{"id":2055,"date":"2018-06-06T00:07:48","date_gmt":"2018-06-06T00:07:48","guid":{"rendered":"http:\/\/anbc.org.br\/?p=2055"},"modified":"2024-02-28T00:10:43","modified_gmt":"2024-02-28T00:10:43","slug":"new-positive-register-will-expand-data-protection","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/novo-cadastro-positivo-vai-ampliar-a-protecao-de-dados\/","title":{"rendered":"New Positive Register will expand data protection"},"content":{"rendered":"

Follow on Google News\"\"<\/a><\/p>\r\n

The change in\u00a0positive registration<\/strong>, The new credit register, proposed by PLP 441\/2017, could change the way credit is granted in Brazil. As well as making it possible to reduce delinquency, which affects more than 60 million Brazilians, the new Register will reward good payers with a reduction in interest rates. It will also contribute to the financial inclusion of up to 22 million consumers who do not have access to credit due to a lack of proven income, but who pay their obligations on time and will be able to show this to the financial system through the positive register.<\/p>\r\n

O PLP n\u00ba 441\/2017 tamb\u00e9m prev\u00ea medidas adequadas e eficazes para proteger os dados pessoais e o uso dos dados dos consumidores. O projeto n\u00e3o permite disponibilizar livremente as informa\u00e7\u00f5es provenientes das institui\u00e7\u00f5es financeiras ao mercado financeiro ou \u00e0s empresas em geral. Tamb\u00e9m n\u00e3o permite que os bancos de dados tenham acesso a informa\u00e7\u00f5es de consumo<\/a>.<\/p>\r\n

It only provides for\u00a0sharing financial data<\/strong>, como valor da obriga\u00e7\u00e3o, quantidade de parcelas, datas de vencimento e de pagamento, com os gestores de bancos de dados<\/a> enumerados no art. 3\u00ba do Decreto n\u00ba 7.829\/2012. Esses gestores estar\u00e3o sujeitos a penalidades severas da Lei do Sigilo Banc\u00e1rio e ao regime de responsabilidade do Consumer Protection Code<\/a>.<\/p>\r\n

As informa\u00e7\u00f5es detalhadas do cadastro positivo de um consumidor<\/a> s\u00f3 poder\u00e3o ser consultadas mediante sua pr\u00e9via autoriza\u00e7\u00e3o (art. 4\u00ba, IV, \u201cb\u201d do PLP). Apenas gestores registrados no Central Bank<\/a> poder\u00e3o receber as informa\u00e7\u00f5es provenientes das institui\u00e7\u00f5es financeiras. O consumidor que n\u00e3o quiser participar do cadastro<\/a> poder\u00e1 pedir a sa\u00edda a qualquer momento. O gestor que receber essa solicita\u00e7\u00e3o dever\u00e1 informar os demais para que nenhum use seus dados financeiros positivos. <\/a>Vale destacar que a escolha de sair quando quiser j\u00e1 \u00e9 garantida na lei atual que disciplina o Cadastro.<\/p>\r\n

A mudan\u00e7a nas regras do Cadastro zela pelos personal data<\/a> dos consumidores e traz efetivo equil\u00edbrio entre todas as partes envolvidas. O objetivo, por meio da aprova\u00e7\u00e3o desse projeto de lei, \u00e9 conquistar os esperados e necess\u00e1rios benef\u00edcios para a sociedade brasileira.<\/p>\r\n

 <\/p>\r\n

Thanks for reading! Access other content at\u00a0ANBC website<\/a>.<\/h4>\r\n

 <\/p>\r\n

\"elias<\/h3>\r\n

 <\/p>\r\n

President of ANBC - National Association of Credit Bureaus. Representative of Latin America in the World Bank Credit Committee. He also represents Brazil and Latin America in credit organisations accross the world, such as ACCIS, BIIA and ALACRED.<\/h6>\r\n

 <\/p>\r\n

 <\/p>","protected":false},"excerpt":{"rendered":"

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...<\/p>","protected":false},"author":1,"featured_media":2056,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"Novo Cadastro Positivo vai ampliar a prote\u00e7\u00e3o de dados","_seopress_titles_desc":"Novo Cadastro Positivo vai ampliar a prote\u00e7\u00e3o de dados","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"none","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"both","_seopress_redirections_param":"","_seopress_redirections_type":301,"_seopress_analysis_target_kw":"prote\u00e7\u00e3o de dados","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[46],"tags":[242,243],"class_list":["post-2055","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-dados-financeiros","tag-protecao-de-dados","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2055","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/types\/post"}],"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=2055"}],"version-history":[{"count":2,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2055\/revisions"}],"predecessor-version":[{"id":11663,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/2055\/revisions\/11663"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/2056"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=2055"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=2055"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=2055"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}