las siguientes:<\/p>\n

\"\"<\/a><\/p>\n

    \n
  1. El Banco Central de Reserva del Per\u00fa (en adelante, BCR) ser\u00e1 quien fije las tasas de inter\u00e9s activas m\u00e1ximas para las operaciones de cr\u00e9dito se\u00f1aladas en el literal c) del inciso 3 del art\u00edculo 221 de la Ley General del Sistema Financiero y del Sistema de Seguros y Org\u00e1nica de la Superintendencia de Banca y Seguros.<\/li>\n
  2. Las tasas de inter\u00e9s moratorio aplicables ser\u00e1n las mismas que el BCR fije para las operaciones que sean ajenas al sistema financiero. Ha quedado prohibida la capitalizaci\u00f3n de intereses y el cobro de penalidades u otras comisiones o gastos, adem\u00e1s de los intereses moratorios.<\/li>\n
  3. En operaciones en las que se cuenta con un seguro de desgravamen, la entidad financiera debe ofrecer al usuario una alternativa adicional de seguro de desgravamen con rescate o devoluci\u00f3n, adem\u00e1s de ello, el cliente podr\u00e1 optar por contratar un seguro de desgravamen independiente, lo que no deber\u00e1 generar comisiones o costos adicionales para el cliente.<\/li>\n
  4. La comisi\u00f3n de membres\u00eda en tarjetas de cr\u00e9dito procede s\u00f3lo si as\u00ed lo acuerdan las partes.<\/li>\n
  5. La norma elimina la comisi\u00f3n interplaza en los contratos de tarjeta de d\u00e9bito por retiro de dinero en efectivo a trav\u00e9s de un cajero autom\u00e1tico del propio banco o en ventanillas de atenci\u00f3n en una localidad distinta a la ciudad donde abri\u00f3 la cuenta bancaria el usuario.<\/li>\n<\/ol>\n

    www.cop-legal.com<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

    Con fecha 18 de marzo de 2021 se public\u00f3 en el Diario Oficial El Peruano, la Ley No. 31143, ley que protege de la usura a los consumidores de los servicios financieros, donde se han establecido topes a las tasas […]<\/p>\n","protected":false},"author":5,"featured_media":2241,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[],"tags":[],"class_list":["post-2240","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"yoast_head":"\nLey que protege de la usura del consumidor de los servicios financieros<\/title>\n<meta name=\"description\" content=\"Ley No. 31143, ley donde se han establecido topes a las tasas de inter\u00e9s cobradas por las entidades del sistema financiero.\" \/>\n<meta name=\"robots\" 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