The organization launched a guide with recommendations for improving financial health and reminded banks of the rules they must follow during debt collection processes
SANTO DOMINGO. The Superintendency of Banks (SB) launched a strategy aimed at strengthening the financial well-being of users, preventing over-indebtedness, and promoting best practices among financial institutions and their clients.
The initiative includes actions that cover the different stages of the relationship between entities and their debtors, from the moment a loan is offered to the debt collection management processes.
The Superintendency explained that it also seeks to provide financial users with more information and tools to assess the consequences of their decisions before taking on credit obligations.
A guide to improving financial health
As part of this strategy, the SB launched the Guide on financial health and well-being of users, published through Circular Letter CCI-REG-2026000014.
The document contains guidelines intended to help people prevent payment difficulties and manage their financial commitments responsibly.
Recommendations include evaluating whether the loan is truly needed before applying, reviewing the ability to pay, and understanding the terms and costs associated with the financial product.
The guide also advises comparing available alternatives and carefully reading contracts before signing them, in order to reduce the risk of over-indebtedness and promote healthy personal finance management.
The document can be downloaded from the financial education section of the Prousuario portal: www.prousuario.gob.do.
The strategy also includes the collection processes
The Superintendency reported that the first step of this action plan occurred in July of this year, when it issued Circular Letter CCI-REG-2026000007.
Through this provision, the supervisory body urged financial intermediation entities to reinforce the good practices used during debt collection management.
The SB reminded entities that they must avoid practices that could violate the rights or affect the dignity of users during credit recovery processes.
He also noted that financial institutions must comply with the provisions established by the Dominican Institute of Telecommunications (Indotel) for the use of telecommunications services for debt collection.
These rules cover, among other aspects, the schedules and limits on the frequency of contact with customers, as well as other conditions aimed at protecting users.
An initiative linked to mental health
The Superintendency presents these actions within the framework of World Mental Health Day, which is commemorated every October 10.
The institution argues that financial well-being is part of a broader strategy to protect users by promoting relationships based on respect, courtesy, and good treatment between financial institutions and their clients.
With these measures, the SB seeks to strengthen both the responsibility of entities when offering and managing financial products and the ability of users to make informed decisions about their obligations.
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