{"id":51291,"date":"2026-03-09T09:37:06","date_gmt":"2026-03-09T09:37:06","guid":{"rendered":"http:\/\/almomento.net\/?p=1103863"},"modified":"2026-03-09T09:37:06","modified_gmt":"2026-03-09T09:37:06","slug":"urge-reformar-la-ley-183-02","status":"publish","type":"post","link":"https:\/\/sarmiento24h.com\/?p=51291","title":{"rendered":"Urge reformar la Ley 183-02"},"content":{"rendered":"<p><!-- .entry-header --> <\/p>\n<div class=\"img_center\"> <a href=\"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/03\/urge-reformar-la-ley-183-02.jpg\" title=\"Urge reformar la Ley 183-02\" data-toggle=\"lightbox\" class=\"thickbox\"><img decoding=\"async\" src=\"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/03\/urge-reformar-la-ley-183-02.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"imagen\" title=\"Urge reformar la Ley 183-02\" data-toggle data-title=\"Urge reformar la Ley 183-02\"><\/a><\/p>\n<p>El autor es abogado y presidente de la Organizaci\u00f3n Latinoamericana de Asistencia Social <\/p>\n<\/p><\/div>\n<p>\u200bLa Rep\u00fablica Dominicana se encuentra en un momento estelar de bancarizaci\u00f3n y modernizaci\u00f3n de sus servicios financieros. Sin embargo, detr\u00e1s de las cifras de crecimiento, persiste una realidad sombr\u00eda para miles de ciudadanos: la exclusi\u00f3n financiera perpetua.<\/p>\n<p>\u200bRecientemente, una persona allegada se acerc\u00f3 a nosotros para explicarnos la situaci\u00f3n por la que atravesaba con una entidad financiera que le hab\u00eda denegado un pr\u00e9stamo hipotecario, en virtud de que en un registro del sistema financiero (Central de Riesgo) estaba asentada una deuda de hac\u00eda m\u00e1s de 15 a\u00f1os; la \u00fanica alternativa para subsanar este problema era honrando esa deuda, cuyos intereses acumulados se le hac\u00edan impagables.<\/p>\n<p>Como este caso, probablemente habr\u00e1 una lista interminable de afectados por este fen\u00f3meno que act\u00faa como una verdadera \u00abmuerte civil\u00bb. Este tiene su origen en una contradicci\u00f3n normativa que el Congreso Nacional no puede seguir ignorando y cuya soluci\u00f3n definitiva exige, a mi modo de ver, una reforma puntual a la Ley No. 183-02 (Monetaria y Financiera).<\/p>\n<p>El conflicto nace de una disonancia jer\u00e1rquica que debe ser resuelta. Por un lado, la Ley No. 172-13 sobre Protecci\u00f3n de Datos de Car\u00e1cter Personal posee el rango de Ley Org\u00e1nica, lo que, seg\u00fan nuestra Constituci\u00f3n, le otorga una jerarqu\u00eda superior para regular derechos fundamentales como el \u00abderecho al olvido\u00bb.<\/p>\n<p>Esta ley manda que los registros negativos caduquen a los 48 meses. Sin embargo, en la pr\u00e1ctica, la Central de Riesgos de la Superintendencia de Bancos, amparada en la Ley No. 183-02 (Ley Ordinaria) y sus reglamentos, mantiene estos registros de forma indefinida.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-1103864 alignleft\" src=\"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/03\/urge-reformar-la-ley-183-02.png\" alt width=\"275\" height=\"183\" srcset=\"https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/03\/urge-reformar-la-ley-183-02.png 275w, https:\/\/sarmiento24h.com\/wp-content\/uploads\/2026\/03\/urge-reformar-la-ley-183-02-1.png 143w\" sizes=\"auto, (max-width: 275px) 100vw, 275px\"><\/p>\n<p>\u200bEs jur\u00eddicamente inaceptable que una interpretaci\u00f3n t\u00e9cnica de una ley ordinaria \u2014o peor a\u00fan, un reglamento administrativo\u2014 termine anulando un derecho fundamental protegido por una Ley Org\u00e1nica y por la propia Constituci\u00f3n. Esta contradicci\u00f3n no solo es una falla legal; es una barrera para el ciudadano que tuvo un tropiezo econ\u00f3mico hace diez o quince a\u00f1os y que, a pesar de haber recuperado su estabilidad y solvencia, sigue \u00abmanchado\u00bb perpetuamente en el sistema oficial, quedando excluido del cr\u00e9dito bancario.