Overview
- The Superintendencia de Banca, Seguros y AFP (SBS) published a package of rules in El Peruano that includes Resolution 01741-2026 on market conduct and fees and Resolution 01747-2026 creating a regulated Banking as a Service (BaaS) model.
- Two consumer-facing obligations took effect immediately: banks and other financial firms must provide a human alternative to automated channels and must issue free debt-regularization certificates within seven business days when requested.
- Resolution 01741-2026 requires public notice of events that affect users within 24 hours and direct notification to affected customers within ten business days for most incidents, plus clearer up-front disclosure of payment commissions and stronger digital contracting and consent rules.
- Resolution 01747-2026 authorizes specific BaaS services (accounts, credits, wallets, cards and mass bancaseguros), keeps full legal and supervisory responsibility with the provider bank, prohibits receiver subcontracting and sets technical, AML and traceability safeguards with a 180-day transition.
- Most new obligations under 01741-2026 have a 360-day compliance window to allow tech and contract changes but banks, fintechs and retail partners must now prepare system, process and contractual updates and face immediate enforcement risk on the two already-effective consumer protections.