A lei do superendividamento como instrumento de proteção do consumidor de crédito
Autor(a) principal: | |
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Data de Publicação: | 2024 |
Tipo de documento: | Dissertação |
Idioma: | por |
Título da fonte: | Biblioteca Digital de Teses e Dissertações da Uninove |
Texto Completo: | http://bibliotecatede.uninove.br/handle/tede/3434 |
Resumo: | The aim of this study is to analyze the effectiveness of legal provisions on suppliers' duties in granting so-called responsible credit in their various “products”. The idea of responsible credit is to exercise good faith to its fullest potential, placing the supplier in the consumer's place and serving the latter as a guardian, caretaker of their financial health. On the contrary, what is perceived is the exercise of exacerbated harassment by financial institutions in granting credit in an irresponsible, misleading manner, discarding and ignoring the guiding principle of consumer relations, the vulnerability and hypervulnerability of the consumer. From the elderly to young people at an early age, victims of a system of “imprisonment” where more and more money is owed to those who offer instant credit, such as in cases where loans are granted with the click of an application. The objective of the work is focused on analyzing the new legislation and doctrine to verify in the end whether the August 2021 legislation was sufficient to curb commercial practices that were already in complete non-compliance with consumer protection. |
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Marques, Claudia Limahttp://lattes.cnpq.br/9823041159237981Marques, Claudia Limahttp://lattes.cnpq.br/9823041159237981Benacchio, Marcelohttp://lattes.cnpq.br/0539616434544033Miragem, Bruno Nubens Barbosahttp://lattes.cnpq.br/8514589656222447http://lattes.cnpq.br/9127058888277716Tritapepe, Rodrigo2024-08-15T18:41:24Z2024-03-27Tritapepe, Rodrigo. A lei do superendividamento como instrumento de proteção do consumidor de crédito. 2024. 88 f. Dissertação( Programa de Pós-Graduação em Direito) - Universidade Nove de Julho, São Paulo.http://bibliotecatede.uninove.br/handle/tede/3434The aim of this study is to analyze the effectiveness of legal provisions on suppliers' duties in granting so-called responsible credit in their various “products”. The idea of responsible credit is to exercise good faith to its fullest potential, placing the supplier in the consumer's place and serving the latter as a guardian, caretaker of their financial health. On the contrary, what is perceived is the exercise of exacerbated harassment by financial institutions in granting credit in an irresponsible, misleading manner, discarding and ignoring the guiding principle of consumer relations, the vulnerability and hypervulnerability of the consumer. From the elderly to young people at an early age, victims of a system of “imprisonment” where more and more money is owed to those who offer instant credit, such as in cases where loans are granted with the click of an application. The objective of the work is focused on analyzing the new legislation and doctrine to verify in the end whether the August 2021 legislation was sufficient to curb commercial practices that were already in complete non-compliance with consumer protection.Pretende-se, por meio deste estudo, analisar a efetividade das previsões legais dos deveres dos fornecedores em praticar a concessão do chamado crédito responsável nos seus diversos “produtos”. A ideia de crédito responsável é a de exercer a boa-fé em sua máxima potência, colocando o fornecedor no lugar do consumidor e servindo a esse segundo como um tutor, zelador de sua saúde financeira. A contrario sensu, o que se percebe é o exercício do assédio exacerbado das instituições financeiras em conceder crédito de maneira irresponsável, enganosa, descartando e ignorando o princípio norteador das relações de consumo, a vulnerabilidade e a hipervulnerabilidade do consumidor. De idosos a jovens na mais tenra idade, vítimas de um sistema de “aprisionamento” onde cada vez deverão mais dinheiro àqueles que se prestam a fornecer créditos instantâneos, como os casos de concessão de empréstimo com um clique de aplicativo. O objetivo do trabalho está focado em analisar a nova legislação e a doutrina para verificar, ao final, se a legislação de agosto de 2021 foi suficiente para coibir as práticas comerciais que já vinham em plena desconformidade com a defesa do consumidor.Submitted by Nadir Basilio (nadirsb@uninove.br) on 2024-08-15T18:41:24Z No. of bitstreams: 1 Rodrigo Tritapepe.pdf: 875355 bytes, checksum: b6b4a61c7bf9d146cec1fefbb88b52eb (MD5)Made available in DSpace on 2024-08-15T18:41:24Z (GMT). No. of bitstreams: 1 Rodrigo Tritapepe.pdf: 875355 bytes, checksum: b6b4a61c7bf9d146cec1fefbb88b52eb (MD5) Previous issue date: 2024-03-27application/pdfporUniversidade Nove de JulhoPrograma de Pós-Graduação em DireitoUNINOVEBrasilDireitodireito do consumidorsuperendividamentocrédito responsávelconsumer lawover-indebtednessresponsible creditCIENCIAS SOCIAIS APLICADAS::DIREITOA lei do superendividamento como instrumento de proteção do consumidor de créditoinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesis-7277407233034425144600info:eu-repo/semantics/openAccessreponame:Biblioteca Digital de Teses e Dissertações da Uninoveinstname:Universidade Nove de Julho (UNINOVE)instacron:UNINOVEORIGINALRodrigo Tritapepe.pdfRodrigo Tritapepe.pdfapplication/pdf875355http://localhost:8080/tede/bitstream/tede/3434/2/Rodrigo+Tritapepe.pdfb6b4a61c7bf9d146cec1fefbb88b52ebMD52LICENSElicense.txtlicense.txttext/plain; charset=utf-82165http://localhost:8080/tede/bitstream/tede/3434/1/license.txtbd3efa91386c1718a7f26a329fdcb468MD51tede/34342024-08-15 15:41:24.33oai:localhost: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Biblioteca Digital de Teses e Dissertaçõeshttp://bibliotecatede.uninove.br/PRIhttp://bibliotecatede.uninove.br/oai/requestbibliotecatede@uninove.br||bibliotecatede@uninove.bropendoar:2024-08-15T18:41:24Biblioteca Digital de Teses e Dissertações da Uninove - Universidade Nove de Julho (UNINOVE)false |
