{"id":8064,"date":"2025-11-10T11:37:18","date_gmt":"2025-11-10T15:37:18","guid":{"rendered":"https:\/\/www.vouga.com.py\/?p=8064"},"modified":"2025-11-11T19:06:43","modified_gmt":"2025-11-11T23:06:43","slug":"actualizacion-el-reglamento-para-el-cobro-de-comisiones-gastos-y-penalidades","status":"publish","type":"post","link":"https:\/\/www.vouga.com.py\/en\/actualizacion-el-reglamento-para-el-cobro-de-comisiones-gastos-y-penalidades\/","title":{"rendered":"Update to the Regulation on the Collection of Fees, Charges, and Penalties"},"content":{"rendered":"<p>Through Resolution No. 1 dated September 2, 2025, the Central Bank of Paraguay updated the Regulation on Transparency and Minimum Criteria for the Collection of Fees, Charges, and Penalties in the Financial System (the \u201cRegulation\u201d).<\/p>\n\n\n\n<p>The Regulation introduces a new chapter specifically addressing automatic debits, applicable to all entities supervised by the Superintendency of Banks (\u201cSIB\u201d). Among the key updates are the prohibition on including irrevocability clauses in debit authorizations and the possibility for clients to suspend or revoke the service by any reliable means up to 48 hours prior to the due date.<\/p>\n\n\n\n<p>In addition, supervised entities must assign a unique identification number to each credit operation, which must appear in the contract, settlement, promissory note (pagar\u00e9), and any other related document. The Regulation also requires the implementation of mechanisms to ensure the effective cancellation of originating documents once the credit has been settled. This obligation must be incorporated into each entity\u2019s operational manuals, including a specific timeframe for compliance. The SIB may also issue standardization rules regarding the unique identification of credit operations.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-horizontal is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-92fc3979 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 botonblog is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link has-vivid-red-color has-white-background-color has-text-color has-background wp-element-button\" href=\"https:\/\/www.vouga.com.py\/wp-content\/uploads\/2025\/11\/Nov-BF_BCP-Res.1_25-ING.pdf\" style=\"border-radius:0px\" target=\"_blank\" rel=\"noreferrer noopener\">Download<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Mediante la Resoluci\u00f3n N\u00b0 1 de fecha 2 de septiembre del 2025, el Banco Central del Paraguay actualiz\u00f3 el Reglamento de Transparencia y Criterios M\u00ednimos para el Cobro de Comisiones, Gastos y Penalidades del Sistema Financiero (el \u201cReglamento\u201d). El Reglamento incorpora un nuevo cap\u00edtulo espec\u00edfico sobre los d\u00e9bitos autom\u00e1ticos, aplicable a todas las entidades supervisadas [&hellip;]<\/p>","protected":false},"author":6,"featured_media":8066,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"iawp_total_views":5,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-8064","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Actualizaci\u00f3n del Reglamento para el Cobro de Comisiones, Gastos y Penalidades - Vouga Abogados<\/title>\n<meta name=\"description\" content=\"Continuamos con la segunda entrega de nuestra serie sobre regulaci\u00f3n energ\u00e9tica. Este documento analiza los mecanismos de licenciamiento, contrataci\u00f3n y fijaci\u00f3n de precios en el sector energ\u00e9tico paraguayo, as\u00ed como las barreras normativas que enfrentan quienes buscan invertir en generaci\u00f3n y transporte de energ\u00eda, en especial a partir de fuentes renovables.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.vouga.com.py\/en\/actualizacion-el-reglamento-para-el-cobro-de-comisiones-gastos-y-penalidades\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Actualizaci\u00f3n del Reglamento para el Cobro de Comisiones, Gastos y Penalidades - Vouga Abogados\" \/>\n<meta property=\"og:description\" content=\"Continuamos con la segunda entrega de nuestra serie sobre regulaci\u00f3n energ\u00e9tica. Este documento analiza los mecanismos de licenciamiento, contrataci\u00f3n y fijaci\u00f3n de precios en el sector energ\u00e9tico paraguayo, as\u00ed como las barreras normativas que enfrentan quienes buscan invertir en generaci\u00f3n y transporte de energ\u00eda, en especial a partir de fuentes renovables.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.vouga.com.py\/en\/actualizacion-el-reglamento-para-el-cobro-de-comisiones-gastos-y-penalidades\/\" \/>\n<meta property=\"og:site_name\" content=\"Vouga Abogados\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-10T15:37:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-11T23:06:43+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.vouga.com.py\/wp-content\/uploads\/2025\/11\/BANNER-1-100.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1952\" \/>\n\t<meta property=\"og:image:height\" content=\"898\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Contenido\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Contenido\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.vouga.com.py\/actualizacion-el-reglamento-para-el-cobro-de-comisiones-gastos-y-penalidades\/\",\"url\":\"https:\/\/www.vouga.com.py\/actualizacion-el-reglamento-para-el-cobro-de-comisiones-gastos-y-penalidades\/\",\"name\":\"Actualizaci\u00f3n del Reglamento para el Cobro de Comisiones, Gastos y Penalidades - Vouga Abogados\",\"isPartOf\":{\"@id\":\"https:\/\/www.vouga.com.py\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.vouga.com.py\/actualizacion-el-reglamento-para-el-cobro-de-comisiones-gastos-y-penalidades\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.vouga.com.py\/actualizacion-el-reglamento-para-el-cobro-de-comisiones-gastos-y-penalidades\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.vouga.com.py\/wp-content\/uploads\/2025\/11\/BANNER-1-100.jpg\",\"datePublished\":\"2025-11-10T15:37:18+00:00\",\"dateModified\":\"2025-11-11T23:06:43+00:00\",\"author\":{\"@id\":\"https:\/\/www.vouga.com.py\/#\/schema\/person\/381df812757210d75d91218e042a44a3\"},\"description\":\"Continuamos con la segunda entrega de nuestra serie sobre regulaci\u00f3n energ\u00e9tica. 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