commissions no longer must pay (bank) Thursday, April 21, 2011
MEASURE. WITH THE RELEASE OF NEW REGULATIONS OF TRANSPARENCY IN MAY SBS
financial institutions eliminate commissions payments excluded
collection management in addition to the default
Prequalification of the draft standard and is ending
Superintendent of Banca, Seguros y AFP (SBS) will take effect in May new regulations on transparency that will eliminate the collection of a group of committees by financial institutions, said the manager of Goods and Services Users of the regulator, Giovanna Prialé.
"The pre-qualification stage of the draft regulations and is about to end and then gather the comments and observations, which will publish the new regulations starting document which came into force in 2005."
He said the initial rules established a commission whose charge is prohibited and the project plans to add six new commissions.
The first commission to eliminate prepayment is that although he was excluded in the existing regulation in this new version will be specified not able to make any extra payment of debts by advances from customers.
addition, eliminate management fees additional collections to interest arrears and charges for the issuance and delivery of the first record of no debts from the cancellation of a loan.
commission also exclude deposits by reference to the Deposit Insurance Fund, charges for withdrawing money in squares of the same company and the membership fee.
"There are some financial institutions have been proactive and have begun to eliminate these fees as a result of competition in the market." Adequacy
Prialé
said the new regulation will also have provisions to adjust the financial system to the Code and Consumer Protection.
said that the SBS, in his permanent desire to protect the interests of consumers, has conducted an oversight of existing charges in the market for many years, and this time has published a draft regulation.
said that this new regulation will allow customers on a permanent basis, with more and clearer information on fees to be paid.
"It will help financial companies to enter into a permanent stage reassessment of what is charged an additional service.
stressed that financial institutions can not charge a commission which is prohibited by the SBS and if that happens, will be punished.
stops at interest rates of loans
The SBS could produce a bill capping interest rates on loans provided that the members of Congress are interested in approving it, said the head of the supervisory authority, Philip Tam.
"If the lords Congressmen have to either approve and amend the legislation, I will fulfill the law. We can make an initiative in this regard ".
said that in Colombia, the authorities decided to put a cap of 60 percent to interest rates, and in the case of the Peruvian market cap that would depend on demand.
During his presentation to the Committee on Economy, Banking, Finance and Financial Intelligence Congress, said that the setting of interest rates is free in the free market theory.
"unless lawmakers take out a law that eliminates the free market theory, I can not tell a bank that charges what's becoming."
But he said that products such as mortgages and credit cards have interest rates are much lower than they were five years ago. New banks
1 The SBS reported that Banco Itau of Brazil and the bank Bancolombia soon plan to begin operations in the Peruvian market.
2 Tam explained that the Banco Itaú has a representative office and is evaluating the Peruvian market and then arrange an appropriate license.
3 Bancolombia is requesting authorization to implement a finance company in Peru and already has several companies in the country engaged in leasing (leasing) and the trust, but his intention is to establish a bank.
4 The Industrial and Commercial Bank of China (ICBC) in Peru have filed their application for organization, which is evaluated by the SBS.
Wednesday, April 13, 2011
pm 5:14 pm SBS 6 eliminate unfair bank fees in May
The new regulations also have provisions to bring the financial system to the Code and Consumer Protection enter into force in May last modification to the regulations on transparency and consumer protection that will eliminate the unfair collection of six committees that had been applying the users to financial institutions, announced the head of the Superintendency of Banking and Insurance AFP (SBS) Felipe Tam. "He is now in its early pre-publication rule Transparency and Consumer Protection, and it is also nearing completion. The SBS has the healthy habit of posting (standards) for 30 days for the market players and the general public to formulate their contributions to these projects in the superintendency " said.
The initial regulation published in 2005 set the improper collection of a group of 12 committees, which, once issued the amending the rules, you will add 6 extra.
The standard will eliminate the prepayment fee in all its variants, collection management fees additional interest charges on arrears, charges for the issuance and delivery of the first record of not cancellation of debt by a credit for credit products.
commission also deleted the reference to deposits to the Deposit Insurance Fund, charges for withdrawing money squares of the same company and membership fee.
However, the representative of the supervisory body said some banks have been removing these charges before the rule goes live.
"The BCP took the initiative to eliminate many of the gowns and as the lead bank will follow. Only 4 types of fees charged. There were commissions when requested or had need for cash and credit card used to withdraw cash, banks are charged to the final as it was a high rate was business for banks, "he said.
The new regulations also have provisions to adjust the financial system to the Code and Consumer Protection.
PERU21.PE
8:15 Economy
Thu. 06 MAY '10Las committees that no longer must pay
From 1 April, eliminated 11 charges charged by banks to people who have a credit card. Find out here.
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Financial institutions that do not meet standard will be punished. (Venelogia.com) Vanessa
Cabanillas
carefully and thoroughly inspect statements of their claims, either in cash or cards. La Superintendencia de Banca, Seguros y AFP (SBS) has identified 11 bills that financial institutions make to their customers and do not have the status of commissions or expenses, so you have to be eliminated.
"has begun a process of clarification of the charges because many were not justified," said Mila Guillén, head of regulation SBS.
The Superintendent issued a rule prohibiting that from April 1, banks, municipal banks and rural financial Edpymes and made these charges considered improper.
also noted that the SBS will conduct a series of actions to ensure that these institutions comply with the provision.
* ALSO COMES ... * Amendments to emphasize that supervision is carried out in the Regulation of Financial System Transparency and Law Complementary to the Consumer Protection in Financial Services. Also, it was decided that financial institutions should include all relevant information on the use of credit cards statements of consumers.
"If a customer has made purchases in installments, or if you have chosen the revolving mode, or if you have made cash available, the entity will detail what type of debt paid first," notes the official .
Similarly, on the reverse side of the statement will be required to indicate how long it will take a client to cancel a debt if you only make the minimum payment. "What is sought is to avoid the disproportionate growth of debt, lack of knowledge of the client or did not properly negotiated contract with a particular business," says.
These two provisions will apply from July this year and will apply for new credit. "* The rule is not retroactive *" says Guillén. It therefore recommends that users take advantage of the annual renewal of credit cards to negotiate better credit terms with the bank of your choice.
Eye! Do not accept that the bank may charge you for:
1. The disbursement of credit.
2. Credit evaluation.
3. The lifting of the mortgage.
4. Issuing a statement that no debt.
5. The processing of claims, and have been declared inadmissible.
6. Consultations credit bureaus, as part of credit evaluation.
7. Additional maintenance charges or administration of savings accounts active or inactive.
8. Proceeds from issuance and delivery of statements (where it has been agreed with the client that issued or sent to the home).
9. Charge for returning a check to the person to whom it is turned.
10. Charge for payment of obligations after the expiration date, in addition to default interest or penalties.
11. Charge for the first record of no debts from the cancellation of a loan (quota system).
Where to report an abuse charge
◦ The Customer Advocate Financial. Free consultations to 0-800-1-6777
◦ Indecopi. Inquiries and complaints to (01) 224-7777 ◦
Customer Care Platform for the SBS. Inquiries and complaints to 0-800-10-840
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