LAW NO. 20,555 AMEND LAW NO. 19.496 ON THE PROTECTION OF CONSUMER RIGHTS, IN ORDER TO PROVIDE THE NATIONAL CONSUMER SERVICE WITH POWERS IN FINANCIAL MATTERS, AMONG OTHERS, bearing in mind that the National Congress has given its adoption of the following draft law: "Article 1.-The following amendments are introduced in Law No 19.496 on the protection of consumer rights: 1. In Article 3 the following second indent is added:" They are rights of the consumer of financial products or services: (a) to receive information on the total cost of the product or service, including knowing the equivalent annual charge referred to in Article 17 G, and to be informed in writing of the reasons for the rejection of the financial service, which shall be based on objective conditions. (b) to know the objective conditions that the supplier establishes prior and publicly for access to credit and for other financial operations. (c) the timely release of the securities lodged to ensure compliance with their obligations, once they have been extinguished. (d) To choose the valuer of the goods offered as collateral, among the alternatives presented by the financial institution. (e) Know the total settlement of the claim, at its sole request. "2. First, in Article 10 (c), the sentence", in accordance with the provisions of Article 55 ". 3. Add, following Article 17, the following Articles 17 A to 17 L: " Article 17 A.-The suppliers of goods and services whose conditions are expressed in accession contracts shall inform in simple terms the collection of goods and services already provided, thus understanding that the presentation of this information should allow the consumer to verify whether the charge made is in accordance with the conditions and the prices, charges, costs, fees and commissions described in the contract. In addition, any promotion of such goods and services will always indicate the total cost of the goods and services. Article 17 B.-Contracts for the accession of credit services, insurance services and, in general, for any financial product, prepared by banks and financial institutions or by companies supporting their rotation, commercial establishments, companies insurance, clearing boxes, savings and credit cooperatives, and any natural or legal person providing such services or products, shall specify at least, in order to promote their simplicity and transparency, the following: a) A detailed breakdown of all charges, commissions, costs and fees that explain the effective value of the services provided, including those charges, commissions, costs and associated fees that are not directly part of the price or that correspond to other products contracted at the same time and, where appropriate, the collection exemptions corresponding to promotions or incentives for the use of financial services and products. (b) the grounds which shall give rise to the termination of the contract by the provider, the reasonable period within which that term shall be effective and the means by which it shall be communicated to the consumer. (c) the duration of the contract or its indefinite or renewable character automatically, the causes, if any, which may give rise to its anticipated term by the sole will of the consumer, with their respective prior notice periods and any cost per term or full or partial advance payment that represents you. (d) without prejudice to the first subparagraph of Article 17 H, in the case of a contract for several products or services at the same time, or for the product or main service to involve the procurement of other goods or services; (a) an annex to which each of the goods or services is identified must be inserted, clearly stipulating which are compulsory by law and which volunteers, each of which must be expressly and separately approved; and Consumer-related services by means of their signature on the consumer. (e) If the institution has a customer service that addresses the consumer's queries and claims and points out in an annex the requirements and procedures for accessing those services. f) Whether or not the contract has a SERNAC stamp in force in accordance with Article 55 of this Law. (g) the existence of mandates granted under the contract or as a result of the contract, its purposes and the mechanisms by which it shall be accountable to the consumer. Blank commands and those that do not support their revocation by the consumer are prohibited. Contracts that consider charges, commissions, costs or fees for use, maintenance or other purposes must clearly specify their amounts, periodicity and readjustment mechanisms. The latter must always be based on objective conditions which do not depend on the sole criterion of the supplier and which are directly verifiable by the consumer. However, the applicable values must be communicated to the consumer thirty days in advance, at least in respect of their entry into force. Article 17 C.-Contracts for the accession of financial products and services shall contain at the beginning a sheet with a standardised summary of their main clauses and the suppliers shall include this sheet in their contributions, in order to facilitate their comparison by consumers. Regulations that are issued in accordance with this law shall establish the format, content and other characteristics that this summary sheet shall contain, which may differ between the various categories of products and services. financial. Article 17 D-Financial service providers agreed upon by accession contracts shall communicate on a regular basis, within the maximum period of three working days at the request of the consumer, the information relating to the service provided to let you know: the total price already charged for the contracted services, the total cost involved in putting an end to the contract before the originally agreed expiration date, the total value of the service, the equivalent annual charge, if corresponds, and other relevant