{"id":145625,"date":"2020-10-25T00:01:00","date_gmt":"2020-10-25T07:01:00","guid":{"rendered":"https:\/\/calmatters.org\/?p=145625"},"modified":"2020-10-24T15:12:25","modified_gmt":"2020-10-24T22:12:25","slug":"regulacion-de-los-bancos-financieros-de-california-dodd-frank","status":"publish","type":"post","link":"https:\/\/calmatters.org\/_es\/commentary\/2020\/10\/california-finance-banks-regulation-dodd-frank\/","title":{"rendered":"La vaga nueva ley de regulaci\u00f3n financiera de California"},"content":{"rendered":"<p><a href=\"http:\/\/leginfo.legislature.ca.gov\/faces\/billTextClient.xhtml?bill_id=201920200AB1864\">Proyecto de ley de la Asamblea de 1864<\/a> no recibi\u00f3 mucha atenci\u00f3n de los medios ni del p\u00fablico cuando pas\u00f3 por ambas c\u00e1maras de la Legislatura el \u00faltimo d\u00eda de la sesi\u00f3n de 2020.<\/p>\n\n\n\n<p>Superficialmente, parec\u00eda simplemente reconfigurar las agencias reguladoras financieras del estado en una nueva entidad llamada Departamento de Protecci\u00f3n e Innovaci\u00f3n Financiera.<\/p>\n\n\n\n<p>Sin embargo, aquellos en la vasta industria financiera de California estaban prestando mucha atenci\u00f3n porque el proyecto de ley crea un r\u00e9gimen regulatorio completamente nuevo con amplios poderes, incluidas multas de hasta $1 mill\u00f3n por d\u00eda, para vigilar a los actores financieros que hasta ahora han tenido poca supervisi\u00f3n.<\/p>\n\n\n\n<p>El fundamento oficial de la legislaci\u00f3n es que la administraci\u00f3n del presidente Donald Trump neutraliz\u00f3 la Ley federal de Protecci\u00f3n Financiera del Consumidor Dodd-Frank Wall Street de 2010, por lo que el estado debe intervenir con un equivalente para protegerse contra pr\u00e1cticas financieras predatorias que da\u00f1an a los consumidores.<\/p>\n\n\n\n<p>La nueva Ley de Protecci\u00f3n Financiera del Consumidor de California otorga a la agencia reconstituida autoridad para perseguir las \u201cpr\u00e1cticas abusivas\u201d cuya definici\u00f3n en la ley es bastante vaga. As\u00ed, la propia agencia definir\u00e1 el t\u00e9rmino y tambi\u00e9n decidir\u00e1 qu\u00e9 negocios enfrentar\u00e1n su escrutinio.<\/p>\n\n\n\n<p>Parece que la nueva ley afectar\u00e1 a las empresas involucradas en la liquidaci\u00f3n de deudas, reparaci\u00f3n de cr\u00e9dito, cambio de cheques, contratos de alquiler con opci\u00f3n a compra, pr\u00e9stamos de d\u00eda de pago, servicio de pr\u00e9stamos estudiantiles y financiamiento para ventas minoristas. Sin embargo, su objetivo principal parece ser los servicios financieros ofrecidos por entidades no bancarias, en particular las llamadas \u201cempresas fintech\u201d que ofrecen servicios similares a los bancarios a trav\u00e9s de Internet sin mantener oficinas f\u00edsicas.<\/p>\n\n\n\n<p>Las fintech, muchas de ellas con sede en el \u00e1rea de la Bah\u00eda de San Francisco, han florecido en los \u00faltimos a\u00f1os como parte de la econom\u00eda digital, compitiendo con los bancos tradicionales. Su naturaleza disruptiva no es diferente del desaf\u00edo que los servicios de transporte basados en tecnolog\u00eda, como Uber y Lyft, plantean a los taxis y autobuses.<\/p>\n\n\n\n<p>Los cambios tard\u00edos en AB 1864 eximieron a las empresas financieras tradicionales que ya est\u00e1n reguladas, como bancos y cooperativas de cr\u00e9dito, de la nueva ley de protecci\u00f3n al consumidor, lo que llev\u00f3 a algunos analistas a concluir que su objetivo t\u00e1cito es ayudarlos a evitar la competencia de los nuevos chicos en el mercado. el bloque financiero.<\/p>\n\n\n\n<p>La vaguedad de la nueva ley qued\u00f3 resumida en lo que dijo el gobernador Gavin Newsom durante una ceremonia de firma. La nueva ley y el nuevo departamento, dijo, \u201ccrear\u00e1n las condiciones para que la innovaci\u00f3n florezca de manera que podamos gestionarla y simplemente trabajar contra sus excesos. Por eso apoyamos la asunci\u00f3n de riesgos, no la imprudencia\u201d.