{"id":13845,"date":"2025-12-08T14:28:12","date_gmt":"2025-12-08T17:28:12","guid":{"rendered":"https:\/\/fenati.org.br\/?p=13845"},"modified":"2025-12-08T16:02:13","modified_gmt":"2025-12-08T19:02:13","slug":"regulamentacao-pix-parcelado-bc-superendividamento","status":"publish","type":"post","link":"https:\/\/homolog.fenati.org.br\/en\/regulamentacao-pix-parcelado-bc-superendividamento\/","title":{"rendered":"Regulamenta\u00e7\u00e3o do Pix Parcelado emperra no BC, que estuda medidas contra superendividamento"},"content":{"rendered":"<p><strong>Pix Parcelado &#8211;<\/strong> O Banco Central (<a href=\"https:\/\/pt.wikipedia.org\/wiki\/Banco_Central_do_Brasil\" target=\"_blank\" rel=\"noopener\">BC<\/a>) ainda n\u00e3o desistiu de regulamentar o chamado Pix Parcelado, modalidade em que institui\u00e7\u00f5es financeiras oferecem cr\u00e9dito com base na ferramenta de transfer\u00eancia imediata. Mesmo assim, o processo segue sem consenso e tem sido sucessivamente adiado.<\/p>\n<p>A divulga\u00e7\u00e3o das normas, inicialmente prevista para setembro, passou para outubro, depois novembro e agora segue sem nova data definida. No Pix Parcelado, o recebedor obt\u00e9m o valor integral na hora, como em um Pix convencional, enquanto o pagador quita o montante em parcelas mensais, geralmente com cobran\u00e7a de juros e taxas, em um funcionamento similar ao de um empr\u00e9stimo pessoal.<\/p>\n<p><a href=\"https:\/\/fenati.org.br\/mosquitos-infectados-bacteria-reduzem-caso-dengue\/\" target=\"_blank\" rel=\"noopener\"><strong>LEIA: Mosquitos infectados com bact\u00e9ria reduzem casos de dengue em 60% em Campo Grande<\/strong><\/a><\/p>\n<p>Segundo fontes do Banco Central, houve avan\u00e7os importantes em pontos conceituais, como mecanismos de preven\u00e7\u00e3o ao superendividamento e na forma de apresenta\u00e7\u00e3o das faturas aos consumidores. No m\u00eas passado, o chefe-adjunto do Departamento de Competi\u00e7\u00e3o e de Estrutura do Mercado Financeiro, Breno Lobo, afirmou que o BC avalia proibir a \u201crotativa\u00e7\u00e3o\u201d no parcelamento de empr\u00e9stimos via Pix.<\/p>\n<p>As mesmas fontes ressaltam, por\u00e9m, que a \u201ccomplexidade do tema\u201d exige um \u201cestudo aprofundado para que a futura regulamenta\u00e7\u00e3o seja robusta e perene\u201d. O foco, dizem, \u00e9 garantir a qualidade t\u00e9cnica das futuras normas.<\/p>\n<p><strong>Modalidade j\u00e1 existe, mas BC quer padronizar<\/strong><\/p>\n<p>Embora o Pix Parcelado j\u00e1 seja oferecido por diversas institui\u00e7\u00f5es financeiras como uma modalidade formal de cr\u00e9dito, o BC quer padronizar as regras. A proposta \u00e9 facilitar o uso pelo consumidor, evitar abusos e refor\u00e7ar a competitividade no sistema financeiro.<\/p>\n<p>A pesquisa \u201cJornada de Cr\u00e9dito\u201d, da Matera, aponta que 53% dos consumidores brasileiros j\u00e1 utilizaram o parcelamento via Pix, \u00edndice que coloca a modalidade atr\u00e1s apenas do cart\u00e3o de cr\u00e9dito (77%) em prefer\u00eancia de uso.<\/p>\n<p>O presidente do BC, Gabriel Gal\u00edpolo, tem dito que o Pix Parcelado deve ampliar o uso da ferramenta no varejo e pode beneficiar cerca de 60 milh\u00f5es de pessoas que hoje n\u00e3o t\u00eam acesso ao cart\u00e3o de cr\u00e9dito.<\/p>\n<p>A norma a ser divulgada dever\u00e1 exigir que as institui\u00e7\u00f5es financeiras deixem absolutamente claras as condi\u00e7\u00f5es do cr\u00e9dito contratado. Na pr\u00e1tica, os aplicativos precisar\u00e3o exibir informa\u00e7\u00f5es como taxa de juros, valor das parcelas, custo total da opera\u00e7\u00e3o e multa em caso de atraso.<\/p>\n<p><em><strong>(Com informa\u00e7\u00f5es de Converg\u00eancia Digital)<\/strong><\/em><br \/>\n<em><strong>(Foto: Reprodu\u00e7\u00e3o\/Ag\u00eancia Brasil\/Marcello Casal jr)<\/strong><\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>Banco Central afirma que demora em impor normas sobre a modalidade ocorre pela complexidade para se chegar a solu\u00e7\u00f5es definitivas<\/p>","protected":false},"author":10,"featured_media":13846,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42],"tags":[13],"class_list":["post-13845","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-sindical"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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