{"id":2579,"date":"2014-06-05T03:18:00","date_gmt":"2014-06-05T03:18:00","guid":{"rendered":"http:\/\/www.lospoliticosveracruz.com.mx\/?p=2579"},"modified":"2014-10-10T03:00:25","modified_gmt":"2014-10-10T03:00:25","slug":"casas-de-empeno-usura-y-encubrimiento","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=2579","title":{"rendered":"Casas de empe\u00f1o, usura y encubrimiento"},"content":{"rendered":"

Luis Alberto Romero<\/b>
Hora Cero<\/i><\/p>\n

Exceptuando a las fundaciones que operan casas de empe\u00f1o y que realizan un interesante trabajo social, como el Nacional Monte de Piedad, por citar un ejemplo, la mayor\u00eda de estos giros no son m\u00e1s que lucrativos negocios, sin demasiada reglamentaci\u00f3n, que operan en la impunidad, que imponen elevadas tasas de inter\u00e9s y que en realidad terminan por convertirse en promotores de la usura.
Las casas de empe\u00f1o, cuya existencia se ampara legalmente en la Fracci\u00f3n Tercera del Art\u00edculo 27 Constitucional que se refiere a las instituciones de beneficencia, son negocios que se dedican a los pr\u00e9stamos con garant\u00eda prendaria<\/a>
De acuerdo con la propia ley en vigor, el C\u00f3digo Civil Federal, las instituciones de asistencia privada pueden ser fundaciones o asociaciones; en el primer caso, son personas morales que se constituyen para la realizaci\u00f3n de actos de asistencia social; en el segundo, se trata de personas morales que obtienen donativos para sostener la instituci\u00f3n, sin m\u00e1s aportaci\u00f3n de los socios que los servicios personales.
En teor\u00eda, son instituciones de asistencia social sin fines de lucro. En realidad, no son m\u00e1s que giros mercantiles que operan con elevadas tasas de inter\u00e9s, sin mayor regulaci\u00f3n oficial y sin control alguno.
En nuestro pa\u00eds, hasta hace 5 a\u00f1os operaban unas mil casas de empe\u00f1o; luego comenzaron a crearse m\u00e1s y m\u00e1s, con la modalidad de franquicias, que llegaron a todos los rincones de la Rep\u00fablica. Hoy son m\u00e1s de 9 mil empresas que registran ganancias por 10 mil millones de pesos anuales, cifra que se explica por las elevadas tasas de inter\u00e9s que manejan; la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios<\/a> Financieros, por ejemplo, se\u00f1ala que los intereses que manejan esos giros llegan al 159 por ciento. La Procuradur\u00eda Federal del Consumidor, por su parte, refiere que hay casos en que se cobra hasta el 300 por ciento del valor de la prenda.
Por ello, en el \u00e1mbito nacional hay consenso en cuanto a la necesidad de regular la actividad de las casas de empe\u00f1o, para evitar los abusos que son frecuentes y que afectan a m\u00e1s de 30 millones de personas en el pa\u00eds.
Sin embargo, los intereses y la usura no son los \u00fanicos temas que vienen a la mente cuando nos referimos a las casas de empe\u00f1o, que tambi\u00e9n est\u00e1n convertidas en giros que protegen a los delincuentes; en esas empresas es com\u00fan encontrar objetos robados, porque los receptores de las prendas no piden facturas a los usuarios de sus servicios.
En gran medida, por eso las \u00e1reas de remate de las casas de empe\u00f1o est\u00e1n saturadas, porque a un delincuente le es f\u00e1cil colocar en esos giros los objetos robados, sabiendo de antemano que no le solicitan facturas, ni realizan una investigaci\u00f3n, aunque sea elemental, sobre la procedencia de los art\u00edculos; y as\u00ed, esos negocios, que se escudan en la figura de fundaciones, se convierten en parte de un delito, el encubrimiento.
Precisamente, a la Legislatura del Estado lleg\u00f3 una iniciativa de reforma a los C\u00f3digos Penal y de Procedimientos Penales, turnada por el ejecutivo estatal, a fin de obligar a las casas de empe\u00f1o a presentar reportes mensuales ante la Procuradur\u00eda de Justicia sobre sus actividades para evitar las operaciones con los objetos que son producto de un delito.
Hasta hoy, en el \u00e1mbito nacional, 22 entidades cuentan con leyes que se refieren al funcionamiento de las casas de empe\u00f1o; s\u00f3lo 10 no regulan las actividades de esos giros, Veracruz entre ellas. Esperemos que la iniciativa se apruebe para que esos negocios dejen de operar en la impunidad. @luisromero85, http:\/\/luisromero85.blogspot.mx\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Luis Alberto RomeroHora Cero Exceptuando a las fundaciones que operan casas de empe\u00f1o y que realizan un interesante trabajo social, como el Nacional Monte de Piedad, por citar un ejemplo, la mayor\u00eda de estos giros no son m\u00e1s que lucrativos negocios, sin demasiada reglamentaci\u00f3n, que operan en la impunidad, que imponen elevadas tasas de inter\u00e9s […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[1],"tags":[],"class_list":{"0":"post-2579","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-sin-categoria"},"yoast_head":"\nCasas de empe\u00f1o, usura y encubrimiento - Los pol\u00edticos Veracruz<\/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:\/\/lospoliticosveracruz.com\/?p=2579\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Casas de empe\u00f1o, usura y encubrimiento - Los pol\u00edticos Veracruz\" \/>\n<meta property=\"og:description\" content=\"Luis Alberto RomeroHora Cero Exceptuando a las fundaciones que operan casas de empe\u00f1o y que realizan un interesante trabajo social, como el Nacional Monte de Piedad, por citar un ejemplo, la mayor\u00eda de estos giros no son m\u00e1s que lucrativos negocios, sin demasiada reglamentaci\u00f3n, que operan en la impunidad, que imponen elevadas tasas de inter\u00e9s […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lospoliticosveracruz.com\/?p=2579\" \/>\n<meta property=\"og:site_name\" content=\"Los pol\u00edticos Veracruz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/people\/Notimemes-de-los-Polticos\/61565672886568\/\" \/>\n<meta property=\"article:published_time\" content=\"2014-06-05T03:18:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2014-10-10T03:00:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lospoliticosveracruz.com\/wp-content\/uploads\/2016\/07\/Logo-Dor.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"200\" \/>\n\t<meta property=\"og:image:height\" content=\"200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"lospoladmin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@LosPoliticosVer\" \/>\n<meta name=\"twitter:site\" content=\"@LosPoliticosVer\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"lospoladmin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/lospoliticosveracruz.com\\\/?p=2579#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/lospoliticosveracruz.com\\\/?p=2579\"},\"author\":{\"name\":\"lospoladmin\",\"@id\":\"https:\\\/\\\/lospoliticosveracruz.com\\\/#\\\/schema\\\/person\\\/c5fee8df75ee4700bd7f8e92859bd696\"},\"headline\":\"Casas de empe\u00f1o, usura y encubrimiento\",\"datePublished\":\"2014-06-05T03:18:00+00:00\",\"dateModified\":\"2014-10-10T03:00:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/lospoliticosveracruz.com\\\/?p=2579\"},\"wordCount\":652,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/lospoliticosveracruz.com\\\/#organization\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/lospoliticosveracruz.com\\\/?p=2579#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/lospoliticosveracruz.com\\\/?p=2579\",\"url\":\"https:\\\/\\\/lospoliticosveracruz.com\\\/?p=2579\",\"name\":\"Casas de empe\u00f1o, usura y encubrimiento - 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