information to be determined by the regulation on the conditions of contracted service. The content and presentation of such information shall be determined in the regulations to be laid down in accordance with Article 62. Suppliers may not make changes in the prices, fees, charges, commissions, costs and fees of a product or financial service, on the occasion of the renewal, refund or replacement of the physical support necessary for the use of the product or service whose contract is in force. In any event such renewal, refund or replacement may be conditional upon the conclusion of a new contract. Consumers will have the right to terminate one or more financial services in advance on their own will and provided that they fully extingthe obligations to the supplier associated with the specific services which the consumer decides terminate, including the cost per term or early payment determined in the contract of accession. Credit providers may not delay the term of credit agreements, their advance payment or any other management requested by the consumer which is intended to terminate the contractual relationship between the consumer and the entity providing such contracts. appropriations. Any delay exceeding 10 working days shall be deemed to be late once the obligations to the supplier associated with the specific services or services which the consumer decides to terminate, including the cost per term or payment, are completely extinguished. specified in the contract of accession. Suppliers shall also be required to deliver, within 10 working days, to the consumers who so request, the certificates and records necessary to renegotiate the credits they have contracted with the said consumer. entity. In the case of mortgage loans, in any of its forms, any other mortgage other than that which is under contract, unless written request of the debtor made by any means, may not be included in the contract of mutual interest. physical or technological. Fully extinguished the obligations under mortgages, the credit provider will proceed to grant the writing of cancellation of the mortgage or the mortgages, within a period of fifteen working days. Credit providers who offer the automatic payment or electronic transfer payment method may not restrict this offer to the electronic or electronic means being from the same institution, which must allow the Automatic payment or transfer can also be made by a different institution. Article 17 E.-The consumer concerned may request the nullity of one or more clauses or stipulations that infringe Article 17 B. This nullity may be declared by the judge in case the contract can be subsist with the other clauses or, failing that, the judge may order the adequacy of the relevant clauses, without prejudice to the compensation which may be determined in favour of the consumer. Such nullity may be invoked only by the consumer concerned, so that the supplier may not invoke it in order to exempt or delay the partial or total performance of the obligations imposed on him by the respective consumer contracts. Article 17 F.-Service providers or financial and insurance products to the general public may not send products or contracts representative of them that have not been requested, to the consumer's domicile or place of work. Article 17 G.-Suppliers shall report the equivalent annual charge in all advertising of credit operations in which a quota is reported or reference interest rate and to be carried out by any mass or individual means. In any case, they must give the advertising of the annual charge a treatment similar to that of the reference interest rate or interest rate, in terms of typography of the graph, extension, location, duration, diction, repetitions and level of hearing. However, the contributions may not be less than seven working days from their communication to the public, as determined by the regulation according to the nature of each contract. All prices, fees, charges, commissions, costs, fees, conditions and validity of the products offered together must also be reported on all credit contributions. They should also report comparisons with those same values and conditions in the event that they are contracted separately. This information should have a similar treatment to the reference interest rate or fee, as for typography of the graph, extension and location. Article 17 H.-Suppliers of financial products or services may not offer or sell products or services in a tied manner. It is understood that a product or financial service is sold in a tied manner if the supplier: (a) Imposes or conditions the consumer the hiring of other additional, special or related products or services, and (b) does not have it available to be (i) a separate contract when it is possible to contract with other suppliers, or having them available in such a way, to acquire it under arbitrary discriminatory conditions. Suppliers may not make increases in prices, interest rates, fees, commissions, costs or fees for a product or financial service that depends on the maintenance of another, in view of the closure or resolution of the latter by the Consumer protection, where the consumer is not responsible for this. In the case of contracts with the stamp referred to in Article 55 of this Law, if the customer service, the mediator or the financial arbitrator receives a claim filed by the consumer for non-compliance with the foregoing paragraph, the supplier must leave the change without effect and return the excess amounts to the consumer. The supplier of financial products or services may not restrict or condition that the purchase of consumer goods or services is carried out exclusively with a means of payment administered or operated by the same supplier, by a related undertaking or a society of support for spin. The foregoing is without prejudice to the right of the supplier to offer additional discounts or benefits associated exclusively to a means of payment administered or operated by any of the indicated subjects. Article 17 I.