Doctrina, Revista 110

Título Digital – Parte II (*): Análisis y propuestas

“Nunca pares, nunca te conformes

hasta que lo bueno sea mejor

y lo mejor sea excelente”.

 

Régimen Jurídico Automotor, artículo 6° in fine: “A todo automotor se le asignará, al inscribirse en el Registro por primera vez, un documento individualizante que será expedido por el Registro respectivo y se denominará “Título del Automotor”. Éste tendrá carácter de instrumento público respecto de la individualización del automotor y de la existencia en el Registro de las inscripciones que en él se consignen, pero sólo acreditará las condiciones del dominio y de los gravámenes que afecten al automotor, hasta la fecha de anotación de dichas constancias en el mismo”.

Mediante la Disposición DN 393/2017 se resolvió modificar el Digesto de Normas Técnico-Registrales en lo que respecta a la emisión del Título de Propiedad del Automotor, la cual entró en vigencia en el mes de octubre de 2017 y dispuso que, a partir de ese momento, los Registros Seccionales debían comenzar a expedir un título digital con firma electrónica.

Hoy -a poco más de un año de su implementación nos propusimos formular un breve balance, con un sucinto “racconto” de situaciones experimentadas en los Seccionales del país y propuestas para mejorar algunos aspectos del mismo.

No es intención del presente trabajo analizar al detalle las disposiciones y normas complementarias desde el aspecto teórico, sino ahondar en los casos que generan interpretaciones dispares, en las lagunas que han quedado, y en las dudas más recurrentes que han surgido en la práctica y el contacto con el público usuario de los Seccionales.

De una lectura integral del Régimen Jurídico Automotor, se colige que la redacción de la norma original estaba orientada a una realidad en la que los títulos del automotor consistían en una libreta o en un soporte papel. Ahora bien, la norma no ha perdido virtualidad y es destacable como, a pesar de que se dictó hace más de 20 años a la fecha, regula la necesidad del título como documento (conf. art. 6° RJA), mostrando una elasticidad que otorga directrices claras, pero sin encorsetarlo (v.gr. arts. 20 y 21 RJA).

Esta característica tan positiva del régimen permitió que, ante el avenimiento de las nuevas formas de soporte documental, la autoridad de aplicación pueda dar lugar al documento digital como lo conocemos actualmente, sin dejar de lado las previsiones mencionadas.

“Nunca pares, nunca te conformes hasta que lo bueno sea mejor y lo mejor sea excelente”.

Nos avocaremos, a continuación, a detallar algunas situaciones que frecuentemente se detectan en la práctica de los Seccionales y el contacto con el público usuario, a fin de reflexionar sobre las mismas, volcar la experiencia de los colegas y proponer a la autoridad distintas circunstancias para que merite si corresponde o no emitir una circular aclaratoria.

Así, las preguntas frecuentes respecto del tópico en análisis y que hemos detectado fueron las siguientes:

  1. ¿Se puede presentar el título digital impreso en lugar de la CAT para realizar transferencias en la futura radicación?

Experiencias en los Seccionales: es habitual que quien concurre a un Seccional para ingresar una transferencia con pedido no cuente con el CAT, ya que el vendedor le entregó solo una constancia impresa del título digital, o ha extraviado la constancia que le fue entregada.

Análisis normativo: la Disposición DN 393/2017, en el artículo 11, estableció: “Cuando el trámite se presente en la futura radicación el usuario deberá presentar la constancia de asignación de título”. Consideramos que la Disposición -incorporada al Digesto- es clara respecto a la necesidad expresa de la presentación de la CAT.

Propuesta: en caso de que el espíritu de la norma sea otro, ya que con la presentación del título impreso o de los códigos para validarlo podemos tener acceso al título digital, creemos que resultaría positivo aclararlo.

  1. ¿Debe solicitarse el título digital o la CAT en las transferencias presentadas en el Registro de radicación?

