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CMF to file charges against 14 unsupervised entities for alleged fraud, usury, and invasion of banking activities

The complaints include 11 entities offering fraudulent loans and requesting advance payments for operations that are never materialized. Some of them claim to be supervised by the Commission. - Other two entities offer loans exceeding the Maximum Conventional Rate, which means a possible crime of usury, while another might have incurred in invasion of banking activities.

The Financial Market Commission (CMF) alerts the public about a series of entities offering loans that are neither supervised by the Commission nor registered in its rolls.

According to information gathered by the CMF's Investigation Unit, these entities offer loans through their websites while requesting advance payments from applicants. After making said advance payments, applicants do not receive the agreed funds. Therefore, the CMF will file charges against any responsible parties before the Public Prosecutor's Office for alleged fraud. The 11 identified entities are:

  • Extra Financiera (extrafinanciera dot com)
  • Red Financiera Chile (redfinanciera dash cl dot com)
  • FINATEC Cooperativa Financiera de Chile (finatecchile dot com)
  • Financiera Capital Chile (financieracapitalchile dot com)
  • Credi Central de Chile (credicentraldechile dot com)
  • An impersonator of Fintual hosted at fintualcl dot online.
  • Cooperativa Estado (cooperativaestadocl dot com)
  • Scotia Azul, an impersonator of Scotiabank Azul hosted at scotiazul dot com.
  • AliaCoop, an impersonator of Cooperativa de Mutuo del Personal de Enap Concon hosted at aliadoscoopenap dot com.
  • Tu Krédito, an impersonator of Krédito hosted at tukreditosas dot online.
  • An impersonator of Procrédito S.A. hosted at pcsa dot com.

The CMF also reports that it will submit information to the Public Prosecutor's Office on the iLuca (iluca dot cc slash home) and Presta CLP (prestasolcl dot com) apps for the alleged crime of usury. They grant loans with an interest rate exceeding the Maximum Conventional Rate.

Additionally, the Commission will file charges against all parties behind Allianzie Asesores Inversiones (allianzie dot cl) for invasion of banking activities, i.e., to carry out money-collecting operations in violation of the General Banking Act.

The CMF reminds the public of a special alerts page for investors, policyholders, and banking customers available on its website. Interested parties can verify here whether an entity or person offering financial products or services is supervised by the Commission; review alerts issued by the CMF and other foreign regulators on unregulated entities or activities; and get important advice on how these scams operate.

A statement by CMF Prosecutor Andrés Montes is available here.

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