A abusividade e os golpes existentes nos contratos de empréstimo consignado e nos cartões de crédito consignado para idosos

Abstract

Payroll-deductible loans have become one of the main lending modalities in Brazil, especially among retirees and pensioners of the INSS, due to ease of repayment and attractive interest rates. However, their practice has revealed abuses and scams targeting the elderly population, who often exhibit informational insufficiency and vulnerability in relation to financial institutions. The aim of this research is to analyze the abusiveness and fraudulent practices present in payroll-deductible loan contracts and payroll credit cards directed at the elderly, as well as recent decisions by Brazilian courts on the subject. The research methodology was bibliographic in nature, based on the analysis of books, scientific articles, and institutional reports, allowing for an understanding of the legal, social, and economic aspects related to the vulnerability of the elderly against abusive practices in payroll-deductible credit. Based on this, studies on the expansion of payroll-deductible credit, the vulnerability of the elderly population, the most common scams and frauds, as well as the social and financial impacts of these practices, were analyzed. The discussion highlighted the importance of transparency in financial operations and financial education for elderly consumers. The analysis revealed that the elderly are particularly vulnerable to contractual abuses and frauds, especially in complex products such as payroll credit cards. The lack of adequate information and the difficulty in understanding contracts facilitate financial exploitation, reinforcing the need for preventive measures and consumer awareness. Effective protection depends on financial education policies, greater transparency by financial institutions, and preventive mechanisms that ensure the dignity and safety of elderly consumers.