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376 <span class="btn-nav-mobile open-menu"> 377 <span></span> 378 </span> 379 </div> 380 </div> 381 </div> 382</header> 383 <div id="pagetitle" class="page-title bg-image overlay-hide text-center"> 384 <div class="container"> 385 <div class="page-title-inner"> 386 387 <div class="page-title-holder"> 388 <h1 class="page-title">Normatividad </h1> </div> 389 390 <ul class="ct-breadcrumb"><li><a class="breadcrumb-entry" href="https://www.asobancaria.com/">Inicio</a></li><li><span class="breadcrumb-entry">Normatividad</span></li></ul> </div> 391 </div> 392 </div> 393 394 <div id="content" class="site-content"> 395 <div class="content-inner"> 396 <div class="ct-page-content content-container"> 397 <div class="row content-row"> 398 <div id="primary" class="content-area col-12"> 399 <main id="main" class="site-main"> 400 401<article id="post-5952" class="post-5952 page type-page status-publish hentry"> 402 <div class="entry-content clearfix"> 403 <div data-elementor-type="wp-page" data-elementor-id="5952" class="elementor elementor-5952" data-elementor-post-type="page"> 404 <div class="elementor-element elementor-element-5d446bb e-flex e-con-boxed e-con e-parent" data-id="5d446bb" data-element_type="container" data-e-type="container"> 405 <div class="e-con-inner"> 406 <div class="elementor-element elementor-element-fff41a7 elementor-widget elementor-widget-ct_heading" data-id="fff41a7" data-element_type="widget" data-e-type="widget" data-widget_type="ct_heading.default"> 407 <div class="elementor-widget-container"> 408 <div id="ct_heading-fff41a7" class="ct-heading h-align-center sub-style1 ct-heading-left item-st-default"> 409 <div class="ct-item--inner"> 410 <div class="ct-inline-css" data-css=" 411 "> 412 </div> 413 <h3 class="item--title st-default case-animate-time" data-wow-delay="ms"> 414 <span class="sp-main"> 415 416 Decretos, Resoluciones y Leyes que rigen el sector 417 418 </span> 419 </h3> 420 </div> 421</div> </div> 422 </div> 423 <div class="elementor-element elementor-element-defa906 elementor-widget elementor-widget-ct_heading" data-id="defa906" data-element_type="widget" data-e-type="widget" data-widget_type="ct_heading.default"> 424 <div class="elementor-widget-container"> 425 <div id="ct_heading-defa906" class="ct-heading h-align- sub-style1 ct-heading-left item-st-default"> 426 <div class="ct-item--inner"> 427 <div class="ct-inline-css" data-css=" 428 "> 429 </div> 430 <h4 class="item--title st-default case-animate-time" data-wow-delay="ms"> 431 <span class="sp-main"> 432 433 Normatividad aplicable 434 435 436 </span> 437 </h4> 438 </div> 439</div> </div> 440 </div> 441 </div> 442 </div> 443 <div class="elementor-element elementor-element-f57c449 e-flex e-con-boxed e-con e-parent" data-id="f57c449" data-element_type="container" data-e-type="container"> 444 <div class="e-con-inner"> 445 <div class="elementor-element elementor-element-7c76b11 elementor-widget elementor-widget-text-editor" data-id="7c76b11" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 446 <div class="elementor-widget-container"> 447 <p>La Constitución Nacional consagra, en su artÃculo 335, que la actividad financiera, bursátil y aseguradora, en la medida en que implica el manejo, aprovechamiento e inversión de recursos de captación, es una actividad de interés público; por ello, se señala que esta actividad solamente puede ser ejercida con previa autorización del Estado, según lo establezca la ley. Asimismo, establece que el Gobierno Nacional, al intervenir en esta actividad, debe promover la democratización del crédito.</p><p>
447La propia Constitución PolÃtica indica cómo se reparten las competencias entre las distintas autoridades que expiden normatividad para el ejercicio de esta actividad. AsÃ, se dispone que el Congreso de la República tiene facultades para expedir leyes marco que regulen la actividad financiera, bursátil y aseguradora; asimismo, para regular el manejo, aprovechamiento e inversión de los recursos captados del público (art. 150, n. 19, lit. d).</p> </div> 448 </div> 449 </div> 450 </div> 451 <div class="elementor-element elementor-element-f02cd67 e-flex e-con-boxed e-con e-parent" data-id="f02cd67" data-element_type="container" data-e-type="container"> 452 <div class="e-con-inner"> 453 <div class="elementor-element elementor-element-4830d89 elementor-widget elementor-widget-ct_list" data-id="4830d89" data-element_type="widget" data-e-type="widget" data-widget_type="ct_list.default"> 454 <div class="elementor-widget-container"> 455 <div class="ct-list style4 "> 456 <div class="ct-list-item " data-wow-delay="ms"> 457 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 458 <div class="ct-list-meta"> 459 <div class="ct-list-desc"> 460 Una vez expedidas las correspondientes leyes marco, el Gobierno Nacional procede a la expedición de decretos, mediante los cuales ejerce la intervención en dicha actividad financiera (art. 335). Estos decretos no pueden desconocer lo dispuesto en las leyes marco respectivas y tienen un ámbito más amplio que los decretos ordinarios, expedidos por el Gobierno en desarrollo de su potestad reglamentaria general. 461 </div> 462 </div> 463 </div> 464 <div class="ct-list-item " data-wow-delay="ms"> 465 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 466 <div class="ct-list-meta"> 467 <div class="ct-list-desc"> 468 La Carta PolÃtica establece que el Gobierno Nacional ejerce la inspección, vigilancia y control sobre las personas que desarrollan la actividad financiera (art. 189, n. 24); esta función la ejerce a través de la Superintendencia Financiera, organismo técnico con autonomÃa financiera y administrativa, que expide normas de carácter general, contenidas en resoluciones y circulares, con el objeto de instruir a las entidades sobre cómo deben ejercer su actividad. </div> 469 </div> 470 </div> 471 </div> 472 </div> 473 </div> 474 <div class="elementor-element elementor-element-78206b2 elementor-widget elementor-widget-text-editor" data-id="78206b2" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 475 <div class="elementor-widget-container"> 476 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Por su parte, la Junta Directiva del Banco de la República es la máxima autoridad monetaria, cambiaria y crediticia que, con sujeción a las leyes marco que expide el Congreso (art. 150, n.22), profiere resoluciones y cartas circulares sobre el tema. Estas normas también tienen un carácter especial y su rango es similar al de la Ley. En resumen, la normatividad aplicable al sector financiero está organizada jerárquicamente asÃ: en primer lugar, en la Constitución PolÃtica de Colombia; en segundo lugar, las leyes marco expedidas por el Congreso de la República, las leyes ordinarias, las resoluciones y cartas circulares que expide el Banco de la República en desarrollo de sus funciones, y los decretos con fuerza de ley que expide el Gobierno con base en facultades extraordinarias, como el Estatuto Orgánico del Sistema Financiero. En el siguiente nivel se encuentran los decreto s reglamentarios que expide el Gobierno en desarrollo de las leyes marco y, finalmente, las circulares y resoluciones que expide la Superintendencia Financiera en ejercicio de su actividad de inspección y vigilancia.</span></span></p> </div>
477 </div> 478 <div class="elementor-element elementor-element-e090acd elementor-widget elementor-widget-ct_list" data-id="e090acd" data-element_type="widget" data-e-type="widget" data-widget_type="ct_list.default"> 479 <div class="elementor-widget-container"> 480 <div class="ct-list style4 "> 481 <div class="ct-list-item " data-wow-delay="ms"> 482 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 483 <div class="ct-list-meta"> 484 <div class="ct-list-desc"> 485 Las leyes marco son aquellas mediante las cuales se dictan los objetivos y criterios a los cuales debe someterse el Gobierno para el desarrollo de estas materias. 486 </div> 487 </div> 488 </div> 489 <div class="ct-list-item " data-wow-delay="ms"> 490 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 491 <div class="ct-list-meta"> 492 <div class="ct-list-desc"> 493 Los decretos que expide el presidente en desarrollo de las leyes marco previstas en el artÃculo 150, numeral 19, no gozan, ( ) de fuerza material de ley. Ellos tienen por lÃmite el texto de la correspondiente ley general, que fija pautas y criterios al ejecutivo, y no pueden modificarla ni cambiar las reglas que establece. Son decretos tÃpicamente administrativos, y más exactamente reglamentarios, aunque con un ámbito más amplio que el señalado en la Constitución para los decretos expedidos en desarrollo del artÃculo 189, numeral 11, de la Constituciónâ. Corte Constitucional. Sentencia C  608 de 1999. M.P. José Gregorio Hernández Galindo. 494 </div> 495 </div> 496 </div> 497 </div> 498 </div> 499 </div> 500 </div> 501 </div> 502 <div class="elementor-element elementor-element-d981d1b e-flex e-con-boxed e-con e-parent" data-id="d981d1b" data-element_type="container" data-e-type="container"> 503 <div class="e-con-inner"> 504 <div class="elementor-element elementor-element-713a2bd elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="713a2bd" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default"> 505 <div class="elementor-widget-container"> 506 <div class="elementor-divider"> 507 <span class="elementor-divider-separator"> 508 </span> 509 </div> 510 </div> 511 </div> 512 </div> 513 </div> 514 <div class="elementor-element elementor-element-52ff2cb e-flex e-con-boxed e-con e-parent" data-id="52ff2cb" data-element_type="container" data-e-type="container"> 515 <div class="e-con-inner"> 516 <div class="elementor-element elementor-element-fa1641f elementor-widget elementor-widget-ct_heading" data-id="fa1641f" data-element_type="widget" data-e-type="widget" data-widget_type="ct_heading.default"> 517 <div class="elementor-widget-container"> 518 <div id="ct_heading-fa1641f" class="ct-heading h-align- sub-style1 ct-heading-left item-st-default"> 519 <div class="ct-item--inner"> 520 <div class="ct-inline-css" data-css=" 521 "> 522 </div> 523 <h4 class="item--title st-default case-animate-time" data-wow-delay="ms"> 524 <span class="sp-main"> 525 526 Principales Leyes Aplicables 527 528 529 </span> 530 </h4> 531 </div> 532</div> </div> 533 </div> 534 </div> 535 </div> 536 <div class="elementor-element elementor-element-3843845 e-flex e-con-boxed e-con e-parent" data-id="3843845" data-element_type="container" data-e-type="container"> 537 <div class="e-con-inner"> 538 <div class="elementor-element elementor-element-89625ef e-n-tabs-tablet elementor-widget elementor-widget-n-tabs" data-id="89625ef" data-element_type="widget" data-e-type="widget" data-widget_type="nested-tabs.default"> 539 <div class="elementor-widget-container"> 540 <div class="e-n-tabs" data-widget-number="144057839" aria-label="Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys."