# Panama consumer protection and regulatory activity

> Live situation record from CLSTR: https://clstr.news/situations/panama-consumer-protection-and-regulatory-activity
> Updated: 2026-10-27T15:06:11.000Z. Sources: 4. Developments: 2.

In 2026, Panama’s Consumer Protection and Defense of Competition Authority (Acodeco) engaged in significant regulatory enforcement and complaint processing.

Between January and September 2026, Acodeco issued 23 fines totaling B/. 65,200 for violations regarding consumer credit history services. The most common infractions involved including incorrect references for individuals, failing to remove expired references, and neglecting to update account statuses. Collection agencies, banks, and cooperatives were among the sectors sanctioned.

During the same nine-month period, Acodeco processed 2,562 consumer complaints totaling over B/. 26.6 million. The most frequent issue was breaches of warranties, followed by claims for money refunds, lack of information, and hidden defects. Real estate companies, department stores, and car dealerships were the sectors with the highest number of claims.

## Timeline

### 2026-10-27: Panama consumer complaints exceed B/.26.6 million in nine months

Panama's Acodeco reported 2,562 consumer complaints totaling over B/.26.6 million from January to September 2026, led by real estate and department stores.

2 sources. https://clstr.news/cluster/panama-consumer-complaints-exceed-b266-million-in-nine-months

### 2026-10-19: Acodeco imposes B/. 65,200 in fines for credit history irregularities

Panama's Acodeco fined various entities B/. 65,200 for credit history irregularities, including incorrect references and failure to update account statuses.

3 sources. https://clstr.news/cluster/acodeco-imposes-b-65200-in-fines-for-credit-history-irregularities

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Cite as: Panama consumer protection and regulatory activity. CLSTR, https://clstr.news/situations/panama-consumer-protection-and-regulatory-activity