Low debt outside the negative list
This article was translated by an automatic translation system, and was therefore not reviewed by people.
Luciele Velluto
Who pays debt with shares of up to $ 60 will not enter into the database of defaulters
Who owes installments of up to $ 60 in product will not enter negative delinquent, according to the draft law 2.798/03, which was attached to the project 836/03 - approved on Tuesday in the House. The text refers to the creation of the positive list of consumers.
The figure excludes payment fees and fines. "The measure is aimed at poor people who need credit," says the writer of the congressman Maurício Rands (PT-PE).
According to the text, as debts bills, water, gas and telephone will not be appearing in the register not, but you can count on the positive points for those in order. "He should already be punished by disconnection," he says. Currently, those who have debt with the companies of basic services is named on the list of debtors Professionals or the Central Credit Protection (OCCP).
For Marcel Solimeo, economist of the Commercial Association of Sao Paulo (ACSP), the two clauses go against the project itself. "We have as much interest in the positive list, but so is almost unfeasible negative," he said. "If the person fails to pay $ 30, as she wants to take credit?" He argued.
The Brazilian Institute of Consumer Defense (Idec) complains about the lack of consumer access to information. "The ratio of consumption to be balanced, even so the companies want the consumer reports, they also need to inform yourself about credit," says Elisa Novais, a lawyer for the entity.
The rand is forecast that by the end of the positive list is worth, despite having to go through the Senate, and after that, depending on the sanction of President Luiz Inácio Lula da Silva.
The economist said the market is prepared to operate the new account. "The databases are ready to start on the day of approval. But there is a period of education for the consumer to join."
UNDERSTAND WHAT HAS BEEN APPROVED IN THE HOUSE
How the register of the consumer?
It will be a list that will include details of good and bad payers, as a ranking that can facilitate companies to examine the risk for lending to consumers, who may even bring down interest rates.
Who can be included in this ranking?
Micro and small enterprises, and individuals who choose to participate in the register. The databases may not include the consumer without prior authorization in the positive list.
What is the purpose of the positive list?
Reducing interest rates charged by banks and credit section of people who are current on their accounts. For the most optimistic, this will bring down the spread, ie the difference between the interest paid by financial institutions and customers.
What will be excluded from the register negative?
The data on who is delinquent on bills, water, gas and telephone will not be included in the register of debtors, as is done today. Unpaid installments of up to $ 60 also exclude the consumer
Source: IDEC
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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