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16	<meta property="og:description" content="La Constitución Nacional consagra, en su artículo 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." />
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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;}
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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' />
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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
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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)' />
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91<style id='woocommerce-inline-inline-css' type='text/css'>
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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' />
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201/* ]]> */
202</script>
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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>
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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>
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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>
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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 -->
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212
213		<script async src="https://www.googletagmanager.com/gtag/js?id=
213G-MQ15RXMHJ5
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213"></script>
214		
214<script>
215			
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215window.dataLayer = window.dataLayer || [];
216			function gtag(){dataLayer.push(arguments);}
217			gtag('js', new Date());
218			gtag('config', '
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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}
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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';
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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			??= {};
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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 Ética 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>
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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>
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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">
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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>
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448									<p>La Constitución Nacional consagra, en su artículo 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 Política indica cómo se reparten las competencias entre las distintas autoridades que expiden normatividad para el ejercicio de esta actividad. Así, 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>
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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>
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465                    <div class="ct-list-item " data-wow-delay="ms">
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468	            	<div class="ct-list-desc">
469	            		La Carta Política 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 autonomía 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 así: en primer lugar, en la Constitución Política 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>
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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>
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493	            	<div class="ct-list-desc">
494	            		Los decretos que expide el presidente en desarrollo de las leyes marco previstas en el artículo 150, numeral 19, no gozan, (…) de fuerza material de ley. Ellos tienen por límite 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 típicamente administrativos, y más exactamente reglamentarios, aunque con un ámbito más amplio que el señalado en la Constitución para los decretos expedidos en desarrollo del artículo 189, numeral 11, de la Constitución”. 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>
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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>
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542			<div class="e-n-tabs-heading" role="tablist">
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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 economía, 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 cesantías, 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; revisoría 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 compañías de financiamiento comercial, medidas cautelares y toma de posesión, Fondo de Garantías 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 artículo 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 país (Índice de Precios al Consumidor, IPC). La ley facultó al Consejo de Política Económica 
652y Social (Conpes) para establecer la metodología 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 días 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 garantías 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 títulos 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 títulos 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 “no 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 capítulos 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 Garantías 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 compañías 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 país en acuerdos de integración comercial con otros países 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 Jurídico 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 categorías:</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="{&quot;tabs_justify_horizontal&quot;:&quot;stretch&quot;,&quot;horizontal_scroll&quot;:&quot;disable&quot;}" 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 &amp; 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 tenían 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 economía.	            	</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>Compañías 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 jurídica 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 asesoría 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. Éstas 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 mercancías sobre las que se expiden certificados de depósito, que son títulos 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 cesantías: </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 cesantías.
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 artículo 5 de la Ley 546 de 1999 estableció que estas entidades tendrían 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 amplíen 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 Garantías, 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 compañías 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 país 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 mínimos 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 mínimos 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 categorías 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="{&quot;background_background&quot;:&quot;classic&quot;}">
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="{&quot;template_id&quot;:19676,&quot;pagination_type&quot;:&quot;numbers&quot;,&quot;_skin&quot;:&quot;post&quot;,&quot;columns&quot;:&quot;3&quot;,&quot;columns_tablet&quot;:&quot;2&quot;,&quot;columns_mobile&quot;:&quot;1&quot;,&quot;edit_handle_selector&quot;:&quot;[data-elementor-type=\&quot;loop-item\&quot;]&quot;,&quot;pagination_load_type&quot;:&quot;page_reload&quot;,&quot;row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}" 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 sí 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="{&quot;background_background&quot;:&quot;classic&quot;}">
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="{&quot;background_background&quot;:&quot;classic&quot;}">
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="{&quot;background_background&quot;:&quot;classic&quot;}">
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="{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}">
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 país.</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 suscríbase a nuestros Semanarios para estar al día 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">Suscríbase aquí</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="{&quot;stretch_section&quot;:&quot;section-stretched&quot;,&quot;background_background&quot;:&quot;classic&quot;}">
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">Política 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>
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1460            </div>
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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"}]}
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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="{&quot;a11y_navigation&quot;:&quot;yes&quot;,&quot;triggers&quot;:[],&quot;timing&quot;:[]}" 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="{&quot;background_background&quot;:&quot;classic&quot;}">
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 suscríbase a nuestro Semanarios para estar al día 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">
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1535			</p>
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1538			<p><label style="color:#fff">Informe que desea recibir*</label><br />
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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1741
1742<script type="text/javascript" id="um_common-js-extra">
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1744var um_common_variables = {"locale":"es_CO"};
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1748</script>
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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>
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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">
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1755/* ]]> */
1756</script>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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>
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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"};
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1800/* ]]> */
1801</script>
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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>
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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>
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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"}};
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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>
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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">
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1907</script>
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1907
1908<script type="module">
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1914</script>
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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);
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1922    }
1923  });
1924});
1925</script>
1925
1926
1927</body>
1928</html>
1929
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