> 541 <div class="e-n-tabs-heading" role="tablist"> 542 <button id="e-n-tab-title-1440578391" data-tab-title-id="e-n-tab-title-1440578391" class="e-n-tab-title" aria-selected="true" data-tab-index="1" role="tab" tabindex="0" aria-controls="e-n-tab-content-1440578391" style="--n-tabs-title-order: 1;"> 543 <span class="e-n-tab-title-text"> 544 Ley 45 </span> 545 </button> 546 <button id="e-n-tab-title-1440578392" data-tab-title-id="e-n-tab-title-1440578392" class="e-n-tab-title" aria-selected="false" data-tab-index="2" role="tab" tabindex="-1" aria-controls="e-n-tab-content-1440578392" style="--n-tabs-title-order: 2;"> 547 <span class="e-n-tab-title-text"> 548 Ley 35 </span> 549 </button> 550 <button id="e-n-tab-title-1440578393" data-tab-title-id="e-n-tab-title-1440578393" class="e-n-tab-title" aria-selected="false" data-tab-index="3" role="tab" tabindex="-1" aria-controls="e-n-tab-content-1440578393" style="--n-tabs-title-order: 3;"> 551 <span class="e-n-tab-title-text"> 552 Ley 510 </span> 553 </button> 554 <button id="e-n-tab-title-1440578394" data-tab-title-id="e-n-tab-title-1440578394" class="e-n-tab-title" aria-selected="false" data-tab-index="4" role="tab" tabindex="-1" aria-controls="e-n-tab-content-1440578394" style="--n-tabs-title-order: 4;"> 555 <span class="e-n-tab-title-text"> 556 Ley 546 </span> 557 </button> 558 <button id="e-n-tab-title-1440578395" data-tab-title-id="e-n-tab-title-1440578395" class="e-n-tab-title" aria-selected="false" data-tab-index="5" role="tab" tabindex="-1" aria-controls="e-n-tab-content-1440578395" style="--n-tabs-title-order: 5;"> 559 <span class="e-n-tab-title-text"> 560 Ley 795 </span> 561 </button> 562 <button id="e-n-tab-title-1440578396" data-tab-title-id="e-n-tab-title-1440578396" class="e-n-tab-title" aria-selected="false" data-tab-index="6" role="tab" tabindex="-1" aria-controls="e-n-tab-content-1440578396" style="--n-tabs-title-order: 6;"> 563 <span class="e-n-tab-title-text"> 564 Ley 964 </span> 565 </button> 566 <button id="e-n-tab-title-1440578397" data-tab-title-id="e-n-tab-title-1440578397" class="e-n-tab-title" aria-selected="false" data-tab-index="7" role="tab" tabindex="-1" aria-controls="e-n-tab-content-1440578397" style="--n-tabs-title-order: 7;"> 567 <span class="e-n-tab-title-text"> 568 Ley 1238 </span> 569 </button> 570 <button id="e-n-tab-title-1440578398" data-tab-title-id="e-n-tab-title-1440578398" class="e-n-tab-title" aria-selected="false" data-tab-index="8" role="tab" tabindex="-1" aria-controls="e-n-tab-content-1440578398" style="--n-tabs-title-order: 8;"> 571 <span class="e-n-tab-title-text"> 572 Decreto 663 </span> 573 </button> 574 </div> 575 <div class="e-n-tabs-content"> 576 <div id="e-n-tab-content-1440578391" role="tabpanel" aria-labelledby="e-n-tab-title-1440578391" data-tab-index="1" style="--n-tabs-title-order: 1;" class="e-active elementor-element elementor-element-fdd8ca9 e-con-full e-flex e-con e-child" data-id="fdd8ca9" data-element_type="container" data-e-type="container">
577 <div class="elementor-element elementor-element-07f55aa elementor-widget elementor-widget-ct_title" data-id="07f55aa" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 578 <div class="elementor-widget-container"> 579 <div class="ct-title1 style1"> 580 <h3> 581 <span>Ley 45 de 1990</span> 582 <i></i> 583 </h3> 584</div> </div> 585 </div> 586 <div class="elementor-element elementor-element-e64b608 elementor-widget elementor-widget-text-editor" data-id="e64b608" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 587 <div class="elementor-widget-container"> 588 <span>Por la cual se expiden normas en materia de intermediación financiera, se regula la actividad aseguradora, se conceden unas facultades y se dictan otras disposiciones.</span></span> 589 590<span>Es una de las reformas estructurales más importantes del sistema financiero colombiano. Estuvo orientada hacia la liberalización de los mercados y la internacionalización de la economÃa, y dio paso a la estructura de la multibanca dentro del modelo de matrices y filiales. Mediante ésta se autorizó la participación de los establecimientos de crédito en la propiedad de entidades orientadas a la gestión de portafolios, actividades fiduciarias, la administración de pensiones y cesantÃas, y la venta de seguros y corretaje. Otro de sus aportes fue la autorización al Ejecutivo para expedir el primer Estatuto Orgánico del Sistema Financiero, el cual estaba contenido en el Decreto Ley 1730 de 1991.</span></span> </div> 591 </div> 592 <div class="elementor-element elementor-element-42c6090 elementor-widget elementor-widget-ct_title" data-id="42c6090" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 593 <div class="elementor-widget-container"> 594 <div class="ct-title1 style1"> 595 <h3> 596 <span>Contenido de la ley</span> 597 <i></i> 598 </h3> 599</div> </div> 600 </div> 601 <div class="elementor-element elementor-element-44a4d65 elementor-widget elementor-widget-text-editor" data-id="44a4d65" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 602 <div class="elementor-widget-container"> 603 <p>Normas relativas a las instituciones financieras: filiales de servicios y operaciones novedosas; reglas relativas a la organización, integración, escisión y liquidación de instituciones financieras; inspección, control y vigilancia; revisorÃa fiscal y estatuto orgánico y disposiciones complementarias.</span></span></p> 604<p><span>De la actividad aseguradora: disposiciones generales; condiciones de acceso a la actividad aseguradora; condiciones para el ejercicio de la actividad aseguradora; revocación o suspensión del certificado de autorización; disolución y seguros oficiales.</span></span></p> 605<p>Transparencia de las operaciones: intereses, de la competencia y la información, protección de tomadores y asegurados y disposiciones finales.</span></span></p> </div> 606 </div> 607 </div> 608 <div id="e-n-tab-content-1440578392" role="tabpanel" aria-labelledby="e-n-tab-title-1440578392" data-tab-index="2" style="--n-tabs-title-order: 2;" class=" elementor-element elementor-element-3258c88 e-con-full e-flex e-con e-child" data-id="3258c88" data-element_type="container" data-e-type="container"> 609 <div class="elementor-element elementor-element-9f22577 elementor-widget elementor-widget-ct_title" data-id="9f22577" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 610 <div class="elementor-widget-container"> 611 <div class="ct-title1 style1"> 612 <h3> 613 <span>Ley 35 de 1993:</span> 614 <i></i> 615 </h3> 616</div> </div> 617 </div> 618 <div class="elementor-element elementor-element-cf1bde9 elementor-widget elementor-widget-text-editor" data-id="cf1bde9" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 619 <div class="elementor-widget-container"> 620 <p>Por la cual se dictan normas generales y se señalan en ellas los objetivos y criterios a los cuales debe sujetarse el Gobierno Nacional para regular las actividades financiera, bursátil y aseguradora y cualquier otra relacionada con el manejo, aprovechamiento e inversión de recursos captados del público y se dictan otras disposiciones en materia financiera y aseguradora.</p><p>Mediante esta ley se reguló la intervención, inspección, vigilancia y control del Gobierno Nacional en las actividades financiera, bursátil y aseguradora. Igualmente, se estableció el procedimiento de venta de acciones del Estado en instituciones financieras y entidades aseguradoras. En desarrollo de las facultades que esta ley otorgó al Gobierno Nacional para la actualización de la normatividad financiera, se expidió el Decreto 663 de 1993, actual Estatuto Orgánico del Sistema Financiero.</p> </div>
621 </div> 622 </div> 623 <div id="e-n-tab-content-1440578393" role="tabpanel" aria-labelledby="e-n-tab-title-1440578393" data-tab-index="3" style="--n-tabs-title-order: 3;" class=" elementor-element elementor-element-b8ee64e e-con-full e-flex e-con e-child" data-id="b8ee64e" data-element_type="container" data-e-type="container"> 624 <div class="elementor-element elementor-element-b14ddbb elementor-widget elementor-widget-ct_title" data-id="b14ddbb" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 625 <div class="elementor-widget-container"> 626 <div class="ct-title1 style1"> 627 <h3> 628 <span>Ley 510 de 1999</span> 629 <i></i> 630 </h3> 631</div> </div> 632 </div> 633 <div class="elementor-element elementor-element-3c2cf29 elementor-widget elementor-widget-text-editor" data-id="3c2cf29" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 634 <div class="elementor-widget-container"> 635 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Por la cual se dictan disposiciones en relación con el sistema financiero y asegurador, el mercado público de valores, las Superintendencias Bancaria y de Valores y se conceden unas facultades.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Esta ley, publicada el 4 de agosto de 1999, constituyó una reforma al sistema financiero, que incluyó la modificación del régimen de toma de posesión y de los requisitos para la creación de instituciones financieras. Además, estableció un nuevo sistema de crédito a largo plazo para vivienda.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">De manera concreta, esta ley reformó el Estatuto Orgánico del Sistema Financiero en las siguientes materias: Condiciones de ingreso al Sistema Financiero, facultades de intervención del Gobierno Nacional, régimen de inversiones de capital, régimen de los establecimientos bancarios, régimen de las corporaciones financieras, régimen de las corporaciones de ahorro y vivienda, régimen de las compañÃas de financiamiento comercial, medidas cautelares y toma de posesión, Fondo de GarantÃas de Instituciones Financieras y seguro de depósito, Superintendencia Bancaria, disposiciones relativas al mercado de valores, régimen del Banco Cafetero y financiación de vivienda a largo plazo.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Esta ley ha sido modificada y parcialmente derogada por las Leyes 676 de 2001, 964 de 2005 y por el artÃculo 54 del Decreto 775 de 2005.</span></span></p> </div> 636 </div> 637 </div> 638 <div id="e-n-tab-content-1440578394" role="tabpanel" aria-labelledby="e-n-tab-title-1440578394" data-tab-index="4" style="--n-tabs-title-order: 4;" class=" elementor-element elementor-element-8c3f055 e-flex e-con-boxed e-con e-child" data-id="8c3f055" data-element_type="container" data-e-type="container"> 639 <div class="e-con-inner"> 640 <div class="elementor-element elementor-element-bd4d182 elementor-widget elementor-widget-ct_title" data-id="bd4d182" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 641 <div class="elementor-widget-container"> 642 <div class="ct-title1 style1"> 643 <h3> 644 <span>Ley 546 de 1999</span> 645 <i></i> 646 </h3> 647</div> </div> 648 </div> 649 <div class="elementor-element elementor-element-b4e52fb elementor-widget elementor-widget-text-editor" data-id="b4e52fb" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 650 <div class="elementor-widget-container"> 651 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Por la cual se dictan normas en materia de vivienda, se señalan los objetivos y criterios generales a los cuales debe sujetarse el Gobierno Nacional para regular un sistema especializado para su financiación, se crean instrumentos de ahorro destinado a dicha financiación, se dictan medidas relacionadas con los impuestos y otros costos vinculados a la construcción y negociación de vivienda y se expiden otras disposiciones.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">La importancia de esta norma radica en que modificó la estructura de la financiación de vivienda al introducir la denominada Unidad de Valor Real Constante, UVR, unidad que permite ajustar el valor de los créditos en el tiempo de acuerdo con el costo de vida del paÃs (Ãndice de Precios al Consumidor, IPC). La ley facultó al Consejo de PolÃtica Económica
