Clipping of news on Brazilian Culture, Law and Citizenship
10/17/2013
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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To avoid over-indebtedness , the bank may be liable
Photo : Adriano Machado / Bloomberg
BRASILIA - After more than a year of discussions , the report with the proposed update of the Code of Consumer Protection is about to be voted on in Congress and attacks one of the types of credit that has worried the government, payroll loan . The text , which the GLOBO had access exclusively, not only consolidates the understanding that the sum of installments for the payment of debts can not be more than 30 % of monthly net income , but also states that financial institutions will be jointly responsible for indebtedness of the consumer , in the event of breach of the limits and should even review the payment terms and reduce interest and penalties .
The text states that the consumer may , within seven days , give the hiring payroll credit , from the date of execution or of receiving a copy of the contract , without giving any reason. Senator Ricardo Ferraço ( PMDB - ES ) , Rapporteur of the project , explained that the proposal considered the new Brazilian economy and the inclusion of thousands of people in the banking system in recent years .
- Access to credit has increased, but was accompanied by a high level of debt . The supply of credit has to be shared responsibility - assessed the senator, who should read the report tomorrow in temporary committee to modernize the Code of Consumer Protection .
Ban ads with ' zero '
The expectation is that the bill will be voted on next week . According to the rapporteur , another important measure is the ban on broadcasting advertising credit with the terms " interest free " , " free " or " zero " .
- The advertisements speak in 24 installments without interest . But the interest is built into the final price . This is false - he said.
Vera Remedi , advisor to the executive board of the Procon - SP , assessed that although standards exist that talk about the limit of 30 % of the monthly income of the consumer , in the case of payroll , the inclusion of the topic in the CDC increases the responsibility of the banks that process. Program Coordinator Support superendividado organ , Vera said , in a year , 1,019 people participated in the initiative that seeks to guide the consumer and broker to renegotiate their debts with creditors collective audiences . Of this total , 342 participated in hearings .
- The situation of debt distress stems from the lack of planning . Often , the consumer faces unexpected situations such as unemployment or illness , that exacerbate the problem .
In the case of e-commerce , text rises from seven to 14 days the deadline for cancellation of the contract, of the receipt of the product or the contract is signed . The report maintains the proposed differentiation for exercise of this right in the case of airline ticket purchases , as anticipated GLOBE in July . In this case , the National Agency of Civil Aviation may prepare specific regulations , which may reduce or increase the time limit for cancellation of purchase without charge to the passenger.
In assessing the institutional coordinator of the Consumers Association - Protest , Maria Ines Dolci , differentiation within repentance for ticket purchases would be negative , since they contribute to distinct understandings of the courts. For her , the best option to revise rules related to the topic would be the adoption of specific regulations , without changes in CDC .
- We also need a more intense supervision , so that companies that harm consumers are punished - said .
Ferraço highlighted that advertising that employs child or adolescent on condition spokesman for consumer appeal will be considered unfair . In practice , the rapporteur said , the text prohibits advertising directed child . According to the report , collective actions have priority processing and judgment, relieve the judiciary . As for Procon , text welcomed the Executive's proposal to strengthen consumer protection agencies . The conciliation hearings in Procons be considered in court hearings to avoid the process to be started from scratch in the judiciary when there is agreement between customers and companies .
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This article was translated by an automatic translation system, and was therefore not reviewed by people.