Why do defaults and taxation affect the banking spread?
Follow on Google News Today we have around 62 million Brazilians in default, the equivalent of Italy. Default is the non-payment of a bill or debt. The defaulting consumer therefore has an outstanding financial obligation....
Positive Registration CBN Vitória
Follow on Google News Interview with ANBC President Elias Sfeir for CBN Vitória on October 22. Listen: Cadastro Positivo Front - Cadastro Positivo CBN Vitória
What are the variables that influence the banking spread?
Follow on Google News One of the subjects most covered by the press is the banking spread. In recent months, the economy's basic interest rate has fallen to a record low. Selic is currently at 6.5%, but the rates charged by...
Positive Registry Law complements CDC and LGPD
Follow on Google News Positive Registry Law complements CDC and LGPD in consumer protection Bill that amends the CP law maintains the principles enshrined in international law and also used in the Consumer Protection Code...
The importance of digital for credit recovery
Follow on Google News Everyone has noticed that digital is causing radical changes in the processes adopted by companies. The growing relevance of digital is nothing new to entrepreneurs. Consumer habits have changed and continue to be...
The role of bureaus is also to help consumers
Follow on Google News The role of credit bureaus is also to help consumers make good financial decisions Credit bureaus have one of their roles in helping consumers make better financial decisions. Not just to help them manage their...
Cadastro Positivo receives wide coverage in the national press
Follow on Google News The change in the rules of the Positive Registry, which is being discussed in the Chamber of Deputies, is arousing interest in the press and receiving support from opinion formers. We can make this claim based on the recent results obtained...
New Positive Register will expand data protection
Follow on Google News The change to the positive credit record, proposed by PLP 441/2017, could change the way credit is granted in Brazil. In addition to reducing defaults, which affect more than 60 million Brazilians, the new...
How does the State contribute to financial citizenship?
Follow on Google News In the last humanist democratic culture, Citizenship could be summarized as if a person respects the laws with the right behavior, the State provides safety and well-being to this person. When we talk about well-being, it...
Positive registration can provide more guarantees
Follow on Google News Positive registration could provide more guarantees for credit and reduce interest rates Source: https://m.cbn.globoradio.globo.com/ Linha Aberta - Carlos Alberto Sardenberg The rates charged by credit cards and overdrafts are very high because there is no security...
How does the state contribute to financial citizenship?
Follow on Google News In the last post, I talked about the importance of Financial Citizenship for society to access well-being in democratic systems. Returning to the topic, the first step towards achieving this goal is financial inclusion and...
What does Financial Citizenship mean and why is it important?
Follow on Google News In democratic systems, the concepts of Citizenship and State have expanded. Traditionally, Citizenship gives people the right to participate in decisions that affect social well-being in exchange for responsible behavior within society. But in societies experiencing...
What does Financial Citizenship mean and why is it important?
Follow on Google News In democratic systems, the concepts of citizenship and the state have expanded. Traditionally, Citizenship gives people the right to participate in decisions that affect social welfare in exchange for responsible behavior within society....
Electronic media
Follow on Google News Electronic media: the search for efficiency in notifying borrowers of debt Notifying borrowers of the existence of a debt in their name should be done as efficiently as possible. This is a stage...
How do credit bureaus obtain information about consumers?
Follow on Google News By now, after reading my last post here on LinkedIn, you know what role credit bureaus play in the economy. Today we're going to talk about the work they do to ensure that...
What are credit bureaus and what are they for?
Follow on Google News If you've ever wondered what credit bureaus are and what they're for, rest assured. Rest assured that you weren't the first and you won't be the last. From now on, I'm going to answer these...
New Positive Registry changes banking secrecy
Follow on Google News New Positive Registry changes banking secrecy to protect consumer data Bill 414/2017, which changes the rules of the Positive Registry, is being analyzed by the Chamber of Deputies after being approved...
New Positive Register respects consumer wishes
Follow on Google News New Positive Registry respects consumers' wishes and protects their information As has been widely reported in recent days, the bill that makes it automatic for consumers to join the Positive Registry has been approved by the Senate. O...
How will consumers benefit from the new Positive Register?
Follow on Google News The Positive Registry is a consumer right. They should be guaranteed the best credit rating, which only happens if the positive data is also shared with the market, not limited to...
7 benefits for consumers of the new Positive Register
Follow on Google News The new Cadastro Positivo model, which should be approved soon, is an achievement for Brazilian consumers. The right to the Register will now be exercised automatically, overcoming the obstacles and complexity...
What is the Positive Registry like in other countries?
Follow on Google News A recent study by LCA Consultores showed how the Cadastro Positivo works in the United States, the United Kingdom, Germany, Belgium and Mexico, countries that have had success with its application. With the exception of Germany, they have in common the automatic inclusion of consumers...
New Positive Registry will inject around R$ 1 trillion into the economy
Follow on Google News The implementation of the Cadastro Positivo opt-out model could inject around R$ 1.1 trillion into the economy and include more than 22 million Brazilians in the credit market. These figures were published in a study by Serasa Experian,...
Why is the Opt out model ideal for the Positive Registry?
Follow on Google News The inclusion of a CPF in the database under the Opt in concept depends on the consumer's interest. This model provides for prior authorization by the consumer to open a register. In Brazil, the Cadastro Positivo was...
The benefits of the credit score
The concept of a credit score gained momentum in the 80s. Until then, the decision on the granting and conditions of credit depended solely on human judgment, based on the so-called “name on the square”.....