{"id":13678,"date":"2025-08-06T17:23:05","date_gmt":"2025-08-06T20:23:05","guid":{"rendered":"https:\/\/acrisure.com.br\/insights\/?p=13678"},"modified":"2025-12-03T11:42:16","modified_gmt":"2025-12-03T14:42:16","slug":"amplia-credito-consignado","status":"publish","type":"post","link":"https:\/\/acrisure.com.br\/insights\/amplia-credito-consignado\/","title":{"rendered":"Lei amplia cr\u00e9dito consignado para trabalhadores do setor privado"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.19.4&#8243; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Post&#8221; _builder_version=&#8221;4.27.3&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; width=&#8221;100%&#8221; custom_padding=&#8221;0px||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Conte\u00fado&#8221; _builder_version=&#8221;4.27.3&#8243; _module_preset=&#8221;default&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span data-contrast=\"auto\">A <\/span><span data-contrast=\"none\">Lei n\u00ba 15.179<\/span><span data-contrast=\"auto\">, sancionada pelo governo federal, institui o <\/span><b><span data-contrast=\"auto\">Cr\u00e9dito do Trabalhador, voltado a empregados da iniciativa privada com carteira assinada<\/span><\/b><span data-contrast=\"auto\">. A medida amplia o acesso ao cr\u00e9dito com desconto direto na folha de pagamento, nos moldes do consignado p\u00fablico. <\/span><\/p>\n<p><span data-contrast=\"auto\">Al\u00e9m disso, foi aprovada a inclus\u00e3o de motoristas e entregadores de aplicativos na modalidade de empr\u00e9stimo com d\u00e9bito em conta.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">O que muda com a nova lei<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">A principal novidade \u00e9 que empresas privadas poder\u00e3o firmar conv\u00eanios com institui\u00e7\u00f5es financeiras para ofertar cr\u00e9dito consignado aos seus colaboradores. <\/span><b><span data-contrast=\"auto\">Essa modalidade de cr\u00e9dito possui taxas de juros mais baixas do que as convencionais<\/span><\/b><span data-contrast=\"auto\">, pois o pagamento \u00e9 descontado automaticamente do sal\u00e1rio.<\/span><\/p>\n<p><span data-contrast=\"auto\">Antes da san\u00e7\u00e3o, a CLT j\u00e1 permitia o consignado em empresas privadas, mas havia inseguran\u00e7a jur\u00eddica e operacional. Com a nova lei, o modelo foi regulamentado, trazendo mais seguran\u00e7a para empregadores, institui\u00e7\u00f5es financeiras e trabalhadores.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Como o cr\u00e9dito ser\u00e1 operacionalizado<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A contrata\u00e7\u00e3o do cr\u00e9dito ser\u00e1 feita por meio de acordo entre empresa e banco, com a autoriza\u00e7\u00e3o expressa do trabalhador. O valor das parcelas ser\u00e1 descontado diretamente da folha de pagamento, respeitando o limite legal de comprometimento de renda<\/span><span data-contrast=\"auto\">, que hoje gira <\/span><b><span data-contrast=\"auto\">em torno de 35% a 40% da remunera\u00e7\u00e3o mensal<\/span><\/b><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Benef\u00edcios para o trabalhador<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Taxas de juros reduzidas, comparadas ao cr\u00e9dito pessoal comum<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Maior facilidade de aprova\u00e7\u00e3o, mesmo para pessoas com restri\u00e7\u00f5es no nome<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/li>\n<\/ul>\n<ul>\n<li aria-setsize=\"-1\" data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"1\" data-list-defn-props=\"{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;\uf0b7&quot;,&quot;469777815&quot;:&quot;hybridMultilevel&quot;}\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Mais previsibilidade financeira, com parcelas fixas e desconto direto no sal\u00e1rio<\/span><span data-ccp-props=\"{}\">\u00a0<br \/><\/span><\/li>\n<\/ul>\n<h3>Leia tamb\u00e9m<\/h3>\n<ul>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/lei-do-contrato-de-seguro-empresas\/\" target=\"_blank\" rel=\"noopener\">Lei do Contrato de Seguro entra em vigor em dezembro de 2025<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/lei-zikavirus-licenca-parental\/\" target=\"_blank\" rel=\"noopener\">Nova lei assiste v\u00edtimas do Zika Virus e amplia licen\u00e7a parental<\/a><\/li>\n<li><a href=\"https:\/\/acrisure.com.br\/insights\/seguro-garantia-contratos-publicos\/\" target=\"_blank\" rel=\"noopener\">Novos decretos fortificam o seguro garantia em contratos p\u00fablicos<\/a><\/li>\n<\/ul>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Impacto esperado no mercado<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Com a regulamenta\u00e7\u00e3o, o governo federal espera uma amplia\u00e7\u00e3o da oferta de cr\u00e9dito e redu\u00e7\u00e3o da inadimpl\u00eancia, especialmente entre trabalhadores de baixa renda. A medida pode aquecer o consumo em diversos setores, com impacto direto na economia real.