{"id":18839,"date":"2025-06-10T17:35:20","date_gmt":"2025-06-10T23:35:20","guid":{"rendered":"https:\/\/blplegal.com\/?p=18839"},"modified":"2026-07-22T11:19:43","modified_gmt":"2026-07-22T17:19:43","slug":"reformas-ley-tarjetas-credito-honduras","status":"publish","type":"post","link":"https:\/\/blplegal.com\/es\/reformas-ley-tarjetas-credito-honduras\/","title":{"rendered":"Nuevas reformas a la Ley de Tarjetas de Cr\u00e9dito en Honduras: transparencia y protecci\u00f3n al consumidor financiero"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">En abril de 2025, Honduras aprob\u00f3 mediante el Decreto No. 34-2025 importantes reformas a la Ley de Tarjetas de Cr\u00e9dito. Estas modificaciones fortalecen los derechos de los consumidores financieros y promueven mayor transparencia en el c\u00e1lculo de intereses y la seguridad en las transacciones presenciales. A continuaci\u00f3n, analizamos los cambios clave y sus implicaciones pr\u00e1cticas.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n \t<li><strong> C\u00e1lculo justo de intereses \u2013 Art\u00edculo 36<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n \t<li>Las entidades emisoras ya no podr\u00e1n cobrar intereses sobre el monto total de la deuda si el tarjetahabiente realiza pagos parciales.<\/li>\n \t<li>El inter\u00e9s solo se calcular\u00e1 sobre el saldo pendiente, es decir, el monto efectivamente no pagado.<\/li>\n \t<li>Adem\u00e1s, los pagos se aplicar\u00e1n de manera autom\u00e1tica a las deudas m\u00e1s antiguas, reduciendo as\u00ed la carga de intereses acumulados.<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\" start=\"2\">\n \t<li><strong> Seguridad reforzada en transacciones presenciales \u2013 Art\u00edculo 44<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n \t<li>Los comercios deben procesar el pago con tarjeta en presencia del cliente y verificar su identidad.<\/li>\n \t<li>Esta disposici\u00f3n excluye expresamente las compras en l\u00ednea y los pagos digitales, manteniendo intacta la flexibilidad del comercio electr\u00f3nico.<\/li>\n<\/ul>\n\n\n\n<ol class=\"wp-block-list\" start=\"3\">\n \t<li><strong> Pr\u00f3xima reglamentaci\u00f3n por parte de la CNBS<\/strong><\/li>\n<\/ol>\n\n\n\n<ul class=\"wp-block-list\">\n \t<li>La Comisi\u00f3n Nacional de Bancos y Seguros (CNBS) emitir\u00e1 pr\u00f3ximamente normativa complementaria para garantizar la correcta implementaci\u00f3n de estas reformas.<\/li>\n \t<li>Se espera que dicha reglamentaci\u00f3n detalle los mecanismos de aplicaci\u00f3n del nuevo c\u00e1lculo de intereses y los protocolos para las transacciones presenciales.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Estas reformas representan un paso significativo hacia un sistema crediticio m\u00e1s justo, transparente y orientado al usuario. Desde BLP, seguimos monitoreando de cerca los desarrollos regulatorios para asesorar a nuestros clientes en su cumplimiento normativo.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<p class=\"wp-block-paragraph\">Cont\u00e1ctenos a <a href=\"mailto:info@blplegal.com\"><strong>info@blplegal.com<\/strong><\/a> para m\u00e1s informaci\u00f3n.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En abril de 2025, Honduras aprob\u00f3 mediante el Decreto No. 34-2025 importantes reformas a la Ley de Tarjetas de Cr\u00e9dito. Estas modificaciones fortalecen los derechos de los consumidores financieros y promueven mayor transparencia en el c\u00e1lculo de intereses y la seguridad en las transacciones presenciales. A continuaci\u00f3n, analizamos los cambios clave y sus implicaciones pr\u00e1cticas&#8230;.<\/p>\n","protected":false},"author":8,"featured_media":22344,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[268,301,262,303],"tags":[],"class_list":["post-18839","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banca-y-finanzas","category-blog","category-honduras","category-noticias"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nuevas reformas a la Ley de Tarjetas de Cr\u00e9dito en Honduras: transparencia y protecci\u00f3n al consumidor financiero - BLP Legal<\/title>\n<meta name=\"description\" content=\"Discover the key reforms to the Honduran Credit Card Law (Decree No. 34-2025): new interest calculation rules, enhanced in-person transaction security, and upcoming CNBS regulations. Expert analysis by BLP.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blplegal.com\/es\/reformas-ley-tarjetas-credito-honduras\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nuevas reformas a la Ley de Tarjetas de Cr\u00e9dito en Honduras: transparencia y protecci\u00f3n al consumidor financiero - BLP Legal\" \/>\n<meta property=\"og:description\" content=\"Discover the key reforms to the Honduran Credit Card Law (Decree No. 34-2025): new interest calculation rules, enhanced in-person transaction security, and upcoming CNBS regulations. 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