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Paraguay Diagnostic Review of Consumer Protection and Financial Literacy : Volume 1. Key Findings and Recommendations

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dc.contributor.author World Bank
dc.date.accessioned 2015-02-25T17:26:16Z
dc.date.available 2015-02-25T17:26:16Z
dc.date.issued 2015-01
dc.identifier.uri http://hdl.handle.net/10986/21486
dc.description.abstract This review of the Consumer Protection and Financial Literacy Framework (CPFL) in Paraguay was undertaken in response to a request for technical assistance in this area made by the Central Bank of Paraguay (BCP). The objectives were: (i) to assess the existing consumer protection and financial literacy framework by reviewing laws, regulations, and actual practices in Paraguay, and comparing it with international good practice; and (ii) to provide recommendations on ways to improve the level of financial consumer protection and financial literacy in the country. The Diagnostic Review provides a detailed assessment of the institutional, legal and regulatory framework for consumer protection in four segments of the financial sector: (i) banks and finance companies, (ii) financial cooperatives, (iii) insurance companies, and, - in reflection of the important role they play in Paraguay - (iv) non-bank agents and mobile payment providers. Its findings and recommendations cover six thematic areas: (i) Institutional Arrangements, (ii) Legal and Regulatory Framework, (iii) Transparency and Disclosure, (iv) Business Practices, (v) Complaints Handling and Dispute Resolution, and as a stand-alone section (vi) Financial Education. en
dc.language English
dc.language.iso en_US
dc.publisher World Bank Group, Washington, DC
dc.rights CC BY 3.0 IGO
dc.rights.uri http://creativecommons.org/licenses/by/3.0/igo/
dc.subject BORROWER
dc.subject INSTALLMENT
dc.subject SALARIES
dc.subject VALUABLE
dc.subject CONSUMER CREDIT
dc.subject INEQUALITIES
dc.subject FINANCIAL REGULATOR
dc.subject PAWNSHOPS
dc.subject CENTRAL BANK
dc.subject INTERNATIONAL BANK
dc.subject INSURANCES
dc.subject MARKET TRANSPARENCY
dc.subject LEVEL PLAYING FIELD
dc.subject PRIVATE CREDIT
dc.subject CALCULATION
dc.subject INSURANCE PRODUCTS
dc.subject TRANSPARENCY OF INFORMATION
dc.subject FINANCIAL LITERACY INITIATIVES
dc.subject AUDITS
dc.subject USURY
dc.subject ECONOMIC COOPERATION
dc.subject FINANCIAL INTERMEDIARIES
dc.subject PRUDENTIAL REGULATIONS
dc.subject FINANCIAL INSTITUTION
dc.subject FINANCIAL CONSUMER
dc.subject TAX
dc.subject TRANSACTION
dc.subject PRIVATE FINANCIAL INSTITUTIONS
dc.subject FINANCIAL SECTOR
dc.subject TECHNICAL ASSISTANCE
dc.subject REGULATORY AUTHORITIES
dc.subject FINANCIAL SERVICE
dc.subject CONSUMER
dc.subject CAPACITY BUILDING
dc.subject ADVISORY SERVICES
dc.subject DEPOSIT
dc.subject ARREARS
dc.subject FINANCIAL REGULATORS
dc.subject FINANCIAL COST
dc.subject FINANCIAL INFORMATION
dc.subject DEPOSITS
dc.subject BUDGETING SKILLS
dc.subject ANNUAL PERCENTAGE RATES
dc.subject LEGAL REQUIREMENTS
dc.subject LIFE INSURANCE PREMIUMS
dc.subject OUTREACH
dc.subject OVERDRAFTS
dc.subject MAINTENANCE COSTS
dc.subject FINANCIAL REGULATION
dc.subject CREDIT PRODUCTS
dc.subject BUDGETING
dc.subject MORTGAGE LOANS
dc.subject MONEYLENDERS
dc.subject INCOME GROUPS
dc.subject LEGAL FRAMEWORK
dc.subject PREDATORY LENDING
dc.subject MARKET PARTICIPANTS
dc.subject BANKS
dc.subject FINANCIAL EDUCATION PROGRAMS
dc.subject INSURANCE PREMIUMS
dc.subject EMPLOYERS
dc.subject ELECTRONIC PAYMENT SYSTEM
dc.subject TRANSPARENCY
dc.subject INFORMATION REQUIREMENTS
dc.subject LEGAL PROVISIONS
dc.subject ATMS
dc.subject MFIS
dc.subject UNION
dc.subject HEALTH INSURANCE
dc.subject INFORMATION SHARING
dc.subject ENTRY POINTS
dc.subject REGULAR INCOME
dc.subject PUBLIC BANK
dc.subject BORROWING
dc.subject INTEREST RATES
dc.subject RESPONSIBILITIES
dc.subject PREMIUM RATES
dc.subject CONSUMER PROTECTION
dc.subject ACCOUNTING
dc.subject EMPOWERMENT
dc.subject DISCLOSURE OF INFORMATION
dc.subject FINANCIAL CRISIS
dc.subject CREDIT CARD
