1<!doctype html> 2<html lang="es-CO"> 3<head> 4 <meta charset="UTF-8"> 5 <meta name="viewport" content="width=device-width, initial-scale=1"> 6 <link rel="profile" href="//gmpg.org/xfn/11"> 7 <style type="text/css">div[id^="wpcf7-f84638"] button.cf7mls_next { background-color: #0d4e91; color: #ffffff }div[id^="wpcf7-f84638"] button.cf7mls_back { background-color: #0d4e91; color: #ffffff }div[id^="wpcf7-f78225"] button.cf7mls_next { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f78225"] button.cf7mls_back { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f76824"] button.cf7mls_next { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f76824"] button.cf7mls_back { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f28718"] button.cf7mls_next { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f28718"] button.cf7mls_back { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f28278"] button.cf7mls_next { background-color: #0d4e91; color: #ffffff }div[id^="wpcf7-f28278"] button.cf7mls_back { background-color: #0d4e91; color: #ffffff }div[id^="wpcf7-f28270"] button.cf7mls_next { }div[id^="wpcf7-f28270"] button.cf7mls_back { }div[id^="wpcf7-f27532"] button.cf7mls_next { }div[id^="wpcf7-f27532"] button.cf7mls_back { }div[id^="wpcf7-f27211"] button.cf7mls_next { background-color: #dda14d; color: #090b1f }div[id^="wpcf7-f27211"] button.cf7mls_back { background-color: #dda14d; color: #090b1f }div[id^="wpcf7-f26222"] button.cf7mls_next { }div[id^="wpcf7-f26222"] button.cf7mls_back { }div[id^="wpcf7-f25281"] button.cf7mls_next { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f25281"] button.cf7mls_back { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f24466"] button.cf7mls_next { background-color: #0d4e91; color: #ffffff }div[id^="wpcf7-f24466"] button.cf7mls_back { background-color: #0d4e91; color: #ffffff }div[id^="wpcf7-f23451"] button.cf7mls_next { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f23451"] button.cf7mls_back { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f23306"] button.cf7mls_next { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f23306"] button.cf7mls_back { background-color: #febe10; color: #ffffff }div[id^="wpcf7-f12316"] button.cf7mls_next { background-color: #0d4e91; color: #ffffff }div[id^="wpcf7-f12316"] button.cf7mls_back { background-color: #0d4e91; color: #ffffff }div[id^="wpcf7-f5005"] button.cf7mls_next { }div[id^="wpcf7-f5005"] button.cf7mls_back { }div[id^="wpcf7-f3823"] button.cf7mls_next { }div[id^="wpcf7-f3823"] button.cf7mls_back { }</style><meta name='robots' content='index, follow, max-image-preview:large, max-snippet:-1, max-video-preview:-1' /> 8<meta name="dlm-version" content="5.1.12"> 9 <!-- This site is optimized with the Yoast SEO plugin v27.3 - https://yoast.com/product/yoast-seo-wordpress/ --> 10 <title>Normatividad - Asobancaria</title> 11 <meta name="description" content="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." /> 12 <link rel="canonical" href="https://www.asobancaria.com/normatividad/" /> 13 <meta property="og:locale" content="es_ES" /> 14 <meta property="og:type" content="article" /> 15 <meta property="og:title" content="Normatividad - Asobancaria" /> 16 <meta property="og:description" content="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." /> 17 <meta property="og:url" content="https://www.asobancaria.com/normatividad/" /> 18 <meta property="og:site_name" content="Asobancaria" /> 19 <meta property="article:publisher" content="https://www.facebook.com/Asobancaria/" /> 20 <meta property="article:modified_time" content="2026-04-07T16:26:50+00:00" /> 21 <meta name="twitter:card" content="summary_large_image" /> 22 <meta name="twitter:site" content="@Asobancaria" />
23 <meta name="twitter:label1" content="Tiempo de lectura" /> 24 <meta name="twitter:data1" content="29 minutos" /> 25
25<script type="application/ld+json" class="yoast-schema-graph">{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.asobancaria.com\/normatividad\/","url":"https:\/\/www.asobancaria.com\/normatividad\/","name":"Normatividad - Asobancaria","isPartOf":{"@id":"https:\/\/www.asobancaria.com\/#website"},"datePublished":"2025-08-11T17:25:07+00:00","dateModified":"2026-04-07T16:26:50+00:00","description":"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.","breadcrumb":{"@id":"https:\/\/www.asobancaria.com\/normatividad\/#breadcrumb"},"inLanguage":"es-CO","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.asobancaria.com\/normatividad\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.asobancaria.com\/normatividad\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Inicio","item":"https:\/\/www.asobancaria.com\/"},{"@type":"ListItem","position":2,"name":"Normatividad"}]},{"@type":"WebSite","@id":"https:\/\/www.asobancaria.com\/#website","url":"https:\/\/www.asobancaria.com\/","name":"Asobancaria","description":"","publisher":{"@id":"https:\/\/www.asobancaria.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.asobancaria.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es-CO"},{"@type":"Organization","@id":"https:\/\/www.asobancaria.com\/#organization","name":"Asobancaria","url":"https:\/\/www.asobancaria.com\/","logo":{"@type":"ImageObject","inLanguage":"es-CO","@id":"https:\/\/www.asobancaria.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.asobancaria.com\/wp-content\/uploads\/2026\/02\/LOGO-ABC-90-AZUL.png","contentUrl":"https:\/\/www.asobancaria.com\/wp-content\/uploads\/2026\/02\/LOGO-ABC-90-AZUL.png","width":1128,"height":582,"caption":"Asobancaria"},"image":{"@id":"https:\/\/www.asobancaria.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/Asobancaria\/","https:\/\/x.com\/Asobancaria"]}]}</script>
25 26 <!-- / Yoast SEO plugin. --> 27 28 29<link rel='dns-prefetch' href='//cdnjs.cloudflare.com' /> 30<link rel='dns-prefetch' href='//fonts.googleapis.com' /> 31<link rel='preconnect' href='https://fonts.gstatic.com' crossorigin /> 32<link rel="alternate" type="application/rss+xml" title="Asobancaria » Feed" href="https://www.asobancaria.com/feed/" /> 33<link rel="alternate" type="application/rss+xml" title="Asobancaria » RSS de los comentarios" href="https://www.asobancaria.com/comments/feed/" /> 34<link rel="alternate" title="oEmbed (JSON)" type="application/json+oembed" href="https://www.asobancaria.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.asobancaria.com%2Fnormatividad%2F" /> 35<link rel="alternate" title="oEmbed (XML)" type="text/xml+oembed" href="https://www.asobancaria.com/wp-json/oembed/1.0/embed?url=https%3A%2F%2Fwww.asobancaria.com%2Fnormatividad%2F&format=xml" /> 36<style id='wp-img-auto-sizes-contain-inline-css' type='text/css'> 37img:is([sizes=auto i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px} 38/*# sourceURL=wp-img-auto-sizes-contain-inline-css */ 39</style> 40 41<style id='wp-emoji-styles-inline-css' type='text/css'> 42 43 img.wp-smiley, img.emoji { 44 display: inline !important; 45 border: none !important; 46 box-shadow: none !important; 47 height: 1em !important; 48 width: 1em !important; 49 margin: 0 0.07em !important; 50 vertical-align: -0.1em !important; 51 background: none !important; 52 padding: 0 !important; 53 } 54/*# sourceURL=wp-emoji-styles-inline-css */ 55</style> 56<style id='classic-theme-styles-inline-css' type='text/css'> 57/*! This file is auto-generated */ 58.wp-block-button__link{color:#fff;background-color:#32373c;border-radius:9999px;box-shadow:none;text-decoration:none;padding:calc(.667em + 2px) calc(1.333em + 2px);font-size:1.125em}.wp-block-file__button{background:#32373c;color:#fff;text-decoration:none} 59/*# sourceURL=/wp-includes/css/classic-themes.min.css */ 60</style> 61<style id='ppb-print-page-style-inline-css' type='text/css'> 62.dashicons{font-family:dashicons!important}.wp-block-ppb-print-page *{box-sizing:border-box}@media print{.wp-block-ppb-print-page.noPrint{display:none}}.wp-block-ppb-print-page .ppbPrintPage button{align-items:center;display:inline-flex;gap:5px;justify-content:center}.wp-block-ppb-print-page .ppbPrintPage button:focus{border:none;outline:0}.wp-block-ppb-print-page .ppbPrintPage button .hideIcon{display:none}.wp-block-ppb-print-page .ppbPrintPage button img{height:30px;width:auto}.wp-block-ppb-print-page .ppbPrintPage.default button{border:none}.wp-block-ppb-print-page .ppbPrintPage.iconFocus button{border:none;flex-direction:column;transition:background-color .3s ease}.wp-block-ppb-print-page .ppbPrintPage.iconFocus button .iconWrapper{align-items:center;border-radius:50%;display:flex;justify-content:center;padding:12px}.wp-block-ppb-print-page .ppbPrintPage.roundedPill button{border:none;transition:background-color .2s ease,box-shadow .2s ease}.wp-block-ppb-print-page .ppbPrintPage.outlineStyle button{border:none;transition:background-color .2s ease}.wp-block-ppb-print-page .ppbPrintPage.floatingAction button{border:none;height:56px;transition:all .2s ease;width:56px}.wp-block-ppb-print-page .ppbPrintPage.floatingAction:hover{transform:scale(1.1);transition:all .2s ease}.wp-block-ppb-print-page .ppbPrintPage.interactiveHover button{border:none;overflow:hidden;position:relative;transition:background-color .2s ease}.wp-block-ppb-print-page .ppbPrintPage.interactiveHover button span.overlay{background-color:#b13721;inset:0;position:absolute;transform:scaleX(0);transform-origin:left;transition:transform .3s ease}.wp-block-ppb-print-page .ppbPrintPage.interactiveHover button:hover .overlay{transform:scaleX(1)}.wp-block-ppb-print-page .ppbPrintPage.interactiveHover button img,.wp-block-ppb-print-page .ppbPrintPage.interactiveHover button span.text,.wp-block-ppb-print-page .ppbPrintPage.interactiveHover button svg{position:relative;z-index:10}.wp-block-ppb-print-page .ppbPrintPage.textHeavy button{transition:background-color .2s ease}.wp-block-ppb-print-page .ppbPrintPage.textHeavy button svg{color:#b45309;flex-shrink:0;margin-top:4px}.wp-block-ppb-print-page .ppbPrintPage.retro button{background-color:#a855f7;color:#fff;
62transition:box-shadow .3s}.wp-block-ppb-print-page .ppbPrintPage.brutalist button{transition:background-color .3s}.wp-block-ppb-print-page .ppbPrintPage.effect button{border:none!important;transform:translateY(0);transition:all .3s}.wp-block-ppb-print-page .ppbPrintPage.effect button:hover{transform:translateY(-.25rem)}.wp-block-ppb-print-page .ppbPrintPage.effect button:active{box-shadow:0 8px 10px -4px rgba(34,197,94,.5);transform:translateY(0)} 63 64/*# sourceURL=https://www.asobancaria.com/wp-content/plugins/print-page/build/view.css */ 65</style> 66<style id='global-styles-inline-css' type='text/css'> 67:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #ffffff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgb(6,147,227) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgb(252,185,0) 0%,rgb(255,105,0) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgb(255,105,0) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);
67--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgb(255, 255, 255), 6px 6px rgb(0, 0, 0);--wp--preset--shadow--crisp: 6px 6px 0px rgb(0, 0, 0);}:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;}:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}
67.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;} 68:where(.wp-block-post-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-post-template.is-layout-grid){gap: 1.25em;} 69:where(.wp-block-term-template.is-layout-flex){gap: 1.25em;}:where(.wp-block-term-template.is-layout-grid){gap: 1.25em;} 70:where(.wp-block-columns.is-layout-flex){gap: 2em;}:where(.wp-block-columns.is-layout-grid){gap: 2em;} 71:root :where(.wp-block-pullquote){font-size: 1.5em;line-height: 1.6;} 72/*# sourceURL=global-styles-inline-css */ 73</style> 74<link rel='stylesheet' id='wapf-frontend-css-css' href='https://www.asobancaria.com/wp-content/plugins/advanced-product-fields-for-woocommerce/assets/css/frontend.min.css?ver=1.7.1' type='text/css' media='all' /> 75<link rel='stylesheet' id='ct-main-css-css' href='https://www.asobancaria.com/wp-content/plugins/case-theme-core/assets/css/main.css?ver=1.0.0' type='text/css' media='all' /> 76<link rel='stylesheet' id='progressbar-lib-css-css' href='https://www.asobancaria.com/wp-content/plugins/case-theme-core/assets/css/lib/progressbar.min.css?ver=0.7.1' type='text/css' media='all' /> 77<link rel='stylesheet' id='oc-css-css' href='https://www.asobancaria.com/wp-content/plugins/case-theme-core/assets/css/lib/owl.carousel.min.css?ver=2.2.1' type='text/css' media='all' /> 78<link rel='stylesheet' id='ct-slick-css-css' href='https://www.asobancaria.com/wp-content/plugins/case-theme-core/assets/css/lib/slick.css?ver=1.0.0' type='text/css' media='all' /> 79<link rel='stylesheet' id='ct-font-awesome-css' href='https://www.asobancaria.com/wp-content/plugins/case-theme-core/assets/plugin/font-awesome/css/font-awesome.min.css?ver=4.7.0' type='text/css' media='all' /> 80<link rel='stylesheet' id='remodal-css' href='https://www.asobancaria.com/wp-content/plugins/case-theme-user/acess/css/remodal.css?ver=6.9.9' type='text/css' media='all' /> 81<link rel='stylesheet' id='remodal-default-theme-css' href='https://www.asobancaria.com/wp-content/plugins/case-theme-user/acess/css/remodal-default-theme.css?ver=6.9.9' type='text/css' media='all' /> 82<link rel='stylesheet' id='cf7mls-css' href='https://www.asobancaria.com/wp-content/plugins/ninjateam-cf7-multi-step-pro/assets/frontend/css/cf7mls.css?ver=2.7.9' type='text/css' media='all' /> 83<link rel='stylesheet' id='cf7mls_progress_bar-css' href='https://www.asobancaria.com/wp-content/plugins/ninjateam-cf7-multi-step-pro/assets/frontend/css/progress_bar.css?ver=2.7.9' type='text/css' media='all' /> 84<link rel='stylesheet' id='cf7mls_animate-css' href='https://www.asobancaria.com/wp-content/plugins/ninjateam-cf7-multi-step-pro/assets/frontend/animate/animate.min.css?ver=2.7.9' type='text/css' media='all' /> 85<link rel='stylesheet' id='contact-form-7-css' href='https://www.asobancaria.com/wp-content/plugins/contact-form-7/includes/css/styles.css?ver=6.1.5' type='text/css' media='all' /> 86<link rel='stylesheet' id='pdf-generator-addon-for-elementor-page-builder
86-css' href='https://www.asobancaria.com/wp-content/plugins/pdf-generator-addon-for-elementor-page-builder/public/css/pdf-generator-addon-for-elementor-page-builder-public.css?ver=2.1.0' type='text/css' media='all' /> 87<link rel='stylesheet' id='sr7css-css' href='//www.asobancaria.com/wp-content/plugins/revslider/public/css/sr7.css?ver=6.7.34' type='text/css' media='all' /> 88<link rel='stylesheet' id='woocommerce-layout-css' href='https://www.asobancaria.com/wp-content/plugins/woocommerce/assets/css/woocommerce-layout.css?ver=10.5.2' type='text/css' media='all' /> 89<link rel='stylesheet' id='woocommerce-smallscreen-css' href='https://www.asobancaria.com/wp-content/plugins/woocommerce/assets/css/woocommerce-smallscreen.css?ver=10.5.2' type='text/css' media='only screen and (max-width: 768px)' /> 90<link rel='stylesheet' id='woocommerce-general-css' href='https://www.asobancaria.com/wp-content/plugins/woocommerce/assets/css/woocommerce.css?ver=10.5.2' type='text/css' media='all' /> 91<style id='woocommerce-inline-inline-css' type='text/css'> 92.woocommerce form .form-row .required { visibility: visible; } 93/*# sourceURL=woocommerce-inline-inline-css */ 94</style> 95<link rel='stylesheet' id='consultio-style-css' href='https://www.asobancaria.com/wp-content/themes/consultio/style.css?ver=6.9.9' type='text/css' media='all' /> 96<link rel='stylesheet' id='child-style-css' href='https://www.asobancaria.com/wp-content/themes/consultio-child/style.css?ver=6.9.9' type='text/css' media='all' /> 97<link rel='stylesheet' id='fontawesome-css' href='https://cdnjs.cloudflare.com/ajax/libs/font-awesome/6.6.0/css/all.min.css?ver=6.9.9' type='text/css' media='all' /> 98<link rel='stylesheet' id='bootstrap-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/bootstrap.min.css?ver=4.0.0' type='text/css' media='all' /> 99<link rel='stylesheet' id='font-awesome-css' href='https://www.asobancaria.com/wp-content/plugins/elementor/assets/lib/font-awesome/css/font-awesome.min.css?ver=4.7.0' type='text/css' media='all' /> 100<link rel='stylesheet' id='font-awesome-v5-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/font-awesome5.min.css?ver=5.8.0' type='text/css' media='all' /> 101<link rel='stylesheet' id='font-flaticon-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/flaticon.css?ver=3.2.4' type='text/css' media='all' /> 102<link rel='stylesheet' id='font-flaticon-v2-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/flaticon-v2.css?ver=3.2.4' type='text/css' media='all' /> 103<link rel='stylesheet' id='font-flaticon-v3-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/flaticon-v3.css?ver=3.2.4' type='text/css' media='all' /> 104<link rel='stylesheet' id='font-flaticon-v4-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/flaticon-v4.css?ver=3.2.4' type='text/css' media='all' /> 105<link rel='stylesheet' id='font-flaticon-v5-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/flaticon-v5.css?ver=3.2.4' type='text/css' media='all' /> 106<link rel='stylesheet' id='font-flaticon-v6-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/flaticon-v6.css?ver=3.2.4' type='text/css' media='all' /> 