{"id":234,"date":"2022-12-02T10:56:00","date_gmt":"2022-12-02T09:56:00","guid":{"rendered":"http:\/\/afirma-juridico.local\/?p=234"},"modified":"2024-02-13T09:35:01","modified_gmt":"2024-02-13T08:35:01","slug":"defensa-del-cliente-financiero-autoridad-administrativa-independiente","status":"publish","type":"post","link":"https:\/\/afirmajuridico.com\/cat\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/","title":{"rendered":"Defensa del Client financer. Autoritat Administrativa Independent."},"content":{"rendered":"<p>El Consell de Ministres a la reuni\u00f3 del 22 de novembre passat ha aprovat el Projecte de llei pel qual es crea l&#039;Autoritat Administrativa Independent de Defensa del Client Financer per a la resoluci\u00f3 extrajudicial de conflictes en l&#039;\u00e0mbit bancari, d&#039;assegurances i d&#039;inversi\u00f3 financera. Aquesta instituci\u00f3 centralitza els actuals serveis de reclamacions del Banc d&#039;Espanya, de la Comissi\u00f3 Nacional del Mercat de Valors (CNMV) i de la Direcci\u00f3 General d&#039;Assegurances i Fons de Pensions.<\/p>\n\n\n\n<p>Entre les novetats principals destaca que les resolucions de l&#039;Autoritat tindran car\u00e0cter vinculant per a les entitats financeres quan es tracti de reclamacions relacionades amb normativa de conducta, protecci\u00f3 a la clientela o amb cl\u00e0usules abusives i d&#039;una quantia inferior a 20.000 euros (actualment no s\u00f3n vinculants en cap cas). A la resta de casos, les resolucions tindran, en cas de procediment judicial, el valor d&#039;informe pericial.&nbsp;<\/p>\n\n\n\n<p>L&#039;Autoritat estar\u00e0 adscrita al Ministeri d&#039;Afers Econ\u00f2mics i Transformaci\u00f3 Digital i comptar\u00e0 amb un president i un vicepresident que seran nomenats pel Consell de Ministres per un per\u00edode de sis anys i comptar\u00e0 amb autonomia i independ\u00e8ncia funcional.<\/p>\n\n\n\n<p>El projecte preveu un sistema institucional de resoluci\u00f3 extrajudicial de conflictes entre les entitats financeres i els clients integrat per la mateixa Autoritat.<\/p>","protected":false},"excerpt":{"rendered":"<p>Nova Autoritat Independent per a Defensa del Client Financer. Resol conflictes bancaris, assegurances i inversions de forma vinculant.<\/p>","protected":false},"author":1,"featured_media":386,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"normal-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"disabled","ast-banner-title-visibility":"disabled","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"disabled","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[9],"tags":[],"class_list":["post-234","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-derecho-bancario-financiero-y-de-seguros"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Defensa del Cliente financiero. Autoridad Administrativa Independiente. - Afirma Juridico<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/afirmajuridico.com\/cat\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Defensa del Cliente financiero. Autoridad Administrativa Independiente. - Afirma Juridico\" \/>\n<meta property=\"og:description\" content=\"Nueva Autoridad Independiente para Defensa del Cliente Financiero. Resuelve conflictos bancarios, de seguros e inversiones de forma vinculante.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/afirmajuridico.com\/cat\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/\" \/>\n<meta property=\"og:site_name\" content=\"Afirma Juridico\" \/>\n<meta property=\"article:published_time\" content=\"2022-12-02T09:56:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-02-13T08:35:01+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/afirmajuridico.com\/wp-content\/uploads\/2022\/12\/pexels-pavel-danilyuk-8112151-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1709\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Afirma\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Afirma\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/\"},\"author\":{\"name\":\"Afirma\",\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/#\\\/schema\\\/person\\\/845c7a11f835d907e805df6115b2fa96\"},\"headline\":\"Defensa del Cliente financiero. Autoridad Administrativa Independiente.\",\"datePublished\":\"2022-12-02T09:56:00+00:00\",\"dateModified\":\"2024-02-13T08:35:01+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/\"},\"wordCount\":242,\"image\":{\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/afirmajuridico.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/pexels-pavel-danilyuk-8112151-scaled.jpg\",\"articleSection\":[\"Derecho bancario, financiero y de seguros\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/\",\"url\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/\",\"name\":\"Defensa del Cliente financiero. Autoridad Administrativa Independiente. - Afirma Juridico\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/afirmajuridico.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/pexels-pavel-danilyuk-8112151-scaled.jpg\",\"datePublished\":\"2022-12-02T09:56:00+00:00\",\"dateModified\":\"2024-02-13T08:35:01+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/#\\\/schema\\\/person\\\/845c7a11f835d907e805df6115b2fa96\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/#breadcrumb\"},\"inLanguage\":\"ca\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/#primaryimage\",\"url\":\"https:\\\/\\\/afirmajuridico.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/pexels-pavel-danilyuk-8112151-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/afirmajuridico.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/pexels-pavel-danilyuk-8112151-scaled.jpg\",\"width\":2560,\"height\":1709},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/afirmajuridico.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Defensa del Cliente financiero. Autoridad Administrativa Independiente.