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La información como instrumento de protección de los consumidores, los consumidores financieros y los inversionistas consumidores

Authors: Blanco Barón, Constanza;

La información como instrumento de protección de los consumidores, los consumidores financieros y los inversionistas consumidores

Abstract

Este artículo se ocupa de examinar el problema de la información para los consumidores, desde lo económico, jurídico y social, proponiendo que lo mismo que las características de los bienes, servicios y productos 'escalan' en complejidad, también lo hacen los requisitos de información establecidos en la regulación para consumidores 'simples' que toman decisiones de consumo de bienes y servicios, consumidores financieros que adquieren productos y servicios financieros e inversionistas consumidores, que además de pertenecer a la categoría anterior, conforman portafolios de títulos valores. Igualmente, concluye que los mayores requisitos de información para productores y proveedores, entidades financieras y emisores de valores, y sus agentes de reputación, en cada caso, no tienen equivalentes en las responsabilidades de los consumidores, poniendo en duda la efectividad de la regulación, y llamando la atención sobre la necesidad de políticas de educación del consumidor en todas sus escalas. This article deals with the problem of information for consumers, from an economic, legal, and social point of view, by proposing that, as the characteristics of goods, services, and products ''scale up'' in complexity, information requirements in regulation for ''ordinary'' consumers -who make decisions on consumption of goods and services- also do it; ... ?? financial consumers purchasing financial products and services; and consumer investors, that are both, financial consumers and investors in the securities market. At the same time, the article concludes that, the greatest information requirements for producers and suppliers, financial institutions and issuers of securities (and their reputational agents), in each case, have no equivalent in consumers' responsibilities, thus questioning the effectiveness of regulation and drawing attention about the need for consumer's education policies in all scales.

Country
Colombia
Related Organizations
Keywords

financial consumer regulation, Consumer protection regulation, Leyes de protección al consumidor, consumer investor regulation, regulación del inversionista consumidor, regulación del consumidor financiero

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selected citations
These citations are derived from selected sources.
This is an alternative to the "Influence" indicator, which also reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Citations provided by BIP!
popularity
This indicator reflects the "current" impact/attention (the "hype") of an article in the research community at large, based on the underlying citation network.
BIP!Popularity provided by BIP!
influence
This indicator reflects the overall/total impact of an article in the research community at large, based on the underlying citation network (diachronically).
BIP!Influence provided by BIP!
impulse
This indicator reflects the initial momentum of an article directly after its publication, based on the underlying citation network.
BIP!Impulse provided by BIP!
0
Average
Average
Average
Green