He Congress of the Republic approved last Thursday, in a second vote, and without further debate, the bill by parliamentarian Sigrid Bazán that aims to eliminate commissions for interbank transfers.
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The measure has been questioned by multiple experts and by institutions such as the Central Reserve Bank (BCR), the Ministry of Economy and the Superintendence of Banking, Insurance and AFP (SBS). The possible impact that the standard would have on the security of this type of transactions is highlighted.
In particular, the impact that this measure may have on the Electronic Clearing House (CCE), the private institution regulated and supervised by the BCR that guarantees the security of interbank transfers, has been highlighted.
This body verifies the basic components of the process such as the existence of accounts, the availability of funds and the security of transfers. “The work of the CCE must be paid for,” explains Jorge Delgado, former president of Asomif. “The collection of commissions is the cost of the quality and security of the service,” he noted.
Furthermore, the rule would be unconstitutional. As explained by the MEF at the time, the rule violates article 59 of the Constitution, which protects the freedom of business and autonomy in setting prices. The SBS agrees, pointing out that the project contravenes the current legal framework by forcing entities to offer free services without considering the associated operating costs.
In response to the experts’ questions, a reconsideration of the second vote that took place late last night in the Plenary has been proposed, before the autograph is sent to the Executive for observation or promulgation.
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