The senator (-DF) filed an amendment to the provisional measure that obliges interested parties to participate in a basic financial education course, which would be a prerequisite for future loans.
The measure is called “anti-default lock” and seeks to prevent people benefiting from the program from falling back into debt. The opposition tries to capitalize on the new Desenrola Brasil, announced by President Lula (PT)
The parliamentarian criticized what she called the economic team’s “myopia” in not requiring a basic finance course for those in debt. The senator says that the amendment aims to stop the revolving door of Brazilian debt.
The speech is in line with those who say that these renegotiation programs are not a guarantee of getting Brazilians out of debt.
Damares says the government focused on immediate relief, but ignored the next day. This is because the text of the provisional measure published by the government only provides resources for financial education actions, but does not define a subsequent mechanism.
The senator’s proposal establishes that banks that join the program are obliged to offer the course to all customers who renegotiate their debts, free of charge.
However, if the customer wants to take out a new loan at the bank, they will be required to present proof of completion of the course. The proposal also accepts financial education certificates issued by city halls, states or the Federal District.
In justification, Damares says that the relief given by the government only recreates the cycle of over-indebtedness. “This is a measure to prevent future over-indebtedness, as debtors who understand basic concepts of budgeting, interest and credit risks are less likely to default again”, he stated.
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