107<link rel='stylesheet' id='font-flaticon-v7-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/flaticon-v7.css?ver=3.2.4' type='text/css' media='all' /> 108<link rel='stylesheet' id='font-flaticon-v8-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/flaticon-v8.css?ver=3.2.4' type='text/css' media='all' /> 109<link rel='stylesheet' id='font-material-icon-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/material-design-iconic-font.min.css?ver=2.2.0' type='text/css' media='all' /> 110<link rel='stylesheet' id='magnific-popup-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/magnific-popup.css?ver=1.0.0' type='text/css' media='all' /> 111<link rel='stylesheet' id='animate-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/animate.css?ver=1.0.0' type='text/css' media='all' /> 112<link rel='stylesheet' id='consultio-theme-css' href='https://www.asobancaria.com/wp-content/themes/consultio/assets/css/theme.css?ver=3.2.4' type='text/css' media='all' /> 113<style id='consultio-theme-inline-css' type='text/css'> 114:root{--gradient-color-from: #fa6780;--gradient-color-to: #fa6780;--gradient-color-from-rgb: 250,103,128;--gradient-color-to-rgb: 250,103,128;} 115 @media screen and (min-width: 1200px) { 116 #ct-header-wrap .ct-header-branding a img { max-height: 90px !important; } } 117 @media screen and (max-width: 1199px) { 118 body #pagetitle { padding-top: 50px !important; }body #pagetitle { padding-bottom: 50px !important; }body #ct-menu-mobile .btn-nav-mobile::before, body #ct-menu-mobile .btn-nav-mobile::after, body #ct-menu-mobile .btn-nav-mobile span { 119 background-color: #0d4e91 !important; 120 }#ct-header-wrap, #ct-header-wrap #ct-header.h-fixed, #ct-header-elementor .ct-header-mobile { background-color: #ffffff !important; } } 121 @media screen and (min-width: 1200px) { 122 } 123 .ct-breadcrumb li a { 124 color: inherit; 125 font-weight: 300; 126} 127 128 129.ct-breadcrumb li { 130 display: inline-block; 131 font-size: 16px; 132 color: inherit; 133 font-weight: 300; 134} 135 136.single-post .entry-content p 137{ 138 display: inline-block; 139 font-size: 16px; 140 color: inherit; 141 font-weight: 400; 142} 143/*# sourceURL=consultio-theme-inline-css */ 144</style> 145<link rel='stylesheet' id='consultio-google-fonts-css' href='//fonts.googleapis.com/css?family=Roboto%3A300%2C400%2C400i%2C500%2C500i%2C600%2C600i%2C700%2C700i%7CPoppins%3A300%2C400%2C400i%2C500%2C500i%2C600%2C600i%2C700%2C700i%7CPlayfair+Display%3A400%2C400i%2C700%2C700i%2C800%2C900%7CMuli%3A400%7CLato%3A400%7CBarlow%3A400%2C700%7CNunito+Sans%3A400%2C600%2C700%2C900%7CKalam%3A400%7CRubik%3A400%7CInter%3A400%2C500%2C600%2C700&subset=latin%2Clatin-ext&ver=6.9.9' type='text/css' media='all' /> 146<link rel='stylesheet' id='elementor-frontend-css' href='https://www.asobancaria.com/wp-content/plugins/elementor/assets/css/frontend.min.css?ver=3.35.5' type='text/css' media='all' /> 147<link rel='stylesheet' id='e-popup-css' href='https://www.asobancaria.com/wp-content/plugins/elementor-pro/assets/css/conditionals/popup.min.css?ver=3.35.1' type='text/css' media='all' /> 148<link rel='stylesheet' id='widget-heading-css' href='https://www.asobancaria.com/wp-content/plugins/elementor/assets/css/widget-heading.min.css?ver=3.35.5' type='text/css' media='all' /> 149<link rel='stylesheet' id='elementor-icons-css' href='https://www.asobancaria.com/wp-content/plugins/elementor/assets/lib/eicons/css/elementor-icons.min.css?ver=5.47.0' type='text/css' media='all' /> 150<link rel='stylesheet' id='elementor-post-4540-css' href='https://www.asobancaria.com/wp-content/uploads/elementor/css/post-4540.css?ver=1790194916' type='text/css' media='all' /> 151<link rel='stylesheet' id='widget-divider-css' href='https://www.asobancaria.com/wp-content/plugins/elementor/assets/css/widget-divider.min.css?ver=3.35.5' type='text/css' media='all' /> 152<link rel='stylesheet' id='widget-nested-tabs-css' href='https://www.asobancaria.com/wp-content/plugins/elementor/assets/css/widget-nested-tabs.min.css?ver=3.35.5' type='text/css' media='all' /> 153<link rel='stylesheet' id='widget-loop-common-css' href='https://www.asobancaria.com/wp-content/plugins/elementor-pro/assets/css/widget-loop-common.min.css?ver=3.35.1' type='text/css' media='all' /> 154<link rel='stylesheet' id='widget-loop-grid-css' href='https://www.asobancaria.com/wp-content/plugins/elementor-pro/assets/css/widget-loop-grid.min.css?ver=3.35.1' type='text/css' media='all' /> 155<link rel='stylesheet' id='elementor-post-5952-css' href='https://www.asobancaria.com/wp-content/uploads/elementor/css/post-5952.css?ver=1790195721' type='text/css' media='all' /> 156<link rel='stylesheet' id='elementor-post-28492-css' href='https://www.asobancaria.com/wp-content/uploads/elementor/css/post-28492.css?ver=17908600
15657' type='text/css' media='all' /> 157<link rel='stylesheet' id='elementor-post-25282-css' href='https://www.asobancaria.com/wp-content/uploads/elementor/css/post-25282.css?ver=1790194916' type='text/css' media='all' /> 158<link rel='stylesheet' id='graphina_chart-css-css' href='https://www.asobancaria.com/wp-content/plugins/graphina-elementor-charts-and-graphs/assets/css/graphina-chart.css?ver=3.1.9' type='text/css' media='all' /> 159<link rel='stylesheet' id='meks-flickr-widget-css' href='https://www.asobancaria.com/wp-content/plugins/meks-simple-flickr-widget/css/style.css?ver=1.3' type='text/css' media='all' /> 160<link rel='stylesheet' id='cf7cf-style-css' href='https://www.asobancaria.com/wp-content/plugins/cf7-conditional-fields/style.css?ver=2.6.8' type='text/css' media='all' /> 161<link rel='stylesheet' id='um_modal-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/um-modal.min.css?ver=2.11.2' type='text/css' media='all' /> 162<link rel='stylesheet' id='um_ui-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/jquery-ui/jquery-ui.min.css?ver=1.13.2' type='text/css' media='all' /> 163<link rel='stylesheet' id='um_tipsy-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/tipsy/tipsy.min.css?ver=1.0.0a' type='text/css' media='all' /> 164<link rel='stylesheet' id='um_raty-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/raty/um-raty.min.css?ver=2.6.0' type='text/css' media='all' /> 165<link rel='stylesheet' id='select2-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/select2/select2.min.css?ver=4.0.13' type='text/css' media='all' /> 166<link rel='stylesheet' id='um_fileupload-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/um-fileupload.min.css?ver=2.11.2' type='text/css' media='all' /> 167<link rel='stylesheet' id='um_confirm-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/um-confirm/um-confirm.min.css?ver=1.0' type='text/css' media='all' /> 168<link rel='stylesheet' id='um_datetime-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/pickadate/default.min.css?ver=3.6.2' type='text/css' media='all' /> 169<link rel='stylesheet' id='um_datetime_date-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/pickadate/default.date.min.css?ver=3.6.2' type='text/css' media='all' /> 170<link rel='stylesheet' id='um_datetime_time-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/pickadate/default.time.min.css?ver=3.6.2' type='text/css' media='all' /> 171<link rel='stylesheet' id='um_fonticons_ii-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/legacy/fonticons/fonticons-ii.min.css?ver=2.11.2' type='text/css' media='all' /> 172<link rel='stylesheet' id='um_fonticons_fa-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/legacy/fonticons/fonticons-fa.min.css?ver=2.11.2' type='text/css' media='all' /> 173<link rel='stylesheet' id='um_fontawesome-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/um-fontawesome.min.css?ver=6.5.2' type='text/css' media='all' /> 174<link rel='stylesheet' id='um_common-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/common.min.css?ver=2.11.2' type='text/css' media='all' /> 175<link rel='stylesheet' id='um_responsive-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/um-responsive.min.css?ver=2.11.2' type='text/css' media='all' /> 176<link rel='stylesheet' id='um_styles-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/um-styles.min.css?ver=2.11.2' type='text/css' media='all' /> 177<link rel='stylesheet' id='um_crop-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/cropper/cropper.min.css?ver=1.6.1' type='text/css' media='all' /> 178<link rel='stylesheet' id='um_profile-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/um-profile.min.css?ver=2.11.2' type='text/css' media='all' /> 179<link rel='stylesheet' id='um_account-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/um-account.min.css?ver=2.11.2' type='text/css' media='all' /> 180<link rel='stylesheet' id='um_misc-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/um-misc.min.css?ver=2.11.2' type='text/css' media='all' /> 181<link rel='stylesheet' id='um_default_css-css' href='https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/css/um-old-default.min.css?ver=2.11.2' type='text/css' media='all' /> 182<link rel="preload" as="style" href="https://fonts.googleapis.com/css?family=Inter:100,200,300,400,500,600,700,800,900,100italic,200italic,300italic,400italic,500italic,600italic,700italic,800italic,900italic&display=swap&ver=1785168569" /><link rel="stylesheet" href="https://fonts.googleapis.com/css?family=Inter:100,200,300,400,500,600,700,800,900,100italic,200italic,300italic,400italic,500italic,600italic,700italic,800italic,900italic&display=swap&ver=1785168569" media="print" onload="this.media='all'"><noscript><link rel="stylesheet" href="https://fonts.googleapis.com/css?family=Inter:100,200,300,400,500,600,700,800,900,100italic,200italic,300italic,400italic,500italic,600italic,700italic,800italic,900italic&display=swap&ver=1785168569" /></noscript><link rel='stylesheet' id='elementor-gf-local-inter-css' href='https://new.asobancaria.com/wp-content/uploads/elementor/google-fonts/css/inter.css?ver=1754496268' type='text/css' media='all' />
183<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/jquery/jquery.min.js?ver=3.7.1" id="jquery-core-js"></script>
vendor: 1 bytes, line 183
183
184<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/jquery/jquery-migrate.min.js?ver=3.4.1" id="jquery-migrate-js"></script>
vendor: 1 bytes, line 184
184
185<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/case-theme-core/assets/js/lib/waypoints.min.js?ver=2.0.5" id="waypoints-js"></script>
vendor: 1 bytes, line 185
185
186<script type="text/javascript" id="pdf-generator-addon-for-elementor-page-builder-js-extra"> 187/* <![CDATA[ */ 188var rtw_pgaepb_obj = {"ajax_url":"https://www.asobancaria.com/wp-admin/admin-ajax.php","rtw_pgaepb_nonce":"9640463e11","some_thing_msg":"Some Thing Went Wrong! Please Try Again"}; 189//# sourceURL=pdf-generator-addon-for-elementor-page-builder-js-extra 190/* ]]> */ 191</script>
vendor: 1 bytes, line 191
191
192<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/pdf-generator-addon-for-elementor-page-builder/public/js/pdf-generator-addon-for-elementor-page-builder-public.js?ver=2.1.0" id="pdf-generator-addon-for-elementor-page-builder-js"></script>
vendor: 1 bytes, line 192
192
193<script type="text/javascript" src="//www.asobancaria.com/wp-content/plugins/revslider/public/js/libs/tptools.js?ver=6.7.34" id="tp-tools-js" async="async" data-wp-strategy="async"></script>
vendor: 1 bytes, line 193
193
194<script type="text/javascript" src="//www.asobancaria.com/wp-content/plugins/revslider/public/js/sr7.js?ver=6.7.34" id="sr7-js" async="async" data-wp-strategy="async"></script>
vendor: 1 bytes, line 194
194
195<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/woocommerce/assets/js/jquery-blockui/jquery.blockUI.min.js?ver=2.7.0-wc.10.5.2" id="wc-jquery-blockui-js" defer="defer" data-wp-strategy="defer"></script>
vendor: 1 bytes, line 195
195
196<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/woocommerce/assets/js/js-cookie/js.cookie.min.js?ver=2.1.4-wc.10.5.2" id="wc-js-cookie-js" defer="defer" data-wp-strategy="defer"></script>
vendor: 1 bytes, line 196
196
197<script type="text/javascript" id="woocommerce-js-extra"> 198/* <![CDATA[ */ 199var woocommerce_params = {"ajax_url":"/wp-admin/admin-ajax.php","wc_ajax_url":"/?wc-ajax=%%endpoint%%","i18n_password_show":"Mostrar contrase\u00f1a","i18n_password_hide":"Ocultar contrase\u00f1a"}; 200//# sourceURL=woocommerce-js-extra 201/* ]]> */ 202</script>
vendor: 1 bytes, line 202
202
203<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/woocommerce/assets/js/frontend/woocommerce.min.js?ver=10.5.2" id="woocommerce-js" defer="defer" data-wp-strategy="defer"></script>
vendor: 1 bytes, line 203
203
204<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/elementor/js/ct-inline-css.js?ver=3.2.4" id="ct-inline-css-js-js"></script>
vendor: 1 bytes, line 204
204
205<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/elementor/js/ct-elementor.js?ver=3.2.4" id="ct-elementor-js-js"></script>
vendor: 1 bytes, line 205
205
206<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/um-gdpr.min.js?ver=2.11.2" id="um-gdpr-js"></script>
206 207<link rel="https://api.w.org/" href="https://www.asobancaria.com/wp-json/" /><link rel="alternate" title="JSON" type="application/json" href="https://www.asobancaria.com/wp-json/wp/v2/pages/5952" /><link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://www.asobancaria.com/xmlrpc.php?rsd" /> 208<meta name="generator" content="WordPress 6.9.9" /> 209<meta name="generator" content="WooCommerce 10.5.2" /> 210<link rel='shortlink' href='https://www.asobancaria.com/?p=5952' /> 211<meta name="generator" content="Redux 4.5.10" /> 212 <!-- GA Google Analytics @ https://m0n.co/ga -->
vendor: 66 bytes, lines 212-213
212 213 <script async src="https://www.googletagmanager.com/gtag/js?id=
213G-MQ15RXMHJ5
vendor: 14 bytes, lines 213-214
213"></script> 214
214<script> 215
vendor: 136 bytes, lines 215-218
215window.dataLayer = window.dataLayer || []; 216 function gtag(){dataLayer.push(arguments);} 217 gtag('js', new Date()); 218 gtag('config', '
218G-MQ15RXMHJ5
vendor: 6 bytes, lines 218-219
218'); 219
219</script>
219 220 221 <link rel="icon" type="image/png" href="https://www.asobancaria.com/wp-content/uploads/2025/08/favicon2-306x306-1.png"/> <noscript><style>.woocommerce-product-gallery{ opacity: 1 !important; }</style></noscript> 222 <meta name="generator" content="Elementor 3.35.5; features: additional_custom_breakpoints; settings: css_print_method-external, google_font-enabled, font_display-swap"> 223<style type="text/css" id="filter-everything-inline-css">.wpc-orderby-select{width:100%}.wpc-filters-open-button-container{display:none}.wpc-debug-message{padding:16px;font-size:14px;border:1px dashed #ccc;margin-bottom:20px}.wpc-debug-title{visibility:hidden}.wpc-button-inner,.wpc-chip-content{display:flex;align-items:center}.wpc-icon-html-wrapper{position:relative;margin-right:10px;top:2px}.wpc-icon-html-wrapper span{display:block;height:1px;width:18px;border-radius:3px;background:#2c2d33;margin-bottom:4px;position:relative}span.wpc-icon-line-1:after,span.wpc-icon-line-2:after,span.wpc-icon-line-3:after{content:"";display:block;width:3px;height:3px;border:1px solid #2c2d33;background-color:#fff;position:absolute;top:-2px;box-sizing:content-box}
223span.wpc-icon-line-3:after{border-radius:50%;left:2px}span.wpc-icon-line-1:after{border-radius:50%;left:5px}span.wpc-icon-line-2:after{border-radius:50%;left:12px}body .wpc-filters-open-button-container a.wpc-filters-open-widget,body .wpc-filters-open-button-container a.wpc-open-close-filters-button{display:inline-block;text-align:left;border:1px solid #2c2d33;border-radius:2px;line-height:1.5;padding:7px 12px;background-color:transparent;color:#2c2d33;box-sizing:border-box;text-decoration:none!important;font-weight:400;transition:none;position:relative}@media screen and (max-width:768px){.wpc_show_bottom_widget .wpc-filters-open-button-container,.wpc_show_open_close_button .wpc-filters-open-button-container{display:block}.wpc_show_bottom_widget .wpc-filters-open-button-container{margin-top:1em;margin-bottom:1em}}</style> 224 <style> 225 .e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload), 226 .e-con.e-parent:nth-of-type(n+4):not(.e-lazyloaded):not(.e-no-lazyload) * { 227 background-image: none !important; 228 } 229 @media screen and (max-height: 1024px) { 230 .e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload), 231 .e-con.e-parent:nth-of-type(n+3):not(.e-lazyloaded):not(.e-no-lazyload) * { 232 background-image: none !important; 233 } 234 } 235 @media screen and (max-height: 640px) { 236 .e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload), 237 .e-con.e-parent:nth-of-type(n+2):not(.e-lazyloaded):not(.e-no-lazyload) * { 238 background-image: none !important; 239 } 240 } 241 </style> 242 <link rel="preconnect" href="https://fonts.googleapis.com"> 243<link rel="preconnect" href="https://fonts.gstatic.com/" crossorigin> 244<meta name="generator" content="Powered by Slider Revolution 6.7.34 - responsive, Mobile-Friendly Slider Plugin for WordPress with comfortable drag and drop interface." /> 245<link rel="icon" href="https://www.asobancaria.com/wp-content/uploads/2025/08/cropped-cropped-favicon2-306x306-1-32x32.png" sizes="32x32" /> 246<link rel="icon" href="https://www.asobancaria.com/wp-content/uploads/2025/08/cropped-cropped-favicon2-306x306-1-192x192.png" sizes="192x192" /> 247<link rel="apple-touch-icon" href="https://www.asobancaria.com/wp-content/uploads/2025/08/cropped-cropped-favicon2-306x306-1-180x180.png" /> 248<meta name="msapplication-TileImage" content="https://www.asobancaria.com/wp-content/uploads/2025/08/cropped-cropped-favicon2-306x306-1-270x270.png" />