651y Social (Conpes) para establecer la metodologÃa de cálculo del valor de la UVR. Actualmente, el valor de la UVR es calculado por el Banco de la República para cada uno de los dÃas del año. Otros aportes de la conocida Ley de Vivienda son la innovación en modelos y estructuras para el crédito hipotecario, por ejemplo, el sistema de titularización, y el impulso al desarrollo de garantÃas estatales para los créditos de vivienda de interés social.</span></span></p> </div> 652 </div> 653 <div class="elementor-element elementor-element-ca9f8e0 elementor-widget elementor-widget-ct_title" data-id="ca9f8e0" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 654 <div class="elementor-widget-container"> 655 <div class="ct-title1 style1"> 656 <h3> 657 <span>Contenido de la ley</span> 658 <i></i> 659 </h3> 660</div> </div> 661 </div> 662 <div class="elementor-element elementor-element-541777f elementor-widget elementor-widget-text-editor" data-id="541777f" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 663 <div class="elementor-widget-container"> 664 <section class="elementor-section elementor-top-section elementor-element elementor-element-845db48 elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none" data-id="845db48" data-element_type="section"><div class="elementor-container elementor-column-gap-default "><div class="elementor-row"><div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e88546d" data-id="e88546d" data-element_type="column"><div class="elementor-column-wrap elementor-element-populated"><div class="elementor-widget-wrap"><div class="elementor-element elementor-element-6523689 elementor-widget elementor-widget-ct_tabs" data-id="6523689" data-element_type="widget" data-widget_type="ct_tabs.default"><div class="elementor-widget-container"><div class="ct-tabs ct-tabs--layout1 type-horizontal style4"><div class="ct-tabs-content"><div id="ct_tabs-6523689-9bbae64" class="ct-tab-content "><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Disposiciones generales, recursos para la financiación de vivienda, titularizaciones, régimen tributario de los bonos hipotecarios y de los tÃtulos representativos de cartera hipotecaria, régimen de financiación de vivienda a largo plazo, vivienda de interés social, mecanismos de solución de conflictos, régimen de transición y otras disposiciones.</span></span></p></div></div></div></div></div></div></div></div></div></div></section><section class="elementor-section elementor-top-section elementor-element elementor-element-7a49490 elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none" data-id="7a49490" data-element_type="section"><div class="elementor-container elementor-column-gap-default "><div class="elementor-row"><div class="elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d027077" data-id="d027077" data-element_type="column"><div class="elementor-column-wrap elementor-element-populated"><div class="elementor-widget-wrap"><div class="elementor-element elementor-element-6024ed5 elementor-widget elementor-widget-ct_heading" data-id="6024ed5" data-element_type="widget" data-widget_type="ct_heading.default"><div class="elementor-widget-container"><span style="text-align: left; font-family: inherit; font-weight: inherit; letter-spacing: 0px;"><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Disposiciones generales, recursos para la financiación de vivienda, titularizaciones, régimen tributario de los bonos hipotecarios y de los tÃtulos representativos de cartera hipotecaria, régimen de financiación de vivienda a largo plazo, vivienda de interés social, mecanismos de solución de conflictos, régimen de transición y otras disposiciones.</span></span></span><span style="text-align: left; font-family: inherit; font-weight: inherit; letter-spacing: 0px;"> </span></div></div></div></div></div></div></div></section> </div>
665 </div> 666 </div> 667 </div> 668 <div id="e-n-tab-content-1440578395" role="tabpanel" aria-labelledby="e-n-tab-title-1440578395" data-tab-index="5" style="--n-tabs-title-order: 5;" class=" elementor-element elementor-element-2db6543 e-flex e-con-boxed e-con e-child" data-id="2db6543" data-element_type="container" data-e-type="container"> 669 <div class="e-con-inner"> 670 <div class="elementor-element elementor-element-e48a0f7 elementor-widget elementor-widget-ct_title" data-id="e48a0f7" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 671 <div class="elementor-widget-container"> 672 <div class="ct-title1 style1"> 673 <h3> 674 <span>Ley 795 de 2003:</span> 675 <i></i> 676 </h3> 677</div> </div> 678 </div> 679 <div class="elementor-element elementor-element-b56d804 elementor-widget elementor-widget-text-editor" data-id="b56d804" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 680 <div class="elementor-widget-container"> 681 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Por la cual se ajustan algunas normas del Estatuto Orgánico del Sistema Financiero y se dictan otras disposiciones.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Esta ley introdujo modificaciones a los institutos de salvamento y protección de la confianza del público, la exclusión de activos y pasivos y el desmonte progresivo de operaciones. También reformó el régimen sancionatorio, especialmente el procedimiento para la interposición de sanciones, como consecuencia de algunos pronunciamientos de la rama jurisdiccional relacionados con las facultades sancionatorias de la Superintendencia Bancaria de la época.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Además, incluyó normas en lo relacionado con los siguientes temas: régimen de conflictos de interés, reglas de conducta de los administradores, derechos de información en cabeza de los usuarios, y autorizó a los establecimientos de crédito la realización de dos nuevas operaciones: administración Âno fiduciaria de cartera y operaciones de leasing habitacional.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Los capÃtulos contenidos en esta ley son los siguientes: Disposiciones que modifican el Estatuto Orgánico del Sistema Financiero, régimen sancionatorio, reglas generales, régimen personal, régimen institucional, intereses sobre sanciones, Fondo Nacional de GarantÃas S.A. y otras disposiciones relacionadas con el sector financiero.</span></span></p> </div> 682 </div> 683 </div> 684 </div> 685 <div id="e-n-tab-content-1440578396" role="tabpanel" aria-labelledby="e-n-tab-title-1440578396" data-tab-index="6" style="--n-tabs-title-order: 6;" class=" elementor-element elementor-element-51fc8e2 e-flex e-con-boxed e-con e-child" data-id="51fc8e2" data-element_type="container" data-e-type="container"> 686 <div class="e-con-inner"> 687 <div class="elementor-element elementor-element-8d8e7dc elementor-widget elementor-widget-ct_title" data-id="8d8e7dc" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 688 <div class="elementor-widget-container"> 689 <div class="ct-title1 style1"> 690 <h3> 691 <span>Ley 964 de 2005:</span> 692 <i></i> 693 </h3> 694</div> </div> 695 </div> 696 <div class="elementor-element elementor-element-a930956 elementor-widget elementor-widget-text-editor" data-id="a930956" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 697 <div class="elementor-widget-container"> 698 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Por la cual se dictan normas generales y se señalan en ellas los objetivos y criterios a los cuales debe sujetarse el Gobierno Nacional para regular las actividades de manejo, aprovechamiento e inversión de recursos captados del público que se efectúen mediante valores, y se dictan otras disposiciones.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Mediante esta ley, conocida como del mercado de valores, se dictan disposiciones sobre: los objetivos y criterios de intervención del Gobierno Nacional que impliquen el manejo o inversión de recursos captados del público a través de valores, las actividades del mercado de valores y el concepto de valor, la supervisión del sistema integral de información del mercado de valores, los sistemas de compensación y liquidación de obligaciones, la anotación en cuenta y las operaciones sobre valores, las cámaras de riesgo central de contraparte, autorregulación del mercado de valores, protección a inversionistas, infracciones, sanciones administrativas y el procedimiento sancionatorio.</span></span></p> </div>
699 </div> 700 </div> 701 </div> 702 <div id="e-n-tab-content-1440578397" role="tabpanel" aria-labelledby="e-n-tab-title-1440578397" data-tab-index="7" style="--n-tabs-title-order: 7;" class=" elementor-element elementor-element-f0c8b75 e-flex e-con-boxed e-con e-child" data-id="f0c8b75" data-element_type="container" data-e-type="container"> 703 <div class="e-con-inner"> 704 <div class="elementor-element elementor-element-5112a1b elementor-widget elementor-widget-ct_title" data-id="5112a1b" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 705 <div class="elementor-widget-container"> 706 <div class="ct-title1 style1"> 707 <h3> 708 <span>Ley 1238 de 2009:</span> 709 <i></i> 710 </h3> 711</div> </div> 712 </div> 713 <div class="elementor-element elementor-element-8fe96da elementor-widget elementor-widget-text-editor" data-id="8fe96da" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 714 <div class="elementor-widget-container"> 715 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Por la cual se dictan normas en materia financiera, de seguros, del mercado de valores y otras disposiciones.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">La modificación más importante introducida por esta ley es el régimen de protección al consumidor financiero, en el cual se incluyeron los siguientes temas, entre otros: derechos y obligaciones, Sistema de Atención al Consumidor Financiero (SAC), suministro de información al consumidor y cláusulas y prácticas abusivas. También introdujo una modificación importante al sistema pensional colombiano al establecer un sistema de multifondos, los cuales, para su funcionamiento, tendrán en cuenta el perfil de riesgo de los afiliados. Sobre la estructura del sistema financiero, eliminó la palabra comercial de la denominación legal de las compañÃas de financiamiento comercial, autorizó a los establecimientos de crédito la realización de dos nuevas operaciones (otorgar crédito para adquirir el control de otras sociedades o asociaciones y realizar operaciones de leasing y arrendamiento sin opción de compra) y clasificó como sociedades de servicios financieros a las antiguas casas de cambio, les cambió su denominación legal por sociedades de intermediación cambiaria y de servicios financieros especiales y les autorizó la realización de nuevas operaciones, entre las que se destaca la de ser corresponsales no bancarios.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">También introdujo las modificaciones necesarias para el cumplimiento de los compromisos adquiridos por el paÃs en acuerdos de integración comercial con otros paÃses para la liberalización comercial de los servicios financieros. Acerca de la Superintendencia Financiera de Colombia, estableció como criterios para el ejercicio de la supervisión los principios de materialidad y de acceso a la información para la protección de la estabilidad y confianza en el sistema financiero, y le otorgó facultades para el ejercicio de una supervisión comprensiva consolidada. Finalmente, hizo referencia a otros temas como la titularización de la cartera hipotecaria y de los contratos de leasing habitacional, la impugnación de las decisiones de los organismos autorreguladores y la normalización de cartera, entre otros.</span></span></p> </div> 716 </div> 717 </div> 718 </div> 719 <div id="e-n-tab-content-1440578398" role="tabpanel" aria-labelledby="e-n-tab-title-1440578398" data-tab-index="8" style="--n-tabs-title-order: 8;" class=" elementor-element elementor-element-5864280 e-flex e-con-boxed e-con e-child" data-id="5864280" data-element_type="container" data-e-type="container"> 720 <div class="e-con-inner"> 721 <div class="elementor-element elementor-element-436eadc elementor-widget elementor-widget-ct_title" data-id="436eadc" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 722 <div class="elementor-widget-container"> 723 <div class="ct-title1 style1"> 724 <h3>