\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/#website\",\"url\":\"https:\\\/\\\/afirmajuridico.com\\\/\",\"name\":\"Afirma Juridico\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/afirmajuridico.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ca\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/afirmajuridico.com\\\/#\\\/schema\\\/person\\\/845c7a11f835d907e805df6115b2fa96\",\"name\":\"Afirma\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ca\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1dcbb142afb7b252bf012346fc3ed8ba498ea4fb1b4c8f9a2d71a019259674b3?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1dcbb142afb7b252bf012346fc3ed8ba498ea4fb1b4c8f9a2d71a019259674b3?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/1dcbb142afb7b252bf012346fc3ed8ba498ea4fb1b4c8f9a2d71a019259674b3?s=96&d=mm&r=g\",\"caption\":\"Afirma\"},\"sameAs\":[\"https:\\\/\\\/afirmajuridico.com\"],\"url\":\"https:\\\/\\\/afirmajuridico.com\\\/cat\\\/author\\\/afirma\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Defensa del client financer. Autoritat Administrativa Independent. - Afirma Juridico","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/afirmajuridico.com\/cat\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/","og_locale":"ca_ES","og_type":"article","og_title":"Defensa del Cliente financiero. Autoridad Administrativa Independiente. - Afirma Juridico","og_description":"Nueva Autoridad Independiente para Defensa del Cliente Financiero. Resuelve conflictos bancarios, de seguros e inversiones de forma vinculante.","og_url":"https:\/\/afirmajuridico.com\/cat\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/","og_site_name":"Afirma Juridico","article_published_time":"2022-12-02T09:56:00+00:00","article_modified_time":"2024-02-13T08:35:01+00:00","og_image":[{"width":2560,"height":1709,"url":"https:\/\/afirmajuridico.com\/wp-content\/uploads\/2022\/12\/pexels-pavel-danilyuk-8112151-scaled.jpg","type":"image\/jpeg"}],"author":"Afirma","twitter_card":"summary_large_image","twitter_misc":{"Escrit per":"Afirma","Temps estimat de lectura":"2 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/#article","isPartOf":{"@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/"},"author":{"name":"Afirma","@id":"https:\/\/afirmajuridico.com\/#\/schema\/person\/845c7a11f835d907e805df6115b2fa96"},"headline":"Defensa del Cliente financiero. Autoridad Administrativa Independiente.","datePublished":"2022-12-02T09:56:00+00:00","dateModified":"2024-02-13T08:35:01+00:00","mainEntityOfPage":{"@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/"},"wordCount":242,"image":{"@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/#primaryimage"},"thumbnailUrl":"https:\/\/afirmajuridico.com\/wp-content\/uploads\/2022\/12\/pexels-pavel-danilyuk-8112151-scaled.jpg","articleSection":["Derecho bancario, financiero y de seguros"],"inLanguage":"ca"},{"@type":"WebPage","@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/","url":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/","name":"Defensa del client financer. Autoritat Administrativa Independent. - Afirma Juridico","isPartOf":{"@id":"https:\/\/afirmajuridico.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/#primaryimage"},"image":{"@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/#primaryimage"},"thumbnailUrl":"https:\/\/afirmajuridico.com\/wp-content\/uploads\/2022\/12\/pexels-pavel-danilyuk-8112151-scaled.jpg","datePublished":"2022-12-02T09:56:00+00:00","dateModified":"2024-02-13T08:35:01+00:00","author":{"@id":"https:\/\/afirmajuridico.com\/#\/schema\/person\/845c7a11f835d907e805df6115b2fa96"},"breadcrumb":{"@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/#primaryimage","url":"https:\/\/afirmajuridico.com\/wp-content\/uploads\/2022\/12\/pexels-pavel-danilyuk-8112151-scaled.jpg","contentUrl":"https:\/\/afirmajuridico.com\/wp-content\/uploads\/2022\/12\/pexels-pavel-danilyuk-8112151-scaled.jpg","width":2560,"height":1709},{"@type":"BreadcrumbList","@id":"https:\/\/afirmajuridico.com\/defensa-del-cliente-financiero-autoridad-administrativa-independiente\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/afirmajuridico.com\/"},{"@type":"ListItem","position":2,"name":"Defensa del Cliente financiero. Autoridad Administrativa Independiente."}]},{"@type":"WebSite","@id":"https:\/\/afirmajuridico.com\/#website","url":"https:\/\/afirmajuridico.com\/","name":"Afirma Juridico","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/afirmajuridico.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Person","@id":"https:\/\/afirmajuridico.com\/#\/schema\/person\/845c7a11f835d907e805df6115b2fa96","name":"Afirma","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/secure.gravatar.com\/avatar\/1dcbb142afb7b252bf012346fc3ed8ba498ea4fb1b4c8f9a2d71a019259674b3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/1dcbb142afb7b252bf012346fc3ed8ba498ea4fb1b4c8f9a2d71a019259674b3?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1dcbb142afb7b252bf012346fc3ed8ba498ea4fb1b4c8f9a2d71a019259674b3?s=96&d=mm&r=g","caption":"Afirma"},"sameAs":["https:\/\/afirmajuridico.com"],"url":"https:\/\/afirmajuridico.com\/cat\/author\/afirma\/"}]}},"_links":{"self":[{"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/posts\/234","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/comments?post=234"}],"version-history":[{"count":2,"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/posts\/234\/revisions"}],"predecessor-version":[{"id":388,"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/posts\/234\/revisions\/388"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/media\/386"}],"wp:attachment":[{"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/media?parent=234"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/categories?post=234"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/afirmajuridico.com\/cat\/wp-json\/wp\/v2\/tags?post=234"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}