249<script> 250 window._tpt ??= {}; 251 window.SR7 ??= {}; 252 _tpt.R ??= {}; 253 _tpt.R.fonts ??= {}; 254 _tpt.R.fonts.customFonts??= {}; 255 SR7.devMode = false; 256 SR7.F ??= {}; 257 SR7.G ??= {}; 258 SR7.LIB ??= {}; 259 SR7.E ??= {}; 260 SR7.E.gAddons ??= {}; 261 SR7.E.php ??= {}; 262 SR7.E.nonce = 'b7d1db8eaf'; 263 SR7.E.ajaxurl = 'https://www.asobancaria.com/wp-admin/admin-ajax.php'; 264 SR7.E.resturl = 'https://www.asobancaria.com/wp-json/'; 265 SR7.E.slug_path = 'revslider/revslider.php'; 266 SR7.E.slug = 'revslider'; 267 SR7.E.plugin_url = 'https://www.asobancaria.com/wp-content/plugins/revslider/'; 268 SR7.E.wp_plugin_url = 'https://www.asobancaria.com/wp-content/plugins/'; 269 SR7.E.revision = '6.7.34'; 270 SR7.E.fontBaseUrl = ''; 271 SR7.G.breakPoints = [1240,1024,778,480]; 272 SR7.E.modules = ['module','page','slide','layer','draw','animate','srtools','canvas','defaults','carousel','navigation','media','modifiers','migration']; 273 SR7.E.libs = ['WEBGL']; 274 SR7.E.css = ['csslp','cssbtns','cssfilters','cssnav','cssmedia']; 275 SR7.E.resources = {}; 276 SR7.E.ytnc = false; 277 SR7.JSON ??= {}; 278/*! Slider Revolution 7.0 - Page Processor */ 279!function(){"use strict";window.SR7??={},window._tpt??={},SR7.version="Slider Revolution 6.7.16",_tpt.getMobileZoom=()=>_tpt.is_mobile?document.documentElement.clientWidth/window.innerWidth:1,_tpt.getWinDim=function(t){_tpt.screenHeightWithUrlBar??=window.innerHeight;let e=SR7.F?.modal?.visible&&SR7.M[SR7.F.module.getIdByAlias(SR7.F.modal.requested)];_tpt.scrollBar=window.innerWidth!==document.documentElement.clientWidth||e&&window.innerWidth!==e.c.module.clientWidth,_tpt.winW=_tpt.getMobileZoom()*window.innerWidth-(_tpt.scrollBar||"prepare"==t?_tpt.scrollBarW??_tpt.mesureScrollBar():0),_tpt.winH=_tpt.getMobileZoom()*window.innerHeight,_tpt.winWAll=document.documentElement.clientWidth},_tpt.getResponsiveLevel=function(t,e){SR7.M[e];return _tpt.closestGE(t,_tpt.winWAll)},_tpt.mesureScrollBar=function(){let t=document.createElement("div");return t.className="RSscrollbar-measure",t.style.width="100px",t.style.height="100px",t.style.overflow="scroll",t.style.position="absolute",t.style.top="-9999px",document.body.appendChild(t),_tpt.scrollBarW=t.offsetWidth-t.clientWidth,document.body.removeChild(t),_tpt.scrollBarW},_tpt.loadCSS=async function(t,e,s){return s?_tpt.R.fonts.required[e].status=1:(_tpt.R[e]??={},_tpt.R[e].status=1),new Promise(((i,n)=>{if(_tpt.isStylesheetLoaded(t))s?_tpt.R.fonts.required[e].status=2:_tpt.R[e].status=2,i();else{const o=document.createElement("link");o.rel="stylesheet";let l="text",r="css";o["type"]=l+"/"+r,o.href=t,o.onload=()=>{s?_tpt.R.fonts.required[e].status=2:_tpt.R[e].status=2,i()},o.onerror=()=>{s?_tpt.R.fonts.required[e].status=3:_tpt.R[e].status=3,n(new Error(`Failed to load CSS: ${t}`))},document.head.appendChild(o)}}))},_tpt.addContainer=function(t){const{tag:e="div",id:s,class:i,datas:n,textContent:o,iHTML:l}=t,r=document.createElement(e);if(s&&""!==s&&(r.id=s),i&&""!==i&&(r.className=i),n)for(const[t,e]of Object.entries(n))"style"==t?r.style.cssText=e:r.setAttribute(`data-${t}`,e);return o&&(r.textContent=o),l&&(r.innerHTML=l),r},_tpt.collector=function(){return{fragment:new DocumentFragment,add(t){var e=_tpt.addContainer(t);return this.fragment.appendChild(e),e},append(t){t.appendChild(this.fragment)}}},_tpt.isStylesheetLoaded=function(t){let e=t.split("?")[0];return Array.from(document.querySelectorAll('link[rel="stylesheet"], link[rel="preload"]')).some((t=>t.href.split("?")[0]===e))},_tpt.preloader={requests:new Map,preloaderTemplates:new Map,show:function(t,e){if(!e||!t)return;const{type:s,color:i}=e;if(s<0||"off"==s)return;const n=`preloader_${s}`;let o=this.preloaderTemplates.get(n);o||(o=this.build(s,i),this.preloaderTemplates.set(n,o)),this.requests.has(t)||this.requests.set(t,{count:0});const l=this.requests.get(t);clearTimeout(l.timer),l.count++,1===l.count&&(l.timer=setTimeout((()=>{l.preloaderClone=o.cloneNode(!0),l.anim&&l.anim.kill(),void 0!==_tpt.gsap?l.anim=_tpt.gsap.fromTo(l.preloaderClone,1,{opacity:0},{opacity:1}):l.preloaderClone.classList.add("sr7-fade-in"),t.appendChild(l.preloaderClone)}),150))},hide:function(t){if(!this.requests.has(t))return;const e=this.requests.get(t);e.count--,e.count<0&&(e.count=0),e.anim&&e.anim.kill(),0===e.count&&(clearTimeout(e.timer),e.preloaderClone&&(e.preloaderClone.classList.remove("sr7-fade-in"),e.anim=_tpt.gsap.to(e.preloaderClone,.3,{opacity:0,onComplete:function(){e.preloaderClone.remove()}})))},state:function(t){if(!this.requests.has(t))return!1;return this.requests.get(t).count>0},build:(t,e="#ffffff",s="")=>{if(t<0||"off"===t)return null;const i=parseInt(t);if(t="prlt"+i,isNaN(i))return null;if(_tpt.loadCSS(SR7.E.plugin_url+"public/css/preloaders/t"+i+".css","preloader_"+t),isNaN(i)||i<6){const n=`background-color:${e}`,o=1===i||2==i?n:"",l=3===i||4==i?n:"",r=_tpt.collector();["dot1","dot2","bounce1","bounce2","bounce3"].forEach((t=>r.add({tag:"div",class:t,datas:{style:l}})));const d=_tpt.addContainer({tag:"sr7-prl",class:`${t} ${s}`,datas:{style:o}});return r.append(d),d}{let n={};if(7===i){let t;e.startsWith("#")?(t=e.replace("#",""),t=`rgba(${parseInt(t.substring(0,2),16)}, ${parseInt(t.substring(2,4),16)}, ${parseInt(t.substring(4,6),16)}, `):e.startsWith("rgb")&&(t=e.slice(e.indexOf("(")+1,e.lastIndexOf(")")).split(",").map((t=>t.trim())),t=`rgba(${t[0]}, ${t[1]}, ${t[2]}, `),t&&(n.style=`border-top-color: ${t}0.65); border-bottom-color: ${t}0.15); border-left-color: ${t}0.65); border-right-color: ${t}0.15)`)}else 12===i&&(n.style=`background:${e}`);const o=[10,0,4,2,5,9,0,4,4,2][i-6],l=_tpt.collector(),r=l.add({tag:"div",class:"sr7-prl-inner",datas:n});Array.from({length:o}
279).forEach((()=>r.appendChild(l.add({tag:"span",datas:{style:`background:${e}`}}))));const d=_tpt.addContainer({tag:"sr7-prl",class:`${t} ${s}`});return l.append(d),d}}},SR7.preLoader={show:(t,e)=>{"off"!==(SR7.M[t]?.settings?.pLoader?.type??"off")&&_tpt.preloader.show(e||SR7.M[t].c.module,SR7.M[t]?.settings?.pLoader??{color:"#fff",type:10})},hide:(t,e)=>{"off"!==(SR7.M[t]?.settings?.pLoader?.type??"off")&&_tpt.preloader.hide(e||SR7.M[t].c.module)},state:(t,e)=>_tpt.preloader.state(e||SR7.M[t].c.module)},_tpt.prepareModuleHeight=function(t){window.SR7.M??={},window.SR7.M[t.id]??={},"ignore"==t.googleFont&&(SR7.E.ignoreGoogleFont=!0);let e=window.SR7.M[t.id];if(null==_tpt.scrollBarW&&_tpt.mesureScrollBar(),e.c??={},e.states??={},e.settings??={},e.settings.size??={},t.fixed&&(e.settings.fixed=!0),e.c.module=document.querySelector("sr7-module#"+t.id),e.c.adjuster=e.c.module.getElementsByTagName("sr7-adjuster")[0],e.c.content=e.c.module.getElementsByTagName("sr7-content")[0],"carousel"==t.type&&(e.c.carousel=e.c.content.getElementsByTagName("sr7-carousel")[0]),null==e.c.module||null==e.c.module)return;t.plType&&t.plColor&&(e.settings.pLoader={type:t.plType,color:t.plColor}),void 0===t.plType||"off"===t.plType||SR7.preLoader.state(t.id)&&SR7.preLoader.state(t.id,e.c.module)||SR7.preLoader.show(t.id,e.c.module),_tpt.winW||_tpt.getWinDim("prepare"),_tpt.getWinDim();let s=""+e.c.module.dataset?.modal;"modal"==s||"true"==s||"undefined"!==s&&"false"!==s||(e.settings.size.fullWidth=t.size.fullWidth,e.LEV??=_tpt.getResponsiveLevel(window.SR7.G.breakPoints,t.id),t.vpt=_tpt.fillArray(t.vpt,5),e.settings.vPort=t.vpt[e.LEV],void 0!==t.el&&"720"==t.el[4]&&t.gh[4]!==t.el[4]&&"960"==t.el[3]&&t.gh[3]!==t.el[3]&&"768"==t.el[2]&&t.gh[2]!==t.el[2]&&delete t.el,e.settings.size.height=null==t.el||null==t.el[e.LEV]||0==t.el[e.LEV]||"auto"==t.el[e.LEV]?_tpt.fillArray(t.gh,5,-1):_tpt.fillArray(t.el,5,-1),e.settings.size.width=_tpt.fillArray(t.gw,5,-1),e.settings.size.minHeight=_tpt.fillArray(t.mh??[0],5,-1),e.cacheSize={fullWidth:e.settings.size?.fullWidth,fullHeight:e.settings.size?.fullHeight},void 0!==t.off&&(t.off?.t&&(e.settings.size.m??={})&&(e.settings.size.m.t=t.off.t),t.off?.b&&(e.settings.size.m??={})&&(e.settings.size.m.b=t.off.b),t.off?.l&&(e.settings.size.p??={})&&(e.settings.size.p.l=t.off.l),t.off?.r&&(e.settings.size.p??={})&&(e.settings.size.p.r=t.off.r),e.offsetPrepared=!0),_tpt.updatePMHeight(t.id,t,!0))},_tpt.updatePMHeight=(t,e,s)=>{let i=SR7.M[t];var n=i.settings.size.fullWidth?_tpt.winW:i.c.module.parentNode.offsetWidth;n=0===n||isNaN(n)?_tpt.winW:n;let o=i.settings.size.width[i.LEV]||i.settings.size.width[i.LEV++]||i.settings.size.width[i.LEV--]||n,l=i.settings.size.height[i.LEV]||i.settings.size.height[i.LEV++]||i.settings.size.height[i.LEV--]||0,r=i.settings.size.minHeight[i.LEV]||i.settings.size.minHeight[i.LEV++]||i.settings.size.minHeight[i.LEV--]||0;if(l="auto"==l?0:l,l=parseInt(l),"carousel"!==e.type&&(n-=parseInt(e.onw??0)||0),i.MP=!i.settings.size.fullWidth&&n<o||_tpt.winW<o?Math.min(1,n/o):1,e.size.fullScreen||e.size.fullHeight){let t=parseInt(e.fho)||0,s=(""+e.fho).indexOf("%")>-1;e.newh=_tpt.winH-(s?_tpt.winH*t/100:t)}else e.newh=i.MP*Math.max(l,r);if(e.newh+=(parseInt(e.onh??0)||0)+(parseInt(e.carousel?.pt)||0)+(parseInt(e.carousel?.pb)||0),void 0!==e.slideduration&&(e.newh=Math.max(e.newh,parseInt(e.slideduration)/3)),e.shdw&&_tpt.buildShadow(e.id,e),i.c.adjuster.style.height=e.newh+"px",i.c.module.style.height=e.newh+"px",i.c.content.style.height=e.newh+"px",i.states.heightPrepared=!0,i.dims??={},i.dims.moduleRect=i.c.module.getBoundingClientRect(),i.c.content.style.left="-"+i.dims.moduleRect.left+"px",!i.settings.size.fullWidth)return s&&requestAnimationFrame((()=>{n!==i.c.module.parentNode.offsetWidth&&_tpt.updatePMHeight(e.id,e)})),void _tpt.bgStyle(e.id,e,window.innerWidth==_tpt.winW,!0);_tpt.bgStyle(e.id,e,window.innerWidth==_tpt.winW,!0),requestAnimationFrame((function(){s&&requestAnimationFrame((()=>{n!==i.c.module.parentNode.offsetWidth&&_tpt.updatePMHeight(e.id,e)}))}
279)),i.earlyResizerFunction||(i.earlyResizerFunction=function(){requestAnimationFrame((function(){_tpt.getWinDim(),_tpt.moduleDefaults(e.id,e),_tpt.updateSlideBg(t,!0)}))},window.addEventListener("resize",i.earlyResizerFunction))},_tpt.buildShadow=function(t,e){let s=SR7.M[t];null==s.c.shadow&&(s.c.shadow=document.createElement("sr7-module-shadow"),s.c.shadow.classList.add("sr7-shdw-"+e.shdw),s.c.content.appendChild(s.c.shadow))},_tpt.bgStyle=async(t,e,s,i,n)=>{const o=SR7.M[t];if((e=e??o.settings).fixed&&!o.c.module.classList.contains("sr7-top-fixed")&&(o.c.module.classList.add("sr7-top-fixed"),o.c.module.style.position="fixed",o.c.module.style.width="100%",o.c.module.style.top="0px",o.c.module.style.left="0px",o.c.module.style.pointerEvents="none",o.c.module.style.zIndex=5e3,o.c.content.style.pointerEvents="none"),null==o.c.bgcanvas){let t=document.createElement("sr7-module-bg"),l=!1;if("string"==typeof e?.bg?.color&&e?.bg?.color.includes("{"))if(_tpt.gradient&&_tpt.gsap)e.bg.color=_tpt.gradient.convert(e.bg.color);else try{let t=JSON.parse(e.bg.color);(t?.orig||t?.string)&&(e.bg.color=JSON.parse(e.bg.color))}catch(t){return}let r="string"==typeof e?.bg?.color?e?.bg?.color||"transparent":e?.bg?.color?.string??e?.bg?.color?.orig??e?.bg?.color?.color??"transparent";if(t.style["background"+(String(r).includes("grad")?"":"Color")]=r,("transparent"!==r||n)&&(l=!0),o.offsetPrepared&&(t.style.visibility="hidden"),e?.bg?.image?.src&&(t.style.backgroundImage=`url(${e?.bg?.image.src})`,t.style.backgroundSize=""==(e.bg.image?.size??"")?"cover":e.bg.image.size,t.style.backgroundPosition=e.bg.image.position,t.style.backgroundRepeat=""==e.bg.image.repeat||null==e.bg.image.repeat?"no-repeat":e.bg.image.repeat,l=!0),!l)return;o.c.bgcanvas=t,e.size.fullWidth?t.style.width=_tpt.winW-(s&&_tpt.winH<document.body.offsetHeight?_tpt.scrollBarW:0)+"px":i&&(t.style.width=o.c.module.offsetWidth+"px"),e.sbt?.use?o.c.content.appendChild(o.c.bgcanvas):o.c.module.appendChild(o.c.bgcanvas)}o.c.bgcanvas.style.height=void 0!==e.newh?e.newh+"px":("carousel"==e.type?o.dims.module.h:o.dims.content.h)+"px",o.c.bgcanvas.style.left=!s&&e.sbt?.use||o.c.bgcanvas.closest("SR7-CONTENT")?"0px":"-"+(o?.dims?.moduleRect?.left??0)+"px"},_tpt.updateSlideBg=function(t,e){const s=SR7.M[t];let i=s.settings;s?.c?.bgcanvas&&(i.size.fullWidth?s.c.bgcanvas.style.width=_tpt.winW-(e&&_tpt.winH<document.body.offsetHeight?_tpt.scrollBarW:0)+"px":preparing&&(s.c.bgcanvas.style.width=s.c.module.offsetWidth+"px"))},_tpt.moduleDefaults=(t,e)=>{let s=SR7.M[t];null!=s&&null!=s.c&&null!=s.c.module&&(s.dims??={},s.dims.moduleRect=s.c.module.getBoundingClientRect(),s.c.content.style.left="-"+s.dims.moduleRect.left+"px",s.c.content.style.width=_tpt.winW-_tpt.scrollBarW+"px","carousel"==e.type&&(s.c.module.style.overflow="visible"),_tpt.bgStyle(t,e,window.innerWidth==_tpt.winW))},_tpt.getOffset=t=>{var e=t.getBoundingClientRect(),s=window.pageXOffset||document.documentElement.scrollLeft,i=window.pageYOffset||document.documentElement.scrollTop;return{top:e.top+i,left:e.left+s}},_tpt.fillArray=function(t,e){let s,i;t=Array.isArray(t)?t:[t];let n=Array(e),o=t.length;for(i=0;i<t.length;i++)n[i+(e-o)]=t[i],null==s&&"#"!==t[i]&&(s=t[i]);for(let t=0;t<e;t++)void 0!==n[t]&&"#"!=n[t]||(n[t]=s),s=n[t];return n},_tpt.closestGE=function(t,e){let s=Number.MAX_VALUE,i=-1;for(let n=0;n<t.length;n++)t[n]-1>=e&&t[n]-1-e<s&&(s=t[n]-1-e,i=n);return++i}}();</script>
279 280<style id="ct_theme_options-dynamic-css" title="dynamic-css" class="redux-options-output">.ct-main-menu > li > a, body .ct-main-menu .sub-menu li a{font-family:Inter;font-weight:400;}body #pagetitle{background-color:transparent;background-repeat:no-repeat;background-attachment:scroll;background-position:center center;background-image:url('https://www.asobancaria.com/wp-content/uploads/2025/10/banner-asobancaria-vertical.jpg');background-size:cover;}.ct-breadcrumb{color:#ffffff;}a{color:#004f91;}a:hover{color:#fa6780;}a:active{color:#fa6780;}body, .fixed-footer #ct-masthead, .fixed-footer .site-content{background-color:#ffffff;}body{color:#7a7a7a;}body{font-family:Inter;line-height:20px;font-weight:700;font-style:normal;font-size:16px;}h1,.h1,.text-heading{font-family:Inter;font-weight:400;font-style:normal;}</style></head> 281 282<body class="wp-singular page-template-default page page-id-5952 wp-custom-logo wp-theme-consultio wp-child-theme-consultio-child theme-consultio woocommerce-no-js redux-page site-h7 heading-default-font ct-gradient-same btn-type-gradient fixed-footer mobile-header-dark site-404-default elementor-default elementor-kit-4540 elementor-page elementor-page-5952"> 283 <div id="page" class="site"> 284 <header id="ct-masthead"> 285 <div id="ct-header-wrap" class="ct-header-layout7 header-trans fixed-height "> 286 <div id="ct-header" class="ct-header-main"> 287 <div class="container"> 288 <div class="row"> 289 <div class="ct-header-branding"> 290 <div class="ct-header-branding-inner"> 291 <a class="logo-dark" href="https://www.asobancaria.com/" title="Asobancaria" rel="home"><img src="https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-AZUL.png" alt="Asobancaria"/></a><a class="logo-light" href="https://www.asobancaria.com/" title="Asobancaria" rel="home"><img src="https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-BLANCO.png" alt="Asobancaria"/></a><a class="logo-mobile" href="https://www.asobancaria.com/" title="Asobancaria" rel="home"><img src="https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-AZUL.png" alt="Asobancaria"/></a> </div> 292 </div> 293 <div class="ct-header-navigation"> 294 <nav class="ct-main-navigation"> 295 <div class="ct-main-navigation-inner"> 296 <div class="ct-logo-mobile"> 297 <a href="" title="" rel="home"><img src="https://www.asobancaria.com/wp-content/uploads/2026/02/LOGO-ABC-90-AZUL.png" alt=""/></a> 298 </div> 299 <div class="header-mobile-search"> 300 <form role="search" method="get" action="https://www.asobancaria.com/"> 301 <input type="text" placeholder="Buscar..." name="s" class="search-field" /> 302 <button type="submit" class="search-submit"><i class="fac fac-search"></i></button> 303 </form> 304 </div> 305 <div class="ct-main-navigation-filter"> 306 <ul id="menu-main-menu" class="ct-main-menu sub-hover children-hidden clearfix"><li id="menu-item-5436" class="menu-item menu-item-type-post_type menu-item-object-page current-menu-ancestor current-menu-parent current_page_parent current_page_ancestor menu-item-has-children menu-item-5436"><a href="https://www.asobancaria.com/nuestra-labor/"><span>Quiénes somos</span></a> 307<ul class="sub-menu"> 308 <li id="menu-item-5827" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-5827"><a href="/nuestra-labor"><span>Nuestra Labor</span></a></li> 309 <li id="menu-item-12012" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-12012"><a href="https://www.asobancaria.com/equipo-de-trabajo/"><span>Equipo de trabajo</span></a></li> 310 <li id="menu-item-5931" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-5931"><a href="https://www.asobancaria.com/agremiados/"><span>Agremiados</span></a></li> 311 <li id="menu-item-6012" class="menu-item menu-item-type-post_type menu-item-object-page current-menu-item page_item page-item-5952 current_page_item menu-item-6012"><a href="https://www.asobancaria.com/normatividad/" aria-current="page"><span>Normatividad</span></a></li> 312 <li id="menu-item-14544" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-14544"><a target="_blank" href="/gobierno-corporativo/"><span>Gobierno Corporativo</span></a></li> 313 <li id="menu-item-14547" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-14547"><a target="_blank" href="/transparencia-y-etica-empresarial/"><span>Transparencia y Ãtica Empresarial</span></a></li> 314 <li id="menu-item-5480" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-5480"><a href="https://www.asobancaria.com/contacto/"><span>Contacto</span></a></li> 315</ul> 316</li> 317<li id="menu-item-6149" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-6149"><a href="https://publicaciones.asobancaria.com/" class="is-one-page"><span>Publicaciones</span></a></li> 318<li id="menu-item-24368" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-24368"><a href="#"><span>Iniciativas</span></a> 319<ul class="sub-menu"> 320 <li id="menu-item-13869" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-13869"><a href="https://www.asobancaria.com/iniciativas/cifras-del-sector/"><span>Cifras del sector</span></a></li> 321 <li id="menu-item-6598" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-6598"><a target="_blank" href="https://www.sabermassermas.com/"><span>Educación Financiera</span></a></li> 322 <li id="menu-item-11130" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-11130"><a href="https://www.asobancaria.com/iniciativas/transformacion-digital-e-inclusion-financiera/"><span>Transformación Digital e Inclusión Financiera</span></a></li> 323 <li id="menu-item-6795" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-6795"><a href="https://www.asobancaria.com/iniciativas/sostenibilidad/"><span>Sostenibilidad</span></a> 324 <ul class="sub-menu"> 325 <li id="menu-item-7096" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-7096"><a href="https://www.asobancaria.com/iniciativas/sostenibilidad/"><span>Estrategia</span></a></li>
