Pawnshops: maximum interest, deadlines and when they can sell
Act 23-2011 sets interest between 5% and 20% per 30 days, caps service charges at $1, and requires holding the item 30 more days after maturity.
August 23, 2026
Agency
Oficina del Comisionado de Instituciones Financieras (OCIF)
Created by Ley 4-1985, it regulates and supervises Puerto Rico’s financial institutions and handles complaints against them: banks organized in Puerto Rico, mortgage companies, pawnshops, check-cashing businesses, money transmitters, small personal loan companies and securities brokerages, among others. It also holds the money from inactive accounts and unclaimed property until its owner claims it.
Agency's official siteGuides related to this agency
Complaint against a bank, mortgage company or lender
The OCIF handles complaints against Puerto Rico financial institutions, but not against “N.A.” banks, cooperatives or out-of-state banks. Here is the line.
August 15, 2026
Unclaimed money: inactive accounts and abandoned property
After five years of inactivity the bank hands your money to the OCIF. Claiming it is free and needs no contract with anyone. You search at missingmoney.com.
August 15, 2026
They must hand you a copy of the note and everything you signed
Act 96-1971 requires handing the debtor a copy of the note and any other signed document, and caps how much of your savings can be pledged.
August 24, 2026
Small personal loan: the APR and rates they must publish for you
Act 110-2026 requires every lender to publish its rates weekly and to tell you the APR with all charges, in plain language.
August 28, 2026
Loss mitigation before you lose the house
Act 169-2016 bars the creditor from starting collection once it receives your loss-mitigation request, and forbids refusing partial payments.
August 30, 2026
The interest a court judgment pays
OCIF certifies two interest rates on judgment amounts every six months: one for government, one for everyone else.
September 2, 2026
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