Entre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasil
Autor(a) principal: | |
---|---|
Data de Publicação: | 2022 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Repositório Institucional do FGV (FGV Repositório Digital) |
Texto Completo: | https://hdl.handle.net/10438/32327 |
Resumo: | Credit scoring agencies analyze individuals’ personal information and measure the risk degree posed by a person receiving credit or fulfilling a financial obligation. The economic argument behind such systems is that a more accurate analysis of citizens conditions allows banks and financial institutions to reduce interest rates. On the other hand, the development of rating systems also generates controversies related to privacy and data protection. The use of automated methods and algorithms has been criticized due to their opacity and possibility of discrimination against vulnerable groups. In Brazil, credit scoring agencies had their regulatory contours defined throughout the 2000s, while the approval of the Positive Registry Law was being discussed. However, the troubled legislative process around the law evidences these controversies: in 2011 the law was approved, in 2014 there was questioning in the Superior Court of Justice regarding the legality of these systems, and in 2019 a new law on the Positive Registry was approved. , reviewing previous provisions. At the same time, the process of discussing and approving the General Data Protection Law also took place, which also presented provisions on “credit protection” in its final text. Considering this scenario, this research will aim to analyze the process of regulatory construction on credit scores in Brazil, understanding what factors can explain how this legal arrangement was implemented. |
id |
FGV_049ee840a8d23c054ac5927b047968db |
---|---|
oai_identifier_str |
oai:repositorio.fgv.br:10438/32327 |
network_acronym_str |
FGV |
network_name_str |
Repositório Institucional do FGV (FGV Repositório Digital) |
repository_id_str |
3974 |
spelling |
Simão, Bárbara PradoEscolas::DIREITO SPCoutinho, Diogo RosenthalMiola, Iagê ZendronSchapiro, Mario Gomes2022-08-05T12:08:55Z2022-08-05T12:08:55Z2022-06-10https://hdl.handle.net/10438/32327Credit scoring agencies analyze individuals’ personal information and measure the risk degree posed by a person receiving credit or fulfilling a financial obligation. The economic argument behind such systems is that a more accurate analysis of citizens conditions allows banks and financial institutions to reduce interest rates. On the other hand, the development of rating systems also generates controversies related to privacy and data protection. The use of automated methods and algorithms has been criticized due to their opacity and possibility of discrimination against vulnerable groups. In Brazil, credit scoring agencies had their regulatory contours defined throughout the 2000s, while the approval of the Positive Registry Law was being discussed. However, the troubled legislative process around the law evidences these controversies: in 2011 the law was approved, in 2014 there was questioning in the Superior Court of Justice regarding the legality of these systems, and in 2019 a new law on the Positive Registry was approved. , reviewing previous provisions. At the same time, the process of discussing and approving the General Data Protection Law also took place, which also presented provisions on “credit protection” in its final text. Considering this scenario, this research will aim to analyze the process of regulatory construction on credit scores in Brazil, understanding what factors can explain how this legal arrangement was implemented.Agências de pontuação de crédito (credit scoring) analisam informações pessoais dos indivíduos e mensuram, por meio de uma nota, o grau de confiança que uma pessoa teria para o recebimento de crédito ou cumprimento de uma obrigação financeira. O argumento econômico por trás de tais sistemas é o de que uma análise mais precisa sobre as condições dos cidadãos permite que bancos e instituições financeiras reduzam taxas de juros. Por outro lado, o desenvolvimento de tais sistemas