326 <li id="menu-item-11538" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-11538"><a href="https://www.asobancaria.com/iniciativas/sostenibilidad/protocolo-social/"><span>Protocolo Social</span></a></li> 327 <li id="menu-item-11512" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-11512"><a href="https://www.asobancaria.com/iniciativas/sostenibilidad/protocolo-verde/"><span>Protocolo verde</span></a></li> 328 </ul> 329</li> 330 <li id="menu-item-24369" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-24369"><a href="#"><span>Seguridad</span></a> 331 <ul class="sub-menu"> 332 <li id="menu-item-10861" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-10861"><a target="_blank" href="https://www.sabermassermas.com/por-una-red-segura/"><span>Por una red segura</span></a></li> 333 <li id="menu-item-10860" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-10860"><a href="https://www.asobancaria.com/iniciativas/csirt-financiero/"><span>CSIRT Financiero</span></a></li> 334 <li id="menu-item-10859" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-10859"><a href="https://www.asobancaria.com/iniciativas/informes-seguridad-bancaria/"><span>Informe Delitos Informáticos</span></a></li> 335 </ul> 336</li> 337 <li id="menu-item-11164" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-11164"><a target="_blank" href="/gestion-de-crisis-y-continuidad-de-negocio/"><span>Gestión de Crisis</span></a></li> 338 <li id="menu-item-10696" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-10696"><a href="https://www.asobancaria.com/iniciativas/asobiometrik-colombia/"><span>Asobiometrik Colombia </span></a></li> 339 <li id="menu-item-11160" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-11160"><a href="https://www.asobancaria.com/iniciativas/ibr/"><span>IBR</span></a></li> 340 <li id="menu-item-11165" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-11165"><a href="https://www.asobancaria.com/iniciativas/contrato-marco-de-derivados/"><span>Contrato Marco de Derivados</span></a></li> 341 <li id="menu-item-11168" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-11168"><a href="https://www.asobancaria.com/iniciativas/call-for-papers-y-mejor-tesis-de-maestria/"><span>Call For Papers y Mejor Tesis de MaestrÃa</span></a></li> 342 <li id="menu-item-9747" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-9747"><a href="https://www.asobancaria.com/leasing/"><span>Leasing</span></a></li> 343 <li id="menu-item-10870" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-10870"><a href="#"><span>Servicio al cliente</span></a> 344 <ul class="sub-menu"> 345 <li id="menu-item-10871" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-10871"><a target="_blank" href="https://www.sabermassermas.com/ws/bancaparatodos/"><span>Curso lengua de señas</span></a></li> 346 <li id="menu-item-10872" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-10872"><a target="_blank" href="/wp-content/uploads/2025/09/Cultura-Incluyente-en-el-Sector-Bancario.pdf"><span>Cultura incluyente</span></a></li> 347 <li id="menu-item-10873" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-10873"><a target="_blank" href="/wp-content/uploads/2025/09/21-12-EF-Guia-buenas-practicas_PublicoVF.pdf"><span>GuÃa buenas prácticas PQRS</span></a></li> 348 </ul> 349</li> 350</ul> 351</li> 352<li id="menu-item-9379" class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-9379"><a href="#"><span>Sala de Prensa</span></a> 353<ul class="sub-menu"> 354 <li id="menu-item-9378" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-9378"><a href="https://www.asobancaria.com/comunicados-de-prensa/"><span>Comunicados de prensa</span></a></li> 355 <li id="menu-item-9377" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-9377"><a href="https://www.asobancaria.com/columnas-de-opinion/"><span>Columnas de opinión</span></a></li> 356 <li id="menu-item-9376" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-9376"><a href="https://www.asobancaria.com/discursos-asobancaria/"><span>Discursos Asobancaria</span></a></li> 357 <li id="menu-item-24512" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-24512"><a href="https://www.asobancaria.com/noticias-de-actualidad/"><span>Noticias de actualidad</span></a></li> 358</ul> 359</li> 360<li id="menu-item-81148" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-81148"><a href="https://www.asobancaria.com/capacitaciones-y-eventos/"><span>Capacitaciones y eventos</span></a> 361<ul class="sub-menu"> 362 <li id="menu-item-9754" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-9754"><a href="https://www.asobancaria.com/capacitaciones/"><span>Nuestras Capacitaciones</span></a></li> 363 <li id="menu-item-11989" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-11989"><a href="https://www.asobancaria.com/eventos/"><span>Nuestros Eventos</span></a></li> 364 <li id="menu-item-9753" class="menu-item menu-item-type-post_type menu-item-object-page menu-item-9753"><a href="https://www.asobancaria.com/videos/"><span>Nuestros Videos</span></a></li> 365</ul> 366</li> 367</ul> </div> 368 </div> 369 </nav> 370 <div class="ct-header-meta"> 371 <div class="header-right-item h-btn-search"><i class="fac fac-search"></i></div> 372 </div> 373 </div> 374 </div> 375 </div> 376 <div id="ct-menu-mobile">
377 <span class="btn-nav-mobile open-menu"> 378 <span></span> 379 </span> 380 </div> 381 </div> 382 </div> 383</header> 384 <div id="pagetitle" class="page-title bg-image overlay-hide text-center"> 385 <div class="container"> 386 <div class="page-title-inner"> 387 388 <div class="page-title-holder"> 389 <h1 class="page-title">Normatividad </h1> </div> 390 391 <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> 392 </div> 393 </div> 394 395 <div id="content" class="site-content"> 396 <div class="content-inner"> 397 <div class="ct-page-content content-container"> 398 <div class="row content-row"> 399 <div id="primary" class="content-area col-12"> 400 <main id="main" class="site-main"> 401 402<article id="post-5952" class="post-5952 page type-page status-publish hentry"> 403 <div class="entry-content clearfix"> 404 <div data-elementor-type="wp-page" data-elementor-id="5952" class="elementor elementor-5952" data-elementor-post-type="page"> 405 <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"> 406 <div class="e-con-inner"> 407 <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"> 408 <div class="elementor-widget-container"> 409 <div id="ct_heading-fff41a7" class="ct-heading h-align-center sub-style1 ct-heading-left item-st-default"> 410 <div class="ct-item--inner"> 411 <div class="ct-inline-css" data-css=" 412 "> 413 </div> 414 <h3 class="item--title st-default case-animate-time" data-wow-delay="ms"> 415 <span class="sp-main"> 416 417 Decretos, Resoluciones y Leyes que rigen el sector 418 419 </span> 420 </h3> 421 </div> 422</div> </div> 423 </div> 424 <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"> 425 <div class="elementor-widget-container"> 426 <div id="ct_heading-defa906" class="ct-heading h-align- sub-style1 ct-heading-left item-st-default"> 427 <div class="ct-item--inner"> 428 <div class="ct-inline-css" data-css=" 429 "> 430 </div> 431 <h4 class="item--title st-default case-animate-time" data-wow-delay="ms"> 432 <span class="sp-main"> 433 434 Normatividad aplicable 435 436 437 </span> 438 </h4> 439 </div> 440</div> </div> 441 </div> 442 </div> 443 </div> 444 <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"> 445 <div class="e-con-inner"> 446 <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"> 447 <div class="elementor-widget-container"> 448 <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>
448La 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> 449 </div> 450 </div> 451 </div> 452 <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"> 453 <div class="e-con-inner"> 454 <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"> 455 <div class="elementor-widget-container"> 456 <div class="ct-list style4 "> 457 <div class="ct-list-item " data-wow-delay="ms"> 458 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 459 <div class="ct-list-meta"> 460 <div class="ct-list-desc"> 461 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. 462 </div> 463 </div> 464 </div> 465 <div class="ct-list-item " data-wow-delay="ms"> 466 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 467 <div class="ct-list-meta"> 468 <div class="ct-list-desc"> 469 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> 470 </div> 471 </div> 472 </div> 473 </div> 474 </div> 475 <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"> 476 <div class="elementor-widget-container"> 477 <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>
478 </div> 479 <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"> 480 <div class="elementor-widget-container"> 481 <div class="ct-list style4 "> 482 <div class="ct-list-item " data-wow-delay="ms"> 483 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 484 <div class="ct-list-meta"> 485 <div class="ct-list-desc"> 486 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. 487 </div> 488 </div> 489 </div> 490 <div class="ct-list-item " data-wow-delay="ms"> 491 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 492 <div class="ct-list-meta"> 493 <div class="ct-list-desc"> 494 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. 495 </div> 496 </div> 497 </div> 498 </div> 499 </div> 500 </div> 501 </div> 502 </div> 503 <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"> 504 <div class="e-con-inner"> 505 <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"> 506 <div class="elementor-widget-container"> 507 <div class="elementor-divider"> 508 <span class="elementor-divider-separator"> 509 </span> 510 </div> 511 </div> 512 </div> 513 </div> 514 </div> 515 <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"> 516 <div class="e-con-inner"> 517 <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"> 518 <div class="elementor-widget-container"> 519 <div id="ct_heading-fa1641f" class="ct-heading h-align- sub-style1 ct-heading-left item-st-default"> 520 <div class="ct-item--inner"> 521 <div class="ct-inline-css" data-css=" 522 "> 523 </div> 524 <h4 class="item--title st-default case-animate-time" data-wow-delay="ms"> 525 <span class="sp-main"> 526 527 Principales Leyes Aplicables 528 529 530 </span> 531 </h4> 532 </div> 533</div> </div> 534 </div> 535 </div> 536 </div> 537 <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"> 538 <div class="e-con-inner"> 539 <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"> 540 <div class="elementor-widget-container"> 541 <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."> 542 <div class="e-n-tabs-heading" role="tablist"> 543 <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;"> 544 <span class="e-n-tab-title-text"> 545 Ley 45 </span> 546 </button> 547 <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;"> 548 <span class="e-n-tab-title-text"> 549 Ley 35 </span> 550 </button> 551 <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;"> 552 <span class="e-n-tab-title-text"> 553 Ley 510 </span> 554 </button> 555 <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;"> 556 <span class="e-n-tab-title-text"> 557 Ley 546 </span> 558 </button> 559 <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;"> 560 <span class="e-n-tab-title-text"> 561 Ley 795 </span> 562 </button> 563 <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;"> 564 <span class="e-n-tab-title-text"> 565 Ley 964 </span> 566 </button> 567 <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;"> 568 <span class="e-n-tab-title-text"> 569 Ley 1238 </span> 570 </button> 571 <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;"> 572 <span class="e-n-tab-title-text"> 573 Decreto 663 </span> 574 </button> 575 </div> 576 <div class="e-n-tabs-content"> 577 <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">
578 <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"> 579 <div class="elementor-widget-container"> 580 <div class="ct-title1 style1"> 581 <h3> 582 <span>Ley 45 de 1990</span> 583 <i></i> 584 </h3> 585</div> </div> 586 </div> 587 <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"> 588 <div class="elementor-widget-container"> 589 <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> 590 591<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> 592 </div> 593 <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"> 594 <div class="elementor-widget-container"> 595 <div class="ct-title1 style1"> 596 <h3> 597 <span>Contenido de la ley</span> 598 <i></i> 599 </h3> 600</div> </div> 601 </div> 602 <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"> 603 <div class="elementor-widget-container"> 604 <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> 605<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> 606<p>Transparencia de las operaciones: intereses, de la competencia y la información, protección de tomadores y asegurados y disposiciones finales.</span></span></p> </div> 607 </div> 608 </div> 609 <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"> 610 <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"> 611 <div class="elementor-widget-container"> 612 <div class="ct-title1 style1"> 613 <h3> 614 <span>Ley 35 de 1993:</span> 615 <i></i> 616 </h3> 617</div> </div> 618 </div> 619 <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"> 620 <div class="elementor-widget-container"> 621 <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>
622 </div> 623 </div> 624 <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"> 625 <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"> 626 <div class="elementor-widget-container"> 627 <div class="ct-title1 style1"> 628 <h3> 629 <span>Ley 510 de 1999</span> 630 <i></i> 631 </h3> 632</div> </div> 633 </div> 634 <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"> 635 <div class="elementor-widget-container"> 636 <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> 637 </div> 638 </div> 639 <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"> 640 <div class="e-con-inner"> 641 <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"> 642 <div class="elementor-widget-container"> 643 <div class="ct-title1 style1"> 644 <h3> 645 <span>Ley 546 de 1999</span> 646 <i></i> 647 </h3> 648</div> </div> 649 </div> 650 <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"> 651 <div class="elementor-widget-container"> 652 <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
652y 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> 653 </div> 654 <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"> 655 <div class="elementor-widget-container"> 656 <div class="ct-title1 style1"> 657 <h3> 658 <span>Contenido de la ley</span> 659 <i></i> 660 </h3> 661</div> </div> 662 </div> 663 <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"> 664 <div class="elementor-widget-container"> 665 <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>
