Regulation 2026
Acuerdo SUGEF 5-26 Reglamento sobre aspectos mínimos de control para prevenir y mitigar estafas informáticas en perjuicio de los usuarios financieros (SUGEF Accord 5-26, Regulation on minimum controls to prevent and mitigate online scams against financial users)
Issued by Superintendencia General de Entidades Financieras
Effective: 11 Sep 2026
Plain-English summary
Sets minimum anti-scam controls for SUGEF-supervised entities: a board-approved mitigation strategy, cyberhygiene education, claims handling, behavioural monitoring, two-factor authentication and transaction notifications within one minute. Takes effect on publication in La Gaceta (published 11 September 2026).
Who it applies to
Banking
Topics
Conduct & Consumer Protection Cybersecurity & IT Risk Fraud Risk
Obligations arising from this law or regulation
| Obligation | Timing | Regulator | Source | Detail |
|---|---|---|---|---|
| Anti-fraud controls against online scams | Notifications within one minute of each transaction (Art. 15) | SUGEF | official | |
Entities must hold a risk-based scam mitigation strategy approved by the board (Art. 3), block electronic functions on receiving a claim (Art. 7), use two-factor authentication (Art. 13) and send transaction notifications within one minute (Art. 15). Denied claims are reported to SUGEF and the OIJ (Art. 9). |
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| No obligations match these filters. | ||||
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