Experiencias en los Seccionales: notamos que hay criterios disimiles. Algunos Registros exigen la CAT o el título impreso para su presentación y otros no lo hacen, ya que se puede acceder por sistema para visualizarlo.Asimismo, en determinados casos, los Registros Seccionales sufren inconvenientes para acceder al título digital por alguna razón ajena al usuario y al mismo Seccional (por ejemplo, ante un legajo en el cual la asignación del título digital no fue otorgada por el Seccional de radicación actual que califica el trámite, sino que fue asignado por el Seccional que lo precedió).

Análisis normativo: entendemos que la Disposición DN 393/2017 ha modificado el Digesto en lo que al soporte papel del título se refiere; y se colige que el título debe ser presentado en todos los casos en que el Digesto así lo requiera. Esta afirmación resulta lógica si contamos con un solo formato de título y resulta inequívoca si la misma es en formato papel.

Ahora bien, cuando el formato del título es digital ¿debemos ser tan estrictos en esta exigencia?

Propuesta: consideramos que sería importante una aclaración al respecto, a fin de unificar criterios en una circunstancia tan cotidiana y que genera situaciones de desigualdad, dispendio de tiempo y dinero al usuario. En esta inteligencia, la propuesta que el sentido común y la práctica nos indica es la siguiente:

  1. Si el dominio cuenta con título digital, no será necesario presentar el título digital ni la CAT ante el Registro de radicación -que hubiere otorgado el título digital-, atento a que puede accederse al mismo desde el Seccional a través del sistema SURA, corroborando los datos necesarios en su caso. Por ello deviene en abstracto solicitarlo.
  2. En caso de que sea imposible acceder al TD por alguna razón – circunstancia que ocurre con algunos títulos digitales asignados durante los primeros meses de vigencia del nuevo formato, o en caso de que el título digital lo asignó un Seccional que no es el de la radicación actual- lo conveniente es comunicarse a la Mesa de Ayuda a fin de requerir el acceso al mismo; o en su defecto realizar el recupero.

Debería considerarse la opción de que el titular pueda realizar una denuncia de extravío de la CAT y/o título digital para estos casos puntuales, en los que no es posible el acceso por una circunstancia no imputable al particular; situación que actualmente no se encuentra expresamente normada pero que podría interpretarse en forma analógica.

  1. ¿Deberían incorporarse nuevas anotaciones posteriores?

Experiencia en los Seccionales: aún existen falencias respecto de algunos trámites que deberían generar automáticamente una anotación posterior. Como ejemplo de éstas podemos mencionar: la reposición de placas como trámite autónomo, la cual al no quedar plasmada como una anotación posterior obliga a agregar su toma de razón en “datos complementarios”, indicando también el nuevo número de control de la cédula respectiva, situación similar sucede -por ejemplo- con los trámites de cambio de motor, baja de motor, etc.

Análisis normativo: recordemos que algunos trámites generan una obligación de actualizar determinados datos sobre el título, estos se denominan “anotaciones posteriores”, y actualmente ellos son:

– Inscripción preventiva.

– Denuncia de robo o hurto.

– Denuncia de venta y prohibición de circular.

– Inscripción o cancelación de leasing.

– Inscripción, reinscripción, endoso o cancelación

de prenda.

– Expedición de toda clase de cédulas.

Esto significa que, una vez inscriptos cualquiera de los trámites mencionados, la toma de razón de los mismos se verá reflejada en el título del automotor en forma automática. Sin embargo, como lo mencionábamos en el párrafo anterior, existen algunas falencias prácticas al respecto que sería óptimo corregir para lograr mayor agilidad y evitar errores.

Si bien existe solución, esto es agregar la información manualmente como datos complementarios, creemos que sería de gran utilidad una modificación en este punto ya que la Disposición DN 393/2017 establece que la “emisión de ‘todo tipo’ de cédulas será considerada una anotación posterior.” Y, puntualmente, en el caso de reposición de chapas –por ejemplo-, esto no sucede y nos vemos en la necesidad de asentar manualmente dicha situación.

