Clipping of news on Brazilian Culture, Law and Citizenship
01.15.2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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AR after the law expired on SP indicator does not compute Southeastern data. Bank debt are prominent in the Midwest
The bad economy, high interest rates and expensive credit made 2015 a year of turmoil for consumers of records with overdue bills. According to the indicator of the credit bureau (SPC Brazil) and the National Confederation of Shopkeepers (CNDL) last year ended with the Northeast region with the greatest variation in the number of delinquent compared to 2014, up 7.62 % compared to the previous year. Despite a slowdown compared to the high of November, the December result remains at high levels.
The four regions contemplated by this study, is the Northeast that the number of defaulters has grown the most in recent months. Then appear the Midwest (6.24%), South (5.10%) and North (3.92%). The indicator does not consider the data in the Southeast, which are suspended following the entry into force of the State Law 16,569 / 2015, known as the RA Law, which hinders the negativity of default in São Paulo.
The projection of the Chief Economist of the SPC Brazil, Marcela Kawauti for 2016 is that even with banks and merchants restricting lending - which limits the consumer debt - bad debt should continue accelerating the next few months due to the crisis of the economy Brazilian.
In the monthly comparison, ie between December and November 2015, was the South which recorded the biggest drop, with -1.78%, followed by the North (1.10%), Midwest (-0.89% ) and Northeast (-0.88%).
The law of AR is valid only for the State of São Paulo and states that the "inclusion of consumers' names in registers or consumers of databases, protection services to credit or counterparts, related to any breach of information does not require the authorization the debtor, but if the debt was not protested or not being charged directly in court, previously it must be informed in writing, and proven by the acknowledgment protocol (AR) signed its delivery at the address for him. "In addition, it determines to be granted a minimum period of 15 days to debt settlement or payment voucher presentation, before being effective registration of user name in the credit protection records.
The main criticisms of the credit card companies are raising the cost to creditor enterprises and the consequent increase in the term of the CPF negativity cycle in databases. In October, the Serasa Experian - which has the largest database of credit profile data in the country - issued a statement informing the indefinite suspension of the dissemination of indicators.
Source: Economic Brazil
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This article was translated by an automatic translation system, and was therefore not reviewed by people.