{"id":753919,"date":"2025-06-12T06:28:20","date_gmt":"2025-06-12T11:28:20","guid":{"rendered":"https:\/\/caretas.pe\/?p=753919"},"modified":"2025-06-12T06:28:20","modified_gmt":"2025-06-12T11:28:20","slug":"congreso-mantiene-vigente-ley-contra-la-usura-financiera","status":"publish","type":"post","link":"https:\/\/ebrucemo.com\/caretas\/?p=753919","title":{"rendered":"Congreso mantiene vigente ley contra la usura financiera"},"content":{"rendered":"\n<p>En una ajustada votaci\u00f3n, el Pleno del Congreso de la Rep\u00fablica decidi\u00f3 no derogar la Ley N.\u00ba 31143, norma que protege a los usuarios frente a pr\u00e1cticas de usura financiera. La propuesta fue rechazada en segunda votaci\u00f3n con 46 votos en contra, 44 a favor y 4 abstenciones, manteni\u00e9ndose as\u00ed vigente la actual regulaci\u00f3n sobre l\u00edmites a las tasas de inter\u00e9<\/p>\n\n\n\n<p>El dictamen rechazado inclu\u00eda modificaciones a los contratos de tarjetas de d\u00e9bito y cr\u00e9dito, as\u00ed como la eliminaci\u00f3n de ciertas comisiones bancarias, como el cobro por retiros interplaza y la membres\u00eda en tarjetas de cr\u00e9dito sin consentimiento expreso del usuario. Tambi\u00e9n contemplaba sanciones a entidades que incumplieran estas disposiciones, bajo supervisi\u00f3n de la SBS.<\/p>\n\n\n\n<p>Cabe recordar que esta iniciativa fue discutida por primera vez en diciembre de 2024, pero al tratarse de la derogaci\u00f3n de una ley de protecci\u00f3n al consumidor, requer\u00eda una segunda votaci\u00f3n. Finalmente, el intento legislativo no obtuvo el respaldo necesario, dejando sin efecto la reforma propuesta.<\/p>\n\n\n\n<p>Promulgada en 2021, la Ley 31143 ha sido considerada un avance en la defensa de los consumidores financieros, al establecer l\u00edmites claros a los intereses aplicables en productos como pr\u00e9stamos, tarjetas de cr\u00e9dito y otros servicios bancarios. Su vigencia contin\u00faa como parte del marco legal que regula las relaciones entre bancos y usuarios.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-caretas wp-block-embed-caretas\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"ose-caretas ose-uid-9e6e43107334ef95fdceba36e32b0f60 ose-embedpress-responsive\" style=\"width:600px; height:550px; max-height:550px; max-width:100%; display:inline-block;\"><blockquote class=\"wp-embedded-content\" data-secret=\"5CFDVTLFMu\"><a href=\"https:\/\/caretas.pe\/politica\/piden-vacancia-de-boluarte-por-cirugia-estetica\/\">Piden vacancia de Boluarte por cirug\u00eda est\u00e9tica<\/a><\/blockquote><iframe allowFullScreen=\"true\" title=\"\u00abPiden vacancia de Boluarte por cirug\u00eda est\u00e9tica\u00bb \u2014 Caretas\" sandbox=\"allow-modals allow-scripts allow-same-origin allow-popups allow-popups-to-escape-sandbox\" security=\"restricted\" src=\"https:\/\/caretas.pe\/politica\/piden-vacancia-de-boluarte-por-cirugia-estetica\/embed\/#?secret=5CFDVTLFMu\" width=\"600\" height=\"550\" data-secret=\"5CFDVTLFMu\" frameborder=\"0\" marginwidth=\"600\" marginheight=\"550\" scrolling=\"no\" class=\"wp-embedded-content\"><\/iframe><script type=\"text\/javascript\">\/* <![CDATA[ *\/\/*! 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