IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS

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Over the past few years, some Indecopi decision-making bodies specialized in consumer protection have requested information from various financial entities about the passive operations of complaining consumers, within the framework of a sanctioning administrative procedure. This requirement is legal...

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Detalles Bibliográficos
Autores: Huamán Núñez, Ayrton Erick, Damián Medina, Omar Alfredo
Formato: artículo
Fecha de Publicación:2024
Institución:Universidad de San Martín de Porres
Repositorio:Revistas - Universidad de San Martín de Porres
Lenguaje:español
OAI Identifier:oai:revistas.usmp.edu.pe:article/2977
Enlace del recurso:https://portalrevistas.aulavirtualusmp.pe/index.php/VJ/article/view/2977
Nivel de acceso:acceso abierto
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spelling IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS¿AUTORIZACIÓN IMPLÍCITA? LA VIOLACIÓN DEL SECRETO BANCARIO EN LOS PROCEDIMIENTOS SANCIONADORES EN PROTECCIÓN AL CONSUMIDORHuamán Núñez, Ayrton Erick Damián Medina, Omar Alfredo Huamán Núñez, Ayrton Erick Damián Medina, Omar Alfredo Over the past few years, some Indecopi decision-making bodies specialized in consumer protection have requested information from various financial entities about the passive operations of complaining consumers, within the framework of a sanctioning administrative procedure. This requirement is legally invalid, as it violates the pro hominem constitutional principle, the material truth principle and the consent principle in matters of personal data. However, if the financial entity provides said information in the context indicated above, it could not be penalized, since one of the exemptions from liability provided in the General Administrative Procedure Law would be configured.Durante los últimos años, algunos órganos resolutivos del Indecopi especializados en protección al consumidor han solicitado a diversas entidades financieras información sobre las operaciones pasivas de los consumidores denunciantes, en el marco de un procedimiento administrativo sancionador. Este requerimiento es jurídicamente inválido, en tanto que infringe el principio constitucional pro hominen, el principio de verdad material y el principio de consentimiento en materia de datos personales. No obstante, en caso la entidad financiera suministre dicha información en el contexto antes indicado, no podría ser sancionada, pues se configuraría uno de los eximentes de responsabilidad previstos en la Ley de Procedimiento Administrativo General.Fondo Editorial de la Universidad de San Martín de Porres2024-11-29info:eu-repo/semantics/articleinfo:eu-repo/semantics/publishedVersionapplication/pdftext/xmlhttps://portalrevistas.aulavirtualusmp.pe/index.php/VJ/article/view/2977Vox Juris; Vol. 43 No. 1 (2025); 140-150Vox Juris; Vol. 43 Núm. 1 (2025); 140-1502521-52801812-6804reponame:Revistas - Universidad de San Martín de Porresinstname:Universidad de San Martín de Porresinstacron:USMPspahttps://portalrevistas.aulavirtualusmp.pe/index.php/VJ/article/view/2977/3709https://portalrevistas.aulavirtualusmp.pe/index.php/VJ/article/view/2977/3710Derechos de autor 2024 Ayrton Erick Huamán Núñez, Omar Alfredo Damián Medinahttp://creativecommons.org/licenses/by/4.0info:eu-repo/semantics/openAccessoai:revistas.usmp.edu.pe:article/29772024-11-29T15:48:23Z
dc.title.none.fl_str_mv IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS
¿AUTORIZACIÓN IMPLÍCITA? LA VIOLACIÓN DEL SECRETO BANCARIO EN LOS PROCEDIMIENTOS SANCIONADORES EN PROTECCIÓN AL CONSUMIDOR
title IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS
spellingShingle IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS
Huamán Núñez, Ayrton Erick
title_short IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS
title_full IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS
title_fullStr IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS
title_full_unstemmed IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS
title_sort IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS
dc.creator.none.fl_str_mv Huamán Núñez, Ayrton Erick
Damián Medina, Omar Alfredo
Huamán Núñez, Ayrton Erick
Damián Medina, Omar Alfredo
author Huamán Núñez, Ayrton Erick
author_facet Huamán Núñez, Ayrton Erick
Damián Medina, Omar Alfredo
author_role author
author2 Damián Medina, Omar Alfredo
author2_role author
description Over the past few years, some Indecopi decision-making bodies specialized in consumer protection have requested information from various financial entities about the passive operations of complaining consumers, within the framework of a sanctioning administrative procedure. This requirement is legally invalid, as it violates the pro hominem constitutional principle, the material truth principle and the consent principle in matters of personal data. However, if the financial entity provides said information in the context indicated above, it could not be penalized, since one of the exemptions from liability provided in the General Administrative Procedure Law would be configured.
publishDate 2024
dc.date.none.fl_str_mv 2024-11-29
dc.type.none.fl_str_mv info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
format article
status_str publishedVersion
dc.identifier.none.fl_str_mv https://portalrevistas.aulavirtualusmp.pe/index.php/VJ/article/view/2977
url https://portalrevistas.aulavirtualusmp.pe/index.php/VJ/article/view/2977
dc.language.none.fl_str_mv spa
language spa
dc.relation.none.fl_str_mv https://portalrevistas.aulavirtualusmp.pe/index.php/VJ/article/view/2977/3709
https://portalrevistas.aulavirtualusmp.pe/index.php/VJ/article/view/2977/3710
dc.rights.none.fl_str_mv Derechos de autor 2024 Ayrton Erick Huamán Núñez, Omar Alfredo Damián Medina
http://creativecommons.org/licenses/by/4.0
info:eu-repo/semantics/openAccess
rights_invalid_str_mv Derechos de autor 2024 Ayrton Erick Huamán Núñez, Omar Alfredo Damián Medina
http://creativecommons.org/licenses/by/4.0
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
text/xml
dc.publisher.none.fl_str_mv Fondo Editorial de la Universidad de San Martín de Porres
publisher.none.fl_str_mv Fondo Editorial de la Universidad de San Martín de Porres
dc.source.none.fl_str_mv Vox Juris; Vol. 43 No. 1 (2025); 140-150
Vox Juris; Vol. 43 Núm. 1 (2025); 140-150
2521-5280
1812-6804
reponame:Revistas - Universidad de San Martín de Porres
instname:Universidad de San Martín de Porres
instacron:USMP
instname_str Universidad de San Martín de Porres
instacron_str USMP
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reponame_str Revistas - Universidad de San Martín de Porres
collection Revistas - Universidad de San Martín de Porres
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IMPLIED AUTHORIZATION? VIOLATION OF BANK SECRECY IN CONSUMER PROTECTION PROCEDURES THAT DEAL WITH PASSIVE OPERATIONS
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