-Where the consumer has granted a mandate, an authorisation or any other legal act for the automatic payment of the whole or part of the balance of his account, his credit or his credit card, he may leave without effect mandate, authorisation or legal act at any time, without further formalities than those which it has had to fulfil in order to grant the legal act it is revoking. In any event, the revocation shall only take effect from the subsequent period of payment or payment corresponding to the obligation concerned. The non-execution of the informed revocation to the supplier of the product or service shall give rise to the compensation for all damages and shall make the infringement to this article presumed. Under no circumstances shall the supplier be liable for the fact that the revocation must be carried out by a third party. Article 17 J.-The suppliers of financial products or services shall, for each natural person who is obliged to be a guarantor or as a guarantor or co-debtor of a consumer, draw up and dispose of a document or explanatory statement on the role of the consumer. guarantor, guarantor or co-debtor in solidarity, as the case may be, which must be signed by her. This booklet should explain in a simple way: a) The duties and responsibilities of the guarantor, guarantor or co-debtor of solidarity, as appropriate, including the amount that should be paid. b) The means of collection that will be used to require payment, if any. (c) The grounds and consequences of the authorisations or mandates which it gives to the financial institution. Article 17 K.-Failure by a supplier of the provisions of Articles 17 B to 17 J and of the regulations issued for the implementation of these rules, which affects one or more consumers, shall be punished as a single infringement, with fine of up to seven hundred and fifty monthly tax units. Article 17 L.-Service providers or financial products which deliver the information required by this law in such a way as to mislead the consumer or by misleading advertising, without which the service has not been contracted or They shall be subject to the fines provided for in Article 24 in their respective cases, without prejudice to the compensation to be determined by the competent court in accordance with this law. 4. Intercalase in Article 26 the following second indent, passing the current one to be third indent: " The period referred to in the preceding paragraph shall be suspended when, within this period, the consumer enters a complaint to the service of attention to the client, the mediator or the National Consumer Service, as the case may be. That period shall continue to run after completion of the processing of the respective claim. " 5. The following sentence is added to the fourth paragraph of Article 30, following the separate point: " The same information, in addition to the essential characteristics and benefits of the products or services, must be indicated in internet sites where suppliers display the goods or services they offer and which comply with the conditions laid down in the Regulation. " 6. In addition, following Article 54 G, the following Title: "Title V of the SERNAC seal, the customer service and the Dispute Settlement System", passing to be VI the current Title V, and add under its heading the following Articles 55, 55 A, 55 B, 55 C, 55 D, 56, 56 A, 56 B, 56 C, 56 D, 56 E, 56 F, 56 G and 56 H: " Article 55.-The National Consumer Service shall grant a SERNAC stamp to the contracts of accession of banks and financial institutions, commercial establishments, insurance companies, clearing boxes, savings and credit cooperatives and others credit, insurance and, in general, any financial product, where such institutions so request and demonstrate compliance with the following conditions: 1.-That the National Consumer Service finds that all contracts of accession which they offer and which are referred to in the following paragraph are in accordance with this law and the regulatory provisions issued in accordance with it; 2. consumers, and 3.-That they allow the consumer to use a mediator or an arbitrator financial to resolve disputes, complaints or complaints, in the event that you consider that the customer service has not responded satisfactorily to your inquiries or claims for any product or financial service of the supplier to be granted on the basis of a contract of accession of those referred to in the following subparagraph. Suppliers of financial products and services wishing to obtain the SERNAC seal shall submit to the review of the National Consumer Service all the accession contracts they offer, relating to the following products and services. financial: 1.-Credit and debit cards. 2.-Current accounts, accounts and lines of credit. 3.-Savings accounts. 4.-Mortgage credits. 5.-Consumer credits. 6.-General conditions and special conditions of the collective agreements for the insurance of relief, unemployment, fire and earthquake, associated with the financial products and services indicated in the previous numbers, whether they are found or not subject to the system of deposit of model policies, in accordance with the provisions of Article 3 (e) of Decree No 251 of 1931, of the Ministry of Finance. 7.-Other financial products and services similar to those previously listed in the regulation. Article 55 A.-The National Consumer Service shall have sixty days to decide on a request for a SERNAC seal, counted from the date of receipt of the respective contracts, in the manner determined by that Service. by exempt resolution. Exceptionally, and upon request from the National Consumer Service, the Minister for Economic Affairs, Development and Tourism, by means of an exemption, may extend this period to an additional 80 days if the number of contracts subject to their consideration exceeds the detailed review capacity of the Service. If the National Consumer Service does not speak within the period referred to in the first subparagraph or, if applicable, within the period extended in accordance with the preceding subparagraph, the contract or contracts submitted to its knowledge shall have a SERNAC stamp on the sole ministry of law. Article 55 B.