{"id":1752,"date":"2022-09-05T18:29:52","date_gmt":"2022-09-05T18:29:52","guid":{"rendered":"https:\/\/killerpruebas.com\/aoramed\/?page_id=1752"},"modified":"2023-08-28T20:00:45","modified_gmt":"2023-08-28T20:00:45","slug":"regulacion","status":"publish","type":"page","link":"https:\/\/killerpruebas.com\/aoramed\/regulacion\/","title":{"rendered":"Regulaci\u00f3n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1752\" class=\"elementor elementor-1752\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e128687 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e128687\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-767a209\" data-id=\"767a209\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cfa5615 elementor-widget elementor-widget-spacer\" data-id=\"cfa5615\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ac6e2b7 elementor-widget elementor-widget-heading\" data-id=\"ac6e2b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Regulaci\u00f3n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f670299 elementor-widget elementor-widget-text-editor\" data-id=\"f670299\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-342a110 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"342a110\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b1ee191\" data-id=\"b1ee191\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-806b06f elementor-widget elementor-widget-text-editor\" data-id=\"806b06f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Efeval, S.A de C.V. SOFOM E.N.R., para su constituci\u00f3n y operaci\u00f3n con el car\u00e1cter de Sociedad Financiera de Objeto M\u00faltiple, Entidad No Regulada, no requiere de la autorizaci\u00f3n de la Secretar\u00eda de Hacienda y Cr\u00e9dito P\u00fablico, y se encuentra sujeta a la supervisi\u00f3n y vigilancia de la Comisi\u00f3n Nacional Bancaria y de Valores (CNBV), \u00fanicamente para efectos de lo dispuesto por el art\u00edculo 56 de LGOAAC (Ley General de Organizaciones y Actividades Auxiliares del Cr\u00e9dito).<\/p><p>Fundamento legal de la leyenda anterior.<\/p><p><b>Art\u00edculo 87-J<\/b>.- En los contratos de arrendamiento financiero, factoraje financiero y cr\u00e9dito, as\u00ed como en las dem\u00e1s actividades que la ley expresamente les faculte, que celebren las sociedades financieras de objeto m\u00faltiple, \u00e9stas deber\u00e1n se\u00f1alar expresamente que,\u00a0<b>para su constituci\u00f3n y operaci\u00f3n con tal car\u00e1cter, no requieren de autorizaci\u00f3n de la Secretar\u00eda de Hacienda y Cr\u00e9dito P\u00fablico,<\/b>\u00a0y, en el caso de las sociedades financieras de objeto m\u00faltiple no reguladas, deber\u00e1n en adici\u00f3n a lo anterior,\u00a0<b>se\u00f1alar expresamente que est\u00e1n sujetas a la supervisi\u00f3n de la Comisi\u00f3n Nacional Bancaria y de Valores, \u00fanicamente para efectos de lo dispuesto por el art\u00edculo 56 de esta Ley. Igual menci\u00f3n deber\u00e1 se\u00f1alarse en cualquier tipo de informaci\u00f3n que, para fines de promoci\u00f3n de sus operaciones y servicios, utilicen las sociedades financieras de objeto m\u00faltiple no reguladas.<\/b><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-15ec805 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"15ec805\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e3785e4\" data-id=\"e3785e4\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-b547b52 elementor-widget elementor-widget-heading\" data-id=\"b547b52\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><h2 class=\"elementor-heading-title elementor-size-default\"><b>UNE<\/b>\u00a0(Unidad Especializada de Atenci\u00f3n a Usuarios)<\/h2><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-a5026bf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a5026bf\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9c58652\" data-id=\"9c58652\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-ba158cc elementor-widget elementor-widget-image\" data-id=\"ba158cc\" data-element_type=\"widget\" data-widget_type=\"image.default\"><div class=\"elementor-widget-container\"><img decoding=\"async\" class=\"attachment-large size-large\" src=\"https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/Screen-Shot-2021-12-27-at-6.48.51-PM.png\" sizes=\"(max-width: 206px) 100vw, 206px\" srcset=\"https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/Screen-Shot-2021-12-27-at-6.48.51-PM.png 206w, https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/Screen-Shot-2021-12-27-at-6.48.51-PM-120x72.png 120w\" alt=\"UNE\" width=\"206\" height=\"123\" \/><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-6fc6077 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6fc6077\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8fda5f1\" data-id=\"8fda5f1\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-aa02dfc elementor-widget elementor-widget-text-editor\" data-id=\"aa02dfc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Datos de localizaci\u00f3n y contacto con nuestra Unidad Especializada de Atenci\u00f3n a Usuarios (UNE).