Overview
- The BCRA formalized the Cobro con Transferencia (CCT) via Communication A 8406 and mandated banks and nonbank lenders to implement it by August 31, 2026, with planned expansion to other recurring bills such as utilities.
- CCT enables immediate-transfer debits of fixed, equal loan installments from a customer’s peso account by banks and PNFCs, based on one-time explicit consent, prior electronic notice, and instant revocation rights.
- Consumer safeguards include a 30% cap on installment-to-income at origination plus a capped collection cadence of one initial debit attempt and two retries at 48 and 96 hours.
- The framework creates the “aceptador de CCT” role to ensure interoperability, and generally requires the loan to be disbursed into the same account from which installments will be debited, with limited exceptions.
- Economic and risk terms set a minimum 0.6% fee paid by lenders and distributed among participants, assign fraud liability to the lender, and make CCT debits non-reversible.