Tengamos en cuenta que esta falencia se produce al arancelar autónomamente el trámite, pero no sucederá lo mismo en los casos en que estos “trámites varios” sean arancelados en forma simultánea con la transferencia ya que al emitir “un nuevo título” en virtud de esta última, la situación se verá reflejada en el mismo producto de la actualización de datos que se genera.

Propuesta: proponemos que se agreguen los “trámites varios” mencionados (y todo otro que produzca la consecuente emisión de cédula) para que se reflejen en el sistema SURA como anotación posterior de forma automática.

  1. ¿Qué sucede en los trámites de baja de motor?

Emisión automática del Título.

Experiencia en los Seccionales: como se mencionó respecto de la baja de motor, la falencia se repite. Nos encontramos además con otro inconveniente, al admitir dicho trámite el sistema automáticamente arancela la emisión de un nuevo título del automotor.

Entonces, ¿corresponde emitir este nuevo título? ¿Debe ser abonado?

Análisis normativo: el Digesto establece que es requisito “Anotar la baja del motor en la Hoja de Registro y en el Título del Automotor”.

Esto pareciera indicar que no corresponde cobrar al usuario la emisión de un nuevo título; sin embargo, el Sistema SURA al admitir el trámite lo cobra automáticamente. Por ello entendemos que si la baja de motor estuviera contemplada como una situación que genera una anotación posterior, evitaría cobrar un arancel de título al usuario, y al Seccional la carga manual de los datos, dando cabal cumplimiento a la manda normativa.

Mientras que la autoridad no determine la conveniencia de incorporar la baja de motor a los trámites que generan una anotación posterior, entendemos que lo correcto -a fin de no imponer un costo extra al usuario y cumplimentar la norma- es no emitir un nuevo título, sino reflejar en datos complementarios la circunstancia analizada.

Por otro lado, tampoco desconocemos que sería dable entender que es correcto emitir un nuevo título digital, con fundamento en el artículo 1°, incorporado por la Disposición DN 393/2017: “Artículo 1º.- Los Registros Seccionales expedirán en cada oportunidad en que así lo establezca automáticamente el sistema, un ejemplar del Título Digital (TD), con firma electrónica, de acuerdo con el modelo que se adjunta como Anexo VII de esta Sección, el que deberá contener los siguientes datos: (…)”.

Ahora bien, que el sistema establezca automáticamente aquellos casos en los cuales se debe emitir un título, sin más previsión o respaldo normativo que el silogismo mencionado, no parece justificación suficiente para imponer un costo extra al usuario, máxime cuando la circunstancia puede reflejarse en el existente -situación que por otro lado se encuentra prevista expresamente en el plexo normativo-.

Propuesta: En este punto y atento la dicotomía planteada sería positivo que la Dirección Nacional aclare tal situación y, a nuestro criterio, la solución óptima radicaría en que la misma se registre como una anotación posterior ya que, como se mencionó, evitaría un arancel extra para el usuario que no deberá abonar un nuevo título; y agilizaría la tarea de los Seccionales.

  1. ¿Qué ocurre en el caso de la inscripción de prendas? Falta de consignación del monto en el Título Digital.

Experiencias en los Seccionales: con relación al trámite de prenda, se detectó que en el título digital no aparece automáticamente el monto de las mismas; resulta, entonces, necesario colocarlo en datos complementarios para que el portador del título cuente con la información requerida por la normativa respecto al gravamen prendario.

Análisis normativo: al respecto, el Título II, Capítulo XIII, Sección 2ª, artículo 5, inc. “c” del Digesto del automotor establece que resulta obligatorio:

“c) Asentar la prenda en la Hoja de Registro con el siguiente texto: “FECHA – Nº DE DOMINIO – GRADO – MONTO – ACREEDOR” y en el Título del Automotor, si éste se hubiere presentado, entregándolo luego al peticionario”.

Propuesta: sería bienvenida, entonces, una modificación por parte del sector informático de la Dirección Nacional al respecto.