<\/p><ul><li>Titular: Lic. Alfredo Saucedo C\u00e9spedes.<\/li><li>Domicilio: Av. L\u00e1zaro C\u00e1rdenas 435 \u2013 Torre Aurum, Piso 10, Col. Zona Loma Larga Poniente, C.P. 66266, San Pedro Garza Garc\u00eda, Nuevo Le\u00f3n.<\/li><li>Horario de Atenci\u00f3n: Lunes a viernes de 9:00 a 18:30 hrs.<\/li><li>Tel\u00e9fono y correo electr\u00f3nico: (81)3142-3100 \/ une@aoracapital.com<\/li><\/ul><div>Para conocer el aviso de nuestra UNE haz\u00a0<a href=\"https:\/\/aoracapital.com\/wp-content\/uploads\/2022\/06\/MODELO-DE-AVISO-UNE-EFEVALJUNIO.2022-HOJA-MEMBRETADA.pdf\" target=\"_blank\" rel=\"noopener\">clic aqu\u00ed<\/a>.<\/div><p>Para mayor informaci\u00f3n respecto a la localizaci\u00f3n y contacto de nuestra Unidad Especializada de Anteci\u00f3n a Usuarios (UNE), puede ingresar al Directorio de Unidades Especializadas de Atenci\u00f3n a Usuarios (DITUE) proporcionado por la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios Financieros (CONDUSEF), haciendo clic aqu\u00ed:<\/p><p><a href=\"https:\/\/eduweb.condusef.gob.mx\/Reune\/ditue.aspx\" target=\"_blank\" rel=\"noopener\">https:\/\/eduweb.condusef.gob.mx\/Reune\/ditue.aspx\u00a0<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f565ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f565ac\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-74fd276\" data-id=\"74fd276\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-d61ef3e elementor-widget elementor-widget-heading\" data-id=\"d61ef3e\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><h2 class=\"elementor-heading-title elementor-size-default\">Bur\u00f3 de Entidades\u00a0<b>Financieras<\/b><\/h2><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-51ebe8b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"51ebe8b\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8ede94\" data-id=\"b8ede94\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-e2f95a6 elementor-widget elementor-widget-image\" data-id=\"e2f95a6\" data-element_type=\"widget\" data-widget_type=\"image.default\"><div class=\"elementor-widget-container\"><img decoding=\"async\" class=\"attachment-large size-large\" src=\"https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/buro.png\" sizes=\"(max-width: 181px) 100vw, 181px\" srcset=\"https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/buro.png 181w, https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/buro-120x117.png 120w\" alt=\"Bur\u00f3 de Entidades Financieras\" width=\"181\" height=\"177\" \/><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-837c177 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"837c177\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1fdb13e\" data-id=\"1fdb13e\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-8d3ab30 elementor-widget elementor-widget-text-editor\" data-id=\"8d3ab30\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p><b>\u00bfQu\u00e9 es el Bur\u00f3 de Entidades Financieras?<\/b><\/p><p>Es una herramienta de consulta y difusi\u00f3n con la que podr\u00e1s conocer los productos que ofrecen las entidades financieras, sus comisiones y tasas, las reclamaciones de los usuarios, las pr\u00e1cticas no sanas en que incurren, las sanciones administrativas que les han impuesto, las cl\u00e1usulas abusivas de sus contratos y otra informaci\u00f3n que resulte relevante para informarte sobre su desempe\u00f1o.<\/p><p>Con el Bur\u00f3 de Entidades Financieras, se lograr\u00e1 saber qui\u00e9n es qui\u00e9n en bancos, seguros, sociedades financieras de objeto m\u00faltiple, cajas de ahorro, afores, entre otras entidades. Con ello, podr\u00e1s comparar y evaluar a las entidades financieras, sus productos y servicios y tendr\u00e1s mayores elementos para elegir lo que m\u00e1s te convenga. Esta informaci\u00f3n te ser\u00e1 \u00fatil para elegir un producto financiero y tambi\u00e9n para conocer y usar mejor los que ya tienes.