Para establecer guías voluntarias para la oferta de préstamos basados en datos alternativos en instituciones financieras y fintech; promover el uso de historiales de pagos móviles, datos de redes sociales, consumo de servicios públicos y otros indicadores no tradicionales para evaluar capacidad crediticia; fomentar la inclusión financiera sin imponer costos adicionales al erario ni obligaciones mandatorias a las entidades o consumidores; y para otros fines relacionados

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 2 Compare versions History 4 Sponsors

No summary has been published for this bill. The full text is on the Bill text tab.

Chamber: Senate
Introduced: Feb 6, 2026
Last action: Apr 21, 2026 — Comisión no recomienda aprobación de la medida
Session: 2025-2028
Momentum: 28 · Low

PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base In Committee — base rate 8%, measured from PR's completed sessions
Momentum -5 28/100 from the pace of recorded action
Time since last action -22 174 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.