Digitalización del crédito al consumo de corto plazo y costo alto: Guía para supervisores

Digitalisation of processes has the capacity to transform the availability and provision of credit for the better. However, in the context of short-term, high-cost consumer credit, it may also introduce new risks and aggravate the risks already associated with these types of loans. This document aims to facilitate and strengthen the development and use of effective supervisory tools and approaches to deter unsuitable or irresponsible lending practices. This work may help jurisdictions to identify gaps and weaknesses in their existing regulatory regimes, including their supervisory and enforcement capabilities. The Guidance is supported with specific actions, based on existing supervisory approaches, that supervisors may carry out in order to pursue principles set out in the Guidance. (Texto en inglés)