  1. ¿Cómo debemos proceder en los trámites de robo o hurto del automotor?

Experiencia en los Seccionales: respecto del trámite de robo o hurto del automotor, uno de los temas más controvertidos desde la aparición del título digital es el procedimiento que debe adoptar el Registro cuando se ingresa un trámite de denuncia de robo o hurto del automotor y el usuario aún no posee título digital –ya que si lo poseyera no hay contradicción o interpretación posible, siendo que el mismo es un trámite que genera la anotación posterior sobre el título-.

Ahora bien, es usual encontrarnos con la situación de que el usuario que concurre a registrar el robo o hurto posee su título en formato papel. Surgen entonces los siguientes interrogantes: ¿debemos retener el título y destruirlo tal como lo establece el Digesto del automotor o no debemos destruir el título y la situación del robo debe quedar plasmada en el título en formato papel -asimilando el título papel al digital y entendiendo que debe asentarse la circunstancia como si se tratara de una anotación posterior?

Entendemos que esta última interpretación de la norma resulta muy forzada y, por lo tanto, no corresponde, por lo cual es correcto retener y destruir el título en formato papel -como se procedió históricamente-.

Ello nos lleva a las siguientes preguntas:

  1. ¿Debemos emitir un nuevo título (digital) en el que constará dicha situación como anotación posterior?
  2. En caso de emitir un nuevo título digital, ¿debe ser abonado por el usuario?
  3. ¿Qué debemos hacer con la constancia de titularidad que emite automáticamente el sistema?

Análisis normativo: no obstante haber desaparecido la constancia de titularidad del Digesto, el Sistema SURA la sigue emitiendo. Parecería, entonces, que la respuesta a estos interrogantes nos la brinda el sistema.

Sin embargo, la respuesta resulta clara y precisa del Anexo I de la Disposición DN 393/2017, en el denominado “Manual de tratamiento para título impresos en soporte papel”, de la misma surge que:

  1. Si el usuario posee un título en formato papel deberá retenerse el mismo, proceder a su destrucción y emitir la constancia de titularidad en su reemplazo -tal como dictaba la norma hasta antes del dictado de la disposición que puso en vigencia el título digital-.
  2. Si el usuario posee un título digital quedará asentado en el mismo el robo, como una anotación posterior sin necesidad de emitir la constancia de titularidad.

Propuesta: el mencionado Anexo resulta claro, sin embargo, el texto del Digesto y la disposición no lo son tanto, por ello en caso de que se emitiera una circular aclaratoria sobre título digital, entendemos que sería positivo recordar esta previsión y evitar cualquier tipo de interpretación al respecto.

  1. ¿Ha desaparecido el duplicado de título?

Experiencia en los Seccionales: una pregunta usual, en virtud del novedoso formato del título, es si estamos ante la desaparición del trámite de duplicado de título tal y como lo conocemos. A la fecha, la respuesta es que no; el mismo continua vigente y así seguirá siendo hasta tanto desaparezcan todos los títulos en formato papel.

Ahora bien, ante el extravío del título en formato papel, cuando el usuario concurra a realizar el trámite de duplicado del mismo, se encontrará con que el Seccional emite el reemplazo en su nuevo formato, digital.

Lo que no será posible es tramitar un duplicado de título digital, sino que se informa al usuario que debe hacer un recupero de la constancia de asignación de título -trámite gratuito y sin solicitud tipo alguna-.

¿Qué sucede en los casos de extravío de la constancia de título? Por ejemplo, cuando el usuario no puede acceder a su e-mail, ¿debería el usuario solicitar un duplicado de la constancia de asignación de título?, hasta el momento la norma no contempla esta posibilidad, pero se sobreentiende que se debe hacer un recupero de CAT modificando el e-mail de destino.

Sin embargo, nos preguntamos si modificar el correo electrónico del titular registral no implicaría un trámite de rectificación de datos (debiendo el usuario solicitarlo formalmente mediante TP o ST 02, abonando los aranceles correspondientes).

