Honduras: Nueva Regulación aplicable a Empresas de Fintech en Honduras
Published date | 07 April 2022 |
Author | José Ramón Paz Morales |
Law Firm | Consortium Legal |
En fecha 28 de octubre de 2021, se publicó y entró en vigencia el Decreto No. 83-2021, mediante el cual el Congreso Nacional decretó: “regular la organización, operación y funcionamiento de las personas jurídicas nacionales y extranjeras que presten servicios de pago y transferencias, así como, regular estos servicios”.
El Decreto No. 83-2021, adicionalmente estableció que las personas jurídicas que deseen prestar servicios de pago y transferencias a las personas naturales y jurídicas residentes en Honduras, deben obtener autorización del Banco Central de Honduras (BCH) o inscribirse en el registro que para tal efecto llevará dicha Institución, lo anterior de acuerdo con la normativa que emita el BCH.
El BCH ha estado trabajando en un proyecto de reglamento para regular lo establecido en el Decreto No. 83-2021, y socializando el mismo, con diferentes sectores. El proyecto define a los servicios de pago electrónicos y transferencias como: (i) Conversión de dinero físico a dinero electrónico y viceversa, (ii) Pasarelas de pagos, (iii) Terminales de puntos de ventas, (iv) Transferencias nacionales, (v) Transferencias internacionales de remesas, y (vi) Cualquier otro servicio definido por el BCH, mediante resolución de su Directorio, (en adelante todos estos servicios de pagos electrónicos serán referidos en este artículo como los “Servicios Regulados”).
Además de los requisitos de inscripción y actualización, algunas de las obligaciones regulatorias aplicables a los Servicios Regulados serán:
- Las pasarelas agregadoras de pagos, deben mantener actualizado el saldo disponible de la cuenta de depósito, cuenta de pagos electrónicos o billetera electrónica.
- Las pasarelas de pago con modelo agregador, deben incluir en el estado de cuenta del usuario el nombre del comercio en el cual se realizó la transacción.
- Las pasarelas agregadoras que utilicen información de los tarjetahabientes, deben tener certificación en la norma PCI Security Standard Council (Payment Card Industry Data Security) de acuerdo con sus niveles de transacciones.
- En caso de que el BCH establezca limites transaccionales en las pasarelas de pago mediante resolución, este tipo de proveedor deberá de cumplir con estos límites.
En el artículo 48 del proyecto, se establece que el BCH puede regular el capital mínimo de los proveedores de Servicios Regulados, por lo que es la única disposición que encontramos en el proyecto...
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