<\/span><\/p>\n<p><span data-contrast=\"auto\">Al\u00e9m disso, foi assinado o\u202f<\/span><a href=\"https:\/\/www.in.gov.br\/en\/web\/dou\/-\/decreto-n-12.564-de-24-de-julho-de-2025-644406570\"><span data-contrast=\"none\">Decreto n\u00ba 12.564<\/span><\/a><span data-contrast=\"auto\">, que regulamenta o artigo 2\u00ba-I da <\/span><a href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/Leis\/2003\/L10.820.html\"><span data-contrast=\"none\">Lei n\u00ba 10.820\/2003<\/span><\/a><span data-contrast=\"auto\"> e estabelece a obrigatoriedade do uso de mecanismos de verifica\u00e7\u00e3o biom\u00e9trica e de identifica\u00e7\u00e3o digital do trabalhador na assinatura dos contratos de cr\u00e9dito consignado. A medida est\u00e1 em conformidade com a <a href=\"https:\/\/acrisure.com.br\/insights\/cinco-anos-da-lgpd\/\">Lei Geral de Prote\u00e7\u00e3o de Dados Pessoais (LGPD)<\/a> e busca garantir mais seguran\u00e7a nas opera\u00e7\u00f5es.<\/span><\/p>\n<h3><span data-contrast=\"none\">E o setor de Recursos Humanos<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"auto\">A nova lei representa uma mudan\u00e7a significativa na gest\u00e3o de benef\u00edcios e na rela\u00e7\u00e3o com os colaboradores. Ao permitir conv\u00eanios com institui\u00e7\u00f5es financeiras para oferta de cr\u00e9dito consignado, o RH passa a desempenhar um papel estrat\u00e9gico na implementa\u00e7\u00e3o e operacionaliza\u00e7\u00e3o do programa, garantindo conformidade legal, seguran\u00e7a dos dados e transpar\u00eancia nos processos. <\/span><\/p>\n<p><span data-contrast=\"auto\">Al\u00e9m de contribuir para o bem-estar financeiro dos funcion\u00e1rios, a medida pode fortalecer o v\u00ednculo entre empresa e trabalhador, aumentar a reten\u00e7\u00e3o de talentos e reduzir demandas por adiantamentos salariais ou empr\u00e9stimos informais.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">A nova lei tamb\u00e9m favorece a inclus\u00e3o financeira, ao ampliar o acesso a linhas de <\/span><a href=\"https:\/\/acrisure.com.br\/insights\/proteger-sua-empresa-inadimplencia\/\"><span data-contrast=\"none\">cr\u00e9dito<\/span><\/a><span data-contrast=\"auto\"> mais justas e controladas para quem muitas vezes s\u00f3 tem acesso ao rotativo do cart\u00e3o ou cheque especial \u2014 modalidades com juros extremamente elevados.<\/span><span data-ccp-props=\"{}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">O programa <\/span><b><span data-contrast=\"auto\">j\u00e1 movimentou R$ 21 bilh\u00f5es em empr\u00e9stimos<\/span><\/b><span data-contrast=\"auto\">, por meio de 4.075.565 contratos, <\/span><b><span data-contrast=\"auto\">beneficiando 3.109.542 trabalhadores<\/span><\/b><span data-contrast=\"auto\">. A m\u00e9dia de cr\u00e9dito por trabalhador \u00e9 de <\/span><b><span data-contrast=\"auto\">R$ 6.781,69, com prazo m\u00e9dio de 19 meses para pagamento das parcelas<\/span><\/b><span data-contrast=\"auto\">. <\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Em 2025, o acesso ao sal\u00e1rio-maternidade se tornou mais inclusivo para mulheres aut\u00f4nomas, MEIs, seguradas especiais e contribuintes facultativas. A mudan\u00e7a, implementada pela Instru\u00e7\u00e3o Normativa INSS n\u00ba 188\/25, eliminou a antiga exig\u00eancia de car\u00eancia m\u00ednima de 10 contribui\u00e7\u00f5es.<\/p>\n","protected":false},"author":1,"featured_media":13684,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":"","_links_to":"","_links_to_target":""},"categories":[22],"tags":[9],"class_list":["post-13678","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-legislacao","tag-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Lei de cr\u00e9dito consignado \u00e9 ampliada para o setor privado<\/title>\n<meta name=\"description\" content=\"Lei amplia Cr\u00e9dito do Trabalhador, voltado a empregados CLT da iniciativa privada. 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