¿La emisión de la Resolución SBS N°4036-2022 genera un nuevo marco legal para los consumidores del sector financiero?

Una inquietante que se genera con la emisión del reciente reglamento de gestión para la atención de reclamos y requerimientos, aprobado por Resolución N° 4036-2022, es si contribuirá a mejorar la situación cotidiana de los usuarios y consumidores del sector financiero, brindando alivio a los principales problemas que atraviesan regularmente en relación al acceso de los servicios y productos que se ofrecen en el mercado o se mantendrá una situación regular sin mayores impactos positivos que puedan demostrarse en el día a día. Si bien es cierto un solo instrumento normativo no puede modificar la realidad nacional que el sector financiero atraviesa, es pertinente cuestionarse si contribuye a mejorar las condiciones por las que los usuarios atraviesan durante la contratación o uso de servicios o productos dentro de este sector. Por ello, es importante identificar si las modificaciones realizadas solo continúan un patrón regular de su predecesor la Circular N° G 184-2015, Circular de atención al usuario, o se enfoca en asegurar una mejor atención para disminuir la tasa de reclamos o requerimientos presentados, protegiendo realmente a los consumidores bajo un trato justo y equitativo, asegurándose que reciba información relevante e integral además de contar lo cual se llevará en todas las etapas asegurando un aparato de resolución más eficaz de acuerdo a cada necesidad presentada.A disturbing one that is generated with the issuance of the recent management regulation for the attention of claims and requirements, approved by Resolution No. 4036-2022, is whether it will contribute to improving the daily situation of users and consumers of the financial sector, providing relief to the main problems they regularly go through in relation to access to services and products offered in the market or will a regular situation be maintained withoutmajor positive impacts. that can be demonstrated on a day-to-day basis. While it is true that a single regulatory instrument cannot modify the national reality that the financial sector is going through, it is pertinent to question whether it contributes to improving the conditions that users go through during the contracting or use of services or products within this sector. Therefore, it is important to identify if the modifications made only follow a regular pattern of its predecessor Circular No. G 184-2015, Circular of attention to the user, or focuses on ensuring better attention to reduce the rate of claims or requirements filed, really protecting consumers under fair and equitable treatment, ensuring that you receive relevant and comprehensive information in addition to telling which will be carried out at all stages ensuring a More effective resolution apparatus according to each need presented.Trabajo académic

Sociodemographic and Lifestyle Characteristics Associated with Maternal Dietary Patterns in Mexico

There is scarce evidence on sociodemographic and lifestyle characteristics that may explain adherence to different dietary patterns (DPs) during pregnancy. Our aims were to identify dietary patterns in a sample of pregnant Mexican women and to describe their association with selected sociodemographic and lifestyle characteristics. This is a secondary cross-sectional analysis of 252 mothers of children that participated as controls in a hospital-based case–control study of childhood leukemia. We obtained parents’ information about selected sociodemographic characteristics, as well as alcohol and tobacco consumption. We also obtained dietary information during pregnancy. We identified DPs using cluster and factor analyses and we estimated their association with characteristics of interest. We identified two DPs using cluster analysis, which we called “Prudent” and “Non healthy”, as well as three DPs through factor analysis, namely “Prudent”, “Processed foods and fish”, and “Chicken and vegetables”. Characteristics associated with greater adherence to “Prudent” patterns were maternal education, older paternal age, not smoking, and being a government employee and/or uncovered population. Likewise, the “Processed foods and fish” pattern was associated with greater maternal and paternal education, as well as those with less household overcrowding. We did not identify sociodemographic variables related to the “Chicken and Vegetables” pattern. Our results may be useful to identify target populations that may benefit from interventions aimed to improve individual dietary decisions during pregnancy