Breyssiz Gómez Mercado Breyssiz Gómez Mercado works with the Superintendencia de Bancos y de Otros Instituciones Financieras (SBOIF) in Nicaragua. By Breyssiz Gómez Mercado Blog18 December 2013 Nicaragua’s System for Resolving Financial Complaints Nicaragua has made significant strides in consumer protection and financial inclusion since 2005, especially regarding its formalized complaints channel for credit card disputes.