Resolution SBS No. 00771-2026: Extension of Deadline for Implementing Security Measures in Credit Card Operations

Los Laureles Nº 214 - Lima 27 - Perú Telf. : (511) 6309000 Lima, March 13, 2026

RESOLUTION SBS
No. 00771-2026

The Superintendent of Banks, Insurance, and Private Pension Fund Administrators

CONSIDERING:

That, by means of Resolution SBS No. 6523-2013, the Credit and Debit Card Regulations were approved, which establishes general provisions applicable to credit and debit cards, including those referring to the responsibilities of companies in carrying out operations and the necessary validations required to verify the identity of each cardholder;

That, by means of Resolution SBS No. 2286-2024, the regulatory framework for the use of cards was modified, whose seventh article set the date for the implementation of the regulatory modifications referred to operations with present credit cards, non-present credit or debit cards, and liability for losses in unrecognized operations as July 1, 2025;

That, by means of Resolution SBS No. 2220-2025, after evaluating the degree of progress in the implementation of regulatory adjustments, as well as the volume and transactionality of cards issued by companies in the financial system, the deadline set in subsection f) of Article 7 of Resolution SBS No. 2286-2024 was extended until April 1, 2026, only regarding the case specified in subsection b.2) of said Article 7;

That, considering the progress of companies in the financial system to date in implementing dual-factor authentication in operations with present credit cards issued before July 1, 2025, this Superintendency has identified that companies require a longer deadline to comply with the adjustments indicated in the previous paragraph, considering, among other aspects, the process of renewing their card stock;

Being in accordance with the opinion of the Adjunct Superintendencies of Banking and Microfinance, and of Regulation and Legal Affairs, as well as the Risk Management and Market Conduct and Financial Inclusion Departments; and,

This is an electronic document, archived by the Superintendency of Banks, Insurance, and AFP. Its authenticity and integrity can be verified through the following web address: https://servicios.sbs.gob.pe/VerificaSBS/validacion, entering the following: Verification Code: XVBV5Q001. The integrity of the document and the authorship of the signature(s) can be verified at: https://apps.firmaperu.gob.pe/web/validador.xhtml

Los Laureles Nº 214 - Lima 27 - Perú Telf. : (511) 6309000

In exercise of the powers conferred by the General Law of the Financial System and of the Insurance System and the Organic Law of the Superintendency of Banks and Insurance, Law No. 26702 and its modifying norms, and pursuant to the Thirty-Second Final and Complementary Provision of said Law No. 26702;

RESOLVES:

Article One.- Extend the deadline set in subsection f) of Article 7 of Resolution SBS No. 2286-2024 until June 1, 2026, only regarding the case specified in subsection b.2) of said Article 7.

Article Two.- This Resolution enters into force the day following its publication in the Official Gazette El Peruano.

Register, communicate, and publish.

SERGIO JAVIER ESPINOSA CHIROQUE
SUPERINTENDENT OF BANKS, INSURANCE, AND AFP

This is an electronic document, archived by the Superintendency of Banks, Insurance, and AFP. Its authenticity and integrity can be verified through the following web address: https://servicios.sbs.gob.pe/VerificaSBS/validacion, entering the following: Verification Code: XVBV5Q001. The integrity of the document and the authorship of the signature(s) can be verified at: https://apps.firmaperu.gob.pe/web/validador.xhtml