-The supplier who has contracts with SERNAC seal and offers to consumers the hiring of a product or financial service listed in the second paragraph of Article 55 by means of a new contract of accession, shall submit it to the National Consumer Service in advance for verification of compliance with the conditions laid down in that Article. The supplier of financial products and services which amends a contract of adhesion with SERNAC seal must submit it in advance to the National Consumer Service, in order for it to be found, within the period referred to in the first indent of the previous Article, that the amendments meet the conditions set out in the first paragraph of Article 55, if it wishes to maintain the SERNAC seal. Article 55 C.-The SERNAC seal may be revoked by resolution exempt from the Director of the National Consumer Service. The loss or revocation of the SERNAC seal shall be found in that for reasons attributable to the supplier of financial products or services, any of the conditions laid down in this Title have been infringed; in which final judgments have been given enforceable declaring the nullity of one or more clauses or stipulations of an accession contract concerning the financial products or services listed in the second indent of Article 55, as provided for in Article 17 E; fines have been levied for infringements of the provisions of this law in relation to products or financial services offered through a contract with SERNAC seal; in which fines have been applied by tax authorities with sanctioning powers with respect to infringements provided for in special laws; in the number and nature of consumer complaints against the application of those products or services; or, finally, in which the supplier, whether natural or legal person, or any of its administrators, has been formalised by a crime affecting a collective of consumers. The Regulation provided for in Article 62 (2), second indent, shall set out objective, quantifiable and proportional parameters for the size of the suppliers and the number of their customers subject to SERNAC-sealed contracts which allow for determine the origin of the causals identified. The resolution of the Director of the National Consumer Service that denies the granting of the SERNAC seal or that it revokes it, will be claimed by the Minister of Economy, Development and Tourism, within ten working days, counted since its notification to the supplier. The complaint shall be settled within 15 working days from its position. The decision ordering the loss or revocation shall require the supplier to immediately suspend all advertising relating to the stamp and any distribution of his contracts with graphic or written references to the stamp, as provided for in the regulation. Article 55 D.-Suppliers who promote or distribute a contract of accession of a product or financial service without a SERNAC seal as if they have it, or who do not comply with the obligations laid down in the final paragraph of Article 55 (c), shall be fined up to a thousand monthly tax units. The recidivism will be sanctioned with double the fine applied. In the case of this article, the temporary limit of one year set out in the third indent of Article 24 shall not be governed to qualify the recidivism. Article 56.-The customer service required to comply with the condition laid down in Article 55 (2), first subparagraph, shall be organized by the suppliers indicated in this Title, either exclusively or jointly, and it shall be free of charge to the consumer who has entered into a contract of accession for those referred to in the second indent of Article 55, with a supplier having the SERNAC stamp. The customer service will have to respond to the consumer's claims, within ten working days of its presentation. This reply shall be communicated to the consumer in writing or by any physical or technological means and shall be sent to the National Consumer Service. The supplier shall comply with the requirements of the customer service response within five working days from the communication to the consumer. In the event of non-compliance with the obligations set out in the previous two points, the National Consumer Service must report to the supplier before the competent local police judge, so that, if it comes, a fine of up to 50 monthly tax units, without prejudice to the right of the consumer concerned to report non-compliance with the obligations referred to above. Article 56 A.-The mediator and the financial arbitrator required to comply with the condition laid down in Article 55 (3), first subparagraph, may only intervene in a dispute, complaint or complaint filed by a consumer who does not comply with the response of the customer service and who has not exercised the actions conferred on him by this law before the competent court. The mediator and the financial arbitrator must be registered on a payroll drawn up by the National Consumer Service, which must be kept up to date and available on its website. This payroll must be divided regionally, specifying the communes and offices in which each mediator and financial arbitrator will be available to perform its function. The registration of the mediator and the financial arbitrator shall last for five years and for renewal it shall prove that it maintains the requirements of this Title. The mediator or the financial arbitrator, as the case may be, shall be chosen from the list referred to in the second subparagraph, by the supplier and the consumer by mutual agreement, within five working days of the dispute, complaint or Customer claim regarding Customer