4 nov 2026 · @camila
What Law 2300 is and who it affects
Law 2300 of 2023, known in Colombia as “Dejen de Fregar” (“Stop Bugging Me”), sets when, through which channels, and how often a company may contact a consumer to collect a debt. It was published on July 10, 2023 and took effect on October 10 of the same year. Its goal is to protect people’s privacy from collection calls and messages outside permitted hours.
It does not apply only to banks. Any individual or company that carries out debt collection, directly or through third parties, must comply. The law also covers commercial and advertising messages sent by SMS, apps, web, email, and calls.
Permitted hours and contact frequency
Article 3 sets the window for collection contact. Outside it, there is no contact.
| Day | Permitted hours |
|---|---|
| Monday to Friday | 7:00 a.m. to 7:00 p.m. |
| Saturday | 8:00 a.m. to 3:00 p.m. |
| Sundays and public holidays | Prohibited |
Frequency rules also apply:
- You may not contact the consumer more than once on the same day.
- Once direct contact is established, you may not use several channels within the same week.
- If the consumer asks to be contacted at other times, the request must be made in a separate instrument from the contract, after it is signed.
- When contacting for collection purposes, you may not ask the consumer why they defaulted.
Contact channels and prohibitions
You may only contact the consumer through the channels they choose and authorize. Before you write or call, you must tell them which channels you have available.
The law’s text covers SMS, app or web messaging, email, and calls. These are the key rules:
- No collection on Sundays or public holidays, on any channel.
- No calls or messages outside the article 3 time window.
- Do not reach the same person through several channels in the same week.
- Do not follow up more than once a day.
- Do not ask why the debt went unpaid.
There are exceptions. You may send payment confirmations, alerts about suspicious transactions, or information the consumer requested. The national Do-Not-Call Registry for commercial SMS is run by the CRC and, according to the text we reviewed, still needed to be implemented.
Penalties
The Financial Superintendence and the Superintendence of Industry and Commerce oversee compliance, each within its own remit. Anyone can file a complaint with either one. The sources we reviewed do not detail the fine amounts, so check the official text before publishing any figures.
Who it applies to and what companies should do
The law applies to entities supervised by the Financial Superintendence and to anyone who carries out debt collection. If your company only sends commercial messages, it also applies on that front.
In practice, it helps to:
- Set collection hours and configure your CRM or dialer to block Sundays, holidays, and times outside the window.
- Record which channel the customer authorized, and stay on it.
- Keep a log of contacts per week and per day.
- Offer an easy way to opt out of commercial messages.
This is an informational summary, not legal advice. Before changing your processes, review the official text with your lawyer.
Sources
- Law 2300 of 2023 (compiled text): articles 1, 3, 5, and 7, with commentary from the Bogotá Chamber of Commerce.
- Communications Regulation Commission, opinion on Law 2300
- Koa, guide to contact hours
- Valora Analitik, coverage of the law
