A hero with a tie against abusive charges
In a plot twist that no one saw coming, deputy Francisco Adrián Castillo Morales, from the Morenista bench, has decided to play vigilante in the wild west of banking commissions. Their mission: to modify the Law for the Protection and Defense of Users of Financial Services to prohibit credit institutions from taking every last cent from us when they steal our wallet. Because, of course, the logical thing after suffering an assault is for your bank to give you the finishing touch with a charge for “plastic replacement.” A solidarity that moves.
The initiative, a document that surely made more than one bank manager cry, proposes something revolutionary: that if a criminal lightens your wallet, you do not have to pay for the privilege of recovering your debit or credit card. Of course, with one small condition. It is not enough to arrive at the branch crying; The corresponding complaint must be filed with the public ministry. Because in this country, the word of a scared citizen is worth less than a piece of paper with an official seal, even though we all know how fun and agile that procedure is.
The scenarios where your pocket could be saved (maybe)
The project does not take half measures and specifies with the detail of a detective novel the cases in which this payment exception would apply. Were you mugged walking down the street? Apply. Did they break into your house? Also. Have you been released from your cash on public transport or, with monumental impudence, inside a banking institution? Bingo! It seems that the deputy has thought of everything, except how the citizen will prove that he was extorted without the thugs coming back for him. They are minor details.
The pearl of this legislative gem is that the proposal has already been sent to the Finance and Public Credit Commission for its “analysis and ruling.” Translation: it has entered the black hole where initiatives go to hibernate, debate endlessly or die with dignity among mountains of paper. Meanwhile, financial users will continue to pay religiously for the crime of being victims, and banks will continue to find creative ways to charge us even for breathing inside their facilities.
It is an epic struggle: on the one hand, the cold financial logic of the banking entities; on the other, a deputy with a proposal that sounds good on Twitter. Will it manage to change the regulations and protect the consumer, or will it be lost in the legislative labyrinth? Only time, and perhaps the banking lobby, will tell. In the meantime, hold onto your wallet and pray you never need this benefit.
Do you think this proposal is fair or is it another salute to the flag? Share this note on your social networks and tell us what other absurd banking commissions you think should disappear. Explore more content about your rights as a user of financial services on our site.
