Positive data
The approval of the Positive Registry for everyone, with the possibility of withdrawing if the consumer or company so wishes, will allow for a reduction in defaults and a consequent drop in the interest rate charged on loans and financing.

Data Protection
The use of consumer registration information, in the cases defined by law, is in the public interest and takes precedence over private use. This use must always be responsible and in accordance with the law.

Financial Education
Consumers need to be aware of their spending and, just as importantly, save part of their earnings each month. In order to do this in the best possible way, they need the essential knowledge to manage their money well.

Financial Citizenship
The first step towards becoming part of a country's financial system is to open a bank account. From there, citizens have access to various financial products and services which, if used properly, contribute to their wealth development.

Conscious Consumption
Consumers cannot spend more than they earn. They need to know precisely what they spend and what their income is in order to keep their finances healthy or in order. The credit bureau helps consumers to do this by making their credit score available.

Responsible Credit
The credit bureau assesses the consumer's ability to pay and makes this information available to the market. Through this data obtained from reliable and credible sources, the bureau ensures the sustainability of credit in the country.

Simple Debtor Notification
ANBC believes that consumers should be notified of their arrears by means of a simple letter. This process allows the debtor to contact their creditor to negotiate and pay their overdue debt without having to pay a fee or undergo bureaucratic processes.

Regulation of the credit bureau sector
We are in favor of regulating the credit bureau market in Brazil to ensure that relations between those involved - bureau, consumer and financial institution - are always guided by ethics and transparency.