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Great news: The VISA broke some paradigms and generated a new system for regularizing assigned credit.
It comes into effect from January 2020, announced this Tuesday (24), a self-regulation system was created for the modality of payroll loan.
That is, payroll deduction payments now have measures that provide greater clarity to the business and contribute to countering commercial abuse.
The new system was created by Febraban – Brazilian Federation of Banks – and ABBC – Brazilian Association of Banks, has 23 institutions that offer the product.
Some banking principles were valued, three of which were the main objectives, in favor of credit regularization.
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For those who no longer wish to receive offers of payroll loans, a call blocking option will be available.
In addition, a database will monitor and track complaints about inappropriate credit offers.
Finally, measures aimed at service transparency, combating commercial abuse and qualification for banking correspondents.
Development
The idea is to develop a system based on the “Do Not Disturb” system, used by some consumer protection agencies.
However, this creation will be focused on the area of regularization of payroll loan and for the customer.
To register, you must dial “Do Not Disturb” via mobile or landline phone so that you will never again be bothered by any unwanted loan offer.
After a testing phase, it will be fully available from January.
Commercial credit abuse
The measure is appropriate to eliminate harassment from invasive offers to consumers, including those for portability of payroll loans.
Banks must commit to blocking the resources of correspondents who carry out credit portability transactions or at least refinancing before 360 days.
The correspondents will be assessed according to the assessment of the items that are objectively in line with the purpose of the measure. If the banks have more negligent conduct, they may receive fines for the violations.
The amounts range from 45 thousand reais to 1 million reais, depending on the severity of the infraction.
The size of the financial institution will also be taken into consideration, and the amounts will be allocated to financial education plans.
In a way, the banks have come together to eliminate the actions, before a harsher penalty comes and ends the slack.
Generally, the payroll loan It does not have a wider margin for negotiation, since it is discounted from the payroll.
After all, this is how the creditor guarantees receipt of the loan amount and regularization of the credit.
You can never be too careful
Many seniors, retirees and pensioners fall into the trap of getting a payroll loan, in which it is approved by several banks at the same time, without even having paid off the first one.
Despite the good intentions, which are taken into account through the measure, we need to be aware of so many new political and social impacts in Brazilian territory.
