{"id":5498,"date":"2019-05-17T09:33:39","date_gmt":"2019-05-17T16:33:39","guid":{"rendered":"https:\/\/cashcoloan.com\/?p=5498"},"modified":"2021-10-07T16:04:08","modified_gmt":"2021-10-07T23:04:08","slug":"commentary-revisiting-small-loans-rules-crucial-to-maintaining-access-to-credit-for-vulnerable-consumers","status":"publish","type":"post","link":"https:\/\/cashcoloan.com\/es\/commentary-revisiting-small-loans-rules-crucial-to-maintaining-access-to-credit-for-vulnerable-consumers\/","title":{"rendered":"Comentario: Es fundamental revisar las normas sobre peque\u00f1os pr\u00e9stamos para mantener el acceso al cr\u00e9dito de los consumidores vulnerables"},"content":{"rendered":"<p>Al considerar reformas a la industria de pr\u00e9stamos de peque\u00f1os montos, los legisladores deben proceder con cautela para evitar limitar el acceso al cr\u00e9dito de las poblaciones m\u00e1s vulnerables, escribe Liam Sigaud, del American Consumer Institute. La Oficina para la Protecci\u00f3n Financiera del Consumidor anunci\u00f3 recientemente que reevaluar\u00e1 su norma propuesta que exige a los prestamistas certificar que el destinatario de un pr\u00e9stamo puede pagarlo. Esta disposici\u00f3n de suscripci\u00f3n estaba programada para implementarse a finales de este a\u00f1o. Sigaud argumenta que una regulaci\u00f3n m\u00ednima y una competencia vigorosa ayudar\u00edan m\u00e1s a los consumidores que las regulaciones gubernamentales que favorecen a los grandes prestamistas tradicionales por sobre las nuevas empresas prometedoras. A\u00f1ade que la mayor\u00eda de los consumidores entienden los t\u00e9rminos y pueden pagar sus pr\u00e9stamos. Si bien es importante continuar educando a los consumidores, Sigaud concluye: \u201cmillones de estadounidenses estar\u00edan peor sin acceso a pr\u00e9stamos de peque\u00f1os montos\u201d.\u201d<\/p>\n<p><a href=\"https:\/\/thehill.com\/opinion\/finance\/443218-revisiting-small-loans-rules-crucial-to-maintaining-access-to-credit-for\" target=\"_blank\" rel=\"noopener noreferrer\">LEER M\u00c1S<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Al considerar reformas a la industria de pr\u00e9stamos de peque\u00f1os montos, los legisladores deben proceder con cuidado para evitar limitar...<\/p>","protected":false},"author":5,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","slim_seo":{"title":"Commentary: Revisiting Small Loans Rules Crucial to Maintaining Access to Credit for Vulnerable Consumers - CashCo","description":"In considering reforms to the small-dollar loan industry, lawmakers must tread carefully to avoid limiting credit access for the most vulnerable populations, wr"},"_slim_seo_primary_term_category":0,"_slim_seo_primary_term_post_tag":0,"footnotes":""},"categories":[27],"tags":[148,146,150],"class_list":["post-5498","post","type-post","status-publish","format-standard","hentry","category-other-news","tag-access-to-credit","tag-small-loans","tag-vulnerable-consumers"],"acf":[],"taxonomy_info":{"category":[{"value":27,"label":"Other News"}],"post_tag":[{"value":148,"label":"access to credit"},{"value":146,"label":"small loans"},{"value":150,"label":"vulnerable consumers"}]},"featured_image_src_large":false,"author_info":{"display_name":"CashCo","author_link":"https:\/\/cashcoloan.com\/es\/author\/michael\/"},"comment_info":0,"category_info":[{"term_id":27,"name":"Other News","slug":"other-news","term_group":0,"term_taxonomy_id":27,"taxonomy":"category","description":"","parent":0,"count":62,"filter":"raw","cat_ID":27,"category_count":62,"category_description":"","cat_name":"Other News","category_nicename":"other-news","category_parent":0}],"tag_info":[{"term_id":148,"name":"access to credit","slug":"access-to-credit","term_group":0,"term_taxonomy_id":148,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":146,"name":"small loans","slug":"small-loans","term_group":0,"term_taxonomy_id":146,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"},{"term_id":150,"name":"vulnerable consumers","slug":"vulnerable-consumers","term_group":0,"term_taxonomy_id":150,"taxonomy":"post_tag","description":"","parent":0,"count":1,"filter":"raw"}],"_links":{"self":[{"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/posts\/5498","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/comments?post=5498"}],"version-history":[{"count":1,"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/posts\/5498\/revisions"}],"predecessor-version":[{"id":5504,"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/posts\/5498\/revisions\/5504"}],"wp:attachment":[{"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/media?parent=5498"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/categories?post=5498"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cashcoloan.com\/es\/wp-json\/wp\/v2\/tags?post=5498"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}