<\/p><p>Este Bur\u00f3 de Entidades Financieras, es una herramienta que puede contribuir al crecimiento econ\u00f3mico del pa\u00eds, al promover la competencia entre las instituciones financieras; que impulsar\u00e1 la transparencia al revelar informaci\u00f3n a los usuarios sobre el desempe\u00f1o de \u00e9stas y los productos que ofrecen y que va a facilitar un manejo responsable de los productos y servicios financieros al conocer a detalle sus caracter\u00edsticas.<\/p><p>Lo anterior, podr\u00e1 derivar en un mayor bienestar social, porque al conjuntar en un solo espacio tan diversa informaci\u00f3n del sistema financiero, el usuario tendr\u00e1 m\u00e1s elementos para optimizar su presupuesto, para mejorar sus finanzas personales, para utilizar correctamente los cr\u00e9ditos que fortalecer\u00e1n su econom\u00eda y obtener los seguros que la protejan, entre otros aspecto.<\/p><p>Para conocer nuestra informaci\u00f3n en el Bur\u00f3 de Entidades Financieras haz\u00a0<a href=\"https:\/\/www.buro.gob.mx\/general_gob.php?id_sector=69&amp;id_periodo=31\" target=\"_blank\" rel=\"noopener\">clic aqu\u00ed<\/a>.<\/p><p>\u00a0<\/p><p>Esta es nuestra informaci\u00f3n en el Bur\u00f3 de Entidades Financieras<\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-565c2b9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"565c2b9\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d7c8cc1\" data-id=\"d7c8cc1\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-558600e elementor-widget elementor-widget-image\" data-id=\"558600e\" data-element_type=\"widget\" data-widget_type=\"image.default\"><div class=\"elementor-widget-container\"><img fetchpriority=\"high\" decoding=\"async\" class=\"attachment-full size-full\" src=\"https:\/\/aoracapital.com\/wp-content\/uploads\/2022\/06\/5672d438-7288-495c-950a-83862dc5abbb.jpg\" sizes=\"(max-width: 1220px) 100vw, 1220px\" srcset=\"https:\/\/aoracapital.com\/wp-content\/uploads\/2022\/06\/5672d438-7288-495c-950a-83862dc5abbb.jpg 1220w, https:\/\/aoracapital.com\/wp-content\/uploads\/2022\/06\/5672d438-7288-495c-950a-83862dc5abbb-250x89.jpg 250w, https:\/\/aoracapital.com\/wp-content\/uploads\/2022\/06\/5672d438-7288-495c-950a-83862dc5abbb-700x248.jpg 700w, https:\/\/aoracapital.com\/wp-content\/uploads\/2022\/06\/5672d438-7288-495c-950a-83862dc5abbb-768x273.jpg 768w, https:\/\/aoracapital.com\/wp-content\/uploads\/2022\/06\/5672d438-7288-495c-950a-83862dc5abbb-120x43.jpg 120w\" alt=\"Bur\u00f3 Efeval\" width=\"1220\" height=\"433\" \/><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-65d66e4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65d66e4\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e37a640\" data-id=\"e37a640\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-a743327 elementor-widget elementor-widget-text-editor\" data-id=\"a743327\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>La informaci\u00f3n corresponde \u00fanicamente a EFEVAL, S.A. de C.V., SOFOM, E.N.R.; para conocer la<br \/>informaci\u00f3n de todo el sector de Sociedades Financieras de Objeto M\u00faltiple Entidades No Reguladas (SOFOM ENR) o bien para conocer la informaci\u00f3n de cualquier otro sector financiero, podr\u00e1 acceder al sitio\u00a0<a href=\"http:\/\/www.buro.gob.mx\/\" target=\"_blank\" rel=\"noopener\">http:\/\/www.buro.gob.mx<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-2f5bf70 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2f5bf70\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-17e94fa\" data-id=\"17e94fa\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-dc8b348 elementor-widget elementor-widget-heading\" data-id=\"dc8b348\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><h2 class=\"elementor-heading-title elementor-size-default\"><b>CONDUSEF<\/b><\/h2><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-11ad5b6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"11ad5b6\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-745d17a\" data-id=\"745d17a\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-b46b758 elementor-widget elementor-widget-image\" data-id=\"b46b758\" data-element_type=\"widget\" data-widget_type=\"image.default\"><div class=\"elementor-widget-container\"><img loading=\"lazy\" decoding=\"async\" class=\"attachment-large size-large\" src=\"https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/Screen-Shot-2021-12-27-at-7.35.36-PM.png\" sizes=\"(max-width: 267px) 100vw, 267px\" srcset=\"https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/Screen-Shot-2021-12-27-at-7.35.36-PM.png 