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INCREASE IN COSTS
The final report of the CPI Credit Cards of the Senate, presented this Wednesday (4), proposes the creation of tariffs that increase the cost to consumers who are under the revolving credit card or [19659003] The Parliamentary Inquiry Commission, set up in April to "investigate the exorbitant interests of credit card operators", does not present any kind of demand for indictment nor does it indicate that irregularities have been committed.
One of the proposals presented by the CPI aims to establish a system for the establishment of a new increase overdraft fees for those who use this credit for short periods. The idea is to create a fixed minimum rate that would be added to the interest rate
The rapporteur argues that the change is necessary to offset the fixed costs of the operation by the banks and benefit to those who use the overdraft. ] The senator suggests that the OC should also consider the possibility of establishing a flat rate for access to the rotating credit card, which would be added to the interest.
"We must draw the consumer's attention to the fact that the overdraft and According to Bezerra Coelho, these measures will, in the long run, have a fixed fee to attract attention. "This would be a form of warning."
In general, interest rates are reduced
Another proposal also has the potential to raise rates, this time in the function The rapporteur proposes that the charge for the use of the debit card should be fixed and not proportional to the amount paid, as is the case today. the user would pay the same tax, for example, for a purchase of $ 1 or $ 100.
The final report of the IPC should be voted at the next college meeting, no date yet.] Before the vote, the committee will discuss a pending issue, which concerns the delay between the credit card sale and the payment transfer. to the trader.
Today, according to the rapporteur, this transfer is made in 30 days. Bezerra Coelho offers a discount for 15 days, but the article can still be changed
CONCENTRATION
In the opinion, Bezerra Coelho defended that the reduction in rates of Interest is due to the expansion of competition. To this end, he made suggestions like changes in the rules of the industry to provide isonomy between big banks and smaller institutions.
The senator said that it is important to create instruments to increase competition and reduce bank concentration.
Your rapporteur proposes to reduce verticalization when the same company controls most of the chain, from the use of machines to the management of maps and flags
In this sense, he argues that vertical economic groups should be separated into different companies so that management is independent and grants are offered within the company. In the text, he questions the fact that the solution, in many cases, is not in the structure of a conglomerate, but in the punishment of those who commit abuse.
PROJECTS
The IPC also presented suggestions for bills with changes in the sector. The texts are not immediately valid and must be dealt with normally in the Senate and House, as well as other bills introduced in Parliament.
Today, according to the rapporteur, operators are already able to anticipate receipt of these values, but with limitations and, therefore, often with restrictions that increase the rates. d & # 39; interests.
The proposal will regulate anticipation by converting this credit into a financial badet that could, for example, be offered as collateral to suppliers or sold to funds.
The report also proposes to ban advertising by interest-free installments. For Bezerra, this term constitutes a misleading advertisement, since the interest is incorporated into the value of final purchase
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