{"id":1384,"date":"2024-01-21T20:16:24","date_gmt":"2024-01-21T20:16:24","guid":{"rendered":"http:\/\/anbc.org.br\/?page_id=1384"},"modified":"2025-11-04T23:41:17","modified_gmt":"2025-11-04T23:41:17","slug":"about-anbc","status":"publish","type":"page","link":"https:\/\/anbc.org.br\/en\/sobre-a-anbc\/","title":{"rendered":"About ANBC"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><section data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-parallax-image=\"https:\/\/anbc.org.br\/wp-content\/themes\/genemy\/images\/banner-1.jpg\" data-opacity=\"1\" data-size=\"cover\" data-width=\"100%\" data-position=\"cover\" data-repeat=\"cover\" data-attachment=\"inherit\" class=\"vc_section wide-60 bg-tra m-top-default m-bottom-default p-top-default p-bottom-default vc_custom_1705004699980 bg-inherit\"><div class=\"container\"><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra vc_custom_1705004809308\"><div class=\"wpb_column vc_column_container vc_col-sm-2 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-8 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div  class=\"vc_wp_search wpb_content_element\"><div class=\"widget widget_search\"><div id=\"search-field\" class=\"search-widget\">\r\n    <form action=\"https:\/\/anbc.org.br\/en\/\"  role=\"search\" method=\"get\" id=\"searchform\" class=\"search-form\" data-trp-original-action=\"https:\/\/anbc.org.br\/en\/\">  \r\n        <div class=\"input-group mb-3\">\r\n\t\t  \t<input class=\"form-control\" placeholder=\"Enter your search here...\" aria-label=\"Search\" aria-describedby=\"search-field\" type=\"text\" name=\"s\" value=\"\">\r\n\t\t \t<div class=\"input-group-append\">\r\n\t\t    \t<button class=\"btn btn-lightgreen1\" type=\"submit\"><i class=\"fa fa-search\" aria-hidden=\"true\"><\/i><\/button>\r\n\t\t \t<\/div>\r\n\t\t<\/div>\r\n    <input type=\"hidden\" name=\"trp-form-language\" value=\"en\"\/><\/form>\r\n<\/div>\r\n\r\n\t\t\t\t\t\t\t\t\r\n\t\r\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-2 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/section><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-12 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\r\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_left\">\r\n\t\t\r\n\t\t<figure class=\"wpb_wrapper vc_figure\">\r\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\" ><img decoding=\"async\" class=\"vc_single_image-img img-fluid\"  src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/banner-sobre-a-anbc1.webp\" \/><\/div>\r\n\t\t<\/figure>\r\n\t<\/div>\r\n<\/div><\/div><\/div><\/div><section id=\"blog\" data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-parallax-image=\"https:\/\/anbc.org.br\/wp-content\/themes\/genemy\/images\/banner-1.jpg\" data-opacity=\"1\" data-size=\"cover\" data-width=\"100%\" data-position=\"cover\" data-repeat=\"cover\" data-attachment=\"inherit\" class=\"vc_section wide-60 bg-white m-top-default m-bottom-default p-top-default p-bottom-default vc_custom_1702769671289 bg-inherit\"><div class=\"container\"><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-12 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"row\">\t\r\n\t<div class=\"section-title text-center col-lg-10 offset-lg-1\">\r\n\t\t\t\t\t\t\t\r\n\t\t\t<h3 class=\"h3-xl\" style=\"font-family: 'Montserrat'; font-size: 1.8rem;\">What we stand for<\/h3>\r\n\t\t\t\t<p class=\"p-lg Default-color\" style=\"font-size: 1.2rem;\">\t\t<\/p>\t\t\r\n\t<\/div>\t\t\r\n<\/div> \t <!-- END SECTION TITLE -->\t<div class=\"vc_empty_space\"   style=\"height: 45px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-4 bg-tra\"><div class=\"vc_column-inner vc_custom_1712864681929\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: justify;\"><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3087\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/1.webp\" alt=\"anbc\" width=\"80\" height=\"80\" \/><\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Positive data<\/strong><br \/>\nThe 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4 bg-tra\"><div class=\"vc_column-inner vc_custom_1712864688529\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3088\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/2.webp\" alt=\"anbc\" width=\"80\" height=\"80\" \/><\/p>\n<p style=\"text-align: justify;\"><strong>Data Protection<\/strong><br \/>\nThe 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4 bg-tra\"><div class=\"vc_column-inner