666 </div> 667 </div> 668 </div> 669 <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"> 670 <div class="e-con-inner"> 671 <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"> 672 <div class="elementor-widget-container"> 673 <div class="ct-title1 style1"> 674 <h3> 675 <span>Ley 795 de 2003:</span> 676 <i></i> 677 </h3> 678</div> </div> 679 </div> 680 <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"> 681 <div class="elementor-widget-container"> 682 <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> 683 </div> 684 </div> 685 </div> 686 <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"> 687 <div class="e-con-inner"> 688 <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"> 689 <div class="elementor-widget-container"> 690 <div class="ct-title1 style1"> 691 <h3> 692 <span>Ley 964 de 2005:</span> 693 <i></i> 694 </h3> 695</div> </div> 696 </div> 697 <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"> 698 <div class="elementor-widget-container"> 699 <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>
700 </div> 701 </div> 702 </div> 703 <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"> 704 <div class="e-con-inner"> 705 <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"> 706 <div class="elementor-widget-container"> 707 <div class="ct-title1 style1"> 708 <h3> 709 <span>Ley 1238 de 2009:</span> 710 <i></i> 711 </h3> 712</div> </div> 713 </div> 714 <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"> 715 <div class="elementor-widget-container"> 716 <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> 717 </div> 718 </div> 719 </div> 720 <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"> 721 <div class="e-con-inner"> 722 <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"> 723 <div class="elementor-widget-container"> 724 <div class="ct-title1 style1"> 725 <h3>
726 <span>Estatuto orgánico del sistema Financiero</span> 727 <i></i> 728 </h3> 729</div> </div> 730 </div> 731 <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"> 732 <div class="elementor-widget-container"> 733 <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> 734 </div> 735 </div> 736 </div> 737 </div> 738 </div> 739 </div> 740 </div> 741 </div> 742 </div> 743 <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"> 744 <div class="e-con-inner"> 745 <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"> 746 <div class="elementor-widget-container"> 747 <div class="elementor-divider"> 748 <span class="elementor-divider-separator"> 749 </span> 750 </div> 751 </div> 752 </div> 753 </div> 754 </div> 755 <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"> 756 <div class="e-con-inner"> 757 <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"> 758 <div class="elementor-widget-container"> 759 <div id="ct_heading-a675a0a" class="ct-heading h-align- sub-style1 ct-heading-left item-st-default"> 760 <div class="ct-item--inner"> 761 <div class="ct-inline-css" data-css=" 762 "> 763 </div> 764 <h4 class="item--title st-default case-animate-time" data-wow-delay="ms"> 765 <span class="sp-main"> 766 767 Marco JurÃdico del Sector Financiero Colombiano 768 769 770 </span> 771 </h4> 772 </div> 773</div> </div> 774 </div> 775 <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"> 776 <div class="elementor-widget-container"> 777 <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> 778 </div> 779 <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"> 780 <div class="elementor-widget-container"> 781 <div class="ct-list style4 "> 782 <div class="ct-list-item " data-wow-delay="ms"> 783 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 784 <div class="ct-list-meta"> 785 <div class="ct-list-desc"> 786 Establecimientos de crédito. </div> 787 </div> 788 </div> 789 <div class="ct-list-item " data-wow-delay="ms"> 790 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 791 <div class="ct-list-meta"> 792 <div class="ct-list-desc"> 793 Sociedades de servicios financieros. </div> 794 </div> 795 </div> 796 <div class="ct-list-item " data-wow-delay="ms"> 797 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 798 <div class="ct-list-meta"> 799 <div class="ct-list-desc"> 800 Sociedades de capitalización. </div> 801 </div> 802 </div> 803 <div class="ct-list-item " data-wow-delay="ms"> 804 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 805 <div class="ct-list-meta"> 806 <div class="ct-list-desc"> 807 Entidades con régimen especial. </div> 808 </div> 809 </div> 810 <div class="ct-list-item " data-wow-delay="ms"> 811 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 812 <div class="ct-list-meta"> 813 <div class="ct-list-desc"> 814 Entidades aseguradoras. </div> 815 </div> 816 </div> 817 <div class="ct-list-item " data-wow-delay="ms"> 818 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 819 <div class="ct-list-meta"> 820 <div class="ct-list-desc"> 821 Intermediarios de seguros y reaseguros. </div> 822 </div> 823 </div> 824 <div class="ct-list-item " data-wow-delay="ms"> 825 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 826 <div class="ct-list-meta"> 827 <div class="ct-list-desc"> 828 Sociedades de servicios técnicos y administrativos. </div> 829 </div> 830 </div> 831 </div> 832 </div>
833 </div> 834 <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"> 835 <div class="elementor-widget-container"> 836 <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> 837 </div> 838 <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"> 839 <div class="elementor-widget-container"> 840 <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."> 841 <div class="e-n-tabs-heading" role="tablist"> 842 <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;"> 843 <span class="e-n-tab-title-text"> 844 Establecimiento de crédito </span> 845 </button> 846 <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;"> 847 <span class="e-n-tab-title-text"> 848 Sociedades </span> 849 </button> 850 <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;"> 851 <span class="e-n-tab-title-text"> 852 Entidades </span> 853 </button> 854 <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;"> 855 <span class="e-n-tab-title-text"> 856 Intermediarios & Normas </span> 857 </button> 858 </div> 859 <div class="e-n-tabs-content"> 860 <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"> 861 <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"> 862 <div class="elementor-widget-container"> 863 <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> 864 </div> 865 <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"> 866 <div class="elementor-widget-container"> 867 <div class="ct-list style4 "> 868 <div class="ct-list-item " data-wow-delay="ms"> 869 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 870 <div class="ct-list-meta"> 871 <div class="ct-list-desc"> 872 <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> 873 </div> 874 </div> 875 <div class="ct-list-item " data-wow-delay="ms"> 876 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 877 <div class="ct-list-meta"> 878 <div class="ct-list-desc"> 879 <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> 880 </div> 881 </div> 882 <div class="ct-list-item " data-wow-delay="ms"> 883 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 884 <div class="ct-list-meta"> 885 <div class="ct-list-desc"> 886 <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> 887 </div> 888 </div> 889 <div class="ct-list-item " data-wow-delay="ms"> 890 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 891 <div class="ct-list-meta"> 892 <div class="ct-list-desc"> 893 <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
893amiento 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> 894 </div> 895 </div> 896 <div class="ct-list-item " data-wow-delay="ms"> 897 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 898 <div class="ct-list-meta"> 899 <div class="ct-list-desc"> 900 <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. 901 </div> 902 </div> 903 </div> 904 </div> 905 </div> 906 </div> 907 </div> 908 <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"> 909 <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"> 910 <div class="elementor-widget-container"> 911 <div class="ct-title1 style1"> 912 <h3> 913 <span>Sociedades de Servicios Financieros</span> 914 <i></i> 915 </h3> 916</div> </div> 917 </div> 918 <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"> 919 <div class="elementor-widget-container"> 920 <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> 921 </div> 922 <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"> 923 <div class="elementor-widget-container"> 924 <div class="ct-list style4 "> 925 <div class="ct-list-item " data-wow-delay="ms"> 926 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 927 <div class="ct-list-meta"> 928 <div class="ct-list-desc"> 929 <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> 930 </div> 931 </div> 932 <div class="ct-list-item " data-wow-delay="ms"> 933 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 934 <div class="ct-list-meta"> 935 <div class="ct-list-desc"> 936 <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. 937 </div> 938 </div> 939 </div> 940 <div class="ct-list-item " data-wow-delay="ms"> 941 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 942 <div class="ct-list-meta"> 943 <div class="ct-list-desc"> 944 <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
944ctúan por concepto de pensiones y de cesantÃas. 945 </div> 946 </div> 947 </div> 948 <div class="ct-list-item " data-wow-delay="ms"> 949 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 950 <div class="ct-list-meta"> 951 <div class="ct-list-desc"> 952 <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. 953 </div> 954 </div> 955 </div> 956 </div> 957 </div> 958 </div> 959 <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"> 960 <div class="elementor-widget-container"> 961 <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> 962 </div> 963 <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"> 964 <div class="elementor-widget-container"> 965 <div class="ct-title1 style1"> 966 <h3> 967 <span>Sociedades de Capitalización</span> 968 <i></i> 969 </h3> 970</div> </div> 971 </div> 972 <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"> 973 <div class="elementor-widget-container"> 974 <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> 975 </div> 976 <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"> 977 <div class="elementor-widget-container"> 978 <div class="ct-title1 style1"> 979 <h3> 980 <span>Sociedades de Servicios técnicos y administrativos</span> 981 <i></i> 982 </h3> 983</div> </div> 984 </div> 985 <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"> 986 <div class="elementor-widget-container"> 987 <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
987intervenir 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> 988 </div> 989 <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"> 990 <div class="elementor-widget-container"> 991 <div class="ct-list style4 "> 992 <div class="ct-list-item " data-wow-delay="ms"> 993 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 994 <div class="ct-list-meta"> 995 <div class="ct-list-desc"> 996 Autorizar las operaciones que pueden realizar las entidades financieras. </div> 997 </div> 998 </div> 999 <div class="ct-list-item " data-wow-delay="ms"> 1000 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 1001 <div class="ct-list-meta"> 1002 <div class="ct-list-desc"> 1003 Fijar los plazos de las operaciones autorizadas. </div> 1004 </div> 1005 </div> 1006 <div class="ct-list-item " data-wow-delay="ms"> 1007 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 1008 <div class="ct-list-meta"> 1009 <div class="ct-list-desc"> 1010 Establecer las normas para que las entidades mantengan adecuados niveles de patrimonio. </div> 1011 </div> 1012 </div> 1013 <div class="ct-list-item " data-wow-delay="ms"> 1014 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 1015 <div class="ct-list-meta"> 1016 <div class="ct-list-desc"> 1017 Dictar normas que amplÃen los mecanismos de regulación prudencial. </div> 1018 </div> 1019 </div> 1020 <div class="ct-list-item " data-wow-delay="ms"> 1021 <div class="ct-list-icon"><i class="fac fac-check-circle"></i></div> 1022 <div class="ct-list-meta"> 1023 <div class="ct-list-desc"> 1024 Establecer normas tendientes a la prevención del lavado de activos en las entidades. 1025 </div> 1026 </div> 1027 </div> 1028 </div> 1029 </div> 1030 </div> 1031 </div> 1032 <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"> 1033 <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"> 1034 <div class="elementor-widget-container"> 1035 <div class="ct-title1 style1"> 1036 <h3> 1037 <span>Entidades con Régimen Especial</span> 1038 <i></i> 1039 </h3> 1040</div> </div> 1041 </div> 1042 <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"> 1043 <div class="elementor-widget-container"> 1044 <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> 1045 </div> 1046 <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"> 1047 <div class="elementor-widget-container"> 1048 <div class="ct-title1 style1"> 1049 <h3>
1050 <span>Entidades Aseguradoras</span> 1051 <i></i> 1052 </h3> 1053</div> </div> 1054 </div> 1055 <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"> 1056 <div class="elementor-widget-container"> 1057 Lo son las compañÃas y las cooperativas de seguros y de reaseguros. 1058 </div> 1059 </div> 1060 </div> 1061 <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"> 1062 <div class="e-con-inner"> 1063 <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"> 1064 <div class="elementor-widget-container"> 1065 <div class="ct-title1 style1"> 1066 <h3> 1067 <span>Intermediarios de Seguros e Intermediarios de Reaseguros</span> 1068 <i></i> 1069 </h3> 1070</div> </div> 1071 </div> 1072 <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"> 1073 <div class="elementor-widget-container"> 1074 <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> 1075 </div> 1076 <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"> 1077 <div class="elementor-widget-container"> 1078 <div class="ct-title1 style1"> 1079 <h3> 1080 <span>Normas Relativas al funcionamiento de las Instituciones Financieras</span> 1081 <i></i> 1082 </h3> 1083</div> </div> 1084 </div> 1085 <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"> 1086 <div class="elementor-widget-container"> 1087 <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>
1088 </div> 1089 </div> 1090 </div> 1091 </div> 1092 </div> 1093 </div> 1094 </div> 1095 </div> 1096 </div> 1097 <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"}"> 1098 <div class="e-con-inner"> 1099 <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"> 1100 <div class="elementor-widget-container"> 1101 <div id="ct_heading-ca5882a" class="ct-heading h-align-center sub-style1 ct-heading-left item-st-default"> 1102 <div class="ct-item--inner"> 1103 <div class="ct-inline-css" data-css=" 1104 "> 1105 </div> 1106 <h4 class="item--title st-default case-animate-time" data-wow-delay="ms"> 1107 <span class="sp-main"> 1108 1109 Informe Semanal de Regulación 1110 1111 1112 </span> 1113 </h4> 1114 </div> 1115</div> </div> 1116 </div> 1117 <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"> 1118 <div class="elementor-widget-container"> 1119 <div class="elementor-loop-container elementor-grid" role="list"> 1120 <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 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--align-items:flex-start;--margin-top:0px;--margin-bottom:0px;--margin-left:12px;--margin-right:0px;--padding-top:10px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-19676 .elementor-element.elementor-element-a6e6888.e-con{--flex-grow:0;--flex-shrink:0;}.elementor-widget-text-editor{font-family:var( --e-global-typography-text-font-family ), Sans-serif;font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:var( --e-global-color-primary );}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap, .elementor-widget-text-editor.elementor-drop-cap-view-default .elementor-drop-cap{color:var( --e-global-color-primary );border-color:var( --e-global-color-primary );}.elementor-19676 .elementor-element.elementor-element-23c79c1 > .elementor-widget-container{margin:0px 0px 0px 20px;}.elementor-19676 .elementor-element.elementor-element-23c79c1{text-align:center;font-family:"Inter", Sans-serif;font-size:14px;font-weight:400;color:#2D577F;}.elementor-19676 .elementor-element.elementor-element-d2d29ea{--display:flex;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-19676 .elementor-element.elementor-element-15b121c > .elementor-widget-container{background-color:#F05F25;margin:0px 0px 0px 0px;padding:10px 10px 10px 10px;}.elementor-19676 .elementor-element.elementor-element-15b121c.elementor-element{--align-self:flex-end;}.elementor-19676 .elementor-element.elementor-element-15b121c{text-align:end;font-family:"Inter", Sans-serif;font-size:18px;font-weight:600;color:#FFFFFF;}.elementor-19676 .elementor-element.elementor-element-46549f0{--display:flex;--min-height:160px;--flex-direction:column;--container-widget-width:100%;--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--padding-top:0px;--padding-bottom:30px;--padding-left:0px;--padding-right:0px;}.elementor-widget-heading .elementor-heading-title{font-family:var( --e-global-typography-primary-font-family ), Sans-serif;font-weight:var( --e-global-typography-primary-font-weight );color:var( --e-global-color-primary );}.elementor-19676 .elementor-element.elementor-element-359196c > .elementor-widget-container{margin:0px 0px 0px 0px;padding:30px 30px 30px 30px;}.elementor-19676 .elementor-element.elementor-element-359196c .elementor-heading-title{font-family:"Inter", Sans-serif;font-size:16px;font-weight:500;line-height:18px;letter-spacing:-0.3px;color:#2D577F;}.elementor-widget-icon.elementor-view-stacked .elementor-icon{background-color:var( --e-global-color-primary );}.elementor-widget-icon.elementor-view-framed .elementor-icon, .elementor-widget-icon.elementor-view-default .elementor-icon{color:var( --e-global-color-primary );border-color:var( --e-global-color-primary );}.elementor-widget-icon.elementor-view-framed .elementor-icon, .elementor-widget-icon.elementor-view-default .elementor-icon svg{fill:var
