The Self-Regulation of Payroll Loans came into effect on January 2, 2021, intends to make the offer of credit less harassed and for this, some rules were added.

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Due to these new measures, the great harassment by banks will come to an end. If you are a retiree or pensioner of the INSS (National Social Security Institute), this way you are aware of your rights and how to proceed.

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The Self-Regulation of Payroll Loans was created by FEBRABAN (Brazilian Federation of Banks). This was the name given to Self-Regulation for Payroll Loans and Payroll Credit Cards with payment made at the Customer's payment source, whose creators were FEBRABAN and ABBC (Brazilian Banking Association).

In this way, banks can choose to participate in this self-regulation and start to give greater respect to customers of payroll-deductible products. On the other hand, customers can protect themselves, are less harassed and a new channel to assert their rights.

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Self-regulation has many principles, which you can see at this address: https://portal.febraban.org.br/noticia/3395/pt-br/ or by clicking here . These two links lead directly to Febraban's page on the Self-Regulation of Payroll Loans. Or, you can search the Febraban internet search engine and look for this matter on the FEDERAÇÃO BRASILEIRA DE BANCOS page.

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Here are the main goals of self-regulation, in summary:

• CREATION OF THE CONNECTION BLOCK AVAILABLE TO CONSUMERS WHO DO NOT WANT TO RECEIVE PAYROLL CREDIT OFFERS, DESIGNATED AS DO NOT DISTURB.

• CREATION OF THE DATABASE TO MONITORING COMPLAINTS RECEIVED FROM INADEQUATE CREDIT OFFERS.

• OTHER MEASURES THAT, IN GENERAL, AIM TO EXCLUDE OR REDUCE HARASSMENT FROM THE COMMERCIAL FORMAT AND QUALITY OF THE BANK CORRESPONDENTS.

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Do banks have to participate in this measure on a compulsory basis? No. Banks can join assuming a greater commitment to rights and transparency to customers. And those who take over, can revoke by requesting in a format governed by 15 days in advance.

Which banks have already accepted this self-regulation, these are the banks that accepted the Self-Regulation of Payroll Loans:

• Agibank;

• Alpha Bank;

• Alpha Financial;

• Banrisul;

• Barigui Bank;

• Bradesco SA;

• Bradesco Financing;

• cetelem,

• Daycoval;

• Digio Bank;

• Bank of Brazil;

• Banco do Nordeste;

• Banco Estrela Mineira;

• Interbank,

• Itaú Unibanco;

• Payroll Itaú;

• Mercantile Bank;

• Financial Mercantile;

• Pan Bank;

• Safra Bank;

• Santander;

• BMG;

• Bank of Brasilia;

• BV Financial;

• CASHIER;

• CCB Brazil;

• Financial Fact;

• Olé Bonsucesso;

• Paraná Bank; and

• Sicredi.

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One of the major measures was the creation of the DON'T DISTURB registry, where customers can register and banks will monitor with their promoters and their respective agents the practice of harassing registered numbers. From time to time, banks update the registration so that all their "members" can download and include in their DATABASE. Follow the address of Do Not Disturbe: https://www.naomeperturbe.com.br/ .

Or click here to go to the same address.

AMTRUTH TEAM

www.amtruth.com.br

0800 606 7070 (Whatsapp and Telephone)