Abusive clause in banking contracts Capitalism versus Solidarity Checks and Balances Commercial Law Constitutional Court Constitutional Reform in Colombia Constituyente derivado Control and audit of banks Corte Constitucional Defender of the banking consumer Derecho Comercial Derechos del consumidor financiero Derechos fundamentales Derivative Constituent Education to the banking client Elites Equilibrio de poderes Fundamental Rights Habeas Data Poverty in Medellín Public service Reforma constitucional en Colombia Responsible Production Rights of the financial consumer Solidarity Circles Solidarity Economy Surplus and Responsibility capitalismo versus solidaridad clausulas abusivas en contratos bancarios control y fiscalización de los bancos