The Consumer protection commission and regulatory bodies of public services approved, this Monday, December 4, Bill 6024/2023-CR, that establishes the deadline for the delivery of the proof of cancellation of the credits. The proposal had 11 votes in favor and 3 against, so it was approved by a majority and will go to debate in the Plenary Session of Congress.
During the presentation, Congressman Wilson Soto Palacios, promoter of the PL, specified that the entities that grant credits demand from their consumers the payment of obligations already satisfied because their computer systems They do not record cancellations in a timely manner.
Furthermore, the delay in issuing the certificates of non-debt requested by users does not comply with the time stipulated by the SBS regulations, generating inconveniences where citizens may even be reported to public and private risk centers.
“The proposed modification establishes that without the user having to submit a request, the financial entity will issue the certificate of cancellation of credits. Although the current Consumer Protection and Defense Code legislated in favor of its existence, in practice it is not executed in an ideal manner, causing inconvenience to consumers. Failure to comply with the obligation on the part of the banks would result in a sanction from SBS,” Soto explained during the commission.
To prepare the prediction, the opinions of the Superintendence of Banking and Insurance of Peru were taken into consideration. (SBS)Association of Banks of Peru (ASBANC) and National Institute for the Defense of Competition and the Protection of Intellectual Property (Indecopi).
How would the modified article look?
The Bill proposes the modification of article 43 of Law 29571, Consumer Protection and Defense Code as follows:
“Article 430 – Proof of cancellation of credits When consumers fully cancel an obligation in any financial or credit institution, they have the right to obtain their proof of cancellation, so the entity has the obligation to deliver said proof in physical or virtual within a maximum period of 72 hours after the total cancellation has been made. Failure to comply with the above gives rise to the imposition of the respective sanction in accordance with the provisions of the corresponding regulations of the Superintendency of Banking, Insurance and Private Fund Administrators of Pensions (SBS)”, can be read in the document.
Source: Larepublica
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