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    "headline": "Colombia's Usury Rate Drops to 29.24% in September, First Decline in 2026",
    "dek": "Colombia's financial regulator lowered the maximum usury rate to 29.24% for September, the first decrease of the year.",
    "prose": "The Superintendencia Financiera certified the usury rate at 29.24% for September 2026, a reduction of 0.42 percentage points from the 29.66% rate in August. [^1]\n\nAndrés Gutiérrez, CEO of Tpaga, stated that the company plans to multiply its annual transaction volume by five within the next year. [^2]\n\nThe new rate of 29.24% sets the maximum ceiling that financial entities can charge for consumer and ordinary loans. [^3]\n\nThis rate reduction marks the first decline in the usury indicator for 2026, following several months of increases and a period of stability in July. [^4]\n\nAndrés Gutiérrez reported that the partnership with Serfinanza has resolved the fintech's primary challenge regarding profitability. [^5]\n\nSerfinanza acquired a 30% stake in Tpaga in March as part of a digital transformation strategy. [^6]\n\nTpaga currently serves over 4.5 million unique users across various products including point-of-sale terminals and payment gateways. [^7]\n\nBanco W charges 29.16%, Serfinanza charges 28.91%, and Banco Falabella charges 28.73%, placing them among the entities with rates closest to the new usury limit. [^8]",
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      "statement": "The Superintendencia Financiera certified the usury rate at 29.24% for September 2026, a reduction of 0.42 percentage points from the 29.66% rate in August.",
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      "statement": "Banco W charges 29.16%, Serfinanza charges 28.91%, and Banco Falabella charges 28.73%, placing them among the entities with rates closest to the new usury limit.",
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