THE APPLICABILITY OF THE CONSUMER PROTECTION CODE IN BANKING CONTRACTS

the finalist theory mitigated in banking contracts for working capital

Authors

  • Auricélia do Nascimento Melo Universidade Federal da Paraíba (UFPB) e Universidade Estadual do Piauí (UESPI)
  • Rafela Kelly Silva Sousa Universidade Estadual do Piauí (UESPI)

Abstract

The objective of the work was to analyze the applicability of the Consumer Protection Code, in Law No. 8,078, of September 11, 1990, to bank contracts for loans for working capital acquired by legal entities in view of their vulnerability. The issue involved dealt with the application of the Consumer Protection Code in consumer relations when legal entities take out a bank loan to promote their activity, that is, their business. The concepts of working capital, consumer, supplier, types of vulnerability, whether technological, scientific, legal, socioeconomic and informational, will be presented and discussed, in addition to the theories used to define the applicability of the CDC in the specific case. The methodology used comprised the analysis of articles, as well as the examination of concrete cases, in addition to documentary and exploratory research on the topic. And as a result, it was found that the Mitigated Finalist Theory is very important for analyzing consumer vulnerability in the specific case.

Author Biographies

Auricélia do Nascimento Melo, Universidade Federal da Paraíba (UFPB) e Universidade Estadual do Piauí (UESPI)

Pós-Doutoranda em Direito e Desenvolvimento pela Universidade Federal da Paraíba (UFPB). Doutora e Mestre em Direito Constitucional pela Universidade de Fortaleza (UNIFOR). Professora Adjunta da Universidade Estadual do Piauí (UESPI). Advogada. Mediadora Judicial. Currículo Lattes: http://lattes.cnpq.br/3103087700737723. E-mail: auricelianascimento@ccsa.uespi.br

Rafela Kelly Silva Sousa, Universidade Estadual do Piauí (UESPI)

Bachelor of Laws from the State University of Piau/i, Lawyer registered with the OAB-PI

Downloads

Published

2023-11-30

How to Cite

do Nascimento Melo, A., & Silva Sousa, R. K. (2023). THE APPLICABILITY OF THE CONSUMER PROTECTION CODE IN BANKING CONTRACTS: the finalist theory mitigated in banking contracts for working capital. Revista De Direito Contemporâneo UNIDEP, 2(2). Retrieved from https://periodicosunidep.emnuvens.com.br/rdc-u/article/view/237

Issue

Vol. 2 No. 2 (2023): Revista de Direito Contemporâneo UNIDEP

Section

Artigos

License

Copyright (c) 2023 Revista de Direito Contemporâneo UNIDEP

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.

You are free to:

  • Adapt — remix, transform, and build upon the material
  •  
  • The licensor cannot revoke these freedoms as long as you follow the license terms.

Under the following terms:

  • No additional restrictions — You may not apply legal terms or technological measures that legally restrict others from doing anything the license permits.

Notices:

  • You do not have to comply with the license for elements of the material in the public domain or where your use is permitted by an applicable exception or limitation.
  • No warranties are given. The license may not give you all of the permissions necessary for your intended use. For example, other rights such as publicity, privacy, or moral rights may limit how you use the material.