Service response. In the event of no agreement or expiry of the period indicated without the choice of common agreement, the consumer may require the National Consumer Service to designate it, within the members on the payroll to This article refers to the second paragraph of this article, by means of an automatic system that allows the workload of the financial intermediaries and arbitrators registered on the payroll to be shared equally. The resources for the payment of the fees of the mediator and the financial arbitrator shall be the responsibility of the suppliers, who shall enter, in accordance with the provisions of the regulation, semi-annually their respective share of the National Consumer Service, the fees of the mediators and the financial arbitrators who have known claims in respect of that supplier during the immediately preceding six months. The services of the mediator and the financial arbitrator shall be free of charge to the consumer and their fees shall be paid semi-annually by the National Consumer Service, according to a tariff fixed by resolution exempt from the Minister of Economy, Promotion and Tourism, which may set different fees for mediations and arbitrations, depending on the type of financial services or products. Article 56 B.-In order to integrate the payroll indicated in the previous article, the postulants to mediators must accredit the National Consumer Service who have professional title of a career of at least eight semesters of duration, granted by a higher education establishment recognised by the State, and experience not less than two years in financial, accounting or legal matters. In addition, they will not be able to have relations of dependency or subordination or of counseling, with any of the providers mentioned in this Title, nor have they been convicted of a crime that deserves to be afflictive. Applicants for financial arbitrators shall have the title of lawyer, accredit five years of professional experience and may not have relations of dependency or subordination or of advice, with any of the providers mentioned in this Title, nor have been convicted of a crime that deserves a penalty. The Regulation shall set out the time limits to be met by the parties concerned and the form of presentation and the means to be used by them in order to prove the circumstances listed in this Article, and the background to which they are required. accompany applications for registration. Mediators and financial arbitrators must inform the National Consumer Service about any changes or changes in the background or conditions that allowed them to be added to the payroll. The manner and periodicity in which these amendments are to be reported shall be laid down in the Regulation. The resolution that enrolls a mediator or a financial arbitrator on the payroll may be revoked when the person incurs one of the following causes: 1.-Loss of the requirements mentioned in this article. 2.-Repeatedly non-compliance with the obligation laid down in the first paragraph of Article 56 F, to notify the consumer, the supplier and the National Consumer Service of their final mediations or judgments, as appropriate, within the time limit which is pointed out. 3.-Failure to comply with the obligation to disable it as set out in the fifth indent of Article 56 C. Without prejudice to the foregoing, the National Director of the National Consumer Service may suspend the mediator or the financial arbitrator The Court of Justice has ruled that the Court of Justice should have the same legal basis. The Director of the National Consumer Service shall register the applicant who complies with the requirements for registration by means of an exemption. The decision rejecting or revoking the registration shall be claimed by the Minister of Economy, Development and Tourism within ten working days, from the date of notification to the applicant, mediator or financial arbitrator, if any. The complaint shall be settled within 15 working days from its position. The registration procedure, the revocation procedure and the complaint appeal shall be subject to the law N ° 19,880 as not provided for in this article. In any case, the candidate to whom the registration has been refused, and the mediator or the financial arbitrator to whom the registration has been revoked may exercise the jurisdictional actions which they consider to be from them. Article 56 C.-The mediator may only make proposals for agreement in a dispute, complaint or claim of jurisdiction according to the first paragraph of Article 56 A, if the amount of the disputed does not exceed one hundred units of promotion. The financial arbitrator may only be aware of a dispute, complaint or claim of jurisdiction under the first paragraph of Article 56 (a), if the amount of the dispute exceeds one hundred units of promotion, except in respect of lower amounts has assumed this quality in the case provided for in the third paragraph of Article 56 D. However, the mediator and the financial arbitrator may not intervene in the following cases: 1.-Those who are to be submitted to an ordinary court or tribunal special under another law. 2.-Those who have previously been subject to the knowledge of a competent judge by the recurring consumer. 3.-Those who have previously been subject to the knowledge of a competent judge in an action of collective or diffuse interest in which the consumer has appeared as a party. In any event, the prohibition of Article 230 of the Organic Code of Courts to submit to the knowledge of an arbitrator the causes of local police shall not be applicable to the financial arbitrator, provided that they are found in a dispute, complaint or complaint of Those referred to in Article 55 (3), first subparagraph, but the National Consumer Service shall report the infringement to the competent local police judge, who may apply to the supplier the fine which corresponds to the nature of the infringement. The mediator and the financial arbitrator, as appropriate, must be disabled in case they take knowledge that affects them a cause of implication or recusal of those provided for in paragraph 11 of Title VII of the Organic Code of Courts. The mediator and the financial arbitrator, as appropriate, shall assume their duties within three working days of the request or, where appropriate, communicate the legal reason which prevents them from doing so within the same period. Article 56 D.