<\/p>\n\n\n\n<p>Newsom tambi\u00e9n firm\u00f3 otras dos medidas de protecci\u00f3n financiera, una que requiere que los cobradores de deudas tengan una licencia a partir de 2022 y la otra que crea una Declaraci\u00f3n de Derechos del Prestatario de Pr\u00e9stamos Estudiantiles.<\/p>\n\n\n\n<p>Aunque se dice que la nueva ley estatal refleja la ley Dodd-Frank, contiene al menos una diferencia significativa. Cuando los reguladores federales imponen multas por lo que consideran mala conducta, el dinero va al tesoro federal. Cuando los reguladores estatales impongan multas de hasta $1 millones por d\u00eda, el dinero ser\u00e1 retenido por la nueva agencia para financiar m\u00e1s actividad.<\/p>\n\n\n\n<p>\u00bfLe dar\u00e1 eso a la nueva agencia un incentivo financiero para pasar por alto cuestiones menores de los consumidores y perseguir a las grandes empresas? Es una pregunta que s\u00f3lo el tiempo responder\u00e1.<\/p>\n\n\n\n<p>Significativamente tambi\u00e9n, el nuevo mecanismo de investigaci\u00f3n y regulaci\u00f3n contenido en AB 1864 espec\u00edficamente no usurpa la autoridad del fiscal general para atacar tambi\u00e9n a las empresas bajo la igualmente vaga ley estatal de \u201ccompetencia desleal\u201d.<\/p>\n\n\n\n<p>Desde su creaci\u00f3n hace una d\u00e9cada, Dodd-Frank ha atra\u00eddo cr\u00edticas de ejecutivos de empresas por su exceso regulatorio. \u00bfSer\u00e1 la nueva versi\u00f3n de California menos controvertida? No lo sabremos hasta que la nueva agencia ponga algo de definici\u00f3n en sus huesos.<\/p>","protected":false},"excerpt":{"rendered":"<p>California tiene una nueva ley de regulaci\u00f3n financiera, pero su alcance es vago y espera mayor definici\u00f3n.<\/p>","protected":false},"author":73,"featured_media":97061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","apple_news_api_created_at":"2020-10-25T07:02:04Z","apple_news_api_id":"3da9d05a-f69b-4b3c-aa0d-ddbdd90ca286","apple_news_api_modified_at":"2020-10-25T07:02:04Z","apple_news_api_revision":"AAAAAAAAAAD\/\/\/\/\/\/\/\/\/\/w==","apple_news_api_share_url":"https:\/\/apple.news\/APanQWvabSzyqDd292Qyihg","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"_spanish_translation_id":0,"_is_translation":false,"_newspack_byline_active":false,"_newspack_byline":"","newspack_content_restriction_is_exempt":false,"newspack_featured_image_position":"","newspack_post_subtitle":"","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[58,63],"tags":[40117],"legislator":[],"bill":[],"newspack_spnsrs_tax":[],"coauthors":[4174],"class_list":["post-145625","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-commentary","category-dan-walters","tag-commentary","entry"],"acf":[],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - 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Comenz\u00f3 a cubrir la pol\u00edtica de California en 1975, justo cuando Jerry Brown comenz\u00f3 su primer per\u00edodo como gobernador, y comenz\u00f3 a escribir su columna en 1981, primero para Sacramento Union durante tres a\u00f1os, luego para The Sacramento Bee durante 33 a\u00f1os y ahora para CalMatters desde 2017. Dan tambi\u00e9n es autor o coautor de dos libros sobre California, \u201cThe New California: Facing the 21st Century\u201d y \u201cThe Third House: Lobbyists, Money and Power in Sacramento\u201d. Es un invitado frecuente en programas de radio y ocasionalmente aparece en la televisi\u00f3n nacional, comentando temas de California. Walters comenz\u00f3 su carrera en 1960 en el Humboldt Times en Eureka, California, un mes antes de cumplir 17 a\u00f1os, primero como asistente de redacci\u00f3n y luego como reportero de la polic\u00eda. Habiendo encontrado su vocaci\u00f3n, no s\u00f3lo rechaz\u00f3 una beca universitaria de National Merit, sino que abandon\u00f3 la escuela secundaria al carecer de una clase requerida (ir\u00f3nicamente, educaci\u00f3n c\u00edvica) para calificar para un diploma. Antes de mudarse a Sacramento para cubrir pol\u00edtica, fue editor en jefe de tres peque\u00f1os diarios. 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