A responsabilidade civil das instituições financeiras pela concessão abusiva de crédito consignado ao consumidor

Abstract

This paper aims to characterize the process of civil accountability of banks and financial institutions inregardsof granting payroll deductible loans. It will focus on the concept of objective civil liability and how it fits within the scope of financial transitions, such as the granting of payroll deductible credit, to this end it will be defined as well as characterize , in judicial terms, the responsibilities attributed to the organizations that provide such service. It will be demonstrated, by the end of this research, that clients, applying for payroll-deductible loans, could be involved in many financial and moral problems, among them, overindebtedness, which is a growing phenomenon in Brazil, given the ease of the process. However, what companies generally do not make clear to customers are the risks they incur when adhering to credit. Thus, as a way to protect the customer, the Consumer Protection Code establishes the banks and financial institutions as directly responsible for the risks incurred by customers, and must be held financially responsible for the damages that the service may incur. This research has a bibliographic character, following the hypotheticaldeductive method, which, explains the hypothesis and then develops a conclusion about the studied subject.