{"id":4194,"date":"2026-04-24T20:02:38","date_gmt":"2026-04-25T02:02:38","guid":{"rendered":"https:\/\/btalegal.com\/?p=4194"},"modified":"2026-04-25T11:01:25","modified_gmt":"2026-04-25T17:01:25","slug":"consumidor-financiero","status":"publish","type":"post","link":"https:\/\/btalegal.com\/es\/consumidor-financiero\/","title":{"rendered":"Consumidor financiero"},"content":{"rendered":"<p>Este 22 de abril se public\u00f3 en Costa Rica la Ley \u201cProtecci\u00f3n a las personas consumidoras en la custodia de su dinero que administra cualquier entidad financiera en Costa Rica, ya sea p\u00fablica o privada, autorizada para este fin\u201d (Ley 10889). En el pa\u00eds ya existe un r\u00e9gimen de responsabilidad civil objetiva de los comerciantes frente a los consumidores (Ley 7472).<\/p>\n\n\n\n<p>La nueva ley establece est\u00e1ndares m\u00e1s espec\u00edficos para casos de fraude electr\u00f3nico contra depositantes en bancos y otros intermediarios financieros regulados. La entidad financiera responder\u00e1 cuando se sustraigan fondos sin autorizaci\u00f3n del titular de la cuenta, aunque no tenga culpa e independientemente del mecanismo utilizado; se excluyen casos como \u201cautofraude\u201d, dolo y transferencias entre cuentas del mismo titular.<\/p>\n\n\n\n<p>La ley traslada la carga de la prueba a la entidad financiera, establece reglas y plazos para presentar y resolver los reclamos y obliga a la Superintendencia General de Entidades Financieras (SUGEF) a dictar normativa sobre la materia y a asumir un rol hasta ahora in\u00e9dito: revisar y aprobar o improbar cada caso en que una entidad financiera rechace el reclamo de un consumidor, sin perjuicio de su posterior revisi\u00f3n en v\u00eda judicial. Tanto la SUGEF como algunas entidades financieras formularon reparos a la aprobaci\u00f3n de esta ley, habr\u00e1 que estar atentos al proceso de reglamentaci\u00f3n e implementaci\u00f3n.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>On April 22, Costa Rica published the law \u201cProtection of Consumers in the Safekeeping of Their Funds Managed by Any Financial Institution in Costa Rica, Whether Public or Private, Authorized for This Purpose\u201d (Law No. 10889). The country already has a regime of strict civil liability applicable to merchants vis\u2011\u00e0\u2011vis consumers for damages or losses [&hellip;]<\/p>","protected":false},"author":5,"featured_media":4195,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-4194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Consumidor financiero - BTA Legal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/btalegal.com\/es\/consumidor-financiero\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Consumidor financiero - BTA Legal\" \/>\n<meta property=\"og:description\" content=\"On April 22, Costa Rica published the law \u201cProtection of Consumers in the Safekeeping of Their Funds Managed by Any Financial Institution in Costa Rica, Whether Public or Private, Authorized for This Purpose\u201d (Law No. 10889). 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