Bank payroll loans contracted from two or more financial institutions: a perspective in light of consumer law as a fundamental right
This article aims to shed light on the fact that paycheck-deductible loans by banks and credit providers without an accurate verification of the consumer's financial health is an abusive practice. This type of credit must take up to 30% of the net salary and is divided into installments that ar...
| Autor: | |
|---|---|
| Tipo de recurso: | artículo |
| Estado: | Versión publicada |
| Fecha de publicación: | 2020 |
| País: | Brasil |
| Institución: | Defensoria Pública da União (DPU) |
| Repositorio: | Revista da Defensoria Pública da União (Online) |
| Idioma: | portugués |
| OAI Identifier: | oai:ojs2.172.28.97.76:article/318 |
| Acceso en línea: | https://revistadadpu.dpu.def.br/article/view/318 |
| Access Level: | acceso abierto |
| Palabra clave: | Payroll loan. Consumer law. Fundamental right. Over indebtedness. Empréstimo consignado. Direito do Consumidor. Direito Fundamental. Superendividamento. |
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Bank payroll loans contracted from two or more financial institutions: a perspective in light of consumer law as a fundamental right Empréstimos bancários consignados de duas ou mais instituições financeiras: uma perspectiva à luz do direito do consumidor como direito fundamental Pinheiro, Miguel Ângelo Portela Payroll loan. Consumer law. Fundamental right. Over indebtedness. Empréstimo consignado. Direito do Consumidor. Direito Fundamental. Superendividamento. This article aims to shed light on the fact that paycheck-deductible loans by banks and credit providers without an accurate verification of the consumer's financial health is an abusive practice. This type of credit must take up to 30% of the net salary and is divided into installments that are deducted directly from the customer's paycheck, which may compromise his or her family's subsistence, especially in the context of over-indebtedness in which a large part of Brazilians live. This reality is unacceptable under the Constitution of 1988, whose central value is the principle of human dignity, and the Consumer Protection Code, which was the subsystem conceived from the appointing of consumer protection as a fundamental right in art. 5th, XXXII. This is due to the intimate connection between human dignity and consumer dignity, since consumption is an inseparable part of life today and occurs in a naturally unbalanced relationship between suppliers and consumers. Accordingly, financial institutions must verify in detail the conditions of their customers to take payroll loans, otherwise they will be subject to contractual review in the judicial sphere in order to accommodate the loans in more installments as necessary, not exceeding the 30% established by Federal Law No. 10,820/2003. The defense of dignity as a fundamental right of personality far outweighs the right to credit satisfaction by banks and related organizations. O presente artigo visa trazer luz ao fato de que a concessão de empréstimos consignados em contracheque por parte de bancos e fornecedoras de crédito sem uma verificação apurada da saúde financeira do consumidor constitui prática abusiva. Este tipo de crédito deve tomar até 30% do salário líquido e é dividido em parcelas que são descontadas diretamente no contracheque do cliente, o que pode comprometer a sua subsistência e de sua família, especialmente no contexto de superendividamento em que se encontram boa parte dos brasileiros. Esta realidade é inaceitável no âmbito da Constituição Cidadã de 1988, cujo valor central é o princípio da dignidade da pessoa humana, e do Código de Defesa do Consumidor, que foi o subsistema concebido a partir da positivação da defesa do consumidor como direito fundamental no art. 5º, XXXII. Esta previsão expressa deve-se à ligação íntima entre a dignidade da pessoa humana e a dignidade do consumidor, pois o consumo é parte indissociável da vida nos tempos atuais e se dá em uma relação naturalmente desequilibrada entre fornecedores e consumidores. Deste modo, instituições financeiras devem verificar pormenorizadamente as condições de seus clientes assumirem empréstimos consignados, sob pena de sofrerem revisão contratual na esfera judicial a fim de acomodarem os empréstimos em mais parcelas quanto forem necessárias que não ultrapassem os 30% estabelecidos pela Lei Federal nº 10.820/2003. A defesa da dignidade enquanto direito fundamental da personalidade em muito supera o direito à satisfação do crédito por parte de bancos e organizações afins. Escola Nacional da Defensoria Pública da União https://revistadadpu.dpu.def.br/article/view/318 10.46901/revistadadpu.i13.p21-33 |
| title |
Bank payroll loans contracted from two or more financial institutions: a perspective in light of consumer law as a fundamental right |
| spellingShingle |
Bank payroll loans contracted from two or more financial institutions: a perspective in light of consumer law as a fundamental right Pinheiro, Miguel Ângelo Portela Payroll loan. Consumer law. Fundamental right. Over indebtedness. Empréstimo consignado. Direito do Consumidor. Direito Fundamental. Superendividamento. |
| title_short |
Bank payroll loans contracted from two or more financial institutions: a perspective in light of consumer law as a fundamental right |
| title_full |
Bank payroll loans contracted from two or more financial institutions: a perspective in light of consumer law as a fundamental right |
| title_fullStr |
Bank payroll loans contracted from two or more financial institutions: a perspective in light of consumer law as a fundamental right |
| title_full_unstemmed |
Bank payroll loans contracted from two or more financial institutions: a perspective in light of consumer law as a fundamental right |
| title_sort |
Bank payroll loans contracted from two or more financial institutions: a perspective in light of consumer law as a fundamental right |
| author |
Pinheiro, Miguel Ângelo Portela |
| author_facet |
Pinheiro, Miguel Ângelo Portela |
| author_role |
author |
| topic |
Payroll loan. Consumer law. Fundamental right. Over indebtedness. Empréstimo consignado. Direito do Consumidor. Direito Fundamental. Superendividamento. |
| topic_facet |
Payroll loan. Consumer law. Fundamental right. Over indebtedness. Empréstimo consignado. Direito do Consumidor. Direito Fundamental. Superendividamento. |
| description |
This article aims to shed light on the fact that paycheck-deductible loans by banks and credit providers without an accurate verification of the consumer's financial health is an abusive practice. This type of credit must take up to 30% of the net salary and is divided into installments that are deducted directly from the customer's paycheck, which may compromise his or her family's subsistence, especially in the context of over-indebtedness in which a large part of Brazilians live. This reality is unacceptable under the Constitution of 1988, whose central value is the principle of human dignity, and the Consumer Protection Code, which was the subsystem conceived from the appointing of consumer protection as a fundamental right in art. 5th, XXXII. This is due to the intimate connection between human dignity and consumer dignity, since consumption is an inseparable part of life today and occurs in a naturally unbalanced relationship between suppliers and consumers. Accordingly, financial institutions must verify in detail the conditions of their customers to take payroll loans, otherwise they will be subject to contractual review in the judicial sphere in order to accommodate the loans in more installments as necessary, not exceeding the 30% established by Federal Law No. 10,820/2003. The defense of dignity as a fundamental right of personality far outweighs the right to credit satisfaction by banks and related organizations. |
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2020 |
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https://revistadadpu.dpu.def.br/article/view/318 |
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Escola Nacional da Defensoria Pública da União |
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DPU |
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Revista da Defensoria Pública da União (Online) |
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Revista da Defensoria Pública da União (Online) |
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Defensoria Pública da União (DPU) |
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2020 |
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Pinheiro, Miguel Ângelo Portela |
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6,924472 |