Taxa de juros: regras e competência no ordenamento jurídico brasileiro e seu reflexo no endividamento das famílias

Abstract

The present work focuses on the issue of the interest rate regulation in Brazil and its influence on the high interest rates that are charged and the high levels of indebtedness of brazilian families, focusing on the year 2022. The hypothesis raised is that the adherence to liberalizing norms contributed to this scenario. For the development of the research, the following objectives were elaborated: historically describe the regulation of the interest rate until the 1980s, verify the formation process of art. 192, paragraph 3 of CF/88 and Constitutional Amendment No. 40 that revoked the aforementioned constitutional provision and investigate the impact of the current regulation of interest on the indebtedness of Brazilian families. In order to make the proposal viable, the legal methodology was adopted, focusing on the observational method and the deductive method, in addition to the use of the bibliographic survey technique related to the object of study.