{"id":475428,"date":"2026-10-09T16:27:12","date_gmt":"2026-10-09T16:27:12","guid":{"rendered":"https:\/\/diariodigitalrd.com\/?p=722770"},"modified":"2026-10-09T16:27:12","modified_gmt":"2026-10-09T16:27:12","slug":"superintendencia-de-bancos-busca-frenar-el-sobreendeudamiento-y-los-cobros-abusivos","status":"publish","type":"post","link":"https:\/\/sarmiento24h.com\/?p=475428","title":{"rendered":"Superintendencia de Bancos busca frenar el sobreendeudamiento y los cobros abusivos"},"content":{"rendered":"
<\/div>\n

La entidad publica una gu\u00eda financiera y exige respeto a los derechos de los deudores.<\/strong><\/p>\n

La Superintendencia de Bancos (SB)<\/strong> de Rep\u00fablica Dominicana present\u00f3 nuevas herramientas para prevenir el sobreendeudamiento y promover pr\u00e1cticas responsables de cr\u00e9dito y cobro, en medio de la preocupaci\u00f3n por el impacto que las obligaciones financieras pueden tener sobre el bienestar de los usuarios. La iniciativa, difundida en el marco del D\u00eda Mundial de la Salud Mental, incluye una gu\u00eda para orientar a los ciudadanos y disposiciones dirigidas a las entidades financieras.<\/p>\n

La estrategia busca que los clientes eval\u00faen su capacidad de pago antes de asumir deudas y que reciban un trato respetuoso durante todo el v\u00ednculo con las instituciones, desde la oferta de financiamiento hasta la recuperaci\u00f3n de los cr\u00e9ditos.<\/p>\n

Sin embargo, la eficacia de estas medidas depender\u00e1 de su cumplimiento y de la capacidad supervisora para detectar y corregir pr\u00e1cticas que vulneren los derechos de los usuarios.<\/p>\n

Gu\u00eda para evitar deudas insostenibles<\/h2>\n

La m\u00e1s reciente medida es la publicaci\u00f3n de la Gu\u00eda sobre salud financiera y bienestar de los usuarios<\/em>, difundida mediante la Carta Circular CCI-REG-2026000014.<\/p>\n

El documento recomienda evaluar si el cr\u00e9dito es realmente necesario, revisar la capacidad de pago, conocer los costos y condiciones del producto, comparar ofertas y leer los contratos antes de firmarlos.<\/p>\n

Estas orientaciones pretenden reducir el riesgo de que las personas asuman compromisos que superen sus posibilidades econ\u00f3micas. La gu\u00eda puede descargarse en la secci\u00f3n de educaci\u00f3n financiera del portal de Prousuario<\/strong>, en www.prousuario.gob.do<\/a>.<\/p>\n

La publicaci\u00f3n coincide con el D\u00eda Mundial de la Salud Mental, celebrado cada 10 de octubre, fecha que la instituci\u00f3n aprovecha para destacar la relaci\u00f3n entre la estabilidad financiera y el bienestar de la poblaci\u00f3n.<\/p>\n

Reglas para la gesti\u00f3n de cobros<\/h2>\n

En julio, la Superintendencia de Bancos<\/strong> emiti\u00f3 la Carta Circular CCI-REG-2026000007, mediante la cual exhort\u00f3 a las entidades de intermediaci\u00f3n financiera a reforzar las buenas pr\u00e1cticas en la recuperaci\u00f3n de deudas.<\/p>\n

La instituci\u00f3n record\u00f3 que los procedimientos de cobro deben respetar los derechos y la dignidad de los clientes, sin recurrir a pr\u00e1cticas que puedan afectarlos.<\/p>\n

Tambi\u00e9n se\u00f1al\u00f3 que las entidades deben cumplir las disposiciones del Instituto Dominicano de las Telecomunicaciones (Indotel)<\/strong> sobre el uso de llamadas y otros servicios de telecomunicaciones para cobrar deudas, incluidos los horarios y l\u00edmites de frecuencia de contacto.<\/p>\n

El desaf\u00edo ser\u00e1 asegurar que estas reglas se traduzcan en cambios verificables para los usuarios. La educaci\u00f3n financiera puede ayudar a prevenir compromisos insostenibles, pero la protecci\u00f3n efectiva tambi\u00e9n requiere supervisi\u00f3n y respuesta ante posibles incumplimientos.<\/p>\n

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

La entidad publica una gu\u00eda financiera y...<\/p>\n","protected":false},"author":1,"featured_media":475429,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[60],"tags":[],"class_list":["post-475428","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economicas"],"yoast_head":"\nSuperintendencia de Bancos busca frenar el sobreendeudamiento y los cobros abusivos - 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