{"id":14944,"date":"2023-06-28T09:02:21","date_gmt":"2023-06-28T07:02:21","guid":{"rendered":"https:\/\/www.adecose.com\/?p=14944"},"modified":"2023-06-28T09:03:11","modified_gmt":"2023-06-28T07:03:11","slug":"adecose-lamenta-que-la-cnmc-archive-el-expediente-contra-la-banca-por-la-vinculacion-de-seguros-a-los-prestamos-ico-covid","status":"publish","type":"post","link":"https:\/\/www.adecose.com\/en\/adecose-lamenta-que-la-cnmc-archive-el-expediente-contra-la-banca-por-la-vinculacion-de-seguros-a-los-prestamos-ico-covid\/","title":{"rendered":"ADECOSE lamenta que la CNMC archive el expediente contra la banca por la vinculaci\u00f3n de seguros a los pr\u00e9stamos ICO Covid  \u00a0"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overflow=&#8221;visible&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_direction_desktop=&#8221;default&#8221; column_element_spacing=&#8221;default&#8221; desktop_text_alignment=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_backdrop_filter=&#8221;none&#8221; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; column_position=&#8221;default&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; animation_type=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<ul>\n<li><strong><em>ADECOSE ha participado en el expediente sancionador aportando a la Comisi\u00f3n Nacional de los Mercados y la Competencia (CNMC) denuncias sobre posibles pr\u00e1cticas anticompetitivas relacionadas con la suscripci\u00f3n de productos aseguradores vinculados a los pr\u00e9stamos ICO-COVID por parte de algunas entidades financieras.<\/em><\/strong><\/li>\n<\/ul>\n<p>ADECOSE lamenta que no se hayan detectado irregularidades en el expediente sancionador que la CNMC abri\u00f3 contra la banca por la vinculaci\u00f3n de seguros a los pr\u00e9stamos ICO-COVID. ADECOSE ha sido la \u00fanica organizaci\u00f3n de la mediaci\u00f3n de seguros en ser requerida por la CNMC para colaborar en este procedimiento.<\/p>\n<p>Mediante un <a href=\"https:\/\/www.cnmc.es\/prensa\/archivo-prestamos-ico-cnmc-20230626\">comunicado<\/a>, la CNMC declara la inexistencia de infracci\u00f3n y\u00a0 archiva el procedimiento sancionador contra <strong>Caixabank, Bankia (ahora Caixabank), Banco Santander y Banco Sabadell<\/strong>\u00a0 por presuntos actos de competencia desleal cometidos en la comercializaci\u00f3n de los pr\u00e9stamos ICO-COVID a empresas y aut\u00f3nomos: <em>\u201ctras un largo per\u00edodo de investigaci\u00f3n, se concluye por la CNMC que no se ha acreditado la concurrencia de los elementos necesarios para considerar probada una infracci\u00f3n del articulo 3 de la LDC. La resoluci\u00f3n de la cuenta con un voto particular\u201d.<\/em><\/p>\n<p>Cabe recordar que ADECOSE reclam\u00f3, a trav\u00e9s de la <strong>consulta p\u00fablica del Plan de Actuaciones (2021-2022) de la CNMC<\/strong>, la creaci\u00f3n de un <strong>canal espec\u00edfico<\/strong> para recoger reclamaciones sobre conductas abusivas y anticompetitivas y medidas de supervisi\u00f3n. Es por ello que la CNMC inst\u00f3 a ADECOSE a aportar informaci\u00f3n sobre las quejas trasladadas por sus socios, notificando <strong>denuncias sobre posibles pr\u00e1cticas de car\u00e1cter anticompetitivo<\/strong> por parte de entidades financieras que <strong>vinculan, supeditan o condicionan la concesi\u00f3n de financiaci\u00f3n<\/strong> a la previa contrataci\u00f3n de seguros por parte de particulares y\/o empresas; o que utilizan de <strong>manera privilegiada e inadecuada la informaci\u00f3n<\/strong> <strong>disponible de los clientes<\/strong> relativa al tipo de productos que tienen contratados o a las condiciones econ\u00f3micas de las primas que satisfacen.<\/p>\n<p>Esta acci\u00f3n se coordin\u00f3 con la inestimable colaboraci\u00f3n de <strong>Cojebro, Espabrok y Senda Vivir Seguros<\/strong>, en el marco del acuerdo de colaboraci\u00f3n entre las cuatro organizaciones. En este sentido, Mart\u00edn Navaz, presidente de ADECOSE, agradece \u201c<em>la colaboraci\u00f3n de las corredur\u00edas que han aportado informaci\u00f3n y han priorizado este tema en sus organizaciones\u201d <\/em>y reconoce que \u201c<em>se ha tratado de una oportunidad \u00fanica para la mediaci\u00f3n\u201d<\/em>.<\/p>\n<p>La Asociaci\u00f3n seguir\u00e1 trabajando para que en las pr\u00f3ximas reformas legislativas se refuerce la protecci\u00f3n al consumidor, tal y como ha venido haciendo mediante las propuestas de enmiendas de protecci\u00f3n al cliente hipotecario presentadas al Proyecto de Ley de creaci\u00f3n de la Autoridad Administrativa Independiente de Defensa del Cliente Financiero; y a trav\u00e9s de la elaboraci\u00f3n del informe <strong>\u201cProtecci\u00f3n de los clientes en la distribuci\u00f3n de seguros: El caso Banca-Seguros\u201d,<\/strong> que analiza a operativa de las entidades financieras al comercializar sus productos en Espa\u00f1a y en Europa, cuyas conclusiones se han presentado a los principales \u00d3rganos de la Administraci\u00f3n y Grupos parlamentarios.<\/p>\n[\/vc_column_text][nectar_single_testimonial testimonial_style=&#8221;small_modern&#8221; color=&#8221;Default&#8221; quote=&#8221;&#8220;Agradecemos la colaboraci\u00f3n de las corredur\u00edas que han aportado informaci\u00f3n y han priorizado este tema en sus organizaciones, ha sido una oportunidad \u00fanica para la mediaci\u00f3n\u201d.&#8221; name=&#8221;Mart\u00edn Navaz&#8221; subtitle=&#8221;Presidente de ADECOSE&#8221;][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; 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