725 <span>Estatuto orgánico del sistema Financiero</span> 726 <i></i> 727 </h3> 728</div> </div> 729 </div> 730 <div class="elementor-element elementor-element-77a2b9e elementor-widget elementor-widget-text-editor" data-id="77a2b9e" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 731 <div class="elementor-widget-container"> 732 <p>Es el Decreto 663 de 1993, el cual fue expedido con base en las facultades extraordinarias que la Ley 45 de 1990 le otorgó al Gobierno Nacional para sistematizar, integrar y armonizar las normas vigentes sobre la materia. Después, la Ley 35 de 1993 nuevamente otorgó al Gobierno Nacional facultades extraordinarias para su actualización, reorganización y numeración.</p><p>Su naturaleza es la de un cuerpo normativo que integra toda la legislación aplicable al sector financiero, y por tratarse de una compilación de leyes tiene fuerza de ley. El Estatuto se ha mantenido actualizado a través del tiempo con la incorporación de las leyes que se han promulgado con posterioridad a su expedición.</p> </div> 733 </div> 734 </div> 735 </div> 736 </div> 737 </div> 738 </div> 739 </div> 740 </div> 741 </div> 742 <div class="elementor-element elementor-element-20d1dea e-flex e-con-boxed e-con e-parent" data-id="20d1dea" data-element_type="container" data-e-type="container"> 743 <div class="e-con-inner"> 744 <div class="elementor-element elementor-element-a0dab76 elementor-widget-divider--view-line elementor-widget elementor-widget-divider" data-id="a0dab76" data-element_type="widget" data-e-type="widget" data-widget_type="divider.default"> 745 <div class="elementor-widget-container"> 746 <div class="elementor-divider"> 747 <span class="elementor-divider-separator"> 748 </span> 749 </div> 750 </div> 751 </div> 752 </div> 753 </div> 754 <div class="elementor-element elementor-element-747a773 e-flex e-con-boxed e-con e-parent" data-id="747a773" data-element_type="container" data-e-type="container"> 755 <div class="e-con-inner"> 756 <div class="elementor-element elementor-element-a675a0a elementor-widget elementor-widget-ct_heading" data-id="a675a0a" data-element_type="widget" data-e-type="widget" data-widget_type="ct_heading.default"> 757 <div class="elementor-widget-container"> 758 <div id="ct_heading-a675a0a" class="ct-heading h-align- sub-style1 ct-heading-left item-st-default"> 759 <div class="ct-item--inner"> 760 <div class="ct-inline-css" data-css=" 761 "> 762 </div> 763 <h4 class="item--title st-default case-animate-time" data-wow-delay="ms"> 764 <span class="sp-main"> 765 766 Marco JurÃdico del Sector Financiero Colombiano 767 768 769 </span> 770 </h4> 771 </div> 772</div> </div> 773 </div> 774 <div class="elementor-element elementor-element-0e2ebf1 elementor-widget elementor-widget-text-editor" data-id="0e2ebf1" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 775 <div class="elementor-widget-container"> 776 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">El Estatuto Orgánico del Sistema Financiero establece la siguiente estructura general del sector financiero y asegurador.</span></span><br /><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Divide las entidades que lo integran en las siguientes categorÃas:</span></span></p> </div> 777 </div> 778 <div class="elementor-element elementor-element-d37489d elementor-widget elementor-widget-ct_list" data-id="d37489d" data-element_type="widget" data-e-type="widget" data-widget_type="ct_list.default"> 779 <div class="elementor-widget-container"> 780 <div class="ct-list style4 "> 781 <div class="ct-list-item " data-wow-delay="ms"> 782 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 783 <div class="ct-list-meta"> 784 <div class="ct-list-desc"> 785 Establecimientos de crédito. </div> 786 </div> 787 </div> 788 <div class="ct-list-item " data-wow-delay="ms"> 789 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 790 <div class="ct-list-meta"> 791 <div class="ct-list-desc"> 792 Sociedades de servicios financieros. </div> 793 </div> 794 </div> 795 <div class="ct-list-item " data-wow-delay="ms"> 796 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 797 <div class="ct-list-meta"> 798 <div class="ct-list-desc"> 799 Sociedades de capitalización. </div> 800 </div> 801 </div> 802 <div class="ct-list-item " data-wow-delay="ms"> 803 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 804 <div class="ct-list-meta"> 805 <div class="ct-list-desc"> 806 Entidades con régimen especial. </div> 807 </div> 808 </div> 809 <div class="ct-list-item " data-wow-delay="ms"> 810 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 811 <div class="ct-list-meta"> 812 <div class="ct-list-desc"> 813 Entidades aseguradoras. </div> 814 </div> 815 </div> 816 <div class="ct-list-item " data-wow-delay="ms"> 817 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 818 <div class="ct-list-meta"> 819 <div class="ct-list-desc"> 820 Intermediarios de seguros y reaseguros. </div> 821 </div> 822 </div> 823 <div class="ct-list-item " data-wow-delay="ms"> 824 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 825 <div class="ct-list-meta"> 826 <div class="ct-list-desc"> 827 Sociedades de servicios técnicos y administrativos. </div> 828 </div> 829 </div> 830 </div> 831 </div>
832 </div> 833 <div class="elementor-element elementor-element-36a0e63 elementor-widget elementor-widget-text-editor" data-id="36a0e63" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 834 <div class="elementor-widget-container"> 835 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">La propia ley define las actividades que pueden o no realizar estas entidades. Por esta razón, las entidades financieras que conforman el sector financiero y asegurador en Colombia tienen un objeto social reglado, es decir, que está limitado por la ley.</span></span></p> </div> 836 </div> 837 <div class="elementor-element elementor-element-c54cf57 e-n-tabs-tablet elementor-widget elementor-widget-n-tabs" data-id="c54cf57" data-element_type="widget" data-e-type="widget" data-settings="{"tabs_justify_horizontal":"stretch","horizontal_scroll":"disable"}" data-widget_type="nested-tabs.default"> 838 <div class="elementor-widget-container"> 839 <div class="e-n-tabs" data-widget-number="206884695" aria-label="Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys."> 840 <div class="e-n-tabs-heading" role="tablist"> 841 <button id="e-n-tab-title-2068846951" data-tab-title-id="e-n-tab-title-2068846951" class="e-n-tab-title" aria-selected="true" data-tab-index="1" role="tab" tabindex="0" aria-controls="e-n-tab-content-2068846951" style="--n-tabs-title-order: 1;"> 842 <span class="e-n-tab-title-text"> 843 Establecimiento de crédito </span> 844 </button> 845 <button id="e-n-tab-title-2068846952" data-tab-title-id="e-n-tab-title-2068846952" class="e-n-tab-title" aria-selected="false" data-tab-index="2" role="tab" tabindex="-1" aria-controls="e-n-tab-content-2068846952" style="--n-tabs-title-order: 2;"> 846 <span class="e-n-tab-title-text"> 847 Sociedades </span> 848 </button> 849 <button id="e-n-tab-title-2068846953" data-tab-title-id="e-n-tab-title-2068846953" class="e-n-tab-title" aria-selected="false" data-tab-index="3" role="tab" tabindex="-1" aria-controls="e-n-tab-content-2068846953" style="--n-tabs-title-order: 3;"> 850 <span class="e-n-tab-title-text"> 851 Entidades </span> 852 </button> 853 <button id="e-n-tab-title-2068846954" data-tab-title-id="e-n-tab-title-2068846954" class="e-n-tab-title" aria-selected="false" data-tab-index="4" role="tab" tabindex="-1" aria-controls="e-n-tab-content-2068846954" style="--n-tabs-title-order: 4;"> 854 <span class="e-n-tab-title-text"> 855 Intermediarios & Normas </span> 856 </button> 857 </div> 858 <div class="e-n-tabs-content"> 859 <div id="e-n-tab-content-2068846951" role="tabpanel" aria-labelledby="e-n-tab-title-2068846951" data-tab-index="1" style="--n-tabs-title-order: 1;" class="e-active elementor-element elementor-element-3b57735 e-con-full e-flex e-con e-child" data-id="3b57735" data-element_type="container" data-e-type="container"> 860 <div class="elementor-element elementor-element-04fa4f0 elementor-widget elementor-widget-text-editor" data-id="04fa4f0" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 861 <div class="elementor-widget-container"> 862 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Son aquellos que tienen como función principal la intermediación, es decir, la captación de recursos del público en moneda legal, a través de depósitos a la vista o a término, para su posterior colocación mediante préstamos, descuentos, anticipos u otras operaciones activas de crédito. Las siguientes son las entidades que se consideran establecimientos de crédito:</span></span></p> </div> 863 </div> 864 <div class="elementor-element elementor-element-96ae676 elementor-widget elementor-widget-ct_list" data-id="96ae676" data-element_type="widget" data-e-type="widget" data-widget_type="ct_list.default"> 865 <div class="elementor-widget-container"> 866 <div class="ct-list style4 "> 867 <div class="ct-list-item " data-wow-delay="ms"> 868 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 869 <div class="ct-list-meta"> 870 <div class="ct-list-desc"> 871 <span style="color: #033D6F;"><strong>Establecimientos bancarios: </strong></span>Su función principal es la captación de recursos en cuenta corriente, bancaria o en otros depósitos a la vista o a término, con el fin de realizar operaciones activas de crédito. </div> 872 </div> 873 </div> 874 <div class="ct-list-item " data-wow-delay="ms"> 875 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 876 <div class="ct-list-meta"> 877 <div class="ct-list-desc"> 878 <span style="color: #033D6F;"><strong>Corporaciones de ahorro y vivienda:</strong></span> 1 Aunque, como desarrollo de la disposición contenida en la Ley 546 de 1999, las corporaciones de ahorro y vivienda se convirtieron en bancos comerciales, en el Estatuto Orgánico del Sistema Financiero se conserva su definición: Instituciones que tenÃan como función principal la captación de recursos para realizar operaciones activas de crédito hipotecario de largo plazo. </div> 879 </div> 880 </div> 881 <div class="ct-list-item " data-wow-delay="ms"> 882 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 883 <div class="ct-list-meta"> 884 <div class="ct-list-desc"> 885 <span style="color: #033D6F;"><strong>Corporaciones financieras:</strong></span> Su función principal es la captación de recursos a término, a través de depósitos o de instrumentos de deuda a plazo, con el fin de realizar operaciones activas de crédito y efectuar inversiones; esto con el objeto primordial de fomentar o promover la creación, reorganización, fusión, transformación y expansión de empresas en el sector real de la economÃa. </div> 886 </div> 887 </div> 888 <div class="ct-list-item " data-wow-delay="ms"> 889 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 890 <div class="ct-list-meta"> 891 <div class="ct-list-desc"> 892 <span style="color: #033D6F;"><strong>CompañÃas de financiamiento:</strong></span> Su función principal es captar recursos a término, con el objeto de realizar operaciones activas de crédito para facilitar la comercialización de bienes y servicios, y realizar operaciones de arrend