1120( --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 */ 1121.mi-contenedor { 1122 position: relative; /* Necesario para que el hijo se posicione dentro */ 1123} 1124 1125/* Icono oculto por defecto */ 1126.mi-contenedor .mi-icono { 1127 bottom: 10px; /* Ajusta según necesites */ 1128 right: 10px; /* O left: 10px; si lo quieres al otro lado */ 1129 opacity: 0; 1130 pointer-events: none; /* para que no bloquee clics cuando esté oculto */ 1131 transition: opacity 0.3s ease; 1132} 1133 1134/* Mostrar icono al hacer hover en el contenedor */ 1135.mi-contenedor:hover .mi-icono { 1136 opacity: 1; 1137 pointer-events: auto; /* ahora sà acepta clics */ 1138}/* End custom CSS */</style> <div data-elementor-type="loop-item" data-elementor-id="19676" class="elementor elementor-19676 e-loop-item e-loop-item-88479 post-88479 semanal_de_regulacio type-semanal_de_regulacio status-publish hentry" data-elementor-post-type="elementor_library" data-custom-edit-handle="1"> 1139 <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"> 1140 <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"}"> 1141 <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"> 1142 <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"> 1143 <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"> 1144 <div class="elementor-widget-container"> 1145 28 septiembre, 2026 </div>
1146 </div> 1147 </div> 1148 <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"> 1149 <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"> 1150 <div class="elementor-widget-container"> 1151 | Edición 1139 | </div> 1152 </div> 1153 </div> 1154 </div> 1155 <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"> 1156 <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"> 1157 <div class="elementor-widget-container"> 1158 <h2 class="elementor-heading-title elementor-size-default">En esta edición encontrará la reseña de las normas publicadas durante el <b><p>21 y el 28 de septiembre de 2026.</p> 1159</b></h2> </div> 1160 </div> 1161 </div> 1162 </div> 1163 <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"> 1164 <div class="elementor-widget-container"> 1165 <div class="elementor-icon-wrapper"> 1166 <a class="elementor-icon" href="https://www.asobancaria.com/wp-content/uploads/2026/09/Informe-Semanal-1139.pdf" target="_blank"> 1167 <i aria-hidden="true" class="material zmdi zmdi-download"></i> </a> 1168 </div> 1169 </div> 1170 </div> 1171 </div> 1172 </div> 1173 <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"> 1174 <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"> 1175 <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"}"> 1176 <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"> 1177 <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"> 1178 <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"> 1179 <div class="elementor-widget-container"> 1180 21 septiembre, 2026 </div> 1181 </div> 1182 </div> 1183 <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"> 1184 <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"> 1185 <div class="elementor-widget-container"> 1186 | Edición 1138 | </div> 1187 </div> 1188 </div> 1189 </div> 1190 <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"> 1191 <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"> 1192 <div class="elementor-widget-container"> 1193 <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> 1194</b></h2> </div>
1195 </div> 1196 </div> 1197 </div> 1198 <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"> 1199 <div class="elementor-widget-container"> 1200 <div class="elementor-icon-wrapper"> 1201 <a class="elementor-icon" href="https://www.asobancaria.com/wp-content/uploads/2026/09/Informe-Semanal-1138.pdf" target="_blank"> 1202 <i aria-hidden="true" class="material zmdi zmdi-download"></i> </a> 1203 </div> 1204 </div> 1205 </div> 1206 </div> 1207 </div> 1208 <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"> 1209 <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"> 1210 <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"}"> 1211 <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"> 1212 <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"> 1213 <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"> 1214 <div class="elementor-widget-container"> 1215 14 septiembre, 2026 </div> 1216 </div> 1217 </div> 1218 <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"> 1219 <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"> 1220 <div class="elementor-widget-container"> 1221 | Edición 1137 | </div> 1222 </div> 1223 </div> 1224 </div> 1225 <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"> 1226 <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"> 1227 <div class="elementor-widget-container"> 1228 <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> 1229</b></h2> </div> 1230 </div> 1231 </div> 1232 </div> 1233 <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"> 1234 <div class="elementor-widget-container"> 1235 <div class="elementor-icon-wrapper"> 1236 <a class="elementor-icon" href="https://www.asobancaria.com/wp-content/uploads/2026/09/Informe-Semanal-1137.pdf" target="_blank"> 1237 <i aria-hidden="true" class="material zmdi zmdi-download"></i> </a> 1238 </div> 1239 </div> 1240 </div> 1241 </div> 1242 </div> 1243 </div> 1244 1245 </div> 1246 </div> 1247 <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"> 1248 <div class="elementor-widget-container"> 1249 <div class="elementor-button-wrapper"> 1250 <a class="elementor-button elementor-button-link elementor-size-sm" href="/informes/informe-semanal-de-regulacion/"> 1251 <span class="elementor-button-content-wrapper"> 1252 <span class="elementor-button-text">Ver todos los informes</span> 1253 </span> 1254 </a> 1255 </div> 1256 </div>
1257 </div> 1258 </div> 1259 </div> 1260 </div> 1261 </div><!-- .entry-content --> 1262</article><!-- #post-5952 --> 1263 </main><!-- #main --> 1264 </div><!-- #primary --> 1265 1266 1267 </div> 1268 </div> 1269 </div><!-- #content inner --> 1270</div><!-- #content --> 1271 1272<footer id="colophon" class="site-footer-custom"> 1273 <div class="footer-custom-inner"> 1274 <div class="container"> 1275 <div class="row"> 1276 <div class="col-12"> 1277 <div data-elementor-type="wp-post" data-elementor-id="4910" class="elementor elementor-4910" data-elementor-post-type="footer"> 1278 <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"}"> 1279 <div class="elementor-background-overlay"></div> 1280 1281 <div class="elementor-container elementor-column-gap-extended "> 1282 <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"> 1283 <div class="elementor-widget-wrap elementor-element-populated"> 1284 1285 <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"> 1286 <div class="elementor-widget-container"> 1287 <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> 1288 </div> 1289 <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"> 1290 <div class="elementor-widget-container"> 1291 <p>Trabajamos para generar oportunidades e impulsar el desarrollo económico y social del paÃs.</p> </div> 1292 </div> 1293 <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"> 1294 <div class="elementor-widget-container"> 1295 <div class="elementor-button-wrapper"> 1296 <a class="elementor-button elementor-button-link elementor-size-sm" href="/nuestra-labor/"> 1297 <span class="elementor-button-content-wrapper"> 1298 <span class="elementor-button-icon"> 1299 <i aria-hidden="true" class="flaticonv7 flaticonv7-arrow-right"></i> </span> 1300 <span class="elementor-button-text">Quiénes somos</span> 1301 </span> 1302 </a> 1303 </div> 1304 </div> 1305 </div> 1306 </div> 1307 </div> 1308 <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"> 1309 <div class="elementor-widget-wrap elementor-element-populated"> 1310 1311 <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"> 1312 <div class="elementor-widget-container"> 1313 <h2 class="elementor-heading-title elementor-size-default">Informes Semanales</h2> </div>
1314 </div> 1315 <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"> 1316 <div class="elementor-widget-container"> 1317 <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> 1318 </div> 1319 <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"> 1320 <div class="elementor-widget-container"> 1321 <div class="elementor-button-wrapper"> 1322 <a class="elementor-button elementor-button-link elementor-size-sm" href="#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6IjI1MjgyIiwidG9nZ2xlIjpmYWxzZX0%3D"> 1323 <span class="elementor-button-content-wrapper"> 1324 <span class="elementor-button-icon"> 1325 <i aria-hidden="true" class="flaticonv5 flaticonv5-email"></i> </span> 1326 <span class="elementor-button-text">SuscrÃbase aquÃ</span> 1327 </span> 1328 </a> 1329 </div> 1330 </div> 1331 </div> 1332 </div> 1333 </div> 1334 <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"> 1335 <div class="elementor-widget-wrap elementor-element-populated"> 1336 1337 <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"> 1338 <div class="elementor-widget-container"> 1339 <h2 class="elementor-heading-title elementor-size-default">Contacto</h2> </div> 1340 </div> 1341 <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"> 1342 <div class="elementor-widget-container"> 1343 <ul id="ct_contact_info-3042213" class="ct-contact-info ct-contact-info1 style1 "> 1344 <div class="ct-inline-css" data-css=" 1345 "> 1346 1347 </div> 1348 <li> 1349 <span class="ct-contact-icon"> 1350 <i aria-hidden="true" class="fas fa-map-marker-alt"></i> </span> 1351 <span class="ct-contact-content"> 1352 Carrera 9 No. 74 - 08 Piso 9 </span> 1353 </li> 1354 <li> 1355 <span class="ct-contact-icon"> 1356 <i aria-hidden="true" class="flaticonv3 flaticonv3-telephone-call"></i> </span> 1357 <span class="ct-contact-content"> 1358 (601) 3266600 </span> 1359 </li> 1360 </ul> 1361 </div> 1362 </div> 1363 <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"> 1364 <div class="elementor-widget-container"> 1365 <div class="ct-icon1 style1 " data-wow-delay="ms"> 1366 <a href="https://www.facebook.com/Asobancaria"> 1367 <i aria-hidden="true" class="fab fa-facebook-f"></i> </a> 1368 <a href="https://www.instagram.com/asobancariaco/"> 1369 <i aria-hidden="true" class="fab fa-instagram"></i> </a> 1370 <a href="https://x.com/asobancaria"> 1371 <i aria-hidden="true" class="fab fa-x-twitter"></i> </a> 1372 <a href="https://www.linkedin.com/company/asobancaria"> 1373 <i aria-hidden="true" class="material zmdi zmdi-linkedin-box"></i> </a> 1374 <a href="https://www.youtube.com/channel/UC0CxohYb
1374ntZf2bwapnUC3QA"> 1375 <i aria-hidden="true" class="material zmdi zmdi-youtube-play"></i> </a> 1376 </div> 1377 </div> 1378 </div> 1379 </div> 1380 </div> 1381 </div> 1382 </section> 1383 <section class="elementor-section elementor-top-section elementor-element elementor-element-5d772a19 elementor-section-stretched elementor-section-boxed elementor-section-height-default elementor-section-height-default ct-header-fixed-none ct-row-max-none" data-id="5d772a19" data-element_type="section" data-e-type="section" data-settings="{"stretch_section":"section-stretched","background_background":"classic"}"> 1384 1385 <div class="elementor-container elementor-column-gap-default "> 1386 <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cf952e9" data-id="cf952e9" data-element_type="column" data-e-type="column"> 1387 <div class="elementor-widget-wrap elementor-element-populated"> 1388 1389 <div class="elementor-element elementor-element-70c2bf4 elementor-widget elementor-widget-ct_text_editor" data-id="70c2bf4" data-element_type="widget" data-e-type="widget" data-widget_type="ct_text_editor.default"> 1390 <div class="elementor-widget-container"> 1391 <div id="ct_text_editor-70c2bf4" class="ct-text-editor " data-wow-delay="ms"> 1392 <div class="ct-item--inner"> 1393 <div class="ct-inline-css" data-css=" 1394 "> 1395 1396 </div> 1397 <div class="ct-text-editor elementor-clearfix"> 1398 <p>©Copyright Asobancaria 2026</p> 1399 </div> 1400 </div> 1401</div> </div> 1402 </div> 1403 </div> 1404 </div> 1405 <div class="elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-cf94f7b" data-id="cf94f7b" data-element_type="column" data-e-type="column"> 1406 <div class="elementor-widget-wrap elementor-element-populated"> 1407 1408 <div class="elementor-element elementor-element-3bfd42e elementor-widget elementor-widget-ct_text_editor" data-id="3bfd42e" data-element_type="widget" data-e-type="widget" data-widget_type="ct_text_editor.default"> 1409 <div class="elementor-widget-container"> 1410 <div id="ct_text_editor-3bfd42e" class="ct-text-editor " data-wow-delay="ms"> 1411 <div class="ct-item--inner"> 1412 <div class="ct-inline-css" data-css=" 1413 "> 1414 1415 </div> 1416 <div class="ct-text-editor elementor-clearfix"> 1417 <a href="/politica-de-tratamiento-de-datos-y-privacidad/" target="_blank" rel="nofollow noopener">PolÃtica de privacidad</a> 1418 </div> 1419 </div> 1420</div> </div> 1421 </div> 1422 </div> 1423 </div> 1424 </div> 1425 </section> 1426 </div> 1427 </div> 1428 </div> 1429 </div> 1430 </div> 1431 <span class="ct-footer-year">2026</span> 1432</footer> <a href="#" class="scroll-top"><i class="zmdi zmdi-long-arrow-up"></i></a> 1433 1434</div><!-- #page --> 1435 <div class="ct-modal ct-modal-search"> 1436 <div class="ct-modal-close"><i class="ct-icon-close ct-center"></i></div> 1437 <div class="ct-modal-overlay"></div> 1438 <div class="ct-modal-content"> 1439 <form role="search" method="get" class="search-form-popup" action="https://www.asobancaria.com/"> 1440 <div class="searchform-wrap"> 1441 <input type="text" placeholder="Buscar" id="search" name="s" class="search-field" /> 1442 <button type="submit" class="search-submit"><i class="zmdi zmdi-search"></i></button> 1443 </div> 1444 </form> 1445 </div> 1446 </div> 1447 1448 <div id="ct-mouse-move" style="display: none;"> 1449 <div class="circle-cursor circle-cursor--outer"></div> 1450 <div class="circle-cursor circle-cursor--inner"></div> 1451 </div> 1452 <div class="ct-header-elementor-popup"> 1453 <div class="ct-close"><i class="ct-icon-close ct-center"></i></div> 1454 <div class="ct-header-popup-inner"> 1455 <div class="ct-header-popup-scroll"> 1456 <div class="ct-header-popup-main"> 1457 <div class="elementor-popup-social"> 1458 <a href="#" target="_blank"><i class="fab fac-tripadvisor"></i></a><a href="#" target="_blank"><i class="fab fac-twitter"></i></a><a href="#" target="_blank"><i class="fab fac-instagram"></i></a> </div> 1459 </div> 1460 </div> 1461 </div> 1462 </div> 1463 1464<div id="um_upload_single" style="display:none;"></div> 1465 1466<div id="um_view_photo" style="display:none;"> 1467 <a href="javascript:void(0);" data-action="um_remove_modal" class="um-modal-close" aria-label="Cerrar la vista emergente de la foto"> 1468 <i class="um-faicon-times"></i> 1469 </a> 1470 1471 <div class="um-modal-body photo"> 1472 <div class="um-modal-photo"></div> 1473 </div> 1474</div>
1475<script type="speculationrules"> 1476{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"/*"},{"not":{"href_matches":["/wp-*.php","/wp-admin/*","/wp-content/uploads/*","/wp-content/*","/wp-content/plugins/*","/wp-content/themes/consultio-child/*","/wp-content/themes/consultio/*","/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} 1477</script>
vendor: 1 bytes, line 1477
1477
1478<script> 1479window.addEventListener("load", function() { 1480 var field = document.querySelector('input[name="page_title"]'); 1481 if(field){ 1482 field.value = document.title; 1483 } 1484}); 1485</script>
1485 1486
1486<script type="text/javascript"> 1487 jQuery( function($) { 1488 if ( typeof wc_add_to_cart_params === 'undefined' ) 1489 return false; 1490 1491 $(document.body).on( 'added_to_cart', function( event, fragments, cart_hash, $button ) { 1492 var $pid = $button.data('product_id'); 1493 1494 $.ajax({ 1495 type: 'POST', 1496 url: wc_add_to_cart_params.ajax_url, 1497 data: { 1498 'action': 'item_added', 1499 'id' : $pid 1500 }, 1501 success: function (response) { 1502 $('.ct-widget-cart-wrap').addClass('open'); 1503 } 1504 }); 1505 }); 1506 }); 1507 </script>
