{"id":4194,"date":"2026-04-24T20:02:38","date_gmt":"2026-04-25T02:02:38","guid":{"rendered":"https:\/\/btalegal.com\/?p=4194"},"modified":"2026-04-24T20:02:39","modified_gmt":"2026-04-25T02:02:39","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). <\/p>\n\n\n\n<p>En el pa\u00eds ya existe un r\u00e9gimen de responsabilidad civil objetiva de los comerciantes frente a los consumidores (Ley 7472). 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. <\/p>\n\n\n\n<p>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\u201d (Law No. 10889). The country already has a regime of strict civil liability applicable to merchants vis-\u00e0-vis consumers for damages or losses related to the use or risks of goods or services offered [&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\u201d (Law No. 10889). 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