Resumo

DEVIS-CANTILLO, Juliana; GOMEZ-QUINONES, María del Pilar  e  LOPEZ-PONTON, Erika. The obligation of information and information asymmetries in the Colombian banking market. Rev.econ.inst. [online]. 2019, vol.21, n.41, pp.161-186.  Epub 06-Ago-2019. ISSN 0124-5996.  https://doi.org/10.18601/01245996.v21n41.07.

The information asymmetry increases the transaction costs. This fact calls the State's regulation on the contracts developed by the market's agents in order to get efficient results. In Colombia, the Habeas Data law was created to manage conflicts arising from the asymmetry of information between users and financial entities. However, its ability to solve this market's imperfection in the banking sector is still limited. In this article, we present results that validate the previous statement based on the analysis of this legal instrument, retaking concepts of the "Law and Economics" and a comprehensive review of Constitutional Court decisions.

Palavras-chave : Information asymmetry; law and economics; obligation of information; banking sector; JEL: G21, G28.

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