If a bank, finance company, or credit house ever charged you more than agreed, changed your conditions, or treated you poorly — and you didn't know where to turn — this educational program is for you. Three sessions to understand what the law says and what you can do about it.
This is an educational program. We do not file complaints on anyone's behalf or provide legal representation.
What Law No. 1334/98 says about financial services
How to use Paraguay's official consumer protection bodies
Which records to keep and why they matter
Many people in Paraguay have experienced situations where a financial institution charged unexpected fees, modified loan terms without clear notice, or made it difficult to access basic information about their own accounts.
The frustrating part is not just the situation itself — it's not knowing whether what happened was legal, who to contact, or how the complaint process works.
This program exists to close that information gap. Understanding the regulatory framework is the first step toward making informed decisions as a financial consumer.
Each session builds on the previous one, giving you a complete picture of your rights and the tools available to you.
Understand what Law No. 1334/98 establishes for financial services — what financial institutions are required to disclose, what practices are prohibited, and what protections apply to you as a consumer.
Learn the specific limits on what banks, financieras, and credit houses can do — from changing interest rates to reporting to credit bureaus — and what actions fall outside their legal authority.
Step-by-step explanation of how the Banco Central del Paraguay handles consumer complaints against supervised financial entities, what information is needed, and what to expect from the process.
Discover the role of the Secretaría de Defensa del Consumidor e Investigación de Mercado, what types of cases they handle, and how to approach them with a consumer complaint about financial services.
Practical guidance on which documents to preserve — contracts, receipts, account statements, correspondence — and how organizing your records strengthens your position if a dispute arises.
Real-world scenarios drawn from common situations in Paraguay's financial system. Each session includes time for questions so participants leave with clarity on their specific concerns.
The program is structured as a progressive learning journey — each session builds on the one before it.
What the Consumer Protection Law says about financial services. What a financial entity is legally required to inform you about before you sign anything. What constitutes abusive conduct under Paraguayan law.
How the BCP supervises financial entities and what happens when you submit a complaint. The SEDECO process for consumer disputes. What each institution handles and which one is appropriate for your situation.
Which documents to keep from the moment you open any financial product. How to organize your records. What information strengthens a complaint and what tends to be insufficient. Practical exercises and Q&A.
This program was designed for people who want to understand their rights — not for people looking for someone to act on their behalf. We explain the regulatory landscape clearly and in accessible language.
We do not file complaints, write letters to financial institutions, or appear before any regulatory body on behalf of participants. What we do is ensure that after three sessions, you know exactly what your options are and how to pursue them yourself.
Important: This program provides general educational information about consumer rights in Paraguay. It does not constitute legal advice and does not create any professional relationship between participants and program facilitators.
Answers to the questions we hear most often from people considering this program.
Join our three-session educational program and leave with a clear understanding of what the law says, who to contact, and what to keep on record.