dc.title.por.fl_str_mv |
A lei do superendividamento como instrumento de proteção do consumidor de crédito |
title |
A lei do superendividamento como instrumento de proteção do consumidor de crédito |
spellingShingle |
A lei do superendividamento como instrumento de proteção do consumidor de crédito Tritapepe, Rodrigo direito do consumidor superendividamento crédito responsável consumer law over-indebtedness responsible credit CIENCIAS SOCIAIS APLICADAS::DIREITO |
title_short |
A lei do superendividamento como instrumento de proteção do consumidor de crédito |
title_full |
A lei do superendividamento como instrumento de proteção do consumidor de crédito |
title_fullStr |
A lei do superendividamento como instrumento de proteção do consumidor de crédito |
title_full_unstemmed |
A lei do superendividamento como instrumento de proteção do consumidor de crédito |
title_sort |
A lei do superendividamento como instrumento de proteção do consumidor de crédito |
author |
Tritapepe, Rodrigo |
author_facet |
Tritapepe, Rodrigo |
author_role |
author |
dc.contributor.advisor1.fl_str_mv |
Marques, Claudia Lima |
dc.contributor.advisor1Lattes.fl_str_mv |
http://lattes.cnpq.br/9823041159237981 |
dc.contributor.referee1.fl_str_mv |
Marques, Claudia Lima |
dc.contributor.referee1Lattes.fl_str_mv |
http://lattes.cnpq.br/9823041159237981 |
dc.contributor.referee2.fl_str_mv |
Benacchio, Marcelo |
dc.contributor.referee2Lattes.fl_str_mv |
http://lattes.cnpq.br/0539616434544033 |
dc.contributor.referee3.fl_str_mv |
Miragem, Bruno Nubens Barbosa |
dc.contributor.referee3Lattes.fl_str_mv |
http://lattes.cnpq.br/8514589656222447 |
dc.contributor.authorLattes.fl_str_mv |
http://lattes.cnpq.br/9127058888277716 |
dc.contributor.author.fl_str_mv |
Tritapepe, Rodrigo |
contributor_str_mv |
Marques, Claudia Lima Marques, Claudia Lima Benacchio, Marcelo Miragem, Bruno Nubens Barbosa |
dc.subject.por.fl_str_mv |
direito do consumidor superendividamento crédito responsável |
topic |
direito do consumidor superendividamento crédito responsável consumer law over-indebtedness responsible credit CIENCIAS SOCIAIS APLICADAS::DIREITO |
dc.subject.eng.fl_str_mv |
consumer law over-indebtedness responsible credit |
dc.subject.cnpq.fl_str_mv |
CIENCIAS SOCIAIS APLICADAS::DIREITO |
description |
The aim of this study is to analyze the effectiveness of legal provisions on suppliers' duties in granting so-called responsible credit in their various “products”. The idea of responsible credit is to exercise good faith to its fullest potential, placing the supplier in the consumer's place and serving the latter as a guardian, caretaker of their financial health. On the contrary, what is perceived is the exercise of exacerbated harassment by financial institutions in granting credit in an irresponsible, misleading manner, discarding and ignoring the guiding principle of consumer relations, the vulnerability and hypervulnerability of the consumer. From the elderly to young people at an early age, victims of a system of “imprisonment” where more and more money is owed to those who offer instant credit, such as in cases where loans are granted with the click of an application. The objective of the work is focused on analyzing the new legislation and doctrine to verify in the end whether the August 2021 legislation was sufficient to curb commercial practices that were already in complete non-compliance with consumer protection. |
publishDate |
2024 |
dc.date.accessioned.fl_str_mv |
2024-08-15T18:41:24Z |
dc.date.issued.fl_str_mv |
2024-03-27 |
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.citation.fl_str_mv |
Tritapepe, Rodrigo. A lei do superendividamento como instrumento de proteção do consumidor de crédito. 2024. 88 f. Dissertação( Programa de Pós-Graduação em Direito) - Universidade Nove de Julho, São Paulo. |
dc.identifier.uri.fl_str_mv |
http://bibliotecatede.uninove.br/handle/tede/3434 |
identifier_str_mv |
Tritapepe, Rodrigo. A lei do superendividamento como instrumento de proteção do consumidor de crédito. 2024. 88 f. Dissertação( Programa de Pós-Graduação em Direito) - Universidade Nove de Julho, São Paulo. |
url |
http://bibliotecatede.uninove.br/handle/tede/3434 |
dc.language.iso.fl_str_mv |
por |
language |
por |
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-7277407233034425144 |
dc.relation.confidence.fl_str_mv |
600 |
dc.rights.driver.fl_str_mv |
info:eu-repo/semantics/openAccess |
eu_rights_str_mv |
openAccess |
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application/pdf |
dc.publisher.none.fl_str_mv |
Universidade Nove de Julho |
dc.publisher.program.fl_str_mv |
Programa de Pós-Graduação em Direito |
dc.publisher.initials.fl_str_mv |
UNINOVE |
dc.publisher.country.fl_str_mv |
Brasil |
dc.publisher.department.fl_str_mv |
Direito |
publisher.none.fl_str_mv |
Universidade Nove de Julho |
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