Disposiciones relativas al open banking mexicano
“DISPOSICIONES DE CARÁCTER GENERAL RELATIVAS A LAS INTERFACES DE PROGRAMACIÓN DE APLICACIONES INFORMÁTICAS ESTANDARIZADAS A QUE HACE REFERENCIA LA LEY PARA REGULAR LAS INSTITUCIONES DE TECNOLOGÍA FINANCIERA”
La Secretaria de Hacienda y Crédito Público (“SHCP”) y la Comisión Nacional Bancaria y de Valores (“CNBV”), con fecha actual han emitido a través del Diario Oficial de la Federación las “Disposiciones de carácter general relativas a las interfaces de programación de aplicaciones informáticas estandarizadas a que hace referencia la Ley para Regular las Instituciones de Tecnología Financiera”, en los sucesivo (“Disposiciones API´s”), las cuales tienen su fundamento legal en el articulo 76 de la Ley para Regular las Instituciones de Tecnología Financiera (“Ley Fintech”), toda vez que establece la obligación para las entidades financieras, transmisores de dinero y las sociedades autorizadas para operar con Modelos Novedosos, de intercambiar datos a través del uso de interfaces de programación de aplicaciones estandarizadas a efecto de fomentar la competencia en los mercados, así como la inclusión financiera.
1. OBJETIVO DE LAS DISPOSICIONES API´S.
Las Disposiciones API´s procuran que el intercambio de información se realice de una forma adecuada, transparente y equitativa, estableciendo el procedimiento para la autorización y registro de las contraprestaciones a cobrar por el uso de las interfaces de programación de aplicaciones estandarizadas.
Por lo anterior es importante destacar, que los datos financieros abiertos no contienen información de la considerada como confidencial, pues se trata de aquella de productos y servicios que se ofrecen al público en general, de la ubicación de oficinas y sucursales, así como de información de cajeros automáticos, entre otra; el compartirla libremente, no constituye un riesgo para quienes la generan;
En consecuencia a lo antes señalado, las Disposiciones API´s presentan la finalidad de establecer formas de cumplimiento más sencillas que las previstas en la Ley Fintech, así como evitar la creación de trámites innecesarios que representen costos adicionales a los destinatarios de la norma, por lo que se prevé una manera más expedita de obtener, por parte de la CNBV, la autorización para acceder a los datos financieros abiertos a través de interfaces de programación de aplicaciones informáticas estandarizadas.
Las multicitadas disposiciones se conforman por (9) nueve artículos, organizados de forma estructurada en (4) cuatro Capítulos:
· CAPÍTULO I Disposiciones comunes
· CAPÍTULO II De los Solicitantes de Dato
· CAPÍTULO III De los Proveedores de Dato
· CAPÍTULO IV De los programas de regularización
Así mismo, estas Disposiciones API´s contemplan los siguientes Anexos:
· Anexo 1 Lineamiento de seguridad para datos abiertos que deberán observar proveedores de datos y solicitantes de datos
· Anexo 2 Lineamientos de la arquitectura de datos para el intercambio de información de datos abiertos
· Anexo 3 Diccionario de datos abiertos de cajeros automáticos.
Por último y de conformidad con su único articulo Transitorio, las Disposiciones API´s entraran en vigor a partir del 05 de junio de 2020.
Autores:
– Raul Rodriguez Echeverria
– Jorge Tavares Robledo
– Jose Diaz Cuadra
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בלונדינית סופר סקסית מוצצת ומזדיינת עם החבר על חוף הים
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