vc_custom_1712864695458\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3089\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/3.webp\" alt=\"\" width=\"80\" height=\"80\" \/><\/p>\n<p style=\"text-align: justify;\"><strong>Financial Education<\/strong><br \/>\nConsumers 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-4 bg-tra\"><div class=\"vc_column-inner vc_custom_1712864702311\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: justify;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3090\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/4.webp\" alt=\"\" width=\"80\" height=\"80\" \/><\/p>\n<p style=\"text-align: justify;\"><strong>Financial Citizenship<\/strong><br \/>\nThe 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4 bg-tra\"><div class=\"vc_column-inner vc_custom_1712864708713\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: justify;\"><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3091\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/5.webp\" alt=\"\" width=\"80\" height=\"80\" \/><\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Conscious Consumption<\/strong><br \/>\nConsumers 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4 bg-tra\"><div class=\"vc_column-inner vc_custom_1712864716009\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: justify;\"><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3092\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/6.webp\" alt=\"\" width=\"80\" height=\"80\" \/><\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Responsible Credit<\/strong><br \/>\nThe 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-4 bg-tra\"><div class=\"vc_column-inner vc_custom_1712864702311\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: justify;\"><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3093\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/7.webp\" alt=\"\" width=\"80\" height=\"80\" \/><\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Simple Debtor Notification<\/strong><br \/>\nANBC 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4 bg-tra\"><div class=\"vc_column-inner vc_custom_1712864708713\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: justify;\"><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-3094\" src=\"http:\/\/anbc.org.br\/wp-content\/uploads\/2024\/04\/8.webp\" alt=\"\" width=\"80\" height=\"80\" \/><\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>Regulation of the credit bureau sector<\/strong><br \/>\nWe 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.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4 bg-tra\"><div class=\"vc_column-inner vc_custom_1712864716009\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/section><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-3 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-6 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_video_widget wpb_content_element vc_clearfix   vc_video-aspect-ratio-169 vc_video-el-width-100 vc_video-align-center\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n\t\t\t<div class=\"wpb_video_wrapper\"><iframe loading=\"lazy\" title=\"Get to know ANBC, its objectives and how it works\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/hjsazufYDhc?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-3 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><section data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-parallax-image=\"https:\/\/anbc.org.br\/wp-content\/themes\/genemy\/images\/banner-1.jpg\" data-opacity=\"1\" data-size=\"cover\" data-width=\"100%\" data-position=\"cover\" data-repeat=\"cover\" data-attachment=\"inherit\" class=\"vc_section wide-60 bg-white m-top-default m-bottom-default p-top-default p-bottom-default vc_custom_1702769671289 bg-inherit\"><div class=\"container\"><div class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-12 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"row\">\t\r\n\t<div class=\"section-title text-center col-lg-10 offset-lg-1\">\r\n\t\t\t\t\t\t\t\r\n\t\t\t<h3 class=\"h3-xl\" style=\"font-family: 'Montserrat'; font-size: 1.8rem;\">MEMBER COMPANIES<\/h3>\r\n\t\t\t\t<p class=\"p-lg Default-color\" style=\"font-size: 1.2rem;\">\t\t<\/p>\t\t\r\n\t<\/div>\t\t\r\n<\/div> \t <!