-The consumer who has not accepted the response of the customer service may request the appointment of a mediator or a financial arbitrator to this service, for which he will make his or her dispute, complaint or a written complaint or by any technological means suitable to attest to its presentation and to enable it to be reproduced. The customer service shall immediately communicate it to the supplier, with written record of the communication and of its date, in order to agree with the consumer within the time limit referred to in Article 56 (a), the mediator or the financial arbitrator who will assume the role, as appropriate. If there is no agreement within the period referred to above, the consumer may directly request the National Consumer Service to appoint him. The mediation shall be concluded within 30 working days following the acceptance of the appointment by the mediator and, where appropriate, the proposed agreement accepted by the parties must be met within 15 working days from the subscription by both parties of the document which takes account of the terms of the agreement and of its date, which must be given to an official of the National Consumer Service who is invested in the quality of the Minister of Faith, in accordance with Article 58a of this law, or before the official of the Civil Registry corresponding to the address of the consumer. After the period indicated without the parties having accepted the proposal for an agreement, the consumer may exercise the actions conferred on him by the law before the competent judge or ask the National Consumer Service to appoint a financial arbitrator within the time limit referred to in Article 56 (a) (4). Without prejudice to the consumer's alternatives referred to in the preceding subparagraph, if at the end of the period within which the mediation is to be concluded the mediator shall not (i) a proposal for the agreement of the parties, the consumer may require the National Consumer Service to replace it with another mediator on the payroll, and such a Service may remove it from the latter by means of an established free resolution. Article 56 E.-The financial arbitrator shall be subject to the rules applicable to the arbitrators of law with the powers of the arbitrator in respect of the procedure, which shall necessarily be initiated with a hearing to be held with both parties. within five working days of the acceptance of his designation. In this hearing, the financial arbitrator shall read the consumer's complaint or complaint, the response of the customer service and the mediator's proposal, if it corresponds; he shall listen immediately and without further processing to the parties that attend and receive the documents accompanying them, giving a minimum period of three working days to present their observations. The summons to this hearing and the decisions of the financial arbitrator shall be notified by electronic mail or registered letter as agreed by the parties, and shall account for the actions taken and their date. The consumer may personally appear before the financial arbitrator, but he may order, at any time, the intervention of a lawyer or a proxy empowered to intervene in the case where he considers it essential to to guarantee the right to consumer protection. The financial arbitrator shall give final judgment within 90 working days following the acceptance of the charge. After the period indicated without the final judgment being given, the National Consumer Service shall replace it with another financial arbitrator and may remove it from the payroll by means of an exemption. Any final judgment in the consumer's dispute, complaint or complaint shall be liable to the supplier to pay the costs of the arbitration, determining the fees of the lawyer or the consumer's authorized agent according to the tariff of the Chilean Bar Association. On the other hand, only the final judgment rejecting the dispute, complaint or complaint for having received the exception of a judgment brought by the supplier, may condemn the consumer to pay the fees of the financial arbitrator In the case of the Court of Justice of the European Communities, the Court of Justice of the European Communities, the Court of Justice of the European Communities, of the Court of Justice of the European Communities, of the Court of Justice, the financial arbitrator must be brought before the Court of Appeal, within the time limit of five working days counted from the notification of the judgment being appealed. The financial arbitrator shall send the record to the Court of Appeal within five working days for the appeal to be made on its admissibility. The provisions of Articles 200, 202 and 211 of the Code of Civil Procedure shall not apply to this appeal and shall only be taken into account. The appeal shall not be brought in the proceedings referred to in this Article. If the appeal against the final judgment is not brought before or is rejected, the judgment must be satisfied within 15 working days from the expiry of the period for bringing the action or from the date of application of the judgment. notification of the judgment rejecting it, as appropriate. Article 56 F.