267w, https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/Screen-Shot-2021-12-27-at-7.35.36-PM-250x170.png 250w, https:\/\/aoracapital.com\/wp-content\/uploads\/2021\/12\/Screen-Shot-2021-12-27-at-7.35.36-PM-120x82.png 120w\" alt=\"CONDUSEF\" width=\"267\" height=\"182\" \/><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-05028d6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"05028d6\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c67c30d\" data-id=\"c67c30d\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-b68228c elementor-widget elementor-widget-text-editor\" data-id=\"b68228c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Visita la p\u00e1gina de la CONDUSEF aqu\u00ed:\u00a0<a href=\"https:\/\/www.condusef.gob.mx\/\" target=\"_blank\" rel=\"noopener\">https:\/\/www.condusef.gob.mx\/<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-ee41705 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ee41705\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-49eca90\" data-id=\"49eca90\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-179f983 elementor-widget elementor-widget-heading\" data-id=\"179f983\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><h2 class=\"elementor-heading-title elementor-size-default\">Productos y\u00a0<b>Comisiones aplicables<\/b><\/h2><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-614b97b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"614b97b\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a841cb6\" data-id=\"a841cb6\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-9c12bbb elementor-widget elementor-widget-text-editor\" data-id=\"9c12bbb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Descripci\u00f3n del producto y las comisiones aplicables de acuerdo a las DISPOSICIONES de car\u00e1cter general en materia de transparencia aplicables a las Sociedades Financieras de Objeto M\u00faltiple, Entidades No Reguladas.<\/p><p><b>*Fundamentos Legales (DISPOSICIONES de car\u00e1cter general en materia de transparencia aplicables a las Sociedades Financieras de Objeto M\u00faltiple, Entidades No Reguladas.):<\/b><\/p><p><b>Art\u00edculo 32.<\/b>\u00a0La informaci\u00f3n sobre los costos y las Comisiones que las Entidades Financieras deben<br \/><b>incluir en su p\u00e1gina electr\u00f3nica de Internet<\/b>, as\u00ed como en listas, carteles o folletos en sucursales,<br \/>debe tener una tipograf\u00eda legible de al menos 8 puntos y contener:<\/p><p>I. Denominaci\u00f3n social de la Entidad Financiera;<br \/>II. Nombre del producto o servicio;<br \/>III. Concepto, monto o m\u00e9todo de c\u00e1lculo, sin se\u00f1alar rangos, y periodicidad de las Comisiones;<br \/>IV. La tasa de inter\u00e9s y el CAT de acuerdo con las disposiciones emitidas por Banco de M\u00e9xico, y<br \/>V. Las Entidades Financieras deben expresar el CAT con una tipograf\u00eda de por lo menos 100 por<br \/>ciento del Elemento de Costo. Las leyendas obligatorias deben escribirse en al menos 8 puntos.<\/p><p>Las Comisiones deben publicarse indicando una sola cantidad o el m\u00e9todo de c\u00e1lculo correspondiente, sin se\u00f1alar rangos, as\u00ed como se\u00f1alando el hecho que genera su cobro. Con independencia del medio en que se publique, la informaci\u00f3n de las Comisiones debe ser vigente y congruente entre s\u00ed.<\/p><p><b>Art\u00edculo 47.<\/b>\u00a0Las Entidades Financieras, en su p\u00e1gina de Internet, deben incluir toda la informaci\u00f3n<br \/>de los productos o servicios que ofrezcan al p\u00fablico en general cumpliendo con los requisitos<br \/>se\u00f1alados en el presente Cap\u00edtulo.<\/p><p>En caso de contar con simuladores, deben calcular el CAT vigente conforme a la informaci\u00f3n que se<br \/>est\u00e9 simulando y revelarlo en los t\u00e9rminos que establece el Banco de M\u00e9xico. Tambi\u00e9n deben incluir<br \/>la tasa de inter\u00e9s o descuento, y calcular el esquema de financiamiento y de pago, acorde con las<br \/>caracter\u00edsticas de la operaci\u00f3n o servicio de que se trate incluyendo la tabla de amortizaciones.<\/p><p>Las Entidades Financieras deben dar a conocer al p\u00fablico la existencia del Bur\u00f3 de Entidades\u00a0Financieras en sus sucursales y p\u00e1gina de Internet, en los t\u00e9rminos de las Disposiciones de Car\u00e1cter\u00a0General para la Organizaci\u00f3n y Funcionamiento del Bur\u00f3 de Entidades Financieras, que al efecto\u00a0emita la CONDUSEF.