também gera controvérsias relacionadas ao direito à privacidade e à proteção de dados pessoais, considerando que os métodos empregados são baseados em análises feitas por algoritmos, os quais têm sido criticados por conta da opacidade com que operam e pela possibilidade de discriminação de grupos vulneráveis. No Brasil, a atividade de agências de pontuação de crédito teve seus contornos regulatórios definidos ao longo dos anos 2000, enquanto discutia-se a aprovação da Lei do Cadastro Positivo. Porém, o conturbado processo legislativo em torno da lei evidência a manifestação dessas controvérsias: em 2011 a lei foi aprovada, em 2014 houve questionamento no Superior Tribunal de Justiça a respeito da legalidade desses sistemas, e em 2019 uma nova lei do Cadastro Positivo foi aprovada, revisando disposições anteriores. Concomitantemente, ocorria também o processo de discussão e aprovação da Lei Geral de Proteção de Dados, que também apresentou em seu texto final disposições sobre a “proteção do crédito”. Considerando esse cenário, essa pesquisa terá como objetivo fazer uma análise do processo de construção regulatória sobre a pontuação de crédito no Brasil, entendendo que fatores podem explicar o modo como esse arranjo jurídico foi criado e implementado.porCredit scoringCredit ratingData protectionPontuação de créditoCadastro positivoProteção de dadosPrivacidadeAvaliação de créditoDireitoAnálise de créditoSistemas de credit scoringCrédito direto ao consumidorProteção de dados - Legislação - BrasilEntre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasilinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Repositório Institucional do FGV (FGV Repositório Digital)instname:Fundação Getulio Vargas (FGV)instacron:FGVORIGINALBárbara Simão. Dissertação 2022.08 - Biblioteca FGV.pdfBárbara Simão. Dissertação 2022.08 - Biblioteca FGV.pdfPDFapplication/pdf1140314https://repositorio.fgv.br/bitstreams/a1f89aee-ed00-4a4b-b2f1-a59dbfb5c0bf/downloaded8109eab57ea9ce25318a9f00518154MD56LICENSElicense.txtlicense.txttext/plain; charset=utf-84707https://repositorio.fgv.br/bitstreams/536a91d2-defa-42b8-9ac9-41d3a21f590d/downloaddfb340242cced38a6cca06c627998fa1MD57TEXTBárbara Simão. Dissertação 2022.08 - Biblioteca FGV.pdf.txtBárbara Simão. Dissertação 2022.08 - Biblioteca FGV.pdf.txtExtracted texttext/plain103204https://repositorio.fgv.br/bitstreams/521726dc-c603-432d-842c-a7bfd62810b8/downloadde70728d3f83276c080eac79064c19bcMD512THUMBNAILBárbara Simão. Dissertação 2022.08 - Biblioteca FGV.pdf.jpgBárbara Simão. Dissertação 2022.08 - Biblioteca FGV.pdf.jpgGenerated Thumbnailimage/jpeg2346https://repositorio.fgv.br/bitstreams/b846a879-20bb-4ab5-a701-c4de09938ff1/download10b841a17a134c0c2cac6e2a2727d4f8MD51310438/323272023-11-04 15:25:11.457open.accessoai:repositorio.fgv.br:10438/32327https://repositorio.fgv.brRepositório InstitucionalPRIhttp://bibliotecadigital.fgv.br/dspace-oai/requestopendoar:39742023-11-04T15:25:11Repositório Institucional do FGV (FGV Repositório Digital) - Fundação Getulio Vargas (FGV)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 |
dc.title.por.fl_str_mv |
Entre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasil |
title |
Entre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasil |
spellingShingle |
Entre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasil Simão, Bárbara Prado Credit scoring Credit rating Data protection Pontuação de crédito Cadastro positivo Proteção de dados Privacidade Avaliação de crédito Direito Análise de crédito Sistemas de credit scoring Crédito direto ao consumidor Proteção de dados - Legislação - Brasil |
title_short |
Entre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasil |
title_full |
Entre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasil |
title_fullStr |
Entre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasil |
title_full_unstemmed |
Entre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasil |
title_sort |
Entre privacidade e eficiência econômica: a trajetória da pontuação de crédito no Brasil |
author |
Simão, Bárbara Prado |
author_facet |
Simão, Bárbara Prado |
author_role |
author |
dc.contributor.unidadefgv.por.fl_str_mv |