892amiento financiero o leasing. Esto implica que la captación de recursos que efectúan se utiliza para la satisfacción de la demanda de créditos de consumo. </div> 893 </div> 894 </div> 895 <div class="ct-list-item " data-wow-delay="ms"> 896 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 897 <div class="ct-list-meta"> 898 <div class="ct-list-desc"> 899 <span style="color: #033D6F;"><strong>Cooperativas financieras: </strong> </span>Organismos cooperativos especializados cuya función principal consiste en la intermediación; sin embargo, por tener una naturaleza jurÃdica distinta, su funcionamiento se rige por las disposiciones de la Ley 79 de 1988. En todo caso, las operaciones que realicen se rigen por lo previsto en el Estatuto Orgánico del Sistema Financiero y demás normas que les sean aplicables. 900 </div> 901 </div> 902 </div> 903 </div> 904 </div> 905 </div> 906 </div> 907 <div id="e-n-tab-content-2068846952" role="tabpanel" aria-labelledby="e-n-tab-title-2068846952" data-tab-index="2" style="--n-tabs-title-order: 2;" class=" elementor-element elementor-element-3a31038 e-con-full e-flex e-con e-child" data-id="3a31038" data-element_type="container" data-e-type="container"> 908 <div class="elementor-element elementor-element-7a82169 elementor-widget elementor-widget-ct_title" data-id="7a82169" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 909 <div class="elementor-widget-container"> 910 <div class="ct-title1 style1"> 911 <h3> 912 <span>Sociedades de Servicios Financieros</span> 913 <i></i> 914 </h3> 915</div> </div> 916 </div> 917 <div class="elementor-element elementor-element-4ee8d0b elementor-widget elementor-widget-text-editor" data-id="4ee8d0b" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 918 <div class="elementor-widget-container"> 919 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Aunque la ley no define de manera general su actividad, establece que tienen por función la realización de las operaciones previstas en el régimen legal que regula su actividad. En todo caso, estas entidades no se dedican a realizar actividades de intermediación, sino a la asesorÃa especializada en el manejo de recursos. Adicionalmente, el régimen de inversiones de los establecimientos de crédito los autoriza a efectuar inversiones en este tipo de entidades. Ãstas son:</span></span></p> </div> 920 </div> 921 <div class="elementor-element elementor-element-977fdb6 elementor-widget elementor-widget-ct_list" data-id="977fdb6" data-element_type="widget" data-e-type="widget" data-widget_type="ct_list.default"> 922 <div class="elementor-widget-container"> 923 <div class="ct-list style4 "> 924 <div class="ct-list-item " data-wow-delay="ms"> 925 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 926 <div class="ct-list-meta"> 927 <div class="ct-list-desc"> 928 <span style="color: #033D6F;"><strong>Sociedades fiduciarias: </strong></span>Su actividad está encaminada a la realización de operaciones de fiducia mercantil y a la celebración de contratos de fiducia. </div> 929 </div> 930 </div> 931 <div class="ct-list-item " data-wow-delay="ms"> 932 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 933 <div class="ct-list-meta"> 934 <div class="ct-list-desc"> 935 <span style="color: #033D6F;"><strong>Almacenes generales de depósito: </strong></span>Son aquellas entidades que se encargan de custodiar mercancÃas sobre las que se expiden certificados de depósito, que son tÃtulos valores negociables por sus propietarios. 936 </div> 937 </div> 938 </div> 939 <div class="ct-list-item " data-wow-delay="ms"> 940 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 941 <div class="ct-list-meta"> 942 <div class="ct-list-desc"> 943 <span style="color: #033D6F;"><strong>Sociedades administradoras de fondos de pensiones y de cesantÃas: </strong></span>Como su nombre lo indica, su objeto principal consiste en la administración de los aportes que los empleadores y los trabajadores efe
943ctúan por concepto de pensiones y de cesantÃas. 944 </div> 945 </div> 946 </div> 947 <div class="ct-list-item " data-wow-delay="ms"> 948 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 949 <div class="ct-list-meta"> 950 <div class="ct-list-desc"> 951 <span style="color: #033D6F;"><strong>Sociedades de Intermediación Cambiaria y de Servicios Financieros Especiales: </strong></span>La reforma financiera del 2009 estableció que, en adelante, las casas de cambio se denominarán sociedades de servicios financieros. Además, les autorizó la realización de pagos, recaudos, giros y transferencias nacionales en moneda nacional y pueden ser corresponsales no bancarios. 952 </div> 953 </div> 954 </div> 955 </div> 956 </div> 957 </div> 958 <div class="elementor-element elementor-element-5f03297 elementor-widget elementor-widget-text-editor" data-id="5f03297" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 959 <div class="elementor-widget-container"> 960 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">1 El artÃculo 5 de la Ley 546 de 1999 estableció que estas entidades tendrÃan la naturaleza de bancos comerciales, y les otorgó un plazo de treinta y seis meses para hacer las adecuaciones necesarias, el cual se venció en el 2002.</span></span></p> </div> 961 </div> 962 <div class="elementor-element elementor-element-1cc7167 elementor-widget elementor-widget-ct_title" data-id="1cc7167" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 963 <div class="elementor-widget-container"> 964 <div class="ct-title1 style1"> 965 <h3> 966 <span>Sociedades de Capitalización</span> 967 <i></i> 968 </h3> 969</div> </div> 970 </div> 971 <div class="elementor-element elementor-element-d96c255 elementor-widget elementor-widget-text-editor" data-id="d96c255" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 972 <div class="elementor-widget-container"> 973 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Su función consiste en estimular el ahorro, mediante la constitución, en cualquier forma, de capitales determinados, a cambio de desembolsos únicos o periódicos, con posibilidad o sin ella de reembolsos anticipados por medio de sorteos. Estas entidades no realizan actividades de intermediación, sino que se dedican únicamente a estimular el ahorro en la sociedad.</span></span></p> </div> 974 </div> 975 <div class="elementor-element elementor-element-f1ff152 elementor-widget elementor-widget-ct_title" data-id="f1ff152" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 976 <div class="elementor-widget-container"> 977 <div class="ct-title1 style1"> 978 <h3> 979 <span>Sociedades de Servicios técnicos y administrativos</span> 980 <i></i> 981 </h3> 982</div> </div> 983 </div> 984 <div class="elementor-element elementor-element-e3818d1 elementor-widget elementor-widget-text-editor" data-id="e3818d1" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 985 <div class="elementor-widget-container"> 986 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Su actividad se concentra en la realización de operaciones complementarias o de apoyo a las actividades de prestación de servicios financieros; las entidades financieras están autorizadas a invertir en ellas.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Una vez el Estatuto Orgánico del Sistema Financiero determina cuáles son las entidades pertenecientes al sector, establece los objetivos de la intervención del Gobierno Nacional en la actividad financiera, aseguradora y las demás relacionadas con el manejo, aprovechamiento e inversión de los recursos captados del público; posteriormente determina las facultades con que cuenta el Gobierno Nacional para
986intervenir en dichas actividades.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Entre estas facultades se destacan las siguientes:</span></span></p> </div> 987 </div> 988 <div class="elementor-element elementor-element-d7a9074 elementor-widget elementor-widget-ct_list" data-id="d7a9074" data-element_type="widget" data-e-type="widget" data-widget_type="ct_list.default"> 989 <div class="elementor-widget-container"> 990 <div class="ct-list style4 "> 991 <div class="ct-list-item " data-wow-delay="ms"> 992 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 993 <div class="ct-list-meta"> 994 <div class="ct-list-desc"> 995 Autorizar las operaciones que pueden realizar las entidades financieras. </div> 996 </div> 997 </div> 998 <div class="ct-list-item " data-wow-delay="ms"> 999 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 1000 <div class="ct-list-meta"> 1001 <div class="ct-list-desc"> 1002 Fijar los plazos de las operaciones autorizadas. </div> 1003 </div> 1004 </div> 1005 <div class="ct-list-item " data-wow-delay="ms"> 1006 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 1007 <div class="ct-list-meta"> 1008 <div class="ct-list-desc"> 1009 Establecer las normas para que las entidades mantengan adecuados niveles de patrimonio. </div> 1010 </div> 1011 </div> 1012 <div class="ct-list-item " data-wow-delay="ms"> 1013 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 1014 <div class="ct-list-meta"> 1015 <div class="ct-list-desc"> 1016 Dictar normas que amplÃen los mecanismos de regulación prudencial. </div> 1017 </div> 1018 </div> 1019 <div class="ct-list-item " data-wow-delay="ms"> 1020 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 1021 <div class="ct-list-meta"> 1022 <div class="ct-list-desc"> 1023 Establecer normas tendientes a la prevención del lavado de activos en las entidades. 1024 </div> 1025 </div> 1026 </div> 1027 </div> 1028 </div> 1029 </div> 1030 </div> 1031 <div id="e-n-tab-content-2068846953" role="tabpanel" aria-labelledby="e-n-tab-title-2068846953" data-tab-index="3" style="--n-tabs-title-order: 3;" class=" elementor-element elementor-element-c2b6398 e-con-full e-flex e-con e-child" data-id="c2b6398" data-element_type="container" data-e-type="container"> 1032 <div class="elementor-element elementor-element-c40a6de elementor-widget elementor-widget-ct_title" data-id="c40a6de" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 1033 <div class="elementor-widget-container"> 1034 <div class="ct-title1 style1"> 1035 <h3> 1036 <span>Entidades con Régimen Especial</span> 1037 <i></i> 1038 </h3> 1039</div> </div> 1040 </div> 1041 <div class="elementor-element elementor-element-d6ff8ba elementor-widget elementor-widget-text-editor" data-id="d6ff8ba" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1042 <div class="elementor-widget-container"> 1043 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Son entidades financieras cuya creación y funcionamiento se encuentran establecidos en normas especiales. Findeter, Finagro, Fondo Nacional de GarantÃas, etc. son ejemplos de ellas.</span></span></p> </div> 1044 </div> 1045 <div class="elementor-element elementor-element-8451d1a elementor-widget elementor-widget-ct_title" data-id="8451d1a" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 1046 <div class="elementor-widget-container"> 1047 <div class="ct-title1 style1"> 1048 <h3>
