Proyecto de ley que establece límite de responsabilidad para titulares de tarjetas de pago y transacciones electrónicas.
Published date | 11 April 2019 |
Author | Andres Pumarino |
Sobre la base de un segundo informe de la Comisión de Economía, la Sala de la Cámara de Diputados aprobó y despachó a tercer trámite al Senado el proyecto (boletín 11078) que establece un régimen de limitación de responsabilidad para titulares o usuarios de tarjetas de pago y transacciones electrónicas en caso de extravío, hurto, robo o fraude.
En su articulado, el proyecto especifica que se entenderá por fraudes en transacciones electrónicas aquellas operaciones que “originen cargos y abonos o giros de dinero en cuentas corrientes bancarias, cuentas de depósitos a la vista, cuentas de provisión de fondos, tarjetas de pago u otros sistemas similares, tales como instrucciones de cargo en cuentas propias para abonar cuentas de terceros, incluyendo pagos y cargos automáticos, transferencias electrónicas de fondos, avances en efectivo, giros de dinero en cajeros automáticos y demás operaciones electrónicas contempladas en el contrato de prestación de servicios financieros respectivo”.
Se comprenderán también dentro de este concepto las transacciones efectuadas mediante portales web u otras plataformas electrónicas, informáticas, telefónicas o cualquier otro sistema similar dispuesto por la empresa bancaria o el proveedor del servicio financiero correspondiente.
Los titulares o usuarios de medios de pago, así como los titulares de otras cuentas o sistemas similares que permitan efectuar transacciones electrónicas, podrán limitar su responsabilidad, en caso de hurto, robo, extravío o fraude, dando aviso oportuno al emisor.
A su vez, se define que los emisores de dichos medios de pago deberán proveer todos los días del año, las 24 horas del día, de canales o servicios de comunicación, de acceso gratuito y permanente, que permitan efectuar y registrar los referidos avisos.
Por el mismo medio de comunicación, y en el acto de recepción, el emisor deberá entregar al usuario un número, código de recepción o identificador de seguimiento; y la fecha y hora del aviso; procediendo de inmediato al bloqueo respectivo del medio de pago, en lo referido a su funcionalidad para efectuar pagos o transacciones electrónicas.
Además, deberá enviar al usuario una comunicación por escrito con la información requerida, de la manera más expedita. En todo caso, el incumplimiento de esta obligación no afectará la validez o eficacia del aviso recibido.
En el caso que los medios de pago sean utilizados con posterioridad al aviso de extravío, hurto, robo o fraude, el emisor...
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