CMF emite normativa que ajusta los requisitos de autenticación reforzada, permitiendo que grupos de clientes puedan seguir utilizando sus tarjetas de coordenadas - CMF Chile - Prensa y Presentaciones

https://www.cmfchile.cl/portal/prensa/615/w3-article-110879.html
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2026-06-08 08:51:42 · ggallwey@vixio.com
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CMF emite normativa que ajusta los requisitos de autenticación reforzada, permitiendo que grupos de clientes puedan seguir utilizando sus tarjetas de coordenadas La propuesta busca evitar que los clientes que presentan mayores dificultades en la adopción de mecanismos de autenticación alternativos a la tarjeta de coordenadas queden impedidos de realizar sus operaciones financieras digitales a partir del 1° de agosto de 2026.

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TITLE: Chile's Financial Markets Commission Adjusts Strong Customer Authentication Requirements for Vulnerable Client Groups BODY: On June 1, 2026, the Financial Markets Commission (CMF) announced modifications to strong customer authentication (SCA) requirements, permitting specified groups of clients to continue using coordinate card authentication beyond August 1, 2026. The CMF modified its General Normative Circular N°538 (NCG N°538) to allow financial institutions to exempt certain vulnerable customer segments from transitioning to the new Customer Strong Authentication (ARC) mechanism. The exemption applies to clients meeting predefined criteria: elderly customers aged 65 and above; individuals with deteriorated health conditions or disabilities; those with difficulty accessing physical service channels; or those lacking compatible or available trusted devices—such as smartphones—required for alternative authentication mechanisms. Financial institutions electing to establish customer groups permitted to retain coordinate card authentication must notify the CMF by August 1, 2026. The CMF emphasises that operations using coordinate cards will not qualify as ARC-compliant authentication. Consequently, financial institutions assume greater risk for unauthorised transactions conducted through coordinate card authentication. The modification also clarifies that electronic fund transfers between accounts held by the same customer at the same institution remain exempt from ARC requirements. Additionally, for recurring payments, strong authentication is required only when the customer initially enters the instruction. The CMF published a regulatory report detailing the norm's primary provisions and impact assessment. This adjustment aims to facilitate a smoother transition for financially vulnerable populations while maintaining security standards for the broader customer base. Financial institutions must implement these provisions by the August 1, 2026 deadline.
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  • ✓ By:ggallwey@vixio.com (58)