1507 1508 <div data-elementor-type="popup" data-elementor-id="25282" class="elementor elementor-25282 elementor-location-popup" data-elementor-settings="{"a11y_navigation":"yes","triggers":[],"timing":[]}" data-elementor-post-type="elementor_library"> 1509 <div class="elementor-element elementor-element-df6721c e-flex e-con-boxed e-con e-parent" data-id="df6721c" data-element_type="container" data-e-type="container" data-settings="{"background_background":"classic"}"> 1510 <div class="e-con-inner"> 1511 <div class="elementor-element elementor-element-75263f5 elementor-widget elementor-widget-heading" data-id="75263f5" data-element_type="widget" data-e-type="widget" data-widget_type="heading.default"> 1512 <div class="elementor-widget-container"> 1513 <h2 class="elementor-heading-title elementor-size-default">Suscripción semanarios</h2> </div> 1514 </div> 1515 <div class="elementor-element elementor-element-8bbf8fb elementor-widget elementor-widget-text-editor" data-id="8bbf8fb" data-element_type="widget" data-e-type="widget" data-widget_type="text-editor.default"> 1516 <div class="elementor-widget-container"> 1517 <p>Ingrese su correo y suscrÃbase a nuestro Semanarios para estar al dÃa en la actualidad económica de Colombia.</p> </div> 1518 </div> 1519 <div class="elementor-element elementor-element-b0bab2c elementor-widget elementor-widget-ct_ctf7" data-id="b0bab2c" data-element_type="widget" data-e-type="widget" data-widget_type="ct_ctf7.default"> 1520 <div class="elementor-widget-container"> 1521 <div class="ct-contact-form-layout1 style1 "> 1522 <div class="ct-contact-form-inner"> 1523 <div class="ct-contact-form"> 1524 1525<div class="wpcf7 no-js" id="wpcf7-f26222-o1" lang="en-US" dir="ltr" data-wpcf7-id="26222"> 1526<div class="screen-reader-response"><p role="status" aria-live="polite" aria-atomic="true"></p> <ul></ul></div> 1527<form action="/normatividad/#wpcf7-f26222-o1" method="post" class="wpcf7-form init cf7mls-no-scroll cf7mls-auto-return-first-step cf7mls-no-moving-animation" aria-label="Contact form" novalidate="novalidate" data-status="init"> 1528<fieldset class="hidden-fields-container"><input type="hidden" name="_wpcf7" value="26222" /><input type="hidden" name="_wpcf7_version" value="6.1.5" /><input type="hidden" name="_wpcf7_locale" value="en_US" /><input type="hidden" name="_wpcf7_unit_tag" value="wpcf7-f26222-o1" /><input type="hidden" name="_wpcf7_container_post" value="0" /><input type="hidden" name="_wpcf7_posted_data_hash" value="" /><input type="hidden" name="_wpcf7cf_hidden_group_fields" value="[]" /><input type="hidden" name="_wpcf7cf_hidden_groups" value="[]" /><input type="hidden" name="_wpcf7cf_visible_groups" value="[]" /><input type="hidden" name="_wpcf7cf_repeaters" value="[]" /><input type="hidden" name="_wpcf7cf_steps" value="{}" /><input type="hidden" name="_wpcf7cf_options" value="{"form_id":26222,"conditions":[],"settings":{"animation":"yes","animation_intime":200,"animation_outtime":200,"conditions_ui":"normal","notice_dismissed":false,"notice_dismissed_update-cf7-6.1.2":true}}" /><input type="hidden" name="pagina" value="Normatividad" /> 1529</fieldset> 1530<div id="responsive-form" class="clearfix"> 1531 <div class="form-row"> 1532 <div class="column-full em"> 1533 <p><label style="color:#fff">Email*</label><br /> 1534<span class="wpcf7-form-control-wrap" data-name="email"><input size="40" maxlength="400" class="wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email" aria-required="true" aria-invalid="false" value="" type="email" name="email" /></span> 1535 </p> 1536 </div> 1537 <div class="column-full"> 1538 <p><label style="color:#fff">Informe que desea recibir*</label><br /> 1539<span class="wpcf7-form-control-wrap" data-name="Informe"><span class="wpcf7-form-control wpcf7-checkbox wpcf7-validates-as-required"><span class="wpcf7-list-item first"><label><input type="checkbox" name="Informe[]" value="Banca y EconomÃa" /><span class="wpcf7-list-item-label">Banca y EconomÃa</span></label></span><span class="wpcf7-list-item last"><label><input type="checkbox" name="Informe[]" value="Informe semanal de Regulación" /><span class="wpcf7-list-item-label">Informe semanal de Regulación</span></label></span></span></span> 1540 </p> 1541 </div> 1542 <div class="column-half"> 1543 <p><span class="wpcf7-form-control-wrap" data-name="termino-privacidad"><span class="wpcf7-form-control wpcf7-acceptance"><span class="wpcf7-list-item"><label><input type="checkbox" name="termino-privacidad" value="1" aria-invalid="false" /><span class="wpcf7-list-item-label"><span style="color:#fff"> Estoy de acuerdo con la </span> <a style="color:#febe10" href="/politica-de-tratamiento-de-datos-y-privacidad/" target="blank">PolÃtica de Privacidad</a></span></label></span></span></span> 1544 </p> 1545 </div> 1546 <div class="column-half"> 1547 <p><input class="wpcf7-form-control wpcf7-submit has-spinner enviar" type="submit" value="Suscribirme" /> 1548 </p> 1549 </div> 1550 </div> 1551</div><div class="wpcf7-response-output" aria-hidden="true"></div> 1552</form> 1553</div> 1554 </div> 1555 </div> 1556 </div> 1557 </div>
1558 </div> 1559 </div> 1560 </div> 1561 </div> 1562 <div data-elementor-type="popup" data-elementor-id="28492" class="elementor elementor-28492 elementor-location-popup" data-elementor-settings="{"a11y_navigation":"yes","triggers":{"page_load":"yes","page_load_delay":0},"timing":[]}" data-elementor-post-type="elementor_library"> 1563 <div class="elementor-element elementor-element-5f5cd6a e-flex e-con-boxed e-con e-parent" data-id="5f5cd6a" data-element_type="container" data-e-type="container"> 1564 <div class="e-con-inner"> 1565 <div class="elementor-element elementor-element-5b3ca24 elementor-widget elementor-widget-html" data-id="5b3ca24" data-element_type="widget" data-e-type="widget" data-widget_type="html.default"> 1566 <div class="elementor-widget-container"> 1567 <iframe width="560" height="315" src="https://www.youtube.com/embed/2Cb_EX5Z4T0?si=kJ7GBvpCEZVTxapd" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" referrerpolicy="strict-origin-when-cross-origin" allowfullscreen></iframe> </div> 1568 </div> 1569 </div> 1570 </div> 1571 </div> 1572 <div class="wpc-filters-overlay"></div> 1573
1573<script> 1574 const lazyloadRunObserver = () => { 1575 const lazyloadBackgrounds = document.querySelectorAll( `.e-con.e-parent:not(.e-lazyloaded)` ); 1576 const lazyloadBackgroundObserver = new IntersectionObserver( ( entries ) => { 1577 entries.forEach( ( entry ) => { 1578 if ( entry.isIntersecting ) { 1579 let lazyloadBackground = entry.target; 1580 if( lazyloadBackground ) { 1581 lazyloadBackground.classList.add( 'e-lazyloaded' ); 1582 } 1583 lazyloadBackgroundObserver.unobserve( entry.target ); 1584 } 1585 }); 1586 }, { rootMargin: '200px 0px 200px 0px' } ); 1587 lazyloadBackgrounds.forEach( ( lazyloadBackground ) => { 1588 lazyloadBackgroundObserver.observe( lazyloadBackground ); 1589 } ); 1590 }; 1591 const events = [ 1592 'DOMContentLoaded', 1593 'elementor/lazyload/observe', 1594 ]; 1595 events.forEach( ( event ) => { 1596 document.addEventListener( event, lazyloadRunObserver ); 1597 } ); 1598 </script>
1598 1599
1599<script>SR7.E.php.warnings = {"getArrSliders":"get_sliders","getAlias":"get_alias","getTitle":"get_title"};</script>
1599 1600
1600<script type='text/javascript'> 1601 (function () { 1602 var c = document.body.className; 1603 c = c.replace(/woocommerce-no-js/, 'woocommerce-js'); 1604 document.body.className = c; 1605 })(); 1606 </script>
1606 1607 <link rel='stylesheet' id='wc-blocks-style-css' href='https://www.asobancaria.com/wp-content/plugins/woocommerce/assets/client/blocks/wc-blocks.css?ver=wc-10.5.2' type='text/css' media='all' /> 1608<link rel="preload" as="style" href="https://fonts.googleapis.com/css?family=Inter:100,200,300,400,500,600,700,800,900,100italic,200italic,300italic,400italic,500italic,600italic,700italic,800italic,900italic&display=swap&ver=6.9.9" /><link rel="stylesheet" href="https://fonts.googleapis.com/css?family=Inter:100,200,300,400,500,600,700,800,900,100italic,200italic,300italic,400italic,500italic,600italic,700italic,800italic,900italic&display=swap&ver=6.9.9" media="print" onload="this.media='all'"><noscript><link rel="stylesheet" href="https://fonts.googleapis.com/css?family=Inter:100,200,300,400,500,600,700,800,900,100italic,200italic,300italic,400italic,500italic,600italic,700italic,800italic,900italic&display=swap&ver=6.9.9" /></noscript><link rel='stylesheet' id='elementor-post-4910-css' href='https://www.asobancaria.com/wp-content/uploads/elementor/css/post-4910.css?ver=1790194917' type='text/css' media='all' /> 1609<link rel='stylesheet' id='elementor-gf-local-poppins-css' href='https://new.asobancaria.com/wp-content/uploads/elementor/google-fonts/css/poppins.css?ver=1754496276' type='text/css' media='all' /> 1610<link rel='stylesheet' id='elementor-icons-shared-0-css' href='https://www.asobancaria.com/wp-content/plugins/elementor/assets/lib/font-awesome/css/fontawesome.min.css?ver=5.15.3' type='text/css' media='all' /> 1611<link rel='stylesheet' id='elementor-icons-fa-solid-css' href='https://www.asobancaria.com/wp-content/plugins/elementor/assets/lib/font-awesome/css/solid.min.css?ver=5.15.3' type='text/css' media='all' /> 1612<link rel='stylesheet' id='elementor-icons-fa-brands-css' href='https://www.asobancaria.com/wp-content/plugins/elementor/assets/lib/font-awesome/css/brands.min.css?ver=5.15.3' type='text/css' media='all' />
1613<script type="text/javascript" id="wapf-frontend-js-js-extra"> 1614/* <![CDATA[ */ 1615var wapf_config = {"page_type":"other"}; 1616//# sourceURL=wapf-frontend-js-js-extra 1617/* ]]> */ 1618</script>
vendor: 1 bytes, line 1618
1618
1619<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/advanced-product-fields-for-woocommerce/assets/js/frontend.min.js?ver=1.7.1" id="wapf-frontend-js-js"></script>
vendor: 1 bytes, line 1619
1619
1620<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/case-theme-core/assets/js/main.js?ver=1.0.0" id="ct-core-main-js"></script>
vendor: 1 bytes, line 1620
1620
1621<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/case-theme-user/acess/js/notify.min.js?ver=1.0.0" id="notify-js"></script>
vendor: 1 bytes, line 1621
1621
1622<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/case-theme-user/acess/js/remodal.min.js?ver=1.0.0" id="remodal-js"></script>
vendor: 1 bytes, line 1622
1622
1623<script type="text/javascript" id="ct-user-form-js-extra"> 1624/* <![CDATA[ */ 1625var casethemesuser = {"ajax":"https://www.asobancaria.com/wp-admin/admin-ajax.php","nonce":"73047c5821"}; 1626//# sourceURL=ct-user-form-js-extra 1627/* ]]> */ 1628</script>
vendor: 1 bytes, line 1628
1628
1629<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/case-theme-user/acess/js/ct-user-form.js?ver=1.0.0" id="ct-user-form-js"></script>
vendor: 1 bytes, line 1629
1629
1630<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/dist/hooks.min.js?ver=dd5603f07f9220ed27f1" id="wp-hooks-js"></script>
vendor: 1 bytes, line 1630
1630
1631<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/dist/i18n.min.js?ver=c26c3dc7bed366793375" id="wp-i18n-js"></script>
vendor: 1 bytes, line 1631
1631
1632<script type="text/javascript" id="wp-i18n-js-after"> 1633/* <![CDATA[ */ 1634wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } ); 1635//# sourceURL=wp-i18n-js-after 1636/* ]]> */ 1637</script>
vendor: 1 bytes, line 1637
1637
1638<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/contact-form-7/includes/swv/js/index.js?ver=6.1.5" id="swv-js"></script>
vendor: 1 bytes, line 1638
1638
1639<script type="text/javascript" id="contact-form-7-js-translations"> 1640/* <![CDATA[ */ 1641( function( domain, translations ) { 1642 var localeData = translations.locale_data[ domain ] || translations.locale_data.messages; 1643 localeData[""].domain = domain; 1644 wp.i18n.setLocaleData( localeData, domain ); 1645} )( "contact-form-7", {"translation-revision-date":"2024-08-29 02:27:53+0000","generator":"GlotPress\/4.0.1","domain":"messages","locale_data":{"messages":{"":{"domain":"messages","plural-forms":"nplurals=2; plural=n != 1;","lang":"es_CO"},"This contact form is placed in the wrong place.":["Este formulario de contacto est\u00e1 situado en el lugar incorrecto."],"Error:":["Error:"]}},"comment":{"reference":"includes\/js\/index.js"}} ); 1646//# sourceURL=contact-form-7-js-translations 1647/* ]]> */ 1648</script>
vendor: 1 bytes, line 1648
1648
1649<script type="text/javascript" id="contact-form-7-js-before"> 1650/* <![CDATA[ */ 1651var wpcf7 = { 1652 "api": { 1653 "root": "https:\/\/www.asobancaria.com\/wp-json\/", 1654 "namespace": "contact-form-7\/v1" 1655 }, 1656 "cached": 1 1657}; 1658//# sourceURL=contact-form-7-js-before 1659/* ]]> */ 1660</script>
vendor: 1 bytes, line 1660
1660
1661<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/contact-form-7/includes/js/index.js?ver=6.1.5" id="contact-form-7-js"></script>
vendor: 1 bytes, line 1661
1661
1662<script type="text/javascript" id="cf7mls-js-extra"> 1663/* <![CDATA[ */ 1664var cf7mls_object = {"ajax_url":"https://www.asobancaria.com/wp-json/","is_rtl":"","disable_submit":"true","cf7mls_error_message":"","scroll_step":"true","scroll_first_error":"true","disable_enter_key":"false","check_step_before_submit":"true"}; 1665//# sourceURL=cf7mls-js-extra 1666/* ]]> */ 1667</script>
vendor: 1 bytes, line 1667
1667
1668<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ninjateam-cf7-multi-step-pro/assets/frontend/js/cf7mls.js?ver=2.7.9" id="cf7mls-js"></script>
vendor: 1 bytes, line 1668
1668
1669<script type="text/javascript" id="dlm-xhr-js-extra"> 1670/* <![CDATA[ */ 1671var dlmXHRtranslations = {"error":"An error occurred while trying to download the file. Please try again.","not_found":"Download does not exist.","no_file_path":"No file path defined.","no_file_paths":"No file paths defined.","filetype":"Download is not allowed for this file type.","file_access_denied":"Access denied to this file.","access_denied":"Access denied. You do not have permission to download this file.","security_error":"Something is wrong with the file path.","file_not_found":"File not found."}; 1672//# sourceURL=dlm-xhr-js-extra 1673/* ]]> */ 1674</script>
vendor: 1 bytes, line 1674
1674
1675<script type="text/javascript" id="dlm-xhr-js-before"> 1676/* <![CDATA[ */ 1677const dlmXHR = {"xhr_links":{"class":["download-link","download-button"]},"prevent_duplicates":true,"ajaxUrl":"https:\/\/www.asobancaria.com\/wp-admin\/admin-ajax.php"}; dlmXHRinstance = {}; const dlmXHRGlobalLinks = "https://www.asobancaria.com/download/"; const dlmNonXHRGlobalLinks = []; dlmXHRgif = "https://www.asobancaria.com/wp-includes/images/spinner.gif"; const dlmXHRProgress = "1" 1678//# sourceURL=dlm-xhr-js-before 1679/* ]]> */ 1680</script>
vendor: 1 bytes, line 1680
1680
1681<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/download-monitor/assets/js/dlm-xhr.min.js?ver=5.1.12" id="dlm-xhr-js"></script>
vendor: 1 bytes, line 1681
1681
1682<script type="text/javascript" id="graphina-public-js-extra"> 1683/* <![CDATA[ */ 1684var gcfe_public_localize = {"ajaxurl":"https://www.asobancaria.com/wp-admin/admin-ajax.php","nonce":"d971f306f6","tree_nonce":"34c42a5362","table_nonce":"82ab1c36e7","locale_with_hyphen":"en","graphinaChartSettings":[],"view_port":"off","enable_chart_filter":"off","no_data_available":"No Data Available","provinceSupportedCountries":["US","CA","MX","BR","AR","DE","IT","ES","GB","AU","IN","CN","JP","RU","FR"],"loading_btn":"Loading...","i18n":{"swal_are_you_sure_text":"Are you sure?","swal_revert_this_text":"You would not be able to revert this!","swal_delete_text":"Yes, delete it!","swal_ok_text":"OK","save_btn":"Save Setting","enable_all_btn":"Enable All","disable_all_btn":"Disable All","test_btn":"Test DB Setting","loading_btn":"Loading...","connecting_btn":"Connecting...","apply_filter":"Apply Filter"}}; 1685//# sourceURL=graphina-public-js-extra 1686/* ]]> */ 1687</script>
vendor: 1 bytes, line 1687
1687
1688<script type="module" src="https://www.asobancaria.com/wp-content/plugins/graphina-elementor-charts-and-graphs/dist/publicMain.js?ver=3.1.9" id="graphina-public-js"></script>
vendor: 1 bytes, line 1688
1688
1689<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/bootstrap.min.js?ver=4.0.0" id="bootstrap-js"></script>
vendor: 1 bytes, line 1689
1689
1690<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/nice-select.min.js?ver=all" id="nice-select-js"></script>
vendor: 1 bytes, line 1690
1690
1691<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/match-height-min.js?ver=1.0.0" id="match-height-js"></script>
vendor: 1 bytes, line 1691
1691
1692<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/magnific-popup.min.js?ver=1.0.0" id="magnific-popup-js"></script>
vendor: 1 bytes, line 1692
1692
1693<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/progressbar.min.js?ver=1.0.0" id="progressbar-js"></script>
vendor: 1 bytes, line 1693
1693
1694<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/wow.min.js?ver=1.0.0" id="wow-js"></script>
vendor: 1 bytes, line 1694
1694
1695<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/jquery/ui/core.min.js?ver=1.13.3" id="jquery-ui-core-js"></script>
vendor: 1 bytes, line 1695
