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Advisor(s)
Abstract(s)
"Consumidores somos todos nós como impressivamente se expressou John F. Kennedy em 15 de Março de 1962. E diríamos que "consumidores de credito "somos muitos.
É neste contexto que assume especial relevância a recente aprovação, no nosso ordenamento jurídico, de nova normativa reguladora do crédito ao consumo. Por outro lado, será de realçar o comando constitucional que prevê a protecção dos consumidores. De facto, prescreve o artigo 60° da Constituição da República Portuguesa que "os consumidores têm direito à qualidade dos bens e serviços consumidos, à formação e à informação, à protecção da saúde, da segurança e dos seus interesses económicos, bem como à reparação dos danos".
lmporta, pois, conhecer em rigor as normas que actualmente regem o acesso e a regulação dos contratos de crédito ao consumo, num contexto de harmonização comunitária deste instituto jurídico-económico. Será oportuno, sobretudo, compreender de que forma o diploma que actualmente rege a matéria em questão protege de modo mais vincado a parte considerada economicamente mais débil.
"All of us are consumers" John Kennedy said impressively on 15 March 1962. And we would say that many of us are "credit consumers". It is in this context that the recent approval, in our legal disposition, of a new regulating norm of the consumption credit, assumes special relevance. On the other hand, one should emphasize the constitutional command which takes into account the consumers protection. Actually, according to article 60 of the Portuguese Republic Constitution, "the consumers have a right to the quality of goods and services consumed, to training and information, to the protection of health, of safety and of economic interests, as well as to the repair of damages". Therefore, it is important to know with rigour the norms that nowadays rule the access and the regulation of consumption credit contracts, in a context of communitarian harmonization of this legal-economic institution. It will be convenient, above all, to understand how the do-cument, which nowadays rules the present issue, protects, in a more stressing way, the part which is economically considered the weakest.
"All of us are consumers" John Kennedy said impressively on 15 March 1962. And we would say that many of us are "credit consumers". It is in this context that the recent approval, in our legal disposition, of a new regulating norm of the consumption credit, assumes special relevance. On the other hand, one should emphasize the constitutional command which takes into account the consumers protection. Actually, according to article 60 of the Portuguese Republic Constitution, "the consumers have a right to the quality of goods and services consumed, to training and information, to the protection of health, of safety and of economic interests, as well as to the repair of damages". Therefore, it is important to know with rigour the norms that nowadays rule the access and the regulation of consumption credit contracts, in a context of communitarian harmonization of this legal-economic institution. It will be convenient, above all, to understand how the do-cument, which nowadays rules the present issue, protects, in a more stressing way, the part which is economically considered the weakest.
Description
Keywords
Crédito Consumo Consumidores Protecção Regulação Credit Consumer Consumption
Pedagogical Context
Citation
Publisher
Instituto Politécnico do Porto. Instituto Superior de Contabilidade e Administração do Porto