DUALIDADE NORMATIVA: DEFESA DO CONSUMIDOR IDOSO E PRÁTICAS DE MERCADO DE EMPRÉSTIMO CONSIGNADO E CARTÃO DE CRÉDITO COM MARGEM CONSIGNÁVEL

Abstract

After a life dedicated to work, many dream of retiring and enjoying what is known as the "golden years." However, a common scenario among the elderly is having their retirement threatened by abusive practices in the commercialization of payroll-deductible loans. These practices cause numerous hardships for the elderly, ranging from the loss of financial stability to psychological distress. Given this context, the present article will outline the reasons that render the elderly particularly vulnerable, explain what payroll-deductible credit entails, identify marketing practices deemed abusive, and, finally, suggest potential solutions to overcome this complex reality faced by the elderly. This will be done through an analysis of Brazilian legislation, bibliographic studies on the proposed topic, and case studies.