Chamber approves the suspension of negative registration. The measure will be valid for a period of 90 days. The measure will still be evaluated by the Senate.
This Thursday (9), the plenary of the Chamber of Deputies approved the bill that guarantees suspension for 90 days of the inclusion of new subscribers in credit protection services such as Serasa and SPC. The so-called negative record. The measure will now be analyzed by the Federal Senate.
The text adds up to another measure to deal with the Covid-19 pandemic and will be retroactively valid, as of March 20 of this year. The PL authorizes the National Consumer Secretariat (Senacon) of the Ministry of Justice to extend the suspension of new registrations in debtors' registers for the duration of the emergency public health situation.
According to Julian Lemos, the project's rapporteur, the measure aims to guarantee access to credit for people who were harmed by the determinations established during the pandemic. According to the project, in cases of charging a fine for non-compliance with the rule, the money should be applied to measures to combat covid-19.
against the project
Deputy Marcel Van Hattem, who was against the proposal, said that there will be an increase in interest rates. Not only for all citizens but also for companies, which will be penalized for defaulters.
“Many want this project to be approved in the vain illusion that it will be easier to access credit, but the reality is completely different. If it is indeed easier to access credit with the approval of this law, this credit will likewise be much more expensive. Interest will skyrocket. And, therefore, it will be much more difficult for us to see the poorest citizens, who most need this credit, recover after this period of crisis, of the pandemic”, he explained.
The proposal's rapporteur countered the criticism and stated that it is necessary to be sensitive in this period of calamity. According to Lemos, the Brazilian economy “is paralyzed, suffering numerous losses due to the restriction on the movement of people through isolation and quarantines”.
“Some people have talked about raising interest rates. This has nothing to do. The issue is to ensure that good payers do not become bad payers. And those who are in a difficult situation have access to credit to fulfill their commitments, including with the payroll and with their suppliers”, he pointed out.