  1. ¿Qué debemos hacer cuando emitimos el título -y se remite automáticamente vía mail- pero se incumple con los convenios de complementación de servicios?

Experiencia en los Seccionales: encontramos que con la aparición del título digital algunos convenios de complementación de servicios, por ejemplo, respecto de la consulta de infracciones se han vuelto en la práctica parcialmente de imposible cumplimiento.

Análisis normativo: el convenio con SUGIT establece la obligación de realizar consultas de infracciones respecto a determinados trámites -como por ejemplo al realizar un duplicado de título-. Al ser el título digital y enviársele al usuario a través de la web, puede que éste no concurra al Seccional a cerrar el Formulario 13 de consultas de infracciones (obligatorio para varios trámites) con negativa de pago o abonando las infracciones en caso de poseerlas. En estos supuestos, cuando el Encargado toma razón del trámite a través del SURA, el titulo será remitido automáticamente a pesar de tener infracciones, incumpliendo de esta manera el Convenio con SUGIT.

Similar situación sucede en los casos de transferencia con enajenación de prenda; en los casos en que no se realiza la notificación al acreedor  prendario. El Digesto establece que el Registro Seccional deberá retener el título hasta tanto se produzca la notificación respectiva; situación que se torna de imposible cumplimiento con el nuevo formato.

Propuesta: ante esta situación proponemos que se aclare la imposibilidad de su incumplimiento y se libere al encargado de responsabilidad al respecto o, en su defecto, que exista la posibilidad de no enviar el título hasta tanto se resuelvan las infracciones u otras situaciones (opción que no nos parece recomendable ya que implica un recargo en la tarea de difícil cumplimiento, además se desvirtúa la esencia del avance y la automatización del título digital).

Conclusión

 

A poco más de un año de la puesta en vigencia del título digital celebramos su implementación y rescatamos sobre todo la seguridad que genera su consulta y validación on-line. Sin embargo, creemos que es necesario que la autoridad brinde

aclaraciones respecto de las circunstancias planteadas -v.gr. mediante una circular aclaratoria- a fin de dar un cierre a los vacíos que la aplicación de la norma genera. El arduo trabajo realizado por el área informática de la Dirección Nacional muchas veces complementa la norma, pero aceptar que sea el sistema quien determine como amalgamar la práctica  con el plexo normativo no puede ser una solución permanente.

Comprendemos que todos los cambios de paradigma generan inconvenientes y es nuestro deber colaborar para evitarlos, solucionarlos y no transmitir los mismos al público usuario; por ello, con este trabajo, queremos contribuir acercando al área que corresponda las experiencias de nuestra labor diaria, a fin de realizar cambios que contribuyan a un trabajo de excelencia y conjunto.

La posibilidad de emitir una copia impresa de la CAT junto con los trámites para entregarle al peticionante fue una solución que -lejos de ser un paso atrás con

las medidas implementadas- consolidó y acercó al usuario con el nuevo formato del documento. Reconocer que hay usuarios que tienen dificultades en el acceso a internet o no manejan con fluidez la tecnología, poniendo a disposición esta opción ha sido de gran ayuda para facilitar la experiencia del usuario frente a los cambios.

El posible rechazo de quien no es nativo de la era tecnológica y que desea contar con un título, en formato papel, se transforma tras recibir explicaciones en cuanto a la seguridad -a través de la posibilidad de la validación on-line- y la accesibilidad de

un título constantemente actualizado, generando la confianza y satisfacción de quien comparte el conocimiento que fundamenta una medida.

Sin dudas estamos en el camino correcto, y en un horizonte próximo se podrá mudar paulatinamente el formato de otros documentos (¿las cédulas?), aprovechando la experiencia y el esfuerzo de todos los actores del sistema en la implementación del título digital. A poco más de un año de su implementación, podemos afirmar que es un éxito.

(*) La 1ª parte de esta nota fue publicada por Ámbito

Registral en su edición núm. 99 – junio 2018.

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