-- END SECTION TITLE -->\t<div class=\"vc_empty_space\"   style=\"height: 45px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-stretch-content=\"true\" class=\"vc_row wpb_row vc_row-fluid genemy-default bg-tra\"><div class=\"wpb_column vc_column_container vc_col-sm-12 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_empty_space\"   style=\"height: 45px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-1\/5 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\r\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\r\n\t\t\r\n\t\t<figure class=\"wpb_wrapper vc_figure\">\r\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\" ><img decoding=\"async\" class=\"vc_single_image-img img-fluid\"  src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2024\/05\/boavista-Equifax1-2.webp\" \/><\/div>\r\n\t\t<\/figure>\r\n\t<\/div>\r\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-1\/5 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\r\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\r\n\t\t\r\n\t\t<figure class=\"wpb_wrapper vc_figure\">\r\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\" ><img decoding=\"async\" class=\"vc_single_image-img img-fluid\"  src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2024\/11\/quoad-logo1.webp\" \/><\/div>\r\n\t\t<\/figure>\r\n\t<\/div>\r\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-1\/5 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\r\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\r\n\t\t\r\n\t\t<figure class=\"wpb_wrapper vc_figure\">\r\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\" ><img decoding=\"async\" class=\"vc_single_image-img img-fluid\"  src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2023\/12\/serasa-logo.webp\" \/><\/div>\r\n\t\t<\/figure>\r\n\t<\/div>\r\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-1\/5 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\r\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\r\n\t\t\r\n\t\t<figure class=\"wpb_wrapper vc_figure\">\r\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\" ><img decoding=\"async\" class=\"vc_single_image-img img-fluid\"  src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2023\/12\/logo-spc-brasil.webp\" \/><\/div>\r\n\t\t<\/figure>\r\n\t<\/div>\r\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-1\/5 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\r\n\t<div  class=\"wpb_single_image wpb_content_element vc_align_center\">\r\n\t\t\r\n\t\t<figure class=\"wpb_wrapper vc_figure\">\r\n\t\t\t<div class=\"vc_single_image-wrapper   vc_box_border_grey\" ><img decoding=\"async\" class=\"vc_single_image-img img-fluid\"  src=\"https:\/\/anbc.org.br\/wp-content\/uploads\/2023\/12\/logo-transunion.webp\" \/><\/div>\r\n\t\t<\/figure>\r\n\t<\/div>\r\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-12 bg-tra\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"vc_empty_space\"   style=\"height: 60px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><\/div><\/section><div class=\"vc_row-full-width vc_clearfix\"><\/div><section data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-parallax-image=\"https:\/\/anbc.org.br\/wp-content\/themes\/genemy\/images\/banner-1.jpg\" data-opacity=\"1\" data-size=\"cover\" data-width=\"100%\" data-position=\"cover\" data-repeat=\"cover\" data-attachment=\"inherit\" class=\"vc_section wide-60 bg-lightgrey m-top-default m-bottom-default p-top-default p-bottom-default bg-inherit\"><div class=\"container\"><\/div><\/section><div class=\"vc_row-full-width vc_clearfix\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"O que defendemos Cadastro Positivo A aprova\u00e7\u00e3o do Cadastro Positivo para todos, com possibilidade de sa\u00edda caso essa seja a vontade do consumidor ou da empresa, permitir\u00e1 redu\u00e7\u00e3o da inadimpl\u00eancia e consequente queda da taxa de juros cobrada nos empr\u00e9stimos...","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/onepage-template.php","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Sobre a ANBC - O que defendemos","_seopress_titles_desc":"Sobre a ANBC: Cadastro Positivo, Prote\u00e7\u00e3o de Dados, Educa\u00e7\u00e3o Financeira, Cidadania Financeira, Consumo Consciente","_seopress_robots_index":"","pgc_sgb_lightbox_settings":"","footnotes":""},"class_list":["post-1384","page","type-page","status-publish","hentry","no-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/pages\/1384","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/comments?post=1384"}],"version-history":[{"count":15,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/pages\/1384\/revisions"}],"predecessor-version":[{"id":5643,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/pages\/1384\/revisions\/5643"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=1384"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}