dc.subject LIFE INSURANCES
dc.subject ATM WITHDRAWALS
dc.subject LATE PAYMENT
dc.subject ELECTRONIC TRANSFERS
dc.subject FORMAL FINANCIAL SECTOR
dc.subject INDEBTEDNESS
dc.subject RECEIPT
dc.subject ENTERPRISE FINANCING
dc.subject FINANCIAL SERVICES PROVIDERS
dc.subject FORMAL FINANCIAL INSTITUTIONS
dc.subject SOLVENCY
dc.subject GUARANTEE FUND
dc.subject LOAN COOPERATIVES
dc.subject COMMERCIAL TRANSACTION
dc.subject INCOME LEVELS
dc.subject SAVINGS
dc.subject EXCLUSIONS
dc.subject FINANCIAL SECTOR DEVELOPMENT
dc.subject DEBIT CARDS
dc.subject FINANCIAL LITERACY
dc.subject SECURITIES
dc.subject CONSUMERS
dc.subject MONEY LAUNDERING
dc.subject BENEFICIARIES
dc.subject DEBT COLLECTION
dc.subject MAINTENANCE CHARGES
dc.subject MASS MEDIA
dc.subject NATIONAL BANK
dc.subject SOURCE OF INFORMATION
dc.subject CREDIT CARD DEBT
dc.subject COURT SETTLEMENT
dc.subject CREDIT INFORMATION
dc.subject INSURANCE PREMIUM
dc.subject FINANCIAL HEALTH
dc.subject CONSUMER COMPLAINTS
dc.subject BANKING SECTOR
dc.subject ACCESS TO CREDIT
dc.subject REGULATORY AUTHORITY
dc.subject ATM
dc.subject LIFE INSURANCE
dc.subject CURRENCY
dc.subject LEVEL OF DEBT
dc.subject PRIVATE BANKS
dc.subject EXISTING DEBT
dc.subject FINANCIAL VIABILITY
dc.subject COOPERATIVES
dc.subject DISPUTE RESOLUTION
dc.subject FRAUD
dc.subject REGULATORY FRAMEWORKS
dc.subject CREDIT OFFICERS
dc.subject STAKEHOLDERS
dc.subject CREDIT PROVIDER
dc.subject DEPOSIT ACCOUNTS
dc.subject CURRENT ACCOUNT
dc.subject CONSUMER PROTECTION LAW
dc.subject INSURANCE SERVICES
dc.subject INSURANCE SCHEME
dc.subject MICROFINANCE
dc.subject CHECKS
dc.subject INSURANCE COMPANIES
dc.subject MICROCREDIT
dc.subject PAYMENT HISTORY
dc.subject ADMINISTRATIVE CHARGES
dc.subject MORTGAGE
dc.subject USURY LAW
dc.subject REPAYMENT
dc.subject FINANCIAL PRODUCTS
dc.subject ADVERTISEMENTS
dc.subject CREDIT RISK
dc.subject DEVELOPMENT BANK
dc.subject TRANSACTION COSTS
dc.subject MINIMUM WAGES
dc.subject PRICE STABILITY
dc.subject SALARY
dc.subject TOTAL COST
dc.subject DISPUTE RESOLUTIONS
dc.subject DISCLOSURE REQUIREMENTS
dc.subject SUPERVISORY AUTHORITIES
dc.subject FORMAL FINANCIAL SERVICES
dc.subject CREDIT REPORTING
dc.subject LEGAL FRAMEWORKS
dc.subject PENALTY FEES
dc.subject TERMS OF CREDIT
dc.subject FORMAL FINANCIAL INTERMEDIARIES
dc.subject PRIVATE CREDIT BUREAU
dc.subject CREDITS
dc.subject FINANCIAL MARKETS
dc.subject FINANCIAL EDUCATION
dc.subject MARKET SHARE
dc.subject DEPOSITORS
dc.subject COMMERCIAL BANKS
dc.subject FINANCIAL PLAYERS
dc.subject LIABILITY
dc.subject LOAN
dc.subject INCOME
dc.subject INSTALLMENTS
dc.subject CREDIT REGISTRY
dc.subject CURRENT ACCOUNTS
dc.subject CREDIT CARDS
dc.subject FORMAL FINANCIAL INSTITUTION
dc.subject FINANCIAL COSTS
dc.subject FARMERS
dc.subject ARBITRATION
dc.subject REPAYMENT CAPACITY
dc.subject ELECTRONIC PAYMENT
dc.subject PURCHASES
dc.subject MULTIPLE LOANS
dc.subject TOTAL COSTS
dc.subject ADMINISTRATIVE SUPPORT
dc.subject ADVERTISEMENT
dc.subject REGULATORY FRAMEWORK
dc.subject FINANCIAL REGULATIONS
dc.subject FINANCIAL SYSTEM
dc.subject FINANCIAL SERVICES
dc.subject DEPOSIT INSURANCE
dc.subject CREDIT PROVIDERS
dc.subject SMALLHOLDERS
dc.subject PAYMENT SERVICE
dc.subject TRUST FUND
dc.subject INTEREST RATE
dc.subject INVESTMENT PRODUCTS
dc.subject TELECOMMUNICATIONS
dc.subject CHECKING ACCOUNTS
dc.subject AFFORDABILITY
dc.subject FINANCIAL SUPPORT
dc.subject FINANCIAL TOPICS
dc.subject SUPERVISORY AGENCIES
dc.subject PAYROLL DEDUCTIONS
dc.subject PAYMENT SCHEDULE
dc.subject FINANCIAL SERVICE PROVIDERS
dc.subject UNFAIR BUSINESS PRACTICES
dc.subject COST OF CREDIT
dc.subject MARKETING
dc.subject FOREIGN CURRENCY
dc.subject FINANCE COMPANIES
dc.subject PRICE TRANSPARENCY
dc.subject CREDIT BUREAU
dc.subject CREDITOR
dc.subject FIXED ASSETS
dc.title Paraguay Diagnostic Review of Consumer Protection and Financial Literacy : Volume 1. Key Findings and Recommendations en
dc.title.alternative Paraguay estudio de diagnostico de proteccion del consumidor y educacion financiera en


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