<\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-62f9814 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"62f9814\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1d37011\" data-id=\"1d37011\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-5b690ca elementor-widget elementor-widget-heading\" data-id=\"5b690ca\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><h2 class=\"elementor-heading-title elementor-size-default\">Dictamen\u00a0<b>T\u00e9cnico<\/b><\/h2><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-ad17599 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad17599\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-08f6e39\" data-id=\"08f6e39\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-2df490f elementor-widget elementor-widget-text-editor\" data-id=\"2df490f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Este documento se aprueba por la CNBV cada 3 a\u00f1os, revisando que contemos con todas las leyes aplicables a las instituciones de cr\u00e9dito Entidades No Reguladas.\u00a0<\/p><p><a href=\"https:\/\/o8g.57a.myftpupload.com\/wp-content\/uploads\/2022\/09\/Efeval-Dictamen-Te\u0301cnico.pdf\" target=\"_blank\" rel=\"noopener\"><b>VER DOCUMENTO<\/b><\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-32046d9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32046d9\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-88c40c8\" data-id=\"88c40c8\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-af7ae02 elementor-widget elementor-widget-heading\" data-id=\"af7ae02\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><h2 class=\"elementor-heading-title elementor-size-default\">Constancia\u00a0<b>SIPRES\u00a0<\/b>con clave<b>\u00a0CASFIM<\/b><\/h2><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-514865a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"514865a\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c982499\" data-id=\"c982499\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-17921f1 elementor-widget elementor-widget-text-editor\" data-id=\"17921f1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>Contamos con clave \u00fanica de operaci\u00f3n CASFIM otorgada por la\u00a0<b>CONDUSEF<\/b>. Esta permite la correcta operaci\u00f3n de la SOFOM. Esta clave es renovada cada 3 a\u00f1os a trav\u00e9s de la aprobaci\u00f3n de nuestro dictamen t\u00e9cnico.<\/p><p><a href=\"https:\/\/o8g.57a.myftpupload.com\/wp-content\/uploads\/2022\/09\/CONSTANCIA-DE-INSCRIPCION-CASFIM.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif;\"><b>VER DOCUMENTO\u00a0<\/b><\/span><\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-7355dd2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7355dd2\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c0f4bdd\" data-id=\"c0f4bdd\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-20e8b52 elementor-widget elementor-widget-heading\" data-id=\"20e8b52\" data-element_type=\"widget\" data-widget_type=\"heading.default\"><div class=\"elementor-widget-container\"><h2 class=\"elementor-heading-title elementor-size-default\">Ley para la Transparencia y Ordenamiento de los<b>\u00a0Servicios Financieros<\/b><\/h2><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"elementor-section elementor-top-section elementor-element elementor-element-4745d28 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4745d28\" data-element_type=\"section\"><div class=\"elementor-container elementor-column-gap-default\"><div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2877886\" data-id=\"2877886\" data-element_type=\"column\"><div class=\"elementor-widget-wrap elementor-element-populated\"><div class=\"elementor-element elementor-element-b2a3bdb elementor-widget elementor-widget-text-editor\" data-id=\"b2a3bdb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\"><div class=\"elementor-widget-container\"><p>En esta liga encontrar\u00e1 las regulaciones y leyes aplicables para las SOFOM, adem\u00e1s de algunos puntos de inter\u00e9s apegados a las Instituciones de Cr\u00e9dito, Entidades No Reguladas, para la correcta operaci\u00f3n y cumplimiento de las obligaciones.<\/p><p><a href=\"https:\/\/www.gob.mx\/condusef\/documentos\/marco-legal-26548\" target=\"_blank\" rel=\"noopener\">https:\/\/www.gob.mx\/condusef\/documentos\/marco-legal-26548<\/a><\/p><\/div><\/div><\/div><\/div><\/div><\/section>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"Regulaci\u00f3n Efeval, S.A de C.V. 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