Escolas::DIREITO SP |
dc.contributor.member.none.fl_str_mv |
Coutinho, Diogo Rosenthal Miola, Iagê Zendron |
dc.contributor.author.fl_str_mv |
Simão, Bárbara Prado |
dc.contributor.advisor1.fl_str_mv |
Schapiro, Mario Gomes |
contributor_str_mv |
Schapiro, Mario Gomes |
dc.subject.eng.fl_str_mv |
Credit scoring Credit rating Data protection |
topic |
Credit scoring Credit rating Data protection Pontuação de crédito Cadastro positivo Proteção de dados Privacidade Avaliação de crédito Direito Análise de crédito Sistemas de credit scoring Crédito direto ao consumidor Proteção de dados - Legislação - Brasil |
dc.subject.por.fl_str_mv |
Pontuação de crédito Cadastro positivo Proteção de dados Privacidade Avaliação de crédito |
dc.subject.area.por.fl_str_mv |
Direito |
dc.subject.bibliodata.por.fl_str_mv |
Análise de crédito Sistemas de credit scoring Crédito direto ao consumidor Proteção de dados - Legislação - Brasil |
description |
Credit scoring agencies analyze individuals’ personal information and measure the risk degree posed by a person receiving credit or fulfilling a financial obligation. The economic argument behind such systems is that a more accurate analysis of citizens conditions allows banks and financial institutions to reduce interest rates. On the other hand, the development of rating systems also generates controversies related to privacy and data protection. The use of automated methods and algorithms has been criticized due to their opacity and possibility of discrimination against vulnerable groups. In Brazil, credit scoring agencies had their regulatory contours defined throughout the 2000s, while the approval of the Positive Registry Law was being discussed. However, the troubled legislative process around the law evidences these controversies: in 2011 the law was approved, in 2014 there was questioning in the Superior Court of Justice regarding the legality of these systems, and in 2019 a new law on the Positive Registry was approved. , reviewing previous provisions. At the same time, the process of discussing and approving the General Data Protection Law also took place, which also presented provisions on “credit protection” in its final text. Considering this scenario, this research will aim to analyze the process of regulatory construction on credit scores in Brazil, understanding what factors can explain how this legal arrangement was implemented. |
publishDate |
2022 |
dc.date.accessioned.fl_str_mv |
2022-08-05T12:08:55Z |
dc.date.available.fl_str_mv |
2022-08-05T12:08:55Z |
dc.date.issued.fl_str_mv |
2022-06-10 |
dc.type.status.fl_str_mv |
info:eu-repo/semantics/publishedVersion |
dc.type.driver.fl_str_mv |
info:eu-repo/semantics/masterThesis |
format |
masterThesis |
status_str |
publishedVersion |
dc.identifier.uri.fl_str_mv |
https://hdl.handle.net/10438/32327 |
url |
https://hdl.handle.net/10438/32327 |
dc.language.iso.fl_str_mv |
por |
language |
por |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
dc.source.none.fl_str_mv |
reponame:Repositório Institucional do FGV (FGV Repositório Digital) instname:Fundação Getulio Vargas (FGV) instacron:FGV |
instname_str |
Fundação Getulio Vargas (FGV) |
instacron_str |
FGV |
institution |
FGV |
reponame_str |
Repositório Institucional do FGV (FGV Repositório Digital) |
collection |
Repositório Institucional do FGV (FGV Repositório Digital) |
bitstream.url.fl_str_mv |
https://repositorio.fgv.br/bitstreams/a1f89aee-ed00-4a4b-b2f1-a59dbfb5c0bf/download https://repositorio.fgv.br/bitstreams/536a91d2-defa-42b8-9ac9-41d3a21f590d/download https://repositorio.fgv.br/bitstreams/521726dc-c603-432d-842c-a7bfd62810b8/download https://repositorio.fgv.br/bitstreams/b846a879-20bb-4ab5-a701-c4de09938ff1/download |
bitstream.checksum.fl_str_mv |
ed8109eab57ea9ce25318a9f00518154 dfb340242cced38a6cca06c627998fa1 de70728d3f83276c080eac79064c19bc 10b841a17a134c0c2cac6e2a2727d4f8 |
bitstream.checksumAlgorithm.fl_str_mv |
MD5 MD5 MD5 MD5 |
repository.name.fl_str_mv |
Repositório Institucional do FGV (FGV Repositório Digital) - Fundação Getulio Vargas (FGV) |
repository.mail.fl_str_mv |
|
_version_ |
1802749955711959040 |