<\/p>\n<p>A pesar de esta contradicci\u00f3n, la reforma es perfectamente posible y necesaria. No se trata de un conflicto irresoluble, sino de una falta de armonizaci\u00f3n. Al reformar el Art\u00edculo 54 y, por v\u00eda de consecuencia, el Art\u00edculo 56 de la Ley No. 183-02, el legislador podr\u00e1 establecer expl\u00edcitamente que la Central de Riesgo debe someterse a los plazos de caducidad de la Ley Org\u00e1nica 172-13.<\/p>\n<p>Con esto, se eliminar\u00eda la discrecionalidad administrativa que hoy permite a los bancos utilizar datos anacr\u00f3nicos para denegar pr\u00e9stamos bajo alegatos de una evaluaci\u00f3n de riesgo eterna.<\/p>\n<p><b>No justificaci\u00f3n<\/b><\/p>\n<p>Esta reforma es un imperativo del Principio de Razonabilidad (Art. 40.15 de la Constituci\u00f3n). No existe justificaci\u00f3n l\u00f3gica para que una falta financiera sea eterna. Adem\u00e1s, bajo el Principio de Favorabilidad (Art. 74.1), ante dos leyes en conflicto, las autoridades deben aplicar siempre la que m\u00e1s beneficie el desarrollo y los derechos del individuo.<\/p>\n<p>Reformar la Ley 183-02 es un acto de justicia y de inteligencia econ\u00f3mica. Al rescatar a miles de dominicanos de la exclusi\u00f3n, dinamizamos el consumo, fomentamos la inversi\u00f3n formal y debilitamos la usura. La estabilidad del sistema financiero es fundamental, pero no puede cimentarse sobre la condena perpetua de ciudadanos que ya han demostrado su capacidad de levantarse.<\/p>\n<p>\u200bCon esta iniciativa no pretendemos que cobre vigencia el viejo refr\u00e1n que reza: \u00ablas cuentas viejas no se pagan y las nuevas se dejan poner viejas\u00bb; no se trata de eso. Dentro de esa reforma se pueden incorporar reglamentaciones de evaluaci\u00f3n, como ser\u00eda el sistema de \u00abpuntaje de rehabilitaci\u00f3n\u00bb que se aplica en otros pa\u00edses, consistente en que, si un ciudadano demuestra estabilidad durante un periodo determinado, la \u00abmancha\u00bb antigua no deber\u00eda ser determinante para la denegaci\u00f3n del cr\u00e9dito.<\/p>\n<p>La semana pasada, en su comparecencia como orador invitado por la C\u00e1mara Americana de Comercio de la Rep\u00fablica Dominicana, el ministro de Hacienda, Mag\u00edn D\u00edaz, dijo entre otras cosas lo siguiente:&nbsp;<i>\u201cEn los pr\u00f3ximos d\u00edas nos proponemos enviar un proyecto de ley al Congreso proponiendo la eliminaci\u00f3n de varios impuestos anacr\u00f3nicos, corrigiendo castigos exagerados y haciendo m\u00e1s f\u00e1cil la vida de los contribuyentes\u201d<\/i>.&nbsp;Por lo tanto, estimamos que ser\u00eda muy oportuno incluir dentro de ese prop\u00f3sito de reformas lo que aqu\u00ed planteamos.<\/p>\n<p>Es hora de que el Congreso Nacional y los t\u00e9cnicos especializados en esta materia act\u00faen de inmediato para enmendar este entuerto que impide a muchos ciudadanos acceder al cr\u00e9dito bancario, el cual, en estos tiempos, se presenta como una necesidad que nos puede beneficiar a todos.<\/p>\n<p>jpm-am<\/p>\n<div class=\"heateor_sss_sharing_container heateor_sss_horizontal_sharing\" data-heateor-sss-href=\"https:\/\/almomento.net\/urge-reformar-la-ley-183-02\/\">\n<p>Comp\u00e1rtelo en tus redes:<\/p>\n<\/div>\n<p>ALMOMENTO.NET publica los art\u00edculos de opini\u00f3n sin hacerles correcciones de redacci\u00f3n. Se reserva el derecho de rechazar los que est\u00e9n mal redactados, con errores de sintaxis o faltas ortogr\u00e1ficas.<\/p>\n<p> <!-- 468x60 --><br \/>\n<ins class=\"adsbygoogle\" data-ad-client=\"ca-pub-3511341636159665\" data-ad-slot=\"3538255450\"><\/ins> <!-- .entry-content --> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>El autor es abogado y presidente de&#46;&#46;&#46;<\/p>\n","protected":false},"author":1,"featured_media":51292,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_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}},"categories":[63],"tags":[],"class_list":["post-51291","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-opinion"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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