1695
1696<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/jquery/ui/mouse.min.js?ver=1.13.3" id="jquery-ui-mouse-js"></script>
vendor: 1 bytes, line 1696
1696
1697<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/jquery/ui/slider.min.js?ver=1.13.3" id="jquery-ui-slider-js"></script>
vendor: 1 bytes, line 1697
1697
1698<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/main.js?ver=3.2.4" id="consultio-main-js"></script>
vendor: 1 bytes, line 1698
1698
1699<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/woocommerce/woocommerce.js?ver=3.2.4" id="consultio-woocommerce-js"></script>
vendor: 1 bytes, line 1699
1699
1700<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/elementor/assets/js/webpack.runtime.min.js?ver=3.35.5" id="elementor-webpack-runtime-js"></script>
vendor: 1 bytes, line 1700
1700
1701<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/elementor/assets/js/frontend-modules.min.js?ver=3.35.5" id="elementor-frontend-modules-js"></script>
vendor: 1 bytes, line 1701
1701
1702<script type="text/javascript" id="elementor-frontend-js-before"> 1703/* <![CDATA[ */ 1704var elementorFrontendConfig = {"environmentMode":{"edit":false,"wpPreview":false,"isScriptDebug":false},"i18n":{"shareOnFacebook":"Compartir en Facebook","shareOnTwitter":"Compartir en Twitter","pinIt":"Pinear","download":"Descargar","downloadImage":"Descargar imagen","fullscreen":"Pantalla completa","zoom":"Zoom","share":"Compartir","playVideo":"Reproducir v\u00eddeo","previous":"Anterior","next":"Siguiente","close":"Cerrar","a11yCarouselPrevSlideMessage":"Previous slide","a11yCarouselNextSlideMessage":"Next slide","a11yCarouselFirstSlideMessage":"This is the first slide","a11yCarouselLastSlideMessage":"This is the last slide","a11yCarouselPaginationBulletMessage":"Go to slide"},"is_rtl":false,"breakpoints":{"xs":0,"sm":480,"md":768,"lg":1025,"xl":1440,"xxl":1600},"responsive":{"breakpoints":{"mobile":{"label":"Mobile Portrait","value":767,"default_value":767,"direction":"max","is_enabled":true},"mobile_extra":{"label":"Mobile Landscape","value":880,"default_value":880,"direction":"max","is_enabled":false},"tablet":{"label":"Tablet Portrait","value":1024,"default_value":1024,"direction":"max","is_enabled":true},"tablet_extra":{"label":"Tablet Landscape","value":1200,"default_value":1200,"direction":"max","is_enabled":false},"laptop":{"label":"Port\u00e1til","value":1366,"default_value":1366,"direction":"max","is_enabled":false},"widescreen":{"label":"Pantalla grande","value":2400,"default_value":2400,"direction":"min","is_enabled":false}},"hasCustomBreakpoints":false},"version":"3.35.5","is_static":false,"experimentalFeatures":{"additional_custom_breakpoints":true,"container":true,"theme_builder_v2":true,"nested-elements":true,"home_screen":true,"global_classes_should_enforce_capabilities":true,"e_variables":true,"cloud-library":true,"e_opt_in_v4_page":true,"e_components":true,"e_interactions":true,"e_editor_one":true,"import-export-customization":true,"e_pro_variables":true},"urls":{"assets":"https:\/\/www.asobancaria.com\/wp-content\/plugins\/elementor\/assets\/","ajaxurl":"https:\/\/www.asobancaria.com\/wp-admin\/admin-ajax.php","uploadUrl":"https:\/\/www.asobancaria.com\/wp-content\/uploads"},"nonces":{"floatingButtonsClickTracking":"5cef90c62e"},"swiperClass":"swiper","settings":{"page":[],"editorPreferences":[]},"kit":{"active_breakpoints":["viewport_mobile","viewport_tablet"],"global_image_lightbox":"yes","lightbox_enable_counter":"yes","lightbox_enable_fullscreen":"yes","lightbox_enable_zoom":"yes","lightbox_enable_share":"yes","lightbox_title_src":"title","lightbox_description_src":"description","woocommerce_notices_elements":[]},"post":{"id":5952,"title":"Normatividad%20-%20Asobancaria","excerpt":"","featuredImage":false}}; 1705//# sourceURL=elementor-frontend-js-before 1706/* ]]> */ 1707</script>
vendor: 1 bytes, line 1707
1707
1708<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/elementor/assets/js/frontend.min.js?ver=3.35.5" id="elementor-frontend-js"></script>
vendor: 1 bytes, line 1708
1708
1709<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/libs/gsap.min.js?ver=3.5.0" id="gsap-js"></script>
vendor: 1 bytes, line 1709
1709
1710<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/libs/scroll-trigger.js?ver=3.10.5" id="pxl-scroll-trigger-js"></script>
vendor: 1 bytes, line 1710
1710
1711<script type="text/javascript" src="https://www.asobancaria.com/wp-content/themes/consultio/assets/js/libs/split-text.js?ver=3.6.1" id="pxl-splitText-js"></script>
vendor: 1 bytes, line 1711
1711
1712<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/imagesloaded.min.js?ver=5.0.0" id="imagesloaded-js"></script>
vendor: 1 bytes, line 1712
1712
1713<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/woocommerce/assets/js/sourcebuster/sourcebuster.min.js?ver=10.5.2" id="sourcebuster-js-js"></script>
vendor: 1 bytes, line 1713
1713
1714<script type="text/javascript" id="wc-order-attribution-js-extra"> 1715/* <![CDATA[ */ 1716var wc_order_attribution = {"params":{"lifetime":1.0e-5,"session":30,"base64":false,"ajaxurl":"https://www.asobancaria.com/wp-admin/admin-ajax.php","prefix":"wc_order_attribution_","allowTracking":true},"fields":{"source_type":"current.typ","referrer":"current_add.rf","utm_campaign":"current.cmp","utm_source":"current.src","utm_medium":"current.mdm","utm_content":"current.cnt","utm_id":"current.id","utm_term":"current.trm","utm_source_platform":"current.plt","utm_creative_format":"current.fmt","utm_marketing_tactic":"current.tct","session_entry":"current_add.ep","session_start_time":"current_add.fd","session_pages":"session.pgs","session_count":"udata.vst","user_agent":"udata.uag"}}; 1717//# sourceURL=wc-order-attribution-js-extra 1718/* ]]> */ 1719</script>
vendor: 1 bytes, line 1719
1719
1720<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/woocommerce/assets/js/frontend/order-attribution.min.js?ver=10.5.2" id="wc-order-attribution-js"></script>
vendor: 1 bytes, line 1720
1720
1721<script type="text/javascript" id="wpcf7cf-scripts-js-extra"> 1722/* <![CDATA[ */ 1723var wpcf7cf_global_settings = {"ajaxurl":"https://www.asobancaria.com/wp-admin/admin-ajax.php"}; 1724//# sourceURL=wpcf7cf-scripts-js-extra 1725/* ]]> */ 1726</script>
vendor: 1 bytes, line 1726
1726
1727<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/cf7-conditional-fields/js/scripts.js?ver=2.6.8" id="wpcf7cf-scripts-js"></script>
vendor: 1 bytes, line 1727
1727
1728<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/underscore.min.js?ver=1.13.7" id="underscore-js"></script>
vendor: 1 bytes, line 1728
1728
1729<script type="text/javascript" id="wp-util-js-extra"> 1730/* <![CDATA[ */ 1731var _wpUtilSettings = {"ajax":{"url":"/wp-admin/admin-ajax.php"}}; 1732//# sourceURL=wp-util-js-extra 1733/* ]]> */ 1734</script>
vendor: 1 bytes, line 1734
1734
1735<script type="text/javascript" src="https://www.asobancaria.com/wp-includes/js/wp-util.min.js?ver=6.9.9" id="wp-util-js"></script>
vendor: 1 bytes, line 1735
1735
1736<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/tipsy/tipsy.min.js?ver=1.0.0a" id="um_tipsy-js"></script>
vendor: 1 bytes, line 1736
1736
1737<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/um-confirm/um-confirm.min.js?ver=1.0" id="um_confirm-js"></script>
vendor: 1 bytes, line 1737
1737
1738<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/pickadate/picker.min.js?ver=3.6.2" id="um_datetime-js"></script>
vendor: 1 bytes, line 1738
1738
1739<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/pickadate/picker.date.min.js?ver=3.6.2" id="um_datetime_date-js"></script>
vendor: 1 bytes, line 1739
1739
1740<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/pickadate/picker.time.min.js?ver=3.6.2" id="um_datetime_time-js"></script>
vendor: 1 bytes, line 1740
1740
1741<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/pickadate/translations/es_ES.min.js?ver=3.6.2" id="um_datetime_locale-js"></script>
vendor: 1 bytes, line 1741
1741
1742<script type="text/javascript" id="um_common-js-extra"> 1743/* <![CDATA[ */ 1744var um_common_variables = {"locale":"es_CO"}; 1745var um_common_variables = {"locale":"es_CO"}; 1746//# sourceURL=um_common-js-extra 1747/* ]]> */ 1748</script>
vendor: 1 bytes, line 1748
1748
1749<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/common.min.js?ver=2.11.2" id="um_common-js"></script>
vendor: 1 bytes, line 1749
1749
1750<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/cropper/cropper.min.js?ver=1.6.1" id="um_crop-js"></script>
vendor: 1 bytes, line 1750
1750
1751<script type="text/javascript" id="um_frontend_common-js-extra"> 1752/* <![CDATA[ */ 1753var um_frontend_common_variables = []; 1754//# sourceURL=um_frontend_common-js-extra 1755/* ]]> */ 1756</script>
vendor: 1 bytes, line 1756
1756
1757<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/common-frontend.min.js?ver=2.11.2" id="um_frontend_common-js"></script>
vendor: 1 bytes, line 1757
1757
1758<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/um-modal.min.js?ver=2.11.2" id="um_modal-js"></script>
vendor: 1 bytes, line 1758
1758
1759<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/jquery-form/jquery-form.min.js?ver=2.11.2" id="um_jquery_form-js"></script>
vendor: 1 bytes, line 1759
1759
1760<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/fileupload/fileupload.js?ver=2.11.2" id="um_fileupload-js"></script>
vendor: 1 bytes, line 1760
1760
1761<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/um-functions.min.js?ver=2.11.2" id="um_functions-js"></script>
vendor: 1 bytes, line 1761
1761
1762<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/um-responsive.min.js?ver=2.11.2" id="um_responsive-js"></script>
vendor: 1 bytes, line 1762
1762
1763<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/um-conditional.min.js?ver=2.11.2" id="um_conditional-js"></script>
vendor: 1 bytes, line 1763
1763
1764<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/select2/select2.full.min.js?ver=4.0.13" id="select2-js"></script>
vendor: 1 bytes, line 1764
1764
1765<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/select2/i18n/es.js?ver=4.0.13" id="um_select2_locale-js"></script>
vendor: 1 bytes, line 1765
1765
1766<script type="text/javascript" id="um_raty-js-translations"> 1767/* <![CDATA[ */ 1768( function( domain, translations ) { 1769 var localeData = translations.locale_data[ domain ] || translations.locale_data.messages; 1770 localeData[""].domain = domain; 1771 wp.i18n.setLocaleData( localeData, domain ); 1772} )( "ultimate-member", {"translation-revision-date":"2025-12-13 04:44:23+0000","generator":"GlotPress\/4.0.3","domain":"messages","locale_data":{"messages":{"":{"domain":"messages","plural-forms":"nplurals=2; plural=n != 1;","lang":"es_CO"},"Cancel this rating!":["\u00a1Cancelar esta puntuaci\u00f3n!"],"Not rated yet!":["\u00a1A\u00fan no puntuado!"]}},"comment":{"reference":"assets\/libs\/raty\/um-raty.js"}} ); 1773//# sourceURL=um_raty-js-translations 1774/* ]]> */ 1775</script>
vendor: 1 bytes, line 1775
1775
1776<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/libs/raty/um-raty.min.js?ver=2.6.0" id="um_raty-js"></script>
vendor: 1 bytes, line 1776
1776
1777<script type="text/javascript" id="um_scripts-js-extra"> 1778/* <![CDATA[ */ 1779var um_scripts = {"max_upload_size":"67108864","nonce":"1d19732975"}; 1780//# sourceURL=um_scripts-js-extra 1781/* ]]> */ 1782</script>
vendor: 1 bytes, line 1782
1782
1783<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/um-scripts.min.js?ver=2.11.2" id="um_scripts-js"></script>
vendor: 1 bytes, line 1783
1783
1784<script type="text/javascript" id="um_profile-js-translations"> 1785/* <![CDATA[ */ 1786( function( domain, translations ) { 1787 var localeData = translations.locale_data[ domain ] || translations.locale_data.messages; 1788 localeData[""].domain = domain; 1789 wp.i18n.setLocaleData( localeData, domain ); 1790} )( "ultimate-member", {"translation-revision-date":"2025-12-13 04:44:23+0000","generator":"GlotPress\/4.0.3","domain":"messages","locale_data":{"messages":{"":{"domain":"messages","plural-forms":"nplurals=2; plural=n != 1;","lang":"es_CO"},"Are you sure that you want to delete this user?":["\u00bfSeguro que quieres borrar este usuario?"],"Upload a cover photo":["Subir una foto de portada"]}},"comment":{"reference":"assets\/js\/um-profile.js"}} ); 1791//# sourceURL=um_profile-js-translations 1792/* ]]> */ 1793</script>
vendor: 1 bytes, line 1793
1793
1794<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/um-profile.min.js?ver=2.11.2" id="um_profile-js"></script>
vendor: 1 bytes, line 1794
1794
1795<script type="text/javascript" src="https://www.asobancaria.com/wp-content/plugins/ultimate-member/assets/js/um-account.min.js?ver=2.11.2" id="um_account-js"></script>
vendor: 1 bytes, line 1795
1795
1796<script type="text/javascript" id="single-page-nav-js-extra"> 1797/* <![CDATA[ */ 1798var one_page_options = {"filter":".is-one-page","speed":"1000"}; 1799//# sourceURL=single-page-nav-js-extra 1800/* ]]> */ 1801</script>
vendor: 1 bytes, line 1801
1801
1802<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>
vendor: 1 bytes, line 1802
1802
1803<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 1803
1803
1804<script type="text/javascript" id="elementor-pro-frontend-js-before"> 1805/* <![CDATA[ */ 1806var ElementorProFrontendConfig = {"ajaxurl":"https:\/\/www.asobancaria.com\/wp-admin\/admin-ajax.php","nonce":"999d08019c","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":"67d0323ef1"}},"facebook_sdk":{"lang":"es_CO","app_id":""},"lottie":{"defaultAnimationUrl":"https:\/\/www.asobancaria.com\/wp-content\/plugins\/elementor-pro\/modules\/lottie\/assets\/animations\/default.json"}}; 1807//# sourceURL=elementor-pro-frontend-js-before 1808/* ]]> */ 1809</script>
vendor: 1 bytes, line 1809
1809
1810<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 1810
1810
1811<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>
1811 1812 <style> 1813 .unlimited-elements-background-overlay{ 1814 position:absolute; 1815 top:0px; 1816 left:0px; 1817 width:100%; 1818 height:100%; 1819 z-index:0; 1820 } 1821 1822 .unlimited-elements-background-overlay.uc-bg-front{ 1823 z-index:999; 1824 } 1825 </style> 1826 1827
1827<script type='text/javascript'> 1828 1829 jQuery(document).ready(function(){ 1830 1831 function ucBackgroundOverlayPutStart(){ 1832 1833 var objBG = jQuery(".unlimited-elements-background-overlay").not(".uc-bg-attached"); 1834 1835 if(objBG.length == 0) 1836 return(false); 1837 1838 objBG.each(function(index, bgElement){ 1839 1840 var objBgElement = jQuery(bgElement); 1841 1842 var targetID = objBgElement.data("forid"); 1843 1844 var location = objBgElement.data("location"); 1845 1846 switch(location){ 1847 case "body": 1848 case "body_front": 1849 var objTarget = jQuery("body"); 1850 break; 1851 case "layout": 1852 case "layout_front": 1853 var objLayout = jQuery("*[data-id=\""+targetID+"\"]"); 1854 var objTarget = objLayout.parents(".elementor"); 1855 if(objTarget.length > 1) 1856 objTarget = jQuery(objTarget[0]); 1857 break; 1858 default: 1859 var objTarget = jQuery("*[data-id=\""+targetID+"\"]"); 1860 break; 1861 } 1862 1863 1864 if(objTarget.length == 0) 1865 return(true); 1866 1867 var objVideoContainer = objTarget.children(".elementor-background-video-container"); 1868 1869 if(objVideoContainer.length == 1) 1870 objBgElement.detach().insertAfter(objVideoContainer).show(); 1871 else 1872 objBgElement.detach().prependTo(objTarget).show(); 1873 1874 1875 var objTemplate = objBgElement.children("template"); 1876 1877 if(objTemplate.length){ 1878 1879 var clonedContent = objTemplate[0].content.cloneNode(true); 1880 1881 var objScripts = jQuery(clonedContent).find("script"); 1882 if(objScripts.length) 1883 objScripts.attr("type","text/javascript"); 1884 1885 objBgElement.append(clonedContent); 1886 1887 objTemplate.remove(); 1888 } 1889 1890 objBgElement.trigger("bg_attached"); 1891 objBgElement.addClass("uc-bg-attached"); 1892 1893 }); 1894 } 1895 1896 ucBackgroundOverlayPutStart(); 1897 1898 jQuery( document ).on( 'elementor/popup/show', ucBackgroundOverlayPutStart); 1899 jQuery( "body" ).on( 'uc_dom_updated', ucBackgroundOverlayPutStart); 1900 1901 }); 1902 1903 1904 </script>
1904 1905
1905<script id="wp-emoji-settings" type="application/json"> 1906{"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"}} 1907</script>
vendor: 1 bytes, line 1907
1907
1908<script type="module"> 1909/* <![CDATA[ */ 1910/*! This file is auto-generated */ 1911var 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)))}); 1912//# sourceURL=https://www.asobancaria.com/wp-includes/js/wp-emoji-loader.min.js 1913/* ]]> */ 1914</script>
vendor: 1 bytes, line 1914
1914
1915<script> 1916document.addEventListener('DOMContentLoaded', function() { 1917 jQuery(document).on('elementor/popup/show', function() { 1918 if (typeof wpcf7 !== 'undefined') { 1919 document.querySelectorAll('.wpcf7 form').forEach(function(form) { 1920 wpcf7.init(form); 1921 }); 1922 } 1923 }); 1924}); 1925</script>
1925 1926 1927</body> 1928</html> 1929 1930<!-- Page supported by LiteSpeed Cache 7.8.0.1 on 2026-10-01 08:55:14 -->
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.