{"id":2903,"date":"2022-08-12T19:06:55","date_gmt":"2022-08-12T19:06:55","guid":{"rendered":"https:\/\/www.mosabogados.cl\/?p=2903"},"modified":"2022-09-30T16:33:58","modified_gmt":"2022-09-30T16:33:58","slug":"ley-chao-dicom","status":"publish","type":"post","link":"https:\/\/www.mosabogados.cl\/?p=2903","title":{"rendered":"LEY CHAO DICOM"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2903\" class=\"elementor elementor-2903\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-70fd01f9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70fd01f9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4e01ecb2\" data-id=\"4e01ecb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-87ed627 elementor-widget elementor-widget-text-editor\" data-id=\"87ed627\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>LEY CHAO DICOM<\/h2>\n<p><\/p>\n<figure class=\"wp-block-gallery-2 is-layout-flex wp-block-gallery-is-layout-flex\"><\/figure>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f55a28d elementor-widget elementor-widget-text-editor\" data-id=\"f55a28d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-weight: 400;\"><strong>Se despacha al Senado proyecto de ley que busca limitar el uso de datos sobre deudas impagas contra\u00eddas entre el estallido social y la pandemia.<\/strong><\/p>\n<p style=\"font-weight: 400;\">El proyecto de ley, tambi\u00e9n conocida popularmente como \u201cChao Dicom\u201d, busca establecer que las empresas responsables de los registros de datos personales que trabajan con informaci\u00f3n de tipo econ\u00f3mico, financiero, bancario o comercial, no puedan comunicar ni publicar en sus registros obligaciones impagas inferiores a dos millones quinientos mil pesos, contra\u00eddas entre el estallido social y la pandemia.<\/p>\n<p style=\"font-weight: 400;\">La iniciativa, aunque acotada, busca que las personas a las cuales se les hizo imposible mantener al d\u00eda el pago de sus cuentas y que se hallen comprendidas entre el periodo del 18 de octubre de 2019 al 31 de mayo de 2022 puedan ser eliminadas de las plataformas que entregan informaci\u00f3n financiera sensible y que se encuentran reguladas por la ley sobre protecci\u00f3n de la vida privada.<\/p>\n<p style=\"font-weight: 400;\">La norma que se espera aprobar por el Senado, busca facilitar el acceso al cr\u00e9dito o la postulaci\u00f3n de un puesto de trabajo de personas que mantienen deudas impagas y que cumplen con los criterios de tiempo y monto de dinero. Lo relevante, es que el tope de dos millones quinientos mil pesos excluye intereses, reajustes o cualquier otro cobro adicional.<\/p>\n<p style=\"font-weight: 400;\">En consecuencia, la empresa acreedora no solo estar\u00e1 obligada a abstenerse de publicar estos datos, sino que tambi\u00e9n no podr\u00e1 comunicar que los titulares fueron beneficiados con esta norma.<\/p>\n<p style=\"font-weight: 400;\">Lo anterior tambi\u00e9n aplica para los <strong><em>distribuidores de informaci\u00f3n<\/em><\/strong> de car\u00e1cter econ\u00f3mico, financiero, bancario o comercial. Se considera distribuidores a las personas naturales o jur\u00eddicas que realizan directamente el tratamiento, comunicaci\u00f3n y comercializaci\u00f3n de los datos de obligaciones econ\u00f3micas.<\/p>\n<p style=\"font-weight: 400;\">Dentro de lo novedoso, es que la misma norma establece las sanciones en caso de incumplimiento de lo dispuesto en ella y castiga la omisi\u00f3n o uso malicioso de la informaci\u00f3n de deudas con multas que ir\u00e1n desde las 1.000 hasta las 2.250 UTM.<\/p>\n<p style=\"font-weight: 400;\">La discusi\u00f3n en sala se bas\u00f3 principalmente en que la pandemia provoc\u00f3 o agudiz\u00f3 \u00a0las problem\u00e1ticas econ\u00f3micas en los hogares del pa\u00eds, pero fue inevitable tambi\u00e9n abarcar los negativos efectos que signific\u00f3 el estallido social desde una perspectiva comercial.<\/p>\n<p style=\"font-weight: 400;\">En el pa\u00eds, las \u00faltimas cifras del INE muestran una tasa de desocupaci\u00f3n que alcanza el 7,8% durante el trimestre m\u00f3vil abril-junio del 2022, los parlamentarios que impulsan la ley han argumentado que entre las miles de personas cesantes, muchas figuran en el historial del Dicom, lo que suma a las razones de que no puedan encontrar trabajo.<\/p>\n<p style=\"font-weight: 400;\">En esa l\u00ednea, parte de la Sala dijo que la norma otorga un respiro y permite que las familias puedan recuperarse. No obstante, igualmente se advirti\u00f3 sobre una eventual precarizaci\u00f3n del cr\u00e9dito. Para muchos la iniciativa no es m\u00e1s que una \u201cmala\u201d pol\u00edtica p\u00fablica que podr\u00eda generar falsas expectativas y afectar la moralidad de pago.<\/p>\n<p style=\"font-weight: 400;\">Para los detractores no dar a conocer esta informaci\u00f3n, permite a las personas sobre endeudarse. Dicha situaci\u00f3n solo servir\u00eda a los bancos, expresaron desde otro punto de vista. As\u00ed, se consider\u00f3 que no es la mejor ayuda que se puede brindar a las pymes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374715b elementor-widget elementor-widget-text-editor\" data-id=\"374715b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Conoce m\u00e1s de nuestras<\/p>\n<h2 class=\"elementor-heading-title elementor-size-default\">\u00c1REAS DE PR\u00c1CTICA<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad944e3 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"ad944e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.mosabogados.cl\/areas-de-practica\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">M\u00e1s informaci\u00f3n<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3559989 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3559989\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d1388ab\" data-id=\"d1388ab\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-05446c2 elementor-widget elementor-widget-text-editor\" data-id=\"05446c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Si necesitas nuestro servicio en nuestras<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d683477 elementor-widget elementor-widget-text-editor\" data-id=\"d683477\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\u00c1REAS DE PR\u00c1CTICA<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ce083f elementor-widget 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El proyecto de ley, tambi\u00e9n conocida popularmente como \u201cChao Dicom\u201d, busca establecer que las empresas responsables de los registros de datos personales que trabajan con informaci\u00f3n de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2908,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","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":"","background-image":"","background-repeat":"repeat","background-position":"center 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