1049 <span>Entidades Aseguradoras</span> 1050 <i></i> 1051 </h3> 1052</div> </div> 1053 </div> 1054 <div class="elementor-element elementor-element-79ac604 elementor-widget elementor-widget-text-editor" data-id="79ac604" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1055 <div class="elementor-widget-container"> 1056 Lo son las compañÃas y las cooperativas de seguros y de reaseguros. 1057 </div> 1058 </div> 1059 </div> 1060 <div id="e-n-tab-content-2068846954" role="tabpanel" aria-labelledby="e-n-tab-title-2068846954" data-tab-index="4" style="--n-tabs-title-order: 4;" class=" elementor-element elementor-element-a1f7704 e-flex e-con-boxed e-con e-child" data-id="a1f7704" data-element_type="container" data-e-type="container"> 1061 <div class="e-con-inner"> 1062 <div class="elementor-element elementor-element-ccb3f12 elementor-widget elementor-widget-ct_title" data-id="ccb3f12" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 1063 <div class="elementor-widget-container"> 1064 <div class="ct-title1 style1"> 1065 <h3> 1066 <span>Intermediarios de Seguros e Intermediarios de Reaseguros</span> 1067 <i></i> 1068 </h3> 1069</div> </div> 1070 </div> 1071 <div class="elementor-element elementor-element-2d6b368 elementor-widget elementor-widget-text-editor" data-id="2d6b368" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1072 <div class="elementor-widget-container"> 1073 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Los corredores, las agencias, los agentes y los intermediarios de reaseguros son quienes realizan actividades de corretaje de seguros y de reaseguros.</span></span></p> </div> 1074 </div> 1075 <div class="elementor-element elementor-element-c13e1aa elementor-widget elementor-widget-ct_title" data-id="c13e1aa" data-element_type="widget" data-e-type="widget" data-widget_type="ct_title.default"> 1076 <div class="elementor-widget-container"> 1077 <div class="ct-title1 style1"> 1078 <h3> 1079 <span>Normas Relativas al funcionamiento de las Instituciones Financieras</span> 1080 <i></i> 1081 </h3> 1082</div> </div> 1083 </div> 1084 <div class="elementor-element elementor-element-e71ae44 elementor-widget elementor-widget-text-editor" data-id="e71ae44" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1085 <div class="elementor-widget-container"> 1086 <p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Debido a la importancia de la actividad financiera, para establecer una entidad financiera en el paÃs es necesario recibir autorización expresa y previa por parte de la Superintendencia Financiera. Para ello, es condición que estas entidades sean sociedades anónimas mercantiles o asociaciones de naturaleza cooperativa. Asimismo, la correspondiente autorización se otorgará siempre y cuando cumplan con los requisitos de viabilidad, capitales mÃnimos según el tipo de entidad, idoneidad y solvencia patrimonial de los accionistas y de los administradores. Después, se determina el régimen patrimonial aplicable a estas entidades. En dicho régimen se imponen unos requisitos mÃnimos de capital que, como se mencionó, deben ser acreditados al momento de la constitución de la respectiva entidad y mantenidos durante todo su funcionamiento.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">El Estatuto incorpora, también, normas referentes a la propiedad accionaria de las entidades, a la protección al consumidor, al régimen de oficinas y a la prevención de actividades delictivas, especialmente en lo relativo al lavado de activos.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">El régimen de inversiones contiene dos tipos de inversiones: las que están expresamente autorizadas a los establecimientos de crédito y aquellas que son de carácter obligatorio.</span></span></p><p><span dir="auto" style="vertical-align: inherit;"><span dir="auto" style="vertical-align: inherit;">Más adelante, el Estatuto regula lo concerniente a las operaciones que se encuentran expresamente autorizadas a las distintas categorÃas de entidades financieras, y, finalmente, se refiere al régimen sancionatorio, de cuya aplicación se encarga la Superintendencia Financiera.</span></span></p> </div>
1087 </div> 1088 </div> 1089 </div> 1090 </div> 1091 </div> 1092 </div> 1093 </div> 1094 </div> 1095 </div> 1096 <div class="elementor-element elementor-element-d419316 e-flex e-con-boxed e-con e-parent" data-id="d419316" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1097 <div class="e-con-inner"> 1098 <div class="elementor-element elementor-element-ca5882a elementor-widget elementor-widget-ct_heading" data-id="ca5882a" data-element_type="widget" data-e-type="widget" data-widget_type="ct_heading.default"> 1099 <div class="elementor-widget-container"> 1100 <div id="ct_heading-ca5882a" class="ct-heading h-align-center sub-style1 ct-heading-left item-st-default"> 1101 <div class="ct-item--inner"> 1102 <div class="ct-inline-css" data-css=" 1103 "> 1104 </div> 1105 <h4 class="item--title st-default case-animate-time" data-wow-delay="ms"> 1106 <span class="sp-main"> 1107 1108 Informe Semanal de Regulación 1109 1110 1111 </span> 1112 </h4> 1113 </div> 1114</div> </div> 1115 </div> 1116 <div class="elementor-element elementor-element-cbc7e96 elementor-grid-3 elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid" data-id="cbc7e96" data-element_type="widget" data-e-type="widget" data-settings="{"template_id":19676,"pagination_type":"numbers","_skin":"post","columns":"3","columns_tablet":"2","columns_mobile":"1","edit_handle_selector":"[data-elementor-type=\"loop-item\"]","pagination_load_type":"page_reload","row_gap":{"unit":"px","size":"","sizes":[]},"row_gap_tablet":{"unit":"px","size":"","sizes":[]},"row_gap_mobile":{"unit":"px","size":"","sizes":[]}}" data-widget_type="loop-grid.post"> 1117 <div class="elementor-widget-container"> 1118 <div class="elementor-loop-container elementor-grid" role="list"> 1119 <style id="loop-19676">.elementor-19676 .elementor-element.elementor-element-2cfc5f9{--display:flex;--gap:0px 0px;--row-gap:0px;--column-gap:0px;}.elementor-19676 .elementor-element.elementor-element-6c53c3b{--display:flex;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--border-radius:3px 3px 3px 3px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-19676 .elementor-element.elementor-element-6c53c3b:not(.elementor-motion-effects-element-type-background), .elementor-19676 .elementor-element.elementor-element-6c53c3b > .elementor-motion-effects-container > .elementor-motion-effects-layer{background-color:#FFFFFF;}.elementor-19676 .elementor-element.elementor-element-8c2d419{--display:flex;--flex-direction:row;--container-widget-width:initial;--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-19676 .elementor-element.elementor-element-a6e6888{--display:flex;--flex-direction:column;--container-widget-width:calc( ( 1 - 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1119( --e-global-color-primary );}.elementor-19676 .elementor-element.elementor-element-3a81489 > .elementor-widget-container{margin:-24px 0px 0px 0px;}.elementor-19676 .elementor-element.elementor-element-3a81489.elementor-element{--align-self:center;}.elementor-19676 .elementor-element.elementor-element-3a81489 .elementor-icon-wrapper{text-align:center;}.elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-stacked .elementor-icon{background-color:#F05F25;color:#FFFFFF;}.elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-framed .elementor-icon, .elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-default .elementor-icon{color:#F05F25;border-color:#F05F25;}.elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-framed .elementor-icon, .elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-default .elementor-icon svg{fill:#F05F25;}.elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-framed .elementor-icon{background-color:#FFFFFF;}.elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-stacked .elementor-icon svg{fill:#FFFFFF;}.elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-stacked .elementor-icon:hover{background-color:#004F91;}.elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-framed .elementor-icon:hover, .elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-default .elementor-icon:hover{color:#004F91;border-color:#004F91;}.elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-framed .elementor-icon:hover, .elementor-19676 .elementor-element.elementor-element-3a81489.elementor-view-default .elementor-icon:hover svg{fill:#004F91;}.elementor-19676 .elementor-element.elementor-element-3a81489 .elementor-icon{font-size:35px;padding:10px;}.elementor-19676 .elementor-element.elementor-element-3a81489 .elementor-icon svg{height:35px;}@media(min-width:768px){.elementor-19676 .elementor-element.elementor-element-a6e6888{--width:48%;}.elementor-19676 .elementor-element.elementor-element-d2d29ea{--width:52%;}}/* Start custom CSS for container, class: .elementor-element-6c53c3b *//* Contenedor padre */ 1120.mi-contenedor { 1121 position: relative; /* Necesario para que el hijo se posicione dentro */ 1122} 1123 1124/* Icono oculto por defecto */ 1125.mi-contenedor .mi-icono { 1126 bottom: 10px; /* Ajusta según necesites */ 1127 right: 10px; /* O left: 10px; si lo quieres al otro lado */ 1128 opacity: 0; 1129 pointer-events: none; /* para que no bloquee clics cuando esté oculto */ 1130 transition: opacity 0.3s ease; 1131} 1132 1133/* Mostrar icono al hacer hover en el contenedor */ 1134.mi-contenedor:hover .mi-icono { 1135 opacity: 1; 1136 pointer-events: auto; /* ahora sà acepta clics */ 1137}/* End custom CSS */</style> <div data-elementor-type="loop-item" data-elementor-id="19676" class="elementor elementor-19676 e-loop-item e-loop-item-88138 post-88138 semanal_de_regulacio type-semanal_de_regulacio status-publish hentry" data-elementor-post-type="elementor_library" data-custom-edit-handle="1"> 1138 <div class="elementor-element elementor-element-2cfc5f9 e-con-full mi-contenedor e-flex e-con e-child" data-id="2cfc5f9" data-element_type="container" data-e-type="container"> 1139 <div class="elementor-element elementor-element-6c53c3b e-con-full mi-contenedor e-flex e-con e-child" data-id="6c53c3b" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1140 <div class="elementor-element elementor-element-8c2d419 e-con-full e-flex e-con e-child" data-id="8c2d419" data-element_type="container" data-e-type="container"> 1141 <div class="elementor-element elementor-element-a6e6888 e-con-full e-flex e-con e-child" data-id="a6e6888" data-element_type="container" data-e-type="container"> 1142 <div class="elementor-element elementor-element-23c79c1 elementor-widget elementor-widget-text-editor" data-id="23c79c1" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1143 <div class="elementor-widget-container"> 1144 21 septiembre, 2026 </div>
