{"id":5155,"date":"2026-04-14T16:02:08","date_gmt":"2026-04-14T14:02:08","guid":{"rendered":"https:\/\/www.mstholding.com\/blog\/?p=5155"},"modified":"2026-04-14T16:02:12","modified_gmt":"2026-04-14T14:02:12","slug":"la-ley-sac-en-el-sector-financiero-entender-el-matiz-que-lo-cambia-todo","status":"publish","type":"post","link":"https:\/\/www.mstholding.com\/blog\/la-ley-sac-en-el-sector-financiero-entender-el-matiz-que-lo-cambia-todo\/","title":{"rendered":"La Ley SAC en el sector financiero: entender el matiz que lo cambia todo"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La entrada en vigor de la nueva Ley de Servicios de Atenci\u00f3n a la Clientela (Ley SAC) ha abierto un nuevo escenario en la relaci\u00f3n entre empresas y clientes. Sin embargo, en el sector financiero, su impacto no puede interpretarse de la misma manera que en otros sectores.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Y ah\u00ed es donde empiezan muchas de las confusiones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mientras que en otros \u00e1mbitos la Ley SAC act\u00faa como norma principal, en financiero su papel es distinto. M\u00e1s t\u00e9cnico, m\u00e1s condicionado y, sobre todo, m\u00e1s dependiente del marco regulatorio previo. Por eso, la clave no est\u00e1 tanto en lo que dice la ley, sino en c\u00f3mo debe leerse dentro de este sector.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Una ley que no sustituye, sino que complementa<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El primer punto que conviene aclarar es que la Ley SAC no es la norma principal en el sector financiero. Su papel es supletorio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Esto significa que la normativa espec\u00edfica del sector (la que regula la transparencia, la protecci\u00f3n del cliente o el funcionamiento de los servicios de reclamaciones) sigue siendo prioritaria. La propia ley lo deja claro en su art\u00edculo 2, donde define su \u00e1mbito de aplicaci\u00f3n y establece que la normativa sectorial prevalece sobre el r\u00e9gimen general .<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En t\u00e9rminos pr\u00e1cticos, esto implica que la Ley SAC solo entra en juego cuando la normativa financiera no cubre un determinado aspecto. No sustituye lo existente, sino que lo completa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Este matiz es fundamental, porque cambia completamente la forma de abordar su aplicaci\u00f3n. No se trata de \u201cimplantar la Ley SAC\u201d, sino de entender c\u00f3mo encaja dentro de un modelo que ya estaba regulado y que, adem\u00e1s, es especialmente exigente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Un impacto m\u00e1s profundo de lo que parece<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aunque su car\u00e1cter sea supletorio, el impacto de la ley en el sector financiero es significativo. Y lo es porque no se limita a complementar, sino que tambi\u00e9n modifica el marco existente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En concreto, la Ley SAC introduce cambios en la Ley 44\/2002, reforzando los requisitos de los servicios de atenci\u00f3n a la clientela. Esto se traduce en una mayor exigencia en aspectos como la accesibilidad, la calidad del servicio o la atenci\u00f3n personalizada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por ejemplo, se refuerza la obligaci\u00f3n de que la atenci\u00f3n sea:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>accesible para todos los perfiles de cliente<\/li>\n\n\n\n<li>prestada por personas cuando el cliente lo requiera<\/li>\n\n\n\n<li>adaptada a colectivos vulnerables<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">No estamos ante un cambio de modelo, pero s\u00ed ante un aumento claro del nivel de exigencia.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Las exclusiones: entender lo que no aplica<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Uno de los puntos m\u00e1s relevantes \u2014y tambi\u00e9n m\u00e1s mal interpretados\u2014 es el de los art\u00edculos que no aplican al sector financiero.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La ley excluye expresamente algunos de ellos, como el art\u00edculo 13.8 y los art\u00edculos 18, 19, 21, 22 y 23 . Pero m\u00e1s all\u00e1 de la enumeraci\u00f3n, lo importante es entender qu\u00e9 regulan esos art\u00edculos y por qu\u00e9 quedan fuera.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El art\u00edculo 22, por ejemplo, establece la obligaci\u00f3n de realizar una auditor\u00eda externa anual del sistema de calidad del servicio de atenci\u00f3n al cliente. Esta exigencia es clave en otros sectores, pero en financiero no aplica porque ese control ya existe a trav\u00e9s de los supervisores sectoriales y los sistemas internos de cumplimiento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Algo similar ocurre con el art\u00edculo 21, que regula los sistemas de evaluaci\u00f3n de la calidad del servicio, o con el art\u00edculo 18, que obliga a implantar sistemas de medici\u00f3n de la satisfacci\u00f3n del cliente. En el sector financiero, estos mecanismos ya forman parte del modelo operativo y regulatorio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por su parte, el art\u00edculo 19 plantea la colaboraci\u00f3n con asociaciones de consumidores, mientras que el art\u00edculo 23 define el r\u00e9gimen sancionador general. Ambos quedan excluidos porque el sector financiero ya dispone de su propio sistema de supervisi\u00f3n y sanci\u00f3n, gestionado por organismos como el Banco de Espa\u00f1a o la CNMV.