{"id":34853,"date":"2023-01-17T14:58:20","date_gmt":"2023-01-17T19:58:20","guid":{"rendered":"https:\/\/acl.com.ec\/?p=34853"},"modified":"2023-01-18T11:37:50","modified_gmt":"2023-01-18T16:37:50","slug":"ley-para-desarrollo-regulacion-y-control-de-servicios","status":"publish","type":"post","link":"https:\/\/acl.com.ec\/en\/ley-para-desarrollo-regulacion-y-control-de-servicios\/","title":{"rendered":"Ley org\u00e1nica para el desarrollo, regulaci\u00f3n y control de los Servicios Financieros Tecnol\u00f3gicos"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"34853\" class=\"elementor elementor-34853\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-89ed7bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"89ed7bc\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9dba146\" data-id=\"9dba146\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64957c1 elementor-widget elementor-widget-heading\" data-id=\"64957c1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Ley org\u00e1nica para el desarrollo, regulaci\u00f3n y control de los Servicios Financieros Tecnol\u00f3gicos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e21775e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e21775e\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-09d6cf5\" data-id=\"09d6cf5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f45c883 elementor-widget elementor-widget-text-editor\" data-id=\"f45c883\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Se public\u00f3 en el Registro Oficial, Segundo Suplemento 215, la denominada Ley Fintech, cuerpo normativo que busca regular en Ecuador las actividades Fintech que se relacionan con el mercado financiero, de valores y seguros enfocadas en la aplicaci\u00f3n de tecnolog\u00eda.<\/span><\/p><p><span style=\"font-weight: 400;\">Los aspectos novedosos que trae esta Ley al sistema financiero ecuatoriano se basan en la creaci\u00f3n de nuevos medios de pago que funcionen con una infraestructura tecnol\u00f3gica, servicios financieros tecnol\u00f3gicos, la creaci\u00f3n de sociedades especializadas de dep\u00f3sitos y pagos electr\u00f3nicos.<\/span><\/p><p><span style=\"font-weight: 400;\">Entre los productos y servicios que se pretende implementar con la aplicaci\u00f3n de la Ley Fintech, se encuentran las billeteras electr\u00f3nicas, neobancos y la concesi\u00f3n digital de cr\u00e9ditos.<\/span><\/p><p><span style=\"font-weight: 400;\">Por otro lado, desde el aspecto mercantil, la Ley reconoce la validez de todos los t\u00edtulos de cr\u00e9dito emitidos en soporte electr\u00f3nico, siempre y cuando cumplan con los requisitos del C\u00f3digo de Comercio y Ley de Comercio Electr\u00f3nico, Firmas y Mensajes de Datos.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">La implementaci\u00f3n de la ley Fintech implica un reto importante para el sistema financiero ecuatoriano, es por este motivo que otorga un plazo de ocho (8) a\u00f1os contados a partir de la publicaci\u00f3n de la Ley en el Registro Oficial, para que las entidades del sistema financiero nacional estandarice las cuentas bancarias de acuerdo al est\u00e1ndar IBAN, de conformidad con los par\u00e1metros y regulaciones establecidas por la Junta de Pol\u00edtica y Regulaci\u00f3n Financiera.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Con la entrada en vigencia de esta Ley, se abren nuevas oportunidades para las compa\u00f1\u00edas que deseen prestar servicios relacionados con actividades Fintech; no obstante, las mismas deber\u00e1n estar debidamente constituidas como sociedades nacionales, o en su defecto estar autorizadas como sucursal de compa\u00f1\u00eda extranjera en Ecuador, contar con autorizaci\u00f3n por parte del ente de regulaci\u00f3n correspondiente, y que su objeto social sea espec\u00edfico y exclusivo para la realizaci\u00f3n de actividades Fintech, considerando adem\u00e1s que se proh\u00edbe la inversi\u00f3n de entidades financieras privadas en el capital de dichas compa\u00f1\u00edas.<\/span><\/p><p><span style=\"font-weight: 400;\">Finalmente, la ley Fintech ha determinado como entes reguladores a la <a href=\"https:\/\/acl.com.ec\/en\/pago-de-contribucion-superintendencia-de-companias\/\">Superintendencia de Compa\u00f1\u00edas, Valores y Seguros<\/a>, Superintendencia de Bancos o Superintendencia de Econom\u00eda Popular y Solidaria, quienes se encargar\u00e1n de verificar el cumplimiento normativo en cada una de sus \u00e1reas.<\/span><\/p><p><b>Fuente. <\/b><a href=\"https:\/\/www.registroficial.gob.ec\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Registro Oficial &#8211; Segundo Suplemento N\u00b0 215.<\/span><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1120100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1120100\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6aa6f3a\" data-id=\"6aa6f3a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d4b6f6 elementor-widget elementor-widget-text-editor\" data-id=\"4d4b6f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Ante cualquier duda, comun\u00edquese con nosotros<\/p><p style=\"text-align: center;\">info@acl.com.ec<br \/>(+593) 99 734 9372<\/p><p>\u00a1S\u00edganos en Redes Sociales!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9be424 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"a9be424\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-whatsapp 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elementor-element elementor-element-f4056c6\" data-id=\"f4056c6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-023d54c\" data-id=\"023d54c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9bd2a22 elementor-widget elementor-widget-text-editor\" data-id=\"9bd2a22\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Advertencia.<\/strong> El bolet\u00edn de ACL Auditores y Consultores Latam no es ni podr\u00e1 ser utilizado como asesor\u00eda u opini\u00f3n legal, en vista de que se trata de un documento netamente informativo<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-064b73e\" data-id=\"064b73e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Ley org\u00e1nica para el desarrollo, regulaci\u00f3n y control de los Servicios Financieros Tecnol\u00f3gicos Se public\u00f3 en el Registro Oficial, Segundo Suplemento 215, la denominada Ley Fintech, cuerpo normativo que busca regular en Ecuador las actividades Fintech que se relacionan con el mercado financiero, de valores y seguros enfocadas en la aplicaci\u00f3n de tecnolog\u00eda. Los aspectos [&hellip;]<\/p>","protected":false},"author":3,"featured_media":34854,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[14,22],"tags":[],"class_list":["post-34853","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-noticias-acl","category-economia-finanzas","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/34853","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/comments?post=34853"}],"version-history":[{"count":6,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/34853\/revisions"}],"predecessor-version":[{"id":34861,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/34853\/revisions\/34861"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media\/34854"}],"wp:attachment":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media?parent=34853"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/categories?post=34853"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/tags?post=34853"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}