How the Positive Registry helps with real estate loans
Follow on Google News How the Positive Registry helps those without proof of income to obtain real estate loans The real estate sector has the potential to boost any country's economy. In Brazil, the opportunities in this strategic market are...
Entrepreneur by necessity is a major beneficiary of the new Positive Registry
Follow on Google News Last year alone, the number of new companies in Brazil grew by 14% compared to the previous year, according to a survey of the sector. The highlight was the creation of individual micro-enterprises, also known as...
New Positive Registry approved by the Chamber of Deputies
Follow Google News Last night's approval by the Chamber of Deputies of the supplementary bill (PLP 441/2017) amending the Positive Registry legislation represents a major victory for society. Federal deputies should be...
Credit bureaus produced around 338 studies last year
Follow on Google News In 2018 alone, credit bureaus operating in the Brazilian market produced around 338 studies. This high number of surveys, studies and analyses demonstrates the sector's important role in generating highly relevant information...
Four out of ten Brazilians in debt
Follow on Google News Four out of ten Brazilians in debt belong to the younger generations The younger generations are in debt, with 25 million people in the red, in a scenario of extremely high defaults that affects more than 60 million Brazilians....
Why should stimulating credit be a priority for the new government?
Follow on Google News At the end of last year, the ANBC (National Association of Credit Bureaus), on behalf of the sector, delivered an open letter to the new government's economic team on the importance of stimulating credit in a sustainable way for the...
Against indebtedness, bureaus invest in financial education
Follow on Google News Over the last five years, credit bureaus have invested heavily in getting closer to consumers. To this end, they offer a variety of services and information aimed at promoting financial education, enabling Brazilians to make the best decisions...
Tools to combat over-indebtedness
Follow on Google News Today I want to address the problem of over-indebtedness, which affects an increasing number of Brazilians and ends up affecting the whole family. According to recent research into this issue, the degree of over-indebtedness varies...
Low credit recovery in Brazil increases the banking spread
Follow on Google News For every R$ 1 of default, Brazilian banks only recover R$ 0.13 - that's right: thirteen cents - and only after four years. By way of comparison, in the OECD countries (Organization for Economic...
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....
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...
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...