1145 </div> 1146 </div> 1147 <div class="elementor-element elementor-element-d2d29ea e-con-full e-flex e-con e-child" data-id="d2d29ea" data-element_type="container" data-e-type="container"> 1148 <div class="elementor-element elementor-element-15b121c elementor-widget elementor-widget-text-editor" data-id="15b121c" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1149 <div class="elementor-widget-container"> 1150 | Edición 1138 | </div> 1151 </div> 1152 </div> 1153 </div> 1154 <div class="elementor-element elementor-element-46549f0 e-con-full e-flex e-con e-child" data-id="46549f0" data-element_type="container" data-e-type="container"> 1155 <div class="elementor-element elementor-element-359196c elementor-widget elementor-widget-heading" data-id="359196c" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1156 <div class="elementor-widget-container"> 1157 <h2 class="elementor-heading-title elementor-size-default">En esta edición encontrará la reseña de las normas publicadas durante el <b><p>14 y el 21 de septiembre de 2026.</p> 1158</b></h2> </div> 1159 </div> 1160 </div> 1161 </div> 1162 <div class="elementor-element elementor-element-3a81489 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon" data-id="3a81489" data-element_type="widget" data-e-type="widget" data-widget_type="icon.default"> 1163 <div class="elementor-widget-container"> 1164 <div class="elementor-icon-wrapper"> 1165 <a class="elementor-icon" href="https://www.asobancaria.com/wp-content/uploads/2026/09/Informe-Semanal-1138.pdf" target="_blank"> 1166 <i aria-hidden="true" class="material zmdi zmdi-download"></i> </a> 1167 </div> 1168 </div> 1169 </div> 1170 </div> 1171 </div> 1172 <div data-elementor-type="loop-item" data-elementor-id="19676" class="elementor elementor-19676 e-loop-item e-loop-item-86684 post-86684 semanal_de_regulacio type-semanal_de_regulacio status-publish hentry" data-elementor-post-type="elementor_library" data-custom-edit-handle="1"> 1173 <div class="elementor-element elementor-element-2cfc5f9 e-con-full mi-contenedor e-flex e-con e-child" data-id="2cfc5f9" data-element_type="container" data-e-type="container"> 1174 <div class="elementor-element elementor-element-6c53c3b e-con-full mi-contenedor e-flex e-con e-child" data-id="6c53c3b" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1175 <div class="elementor-element elementor-element-8c2d419 e-con-full e-flex e-con e-child" data-id="8c2d419" data-element_type="container" data-e-type="container"> 1176 <div class="elementor-element elementor-element-a6e6888 e-con-full e-flex e-con e-child" data-id="a6e6888" data-element_type="container" data-e-type="container"> 1177 <div class="elementor-element elementor-element-23c79c1 elementor-widget elementor-widget-text-editor" data-id="23c79c1" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1178 <div class="elementor-widget-container"> 1179 14 septiembre, 2026 </div> 1180 </div> 1181 </div> 1182 <div class="elementor-element elementor-element-d2d29ea e-con-full e-flex e-con e-child" data-id="d2d29ea" data-element_type="container" data-e-type="container"> 1183 <div class="elementor-element elementor-element-15b121c elementor-widget elementor-widget-text-editor" data-id="15b121c" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1184 <div class="elementor-widget-container"> 1185 | Edición 1137 | </div> 1186 </div> 1187 </div> 1188 </div> 1189 <div class="elementor-element elementor-element-46549f0 e-con-full e-flex e-con e-child" data-id="46549f0" data-element_type="container" data-e-type="container"> 1190 <div class="elementor-element elementor-element-359196c elementor-widget elementor-widget-heading" data-id="359196c" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1191 <div class="elementor-widget-container"> 1192 <h2 class="elementor-heading-title elementor-size-default">En esta edición encontrará la reseña de las normas publicadas durante el <b><p>7 y el 14 de septiembre de 2026.</p> 1193</b></h2> </div>
1194 </div> 1195 </div> 1196 </div> 1197 <div class="elementor-element elementor-element-3a81489 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon" data-id="3a81489" data-element_type="widget" data-e-type="widget" data-widget_type="icon.default"> 1198 <div class="elementor-widget-container"> 1199 <div class="elementor-icon-wrapper"> 1200 <a class="elementor-icon" href="https://www.asobancaria.com/wp-content/uploads/2026/09/Informe-Semanal-1137.pdf" target="_blank"> 1201 <i aria-hidden="true" class="material zmdi zmdi-download"></i> </a> 1202 </div> 1203 </div> 1204 </div> 1205 </div> 1206 </div> 1207 <div data-elementor-type="loop-item" data-elementor-id="19676" class="elementor elementor-19676 e-loop-item e-loop-item-86383 post-86383 semanal_de_regulacio type-semanal_de_regulacio status-publish hentry" data-elementor-post-type="elementor_library" data-custom-edit-handle="1"> 1208 <div class="elementor-element elementor-element-2cfc5f9 e-con-full mi-contenedor e-flex e-con e-child" data-id="2cfc5f9" data-element_type="container" data-e-type="container"> 1209 <div class="elementor-element elementor-element-6c53c3b e-con-full mi-contenedor e-flex e-con e-child" data-id="6c53c3b" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1210 <div class="elementor-element elementor-element-8c2d419 e-con-full e-flex e-con e-child" data-id="8c2d419" data-element_type="container" data-e-type="container"> 1211 <div class="elementor-element elementor-element-a6e6888 e-con-full e-flex e-con e-child" data-id="a6e6888" data-element_type="container" data-e-type="container"> 1212 <div class="elementor-element elementor-element-23c79c1 elementor-widget elementor-widget-text-editor" data-id="23c79c1" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1213 <div class="elementor-widget-container"> 1214 7 septiembre, 2026 </div> 1215 </div> 1216 </div> 1217 <div class="elementor-element elementor-element-d2d29ea e-con-full e-flex e-con e-child" data-id="d2d29ea" data-element_type="container" data-e-type="container"> 1218 <div class="elementor-element elementor-element-15b121c elementor-widget elementor-widget-text-editor" data-id="15b121c" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1219 <div class="elementor-widget-container"> 1220 | Edición 1136 | </div> 1221 </div> 1222 </div> 1223 </div> 1224 <div class="elementor-element elementor-element-46549f0 e-con-full e-flex e-con e-child" data-id="46549f0" data-element_type="container" data-e-type="container"> 1225 <div class="elementor-element elementor-element-359196c elementor-widget elementor-widget-heading" data-id="359196c" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1226 <div class="elementor-widget-container"> 1227 <h2 class="elementor-heading-title elementor-size-default">En esta edición encontrará la reseña de las normas publicadas durante el <b><p>31 de agosto y el 7 de septiembre de 2026</p> 1228</b></h2> </div> 1229 </div> 1230 </div> 1231 </div> 1232 <div class="elementor-element elementor-element-3a81489 elementor-view-stacked elementor-shape-circle elementor-widget elementor-widget-icon" data-id="3a81489" data-element_type="widget" data-e-type="widget" data-widget_type="icon.default"> 1233 <div class="elementor-widget-container"> 1234 <div class="elementor-icon-wrapper"> 1235 <a class="elementor-icon" href="https://www.asobancaria.com/wp-content/uploads/2026/09/Informe-Semanal-1136.pdf" target="_blank"> 1236 <i aria-hidden="true" class="material zmdi zmdi-download"></i> </a> 1237 </div> 1238 </div> 1239 </div> 1240 </div> 1241 </div> 1242 </div> 1243 1244 </div> 1245 </div> 1246 <div class="elementor-element elementor-element-850cf8e elementor-align-center elementor-widget elementor-widget-button" data-id="850cf8e" data-element_type="widget" data-e-type="widget" data-widget_type="button.default"> 1247 <div class="elementor-widget-container"> 1248 <div class="elementor-button-wrapper"> 1249 <a class="elementor-button elementor-button-link elementor-size-sm" href="/informes/informe-semanal-de-regulacion/"> 1250 <span class="elementor-button-content-wrapper"> 1251 <span class="elementor-button-text">Ver todos los informes</span> 1252 </span> 1253 </a> 1254 </div> 1255 </div>
1256 </div> 1257 </div> 1258 </div> 1259 </div> 1260 </div><!-- .entry-content --> 1261</article><!-- #post-5952 --> 1262 </main><!-- #main --> 1263 </div><!-- #primary --> 1264 1265 1266 </div> 1267 </div> 1268 </div><!-- #content inner --> 1269</div><!-- #content --> 1270 1271<footer id="colophon" class="site-footer-custom"> 1272 <div class="footer-custom-inner"> 1273 <div class="container"> 1274 <div class="row"> 1275 <div class="col-12"> 1276 <div data-elementor-type="wp-post" data-elementor-id="4910" class="elementor elementor-4910" data-elementor-post-type="footer"> 1277 <section class="elementor-section elementor-top-section elementor-element elementor-element-5e900bc0 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none" data-id="5e900bc0" data-element_type="section" data-e-type="section" data-settings="{"stretch_section":"section-stretched","background_background":"classic"}"> 1278 <div class="elementor-background-overlay"></div> 1279 1280 <div class="elementor-container elementor-column-gap-extended "> 1281 <div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3923b151" data-id="3923b151" data-element_type="column" data-e-type="column"> 1282 <div class="elementor-widget-wrap elementor-element-populated"> 1283 1284 <div class="elementor-element elementor-element-3245c9a elementor-widget__width-initial elementor-widget elementor-widget-image" data-id="3245c9a" data-element_type="widget" data-e-type="widget" data-widget_type="image.default"> 1285 <div class="elementor-widget-container"> 1286 <img width="300" height="155" src="https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-BLANCO-300x155.png" class="attachment-medium size-medium wp-image-24040" alt="" srcset="https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-BLANCO-300x155.png 300w, https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-BLANCO-1024x528.png 1024w, https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-BLANCO-768x396.png 768w, https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-BLANCO-600x310.png 600w, https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-BLANCO.png 1128w" sizes="(max-width: 300px) 100vw, 300px" /> </div> 1287 </div> 1288 <div class="elementor-element elementor-element-978efcb elementor-widget elementor-widget-text-editor" data-id="978efcb" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1289 <div class="elementor-widget-container"> 1290 <p>Trabajamos para generar oportunidades e impulsar el desarrollo económico y social del paÃs.</p> </div> 1291 </div> 1292 <div class="elementor-element elementor-element-6b285cf elementor-mobile-align-center elementor-widget elementor-widget-button" data-id="6b285cf" data-element_type="widget" data-e-type="widget" data-widget_type="button.default"> 1293 <div class="elementor-widget-container"> 1294 <div class="elementor-button-wrapper"> 1295 <a class="elementor-button elementor-button-link elementor-size-sm" href="/nuestra-labor/"> 1296 <span class="elementor-button-content-wrapper"> 1297 <span class="elementor-button-icon"> 1298 <i aria-hidden="true" class="flaticonv7 flaticonv7-arrow-right"></i> </span> 1299 <span class="elementor-button-text">Quiénes somos</span> 1300 </span> 1301 </a> 1302 </div> 1303 </div> 1304 </div> 1305 </div> 1306 </div> 1307 <div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-5684a3d" data-id="5684a3d" data-element_type="column" data-e-type="column"> 1308 <div class="elementor-widget-wrap elementor-element-populated"> 1309 1310 <div class="elementor-element elementor-element-bbb75d0 elementor-widget elementor-widget-heading" data-id="bbb75d0" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1311 <div class="elementor-widget-container"> 1312 <h2 class="elementor-heading-title elementor-size-default">Informes Semanales</h2> </div>