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Incluso el art\u00edculo 13.8, que regula la suspensi\u00f3n de servicios cuando una reclamaci\u00f3n pasa a instancias externas, queda fuera porque estos procesos ya est\u00e1n definidos de forma espec\u00edfica en la normativa financiera.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La conclusi\u00f3n es clara: no es que estos aspectos desaparezcan, es que ya est\u00e1n cubiertos por otro marco. Y ese marco sigue siendo el principal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Lo que s\u00ed aplica\u2026 con una lectura adaptada<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Frente a estas exclusiones, hay otros art\u00edculos que s\u00ed siguen siendo aplicables, aunque siempre condicionados por la normativa sectorial.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es el caso del art\u00edculo 4, que establece los principios generales del servicio de atenci\u00f3n a la clientela, definiendo que debe ser gratuito, accesible, inclusivo y eficaz. Tambi\u00e9n el art\u00edculo 13 (en sus apartados aplicables), que exige que las reclamaciones se resuelvan de forma motivada, clara y completa, dando respuesta a todas las cuestiones planteadas por el cliente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estos art\u00edculos refuerzan el modelo, pero no lo sustituyen. En financiero, deben interpretarse siempre bajo el principio de especialidad: si hay conflicto con la normativa sectorial, prevalece esta \u00faltima.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Un modelo que ya era s\u00f3lido\u2026 y ahora se exige m\u00e1s<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El sector financiero no parte de cero. Desde hace a\u00f1os, opera con un modelo estructurado de atenci\u00f3n a la clientela que combina distintos niveles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Existe un primer nivel de atenci\u00f3n, m\u00e1s operativo y vinculado a oficinas o canales comerciales. Un segundo nivel, formado por los servicios de atenci\u00f3n a la clientela, que gestionan reclamaciones de forma formal. Y un tercer nivel, representado por los supervisores sectoriales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Ley SAC no altera esta estructura. Lo que hace es reforzarla, introduciendo mayor rigor en la calidad de la atenci\u00f3n, en la trazabilidad de las reclamaciones y en la protecci\u00f3n del cliente, especialmente en situaciones de vulnerabilidad.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>M\u00e1s que cumplimiento, coherencia operativa<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El impacto real de la ley no est\u00e1 en la teor\u00eda, sino en la operativa.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los contact centers del sector financiero van a tener que evolucionar hacia modelos m\u00e1s coherentes, donde la calidad no se mida solo en t\u00e9rminos de SLA o procesos, sino en la consistencia de la experiencia. Donde la personalizaci\u00f3n deje de ser un valor a\u00f1adido y pase a ser una exigencia estructural. Y donde los distintos canales y niveles de atenci\u00f3n funcionen de forma integrada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El reto no es a\u00f1adir m\u00e1s capas, sino hacer que todo encaje mejor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>La clave est\u00e1 en c\u00f3mo se interpreta<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En este contexto, el mayor riesgo no es el incumplimiento, sino la mala interpretaci\u00f3n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aplicar la Ley SAC como si fuera una norma general puede llevar a duplicidades, ineficiencias o incluso conflictos con la normativa sectorial. En cambio, entender su car\u00e1cter supletorio permite integrarla de forma l\u00f3gica dentro del modelo existente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Una oportunidad para elevar el nivel<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">M\u00e1s all\u00e1 de la obligaci\u00f3n normativa, la Ley SAC representa una oportunidad para dar un paso m\u00e1s en la profesionalizaci\u00f3n de la atenci\u00f3n al cliente en el sector financiero.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No se trata solo de cumplir, sino de hacerlo con criterio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En <a href=\"https:\/\/www.mstholding.com\">MST <\/a>trabajamos precisamente en ese punto, ayudando a transformar la normativa en modelos operativos s\u00f3lidos, eficientes y alineados con la realidad del cliente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Porque en este nuevo escenario, la diferencia no la marcar\u00e1 quien conozca la ley.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La marcar\u00e1 quien sepa interpretarla\u2026 y aplicarla con sentido.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.mstholding.com\">www.mstholding.com<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La entrada en vigor de la nueva Ley de Servicios de Atenci\u00f3n a la Clientela (Ley SAC) ha abierto un nuevo escenario en la relaci\u00f3n entre empresas y clientes. Sin embargo, en el sector financiero, su impacto no puede interpretarse de la misma manera que en otros sectores. Y ah\u00ed es donde empiezan muchas de [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":5157,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"{\"document\":\"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Sin embargo, en el sector financiero, su impacto no puede interpretarse de la misma manera que en otros sectores. 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