{"id":4877,"date":"2025-04-06T19:47:50","date_gmt":"2025-04-06T19:47:50","guid":{"rendered":"https:\/\/anbc.org.br\/?p=4877"},"modified":"2025-05-25T19:56:19","modified_gmt":"2025-05-25T19:56:19","slug":"anbc-warns-industry-to-clear-its-name","status":"publish","type":"post","link":"https:\/\/anbc.org.br\/en\/anbc-alerta-a-industria-limpa-nome\/","title":{"rendered":"ANBC warns against the \u201cclean name\u201d industry in the Brazilian credit market"},"content":{"rendered":"

Source: Economic Movement<\/a><\/span> - 06\/04\/2025<\/p>\n

 <\/p>\n

\n
\n

“A litig\u00e2ncia abusiva e ileg\u00edtima da ind\u00fastria do \u2018limpa nome' \u00e9 uma amea\u00e7a ao mercado de cr\u00e9dito”, diz presidente da ANBC<\/p><\/blockquote>\n

 <\/p>\n

The National Association of Credit Bureaus (ANBC) has sounded the alarm about the negative effects of abusive litigation on the credit market in Brazil. The inappropriate use of the judicial system, through repetitive lawsuits and with the aim of delaying decisions, has generated distortions that affect both the supply of credit and interest rates, with direct impacts on consumers and financial institutions.<\/p>\n

 <\/p>\n

\u201cUma manifesta\u00e7\u00e3o da litig\u00e2ncia abusiva \u00e9 a ind\u00fastria \u2018limpa nome', que interfere diretamente no sistema de informa\u00e7\u00f5es que sustenta as decis\u00f5es de cr\u00e9dito de milhares de institui\u00e7\u00f5es, dentro e fora do sistema financeiro. Quando h\u00e1 esse excesso de a\u00e7\u00f5es, de forma ileg\u00edtima, todos saem prejudicados: desde o pr\u00f3prio requerente, que pode cair em superendividamento, at\u00e9 os demais consumidores, que enfrentam taxas mais altas e menor oferta de cr\u00e9dito\u201d, afirma Elias Sfeir, presidente executivo da ANBC.<\/p><\/blockquote>\n

 <\/p>\n

The practice, which is often aimed at excluding default records, has become a model of action that benefits the few to the detriment of the many. The growth in the number of lawsuits also puts pressure on the judicial system, consuming time and public resources. Data from the National Council of Justice (CNJ) indicates that, in 2023, the country had 83.8 million pending cases. It is estimated that around 30% of civil lawsuits in state courts involve abusive litigation.<\/p>\n

A study carried out by the Central Bank of Brazil, based on the period from 2013 to 2018, shows the effects of this practice on the economy. According to the analysis, an increase of 10% in the proportion of court decisions favorable to debtors reduced the growth of new credit agreements by 23 percentage points.<\/p>\n

 <\/p>\n

\u201cThis evidence reinforces the importance of legal certainty for a healthy credit market. Clear laws and less discretionary interpretation of disputes are essential to avoid distortions,\u201d adds Elias Sfeir.<\/p><\/blockquote>\n

 <\/p>\n

Despite the risks, Brazil has made progress in tackling the problem. The CNJ's own recommendations, such as numbers 127 and 159, seek to curb excessive judicialization and promote greater balance between the parties.<\/p>\n

 <\/p>\n

\u201cTemos um sistema de informa\u00e7\u00f5es de cr\u00e9dito robusto e bem avaliado internacionalmente. A litig\u00e2ncia abusiva e ileg\u00edtima da ind\u00fastria do \u2018limpa nome' \u00e9 uma amea\u00e7a a esse mecanismo vital, mas o di\u00e1logo entre o Judici\u00e1rio e a iniciativa privada tem gerado resultados positivos\u201d, ressalta o presidente da ANBC.<\/p><\/blockquote>\n<\/div>\n<\/div>\n

 <\/p>\n

 <\/p>\n

Read more<\/h3>\n

Clarify your doubts about the Positive Register, FAQ click here.<\/a><\/span><\/p>","protected":false},"excerpt":{"rendered":"

Source: Movimento Econ\u00f4mico - 06\/04\/2025 \u201cThe abusive and illegitimate litigation of the \u2018clean name\u2019 industry is a threat to the credit market,\u201d says ANBC president The National Association of Credit Bureaus (ANBC) has sounded the alarm about...<\/p>","protected":false},"author":1,"featured_media":4878,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"ANBC alerta a ind\u00fastria \u201climpa nome\u201d","_seopress_titles_desc":"ANBC alerta a ind\u00fastria \u201climpa nome\u201d no mercado de cr\u00e9dito brasileiro","_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":"limpa nome","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[{"url":"","title":"","desc":"","thumbnail":"","duration":"","rating":"","view_count":"","tag":""}],"_seopress_pro_schemas_manual":[{"_seopress_pro_rich_snippets_type":"articles","_seopress_pro_rich_snippets_article_type":"Article","_seopress_pro_rich_snippets_article_title":"ANBC alerta a ind\u00fastria \u201climpa nome\u201d","_seopress_pro_rich_snippets_article_desc":"ANBC alerta a ind\u00fastria \u201climpa nome\u201d no mercado de cr\u00e9dito brasileiro","_seopress_pro_rich_snippets_article_author":"ANBC","_seopress_pro_rich_snippets_article_img":"https:\/\/anbc.org.br\/wp-content\/uploads\/2025\/05\/limpa-nome.webp","_seopress_pro_rich_snippets_article_img_width":"944","_seopress_pro_rich_snippets_article_img_height":"616","_seopress_pro_rich_snippets_article_coverage_start_date":"2025-04-06","_seopress_pro_rich_snippets_article_coverage_start_time":"19:47","_seopress_pro_rich_snippets_article_coverage_end_date":"","_seopress_pro_rich_snippets_article_coverage_end_time":"","_seopress_pro_rich_snippets_article_speakable_css_selector":""}],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"pgc_sgb_lightbox_settings":"","footnotes":""},"categories":[1],"tags":[423,594,128],"class_list":["post-4877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-limpa-nome","tag-litigancia-abusiva","tag-superendividamento","blog-post"],"_links":{"self":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/4877","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=4877"}],"version-history":[{"count":1,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/4877\/revisions"}],"predecessor-version":[{"id":4879,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/posts\/4877\/revisions\/4879"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media\/4878"}],"wp:attachment":[{"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/media?parent=4877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/categories?post=4877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anbc.org.br\/en\/wp-json\/wp\/v2\/tags?post=4877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}