1313 </div> 1314 <div class="elementor-element elementor-element-8a5b759 elementor-widget elementor-widget-text-editor" data-id="8a5b759" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1315 <div class="elementor-widget-container"> 1316 <div class="elementor-element elementor-element-c29da0b elementor-widget elementor-widget-text-editor" data-id="c29da0b" data-element_type="widget" data-widget_type="text-editor.default"><div class="elementor-widget-container"><div class="elementor-text-editor elementor-clearfix">Ingrese su correo y suscrÃbase a nuestros Semanarios para estar al dÃa en la actualidad económica de Colombia.</div></div></div> </div> 1317 </div> 1318 <div class="elementor-element elementor-element-d4643c9 elementor-mobile-align-center elementor-widget elementor-widget-button" data-id="d4643c9" data-element_type="widget" data-e-type="widget" data-widget_type="button.default"> 1319 <div class="elementor-widget-container"> 1320 <div class="elementor-button-wrapper"> 1321 <a class="elementor-button elementor-button-link elementor-size-sm" href="#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI1MjgyIiwidG9nZ2xlIjpmYWxzZX0%3D"> 1322 <span class="elementor-button-content-wrapper"> 1323 <span class="elementor-button-icon"> 1324 <i aria-hidden="true" class="flaticonv5 flaticonv5-email"></i> </span> 1325 <span class="elementor-button-text">SuscrÃbase aquÃ</span> 1326 </span> 1327 </a> 1328 </div> 1329 </div> 1330 </div> 1331 </div> 1332 </div> 1333 <div class="elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2dbb604b" data-id="2dbb604b" data-element_type="column" data-e-type="column"> 1334 <div class="elementor-widget-wrap elementor-element-populated"> 1335 1336 <div class="elementor-element elementor-element-652bb27 elementor-widget elementor-widget-heading" data-id="652bb27" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1337 <div class="elementor-widget-container"> 1338 <h2 class="elementor-heading-title elementor-size-default">Contacto</h2> </div> 1339 </div> 1340 <div class="elementor-element elementor-element-3042213 elementor-widget elementor-widget-ct_contact_info" data-id="3042213" data-element_type="widget" data-e-type="widget" data-widget_type="ct_contact_info.default"> 1341 <div class="elementor-widget-container"> 1342 <ul id="ct_contact_info-3042213" class="ct-contact-info ct-contact-info1 style1 "> 1343 <div class="ct-inline-css" data-css=" 1344 "> 1345 1346 </div> 1347 <li> 1348 <span class="ct-contact-icon"> 1349 <i aria-hidden="true" class="fas fa-map-marker-alt"></i> </span> 1350 <span class="ct-contact-content"> 1351 Carrera 9 No. 74 - 08 Piso 9 </span> 1352 </li> 1353 <li> 1354 <span class="ct-contact-icon"> 1355 <i aria-hidden="true" class="flaticonv3 flaticonv3-telephone-call"></i> </span> 1356 <span class="ct-contact-content"> 1357 (601) 3266600 </span> 1358 </li> 1359 </ul> 1360 </div> 1361 </div> 1362 <div class="elementor-element elementor-element-625d1a3d elementor-widget elementor-widget-ct_icon" data-id="625d1a3d" data-element_type="widget" data-e-type="widget" data-widget_type="ct_icon.default"> 1363 <div class="elementor-widget-container"> 1364 <div class="ct-icon1 style1 " data-wow-delay="ms"> 1365 <a href="https://www.facebook.com/Asobancaria"> 1366 <i aria-hidden="true" class="fab fa-facebook-f"></i> </a> 1367 <a href="https://www.instagram.com/asobancariaco/"> 1368 <i aria-hidden="true" class="fab fa-instagram"></i> </a> 1369 <a href="https://x.com/asobancaria"> 1370 <i aria-hidden="true" class="fab fa-x-twitter"></i> </a> 1371 <a href="https://www.linkedin.com/company/asobancaria"> 1372 <i aria-hidden="true" class="material zmdi zmdi-linkedin-box"></i> </a> 1373 <a href="https://www.youtube.com/channel/UC0CxohYb
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1786<script type="text/javascript" id="single-page-nav-js-extra"> 1787/* <![CDATA[ */ 1788var one_page_options = {"filter":".is-one-page","speed":"1000"}; 1789//# sourceURL=single-page-nav-js-extra 1790/* ]]> */ 1791</script>
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1791
1792<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/case-theme-core/assets/js/onepage.js?ver=all" id="single-page-nav-js"></script>
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1792
1793<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/elementor-pro/assets/js/webpack-pro.runtime.min.js?ver=3.35.1" id="elementor-pro-webpack-runtime-js"></script>
vendor: 1 bytes, line 1793
1793
1794<script type="text/javascript" id="elementor-pro-frontend-js-before"> 1795/* <![CDATA[ */ 1796var ElementorProFrontendConfig = {"ajaxurl":"https:\/\/www.asobancaria.com\/wp-admin\/admin-ajax.php","nonce":"13bac91e3b","urls":{"assets":"https:\/\/www.asobancaria.com\/wp-content\/plugins\/elementor-pro\/assets\/","rest":"https:\/\/www.asobancaria.com\/wp-json\/"},"settings":{"lazy_load_background_images":true},"popup":{"hasPopUps":true},"shareButtonsNetworks":{"facebook":{"title":"Facebook","has_counter":true},"twitter":{"title":"Twitter"},"linkedin":{"title":"LinkedIn","has_counter":true},"pinterest":{"title":"Pinterest","has_counter":true},"reddit":{"title":"Reddit","has_counter":true},"vk":{"title":"VK","has_counter":true},"odnoklassniki":{"title":"OK","has_counter":true},"tumblr":{"title":"Tumblr"},"digg":{"title":"Digg"},"skype":{"title":"Skype"},"stumbleupon":{"title":"StumbleUpon","has_counter":true},"mix":{"title":"Mix"},"telegram":{"title":"Telegram"},"pocket":{"title":"Pocket","has_counter":true},"xing":{"title":"XING","has_counter":true},"whatsapp":{"title":"WhatsApp"},"email":{"title":"Email"},"print":{"title":"Print"},"x-twitter":{"title":"X"},"threads":{"title":"Threads"}},"woocommerce":{"menu_cart":{"cart_page_url":"https:\/\/www.asobancaria.com\/carrito\/","checkout_page_url":"https:\/\/www.asobancaria.com\/ficha-de-inscripcion\/","fragments_nonce":"9427c51a14"}},"facebook_sdk":{"lang":"es_CO","app_id":""},"lottie":{"defaultAnimationUrl":"https:\/\/www.asobancaria.com\/wp-content\/plugins\/elementor-pro\/modules\/lottie\/assets\/animations\/default.json"}}; 1797//# sourceURL=elementor-pro-frontend-js-before 1798/* ]]> */ 1799</script>
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1799
1800<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/elementor-pro/assets/js/frontend.min.js?ver=3.35.1" id="elementor-pro-frontend-js"></script>
vendor: 1 bytes, line 1800
1800
1801<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/elementor-pro/assets/js/elements-handlers.min.js?ver=3.35.1" id="pro-elements-handlers-js"></script>
1801 1802 <style> 1803 .unlimited-elements-background-overlay{ 1804 position:absolute; 1805 top:0px; 1806 left:0px; 1807 width:100%; 1808 height:100%; 1809 z-index:0; 1810 } 1811 1812 .unlimited-elements-background-overlay.uc-bg-front{ 1813 z-index:999; 1814 } 1815 </style> 1816 1817
1817<script type='text/javascript'> 1818 1819 jQuery(document).ready(function(){ 1820 1821 function ucBackgroundOverlayPutStart(){ 1822 1823 var objBG = jQuery(".unlimited-elements-background-overlay").not(".uc-bg-attached"); 1824 1825 if(objBG.length == 0) 1826 return(false); 1827 1828 objBG.each(function(index, bgElement){ 1829 1830 var objBgElement = jQuery(bgElement); 1831 1832 var targetID = objBgElement.data("forid"); 1833 1834 var location = objBgElement.data("location"); 1835 1836 switch(location){ 1837 case "body": 1838 case "body_front": 1839 var objTarget = jQuery("body"); 1840 break; 1841 case "layout": 1842 case "layout_front": 1843 var objLayout = jQuery("*[data-id=\""+targetID+"\"]"); 1844 var objTarget = objLayout.parents(".elementor"); 1845 if(objTarget.length > 1) 1846 objTarget = jQuery(objTarget[0]); 1847 break; 1848 default: 1849 var objTarget = jQuery("*[data-id=\""+targetID+"\"]"); 1850 break; 1851 } 1852 1853 1854 if(objTarget.length == 0) 1855 return(true); 1856 1857 var objVideoContainer = objTarget.children(".elementor-background-video-container"); 1858 1859 if(objVideoContainer.length == 1) 1860 objBgElement.detach().insertAfter(objVideoContainer).show(); 1861 else 1862 objBgElement.detach().prependTo(objTarget).show(); 1863 1864 1865 var objTemplate = objBgElement.children("template"); 1866 1867 if(objTemplate.length){ 1868 1869 var clonedContent = objTemplate[0].content.cloneNode(true); 1870 1871 var objScripts = jQuery(clonedContent).find("script"); 1872 if(objScripts.length) 1873 objScripts.attr("type","text/javascript"); 1874 1875 objBgElement.append(clonedContent); 1876 1877 objTemplate.remove(); 1878 } 1879 1880 objBgElement.trigger("bg_attached"); 1881 objBgElement.addClass("uc-bg-attached"); 1882 1883 }); 1884 } 1885 1886 ucBackgroundOverlayPutStart(); 1887 1888 jQuery( document ).on( 'elementor/popup/show', ucBackgroundOverlayPutStart); 1889 jQuery( "body" ).on( 'uc_dom_updated', ucBackgroundOverlayPutStart); 1890 1891 }); 1892 1893 1894 </script>
1894 1895
1895<script id="wp-emoji-settings" type="application/json"> 1896{"baseUrl":"https://s.w.org/images/core/emoji/17.0.2/72x72/","ext":".png","svgUrl":"https://s.w.org/images/core/emoji/17.0.2/svg/","svgExt":".svg","source":{"concatemoji":"https://www.asobancaria.com/wp-includes/js/wp-emoji-release.min.js?ver=6.9.9"}} 1897</script>
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1897
1898<script type="module"> 1899/* <![CDATA[ */ 1900/*! This file is auto-generated */ 1901var e="script#wp-emoji-settings",t=document.querySelector(e);if(!(t instanceof HTMLScriptElement))throw new Error("Element missing: "+e);const r=JSON.parse(t.text),s=(window._wpemojiSettings=r,"wpEmojiSettingsSupports"),o=["flag","emoji"];function i(e){try{var t={supportTests:e,timestamp:(new Date).valueOf()};sessionStorage.setItem(s,JSON.stringify(t))}catch(e){}}function c(e,t,n){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);t=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data);e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(n,0,0);const r=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data);return t.every((e,t)=>e===r[t])}function p(e,t){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);var n=e.getImageData(16,16,1,1);for(let e=0;e<n.data.length;e++)if(0!==n.data[e])return!1;return!0}function u(e,t,n,r){switch(t){case"flag":return n(e,"\ud83c\udff3\ufe0f\u200d\u26a7\ufe0f","\ud83c\udff3\ufe0f\u200b\u26a7\ufe0f")?!1:!n(e,"\ud83c\udde8\ud83c\uddf6","\ud83c\udde8\u200b\ud83c\uddf6")&&!n(e,"\ud83c\udff4\udb40\udc67\udb40\udc62\udb40\udc65\udb40\udc6e\udb40\udc67\udb40\udc7f","\ud83c\udff4\u200b\udb40\udc67\u200b\udb40\udc62\u200b\udb40\udc65\u200b\udb40\udc6e\u200b\udb40\udc67\u200b\udb40\udc7f");case"emoji":return!r(e,"\ud83e\u1fac8")}return!1}function f(e,t,n,r){let a;const s=(a="undefined"!=typeof WorkerGlobalScope&&self instanceof WorkerGlobalScope?new OffscreenCanvas(300,150):document.createElement("canvas")).getContext("2d",{willReadFrequently:!0}),o=(s.textBaseline="top",s.font="600 32px Arial",{});return e.forEach(e=>{o[e]=t(s,e,n,r)}),o}function a(e){var t=document.createElement("script");t.src=e,t.defer=!0,document.head.appendChild(t)}r.supports={everything:!0,everythingExceptFlag:!0},new Promise(t=>{let n=function(){try{var e=JSON.parse(sessionStorage.getItem(s));if("object"==typeof e&&"number"==typeof e.timestamp&&(new Date).valueOf()<e.timestamp+604800&&"object"==typeof e.supportTests)return e.supportTests}catch(e){}return null}();if(!n){if("undefined"!=typeof Worker&&"undefined"!=typeof OffscreenCanvas&&"undefined"!=typeof URL&&URL.createObjectURL&&"undefined"!=typeof Blob)try{var e="postMessage("+f.toString()+"("+[JSON.stringify(o),u.toString(),c.toString(),p.toString()].join(",")+"));",r=new Blob([e],{type:"text/javascript"});const a=new Worker(URL.createObjectURL(r),{name:"wpTestEmojiSupports"});return void(a.onmessage=e=>{i(n=e.data),a.terminate(),t(n)})}catch(e){}i(n=f(o,u,c,p))}t(n)}).then(e=>{for(const n in e)r.supports[n]=e[n],r.supports.everything=r.supports.everything&&r.supports[n],"flag"!==n&&(r.supports.everythingExceptFlag=r.supports.everythingExceptFlag&&r.supports[n]);var t;r.supports.everythingExceptFlag=r.supports.everythingExceptFlag&&!r.supports.flag,r.supports.everything||((t=r.source||{}).concatemoji?a(t.concatemoji):t.wpemoji&&t.twemoji&&(a(t.twemoji),a(t.wpemoji)))}); 1902//# sourceURL=https://www.asobancaria.com/wp-includes/js/wp-emoji-loader.min.js 1903/* ]]> */ 1904</script>
vendor: 1 bytes, line 1904
1904
1905<script> 1906document.addEventListener('DOMContentLoaded', function() { 1907 jQuery(document).on('elementor/popup/show', function() { 1908 if (typeof wpcf7 !== 'undefined') { 1909 document.querySelectorAll('.wpcf7 form').forEach(function(form) { 1910 wpcf7.init(form); 1911 }); 1912 } 1913 }); 1914}); 1915</script>
1915 1916 1917</body> 1918</html> 1919 1920<!-- Page supported by LiteSpeed Cache 7.8.0.1 on 2026-09-24 05:35:08 -->
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.