-The mediator and the financial arbitrator shall notify the proposed agreement or the judgment, as appropriate, to the consumer, to the supplier through its customer service and to the National Consumer Service, within the three working days, counted from its adoption. The notification of the proposed agreement of the mediator and the judgment of the financial arbitrator, as appropriate, shall be made by e-mail or registered letter sent to the address indicated in the complaint, at the choice of the consumer expressed in the document in which you make your dispute, complaint or complaint. The notification shall be deemed to be effected on the third working day following that of its dispatch. The mediator or the financial arbitrator, as appropriate, shall state in the record of the claim of the date of dispatch of the notification, by copy of the electronic mail or the corresponding certificate in the case of the by registered letter. In addition, the mediator or the financial arbitrator, as appropriate, will send by e-mail, to the consumer who requests it, all the records that are part of his claim. Article 56 G.-Customer services shall communicate to the administrators of the suppliers mentioned in this Title and, in the case of suppliers constituted as anonymous companies, to their directory, at least quarterly, a (a) account of the claims received, the agreements entered into by the parties in the mediations made and the final judgments of the financial arbitrators which have been notified to them. Article 56 H.-If the supplier does not comply with the proposed agreement of a mediator duly accepted by the parties, or with the final judgment of a financial arbitrator within the time limit laid down in Articles 56 D or 56 E, The National Consumer Service must report to the competent judge to be punished with a fine of up to seven hundred and fifty monthly tax units. In addition, the Service may revoke the SERNAC Seal awarded to the financial services and products provider, without any such service. olicitise it again before three months after the revocation. The duty of denunciation of the National Consumer Service does not prevent the right of the consumer concerned to denounce the supplier's failure to comply with the proposed agreement or final judgment, as appropriate. " 7. In Article 58: (1) Intercalase in point (a), following the expression "consumer", the following text: ", in particular on its rights and obligations in relation to financial services, guarantees and right to retract, inter alia materials ". 2) Reposition the final paragraph, for the following reasons: " The suppliers shall be obliged to provide the National Consumer Service with the background and documentation requested in writing, and which shall relate to the commercial basic information, as defined in Article 1 of this Law, of the goods and services that offer the public within the time limit specified in the respective order, which may not be less than ten working days. Suppliers shall also be required to provide the National Consumer Service with any other documentation requested in writing and which is strictly necessary to exercise the powers conferred upon it. Service, within the time limit specified in the respective order, which may not be less than ten working days. For these purposes, the National Consumer Service will publish on its website an information requirement manual, which will have to provide detailed information on the background to be requested. The provider required under this paragraph may institute the administrative resources that the law applies to you. The requirement for documentation to be carried out in accordance with the foregoing paragraph may only refer to information relevant to the consumer or which he/she would consider for his/her consumption decisions. The application for documentation may not include the provision of a record of more than one year's age to the date of the respective requirement, or the law qualifies as secrets, or which constitute confidential information relating to the the business strategy of the supplier, or which do not comply with the provisions of the manual referred to in the previous subparagraph. The foregoing shall not prevent the National Consumer Service from exercising the right to require the display or delivery of documents, in accordance with the general and special provisions on precautionary measures and means of proof, applicable according to the procedure in question. The unjustified refusal or delay in the referral of the antecedents required under this article will be sanctioned with a fine of up to four hundred monthly tax units, by the local police judge. For the determination of fines, the following circumstances shall be considered, inter alia: the economic benefit obtained on the basis of the infringement investigated, the seriousness of the conduct under investigation, the offender's repeat quality and, for the purpose of reducing the fine, the cooperation which it has provided to the National Consumer Service before or during the investigation. " 8. Add in Article 58a, the following second indent: " The audit bodies which have sanctioning powers in respect of sectors governed by special laws, as provided for in Article 2 (a) of this Law, shall also: forward to the National Consumer Service copies of the resolutions imposing sanctions. " 8. Add in article 59, the following second indent: " In accordance with the provisions of article 31 of Law No. 18,575, the consolidated, coordinated and systematized text of which was set by the decree with force of law No. 1, 2001, of the Ministry of Education General Secretariat of the Presidency, the National Director, subject to the plant and the maximum staffing, shall establish the internal organization and shall determine the names and functions corresponding to each of the units of the Service. " 10. Add the following Article 59a: " Article 59a.