{"id":66753,"date":"2025-10-07T22:19:40","date_gmt":"2025-10-08T01:19:40","guid":{"rendered":"https:\/\/www.p31noticias.com.br\/?p=66753"},"modified":"2025-10-07T22:19:40","modified_gmt":"2025-10-08T01:19:40","slug":"aprovado-projeto-para-portabilidade-de-conta-salario-entre-bancos","status":"publish","type":"post","link":"https:\/\/www.p31noticias.com.br\/?p=66753","title":{"rendered":"Aprovado projeto para portabilidade de conta-sal\u00e1rio entre bancos"},"content":{"rendered":"<p style=\"text-align: justify;\"><em><strong>Medida passou pelo Senado e agora ser\u00e1 analisada por Lula<\/strong><\/em><\/p>\n<p style=\"text-align: justify;\"><strong>O Senado aprovou o Projeto de Lei (PL) 4.871\/2024, que estabelece a portabilidade autom\u00e1tica de sal\u00e1rios e o d\u00e9bito autom\u00e1tico entre institui\u00e7\u00f5es financeiras.\u00a0<\/strong>O texto vai \u00e0 san\u00e7\u00e3o do presidente Luiz In\u00e1cio Lula da Silva.<img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.png?id=1661798&amp;o=node\" \/><strong>Entre outros pontos, o projeto determina como direitos dos usu\u00e1rios a portabilidade salarial autom\u00e1tica; d\u00e9bito autom\u00e1tico entre institui\u00e7\u00f5es; direito \u00e0 informa\u00e7\u00e3o; e contrata\u00e7\u00e3o de cr\u00e9dito especial com juros reduzidos.<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>A mat\u00e9ria determina que a institui\u00e7\u00e3o de origem n\u00e3o poder\u00e1 recusar o pedido da portabilidade de sal\u00e1rios, proventos, soldos, aposentadorias, pens\u00f5es e similares, a menos que haja justificativa clara e objetiva, e ter\u00e1 dois dias \u00fateis para efetuar a transfer\u00eancia.<\/strong><\/p>\n<p style=\"text-align: justify;\"><strong>O projeto tamb\u00e9m estabelece que o cliente poder\u00e1 pagar empr\u00e9stimos tomados em uma institui\u00e7\u00e3o banc\u00e1ria usando recursos guardados em outra, por meio de d\u00e9bito autom\u00e1tico.\u00a0<\/strong><\/p>\n<p style=\"text-align: justify;\">O texto tamb\u00e9m estabelece a cria\u00e7\u00e3o de uma nova modalidade de cr\u00e9dito, com juros mais baixos do que os praticados no mercado. Para ter acesso \u00e0 nova modalidade, o cliente fica impossibilitado de cancelar o d\u00e9bito autom\u00e1tico das parcelas desse empr\u00e9stimo at\u00e9 a quita\u00e7\u00e3o; fica sujeito \u00e0 possibilidade de penhora da parte do sal\u00e1rio que exceder o valor correspondente a 20 sal\u00e1rios m\u00ednimos; ao recebimento de cita\u00e7\u00f5es e intima\u00e7\u00f5es pessoais por e-mail, entre outras regras. A modalidade ainda dever\u00e1 ser regulamentada pelo Banco Central (BC).<\/p>\n<p style=\"text-align: justify;\">Outro ponto previsto \u00e9 que as institui\u00e7\u00f5es financeiras e institui\u00e7\u00f5es autorizadas a funcionar pelo Banco Central dever\u00e3o realizar comunica\u00e7\u00e3o pr\u00e9via a seus clientes sobre altera\u00e7\u00f5es nas taxas de juros incidentes sobre o saldo devedor de opera\u00e7\u00f5es de cr\u00e9dito nas modalidades pr\u00e9-aprovadas e rotativas, inclu\u00eddos cart\u00f5es de cr\u00e9dito e outros instrumentos p\u00f3s-pagos.<\/p>\n<p style=\"text-align: justify;\">A comunica\u00e7\u00e3o dever\u00e1 ser feita com anteced\u00eancia m\u00ednima de 30 dias e observando o uso de linguagem acess\u00edvel.<\/p>\n<p style=\"text-align: justify;\"><em><strong>Ag\u00eancia Brasil<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medida passou pelo Senado e agora ser\u00e1 analisada por Lula O Senado aprovou o Projeto de Lei (PL) 4.871\/2024, que estabelece a portabilidade autom\u00e1tica de sal\u00e1rios e o d\u00e9bito autom\u00e1tico entre institui\u00e7\u00f5es financeiras.\u00a0O texto vai \u00e0 san\u00e7\u00e3o do presidente Luiz In\u00e1cio Lula da Silva.Entre outros pontos, o projeto determina como direitos dos usu\u00e1rios a portabilidade [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":66754,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[68,637],"tags":[],"class_list":{"0":"post-66753","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-brasil","8":"category-economia"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.5 (Yoast SEO v27.4) - 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