-The Director of the National Consumer Service shall, by means of a decision, determine the positions and posts of the Minister of Faith. This quality can only be granted to managers and professionals who have requirements equivalent to those established for the management level of the Service, and may not be less than 6% of the Single Pay Scale. In regions where the degree 6 ° or below is the case only for the regional director, an official who holds an 8 ° or higher degree may be invested as a minister of faith. Officials of the National Consumer Service who are of a minister of faith may only certify the facts relating to compliance with the law contained in this law which they record in the performance of their duties, provided that are in the minutes which they draw up in the respective inspection. The facts established by that Minister of Faith shall constitute a legal presumption in any of the procedures referred to in Title IV of this Law. If any official provided with the character of a minister of faith is aware of the facts which are false or inaccurate, the person concerned may denounce the fact of the official's superior, who shall initiate the investigation. which corresponds according to the Administrative Staff Regulations and, if the conduct described is checked, shall be deemed to contravene the principle of administrative probity, for the purposes of its sanction in accordance with the law. " 11. Add the following article 62: " Article 62.-The Ministry of Economy, Development and Tourism will dictate one or more regulations to regulate the provisions of this law. In the case of matters governed by special laws, the corresponding regulation will also bear the signature of the minister of the respective sector. In the exercise of this power, the following regulations shall be issued at least: 1. On consumer information of bank and non-bank credit cards. 2. On consumer information of mortgage loans. 3. On consumer information of consumer credits. 4. On the organization and operation for the establishment of the conditions for granting, maintaining and revoking the SERNAC seal by the National Consumer Service, including the rules necessary for the organization and operation of the Customer Service and the Dispute Settlement System. Suppliers who are required to amend the accession contracts signed in advance of the entry into force of the regulations referred to in this Article, in order to bring them into line with the provisions of those regulations, in matters which do not affect the substance of the the rights acquired under the previous legal regime, shall, at their expense, send by any physical or technological means to the consumers an annex detailing the amendments, within a period not exceeding 90 days from the date of publication of these Regulations or of their amendment, where appropriate. " Article 2.-Creanse in the Plant of Directors of the National Consumer Service, a position of head of division grade 4 °, Single Scale of Wages, affected the second hierarchical level of Title VI of Law No. 19,882 and two counts of heads of Department, grade 5, Single Pay Scale, affected by article 8 of the decree with force of law No. 29, 2004, of the Ministry of Finance. One of these departments will be referred to as the "Department of Financial Consumer Protection". Transitional provisions Article 1.-Increase the maximum amount of the National Consumer Service, by 2011, in 23 quotas. Article 2.-The position of division chief created in Article 2, may be temporarily and provisionally provided, as long as the relevant selection process is carried out in accordance with Law No 19,882, immediately assuming its functions. Article 3.-The President of the Republic should be empowered to, by means of a decree with force of law issued through the Ministry of Economy, Development and Tourism, also signed by the Minister of Finance, set the requirements for the performance of the positions of the current staff of the National Consumer Service and of the charges created by Article 2, those that will not be required of the personnel in service for the performance of the positions and jobs that currently serve. Article 4.-The annual cost incurred in the application of this law and the increases of charges in the staff and maximum allocation plant which are provided for in Articles 2 and 1, will be financed from the current budget. of the National Consumer Service and, as far as is not possible, under item 50-01-03-24-03-104 of the Public Treasury Budget item. Article 5.-The regulations referred to in the second indent of Article 62 of Law No 19.496, added by the numeral 11 of Article 1 of this Law, shall be issued within the month following the entry into force of this law. Article 6-Banks and financial institutions, companies supporting their rotation, commercial establishments, insurance companies, compensation boxes, savings and credit cooperatives, and any natural or legal person the supplier of financial products and services shall, at their expense, amend the contracts of accession which they have concluded in advance of the entry into force of this law, in order to bring them into line with their provisions in those matters which do not affect the essence of the rights acquired under the previous legal regime, and send by any means physical or technological to consumers, an annex detailing the amendments, within 90 days from the date of the the entry into force of this law. If they do not do so, all the content of such contracts which is contrary to the provisions of this law shall be unwritten. Article 7.-The rules of this law shall enter into force 90 days after their publication in the Official Journal, except for the third indent of Article 55 A, which shall enter into force on 1 July 2012. " And because I have had to approve and sanction it; therefore, promulgate and take effect as the Law of the Republic. Santiago, November 28, 2011.-SEBASTIAN PINERA ECHENIQUE, President of the Republic.-Pablo Longueira Montes, Minister of Economy, Development and Tourism.-Felipe Larraín Bascunan, Minister of Finance. What you transcribe, for your knowledge.-Salute attentively to you, Tomas Flores Jana, Undersecretary of Economics and Companies of Minor Size.