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Bill Approved in the Senate Expands Protection Against Abusive Credit Practices and Prevents Age Discrimination in Loans and Financing, Reinforcing the Statute of the Elderly and Establishing Penalties for Financial Institutions That Violate the Rule.
The Senate Economic Affairs Commission approved, on September 2, 2025, PL 4.802/2023, which prohibits age discrimination in credit and financing operations and establishes penalties for institutions that impose harsher conditions on elderly clients.
The text provides for imprisonment of six months to one year, in addition to a fine, and will proceed to the Chamber of Deputies unless there is an appeal to the Plenary, in a decision of a terminal nature in the commission.
The proposal amends Law 10.741/2003 (Statute of the Elderly) to make clear that the prohibition against discrimination in access to financial services includes credit and financing operations.
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With this update, the Statute clarifies that age alone cannot be used as a criterion for higher interest rates, requiring a guarantor, or other barriers when there are sufficient guarantees for the operation.
According to lawmakers in favor of the text, the change seeks to reduce interpretations that, in practice, hinder access for consumers aged 60 and older to the credit market.
What Changes in Credit Operations
The report approved by the CAE confirms the contents of the substitute already voted on in June in the Human Rights Commission.
The text classifies the imposition of additional requirements or higher rates on the elderly when there are movable or immovable assets available as adequate collateral as discriminatory.
It also reinforces safeguards against abusive practices in the offering of products and services, mentioning false advertising and refusal to sell when the consumer is willing to pay in cash, which, according to the authors, aligns the Statute with consumer protection regulations.
According to the project’s justification, the measure creates a specific normative parameter for financial institutions: risk assessment remains free, but must rely on objective criteria equivalent to those used for other publics in similar collateral situations.
The text does not set limits on interest rates or credit analysis but prohibits using age as a sole criterion to raise prices, impose waiting periods, or require guarantees in contracts that already have sufficient collateral.
Voting and Progress in the Senate
The CAE’s decision was unanimous, with 20 favorable votes, according to the official record of the proceedings.
The committee approved the substitute and communicated the result, opening a supplementary period for the presentation of amendments, a regimental step prior to the consolidation of the text.
If there is no appeal to the Plenary, the matter will be sent directly to the Chamber of Deputies for further analysis.
The bill is authored by Senator Ciro Nogueira.
In the CAE, the report was with Senator Laércio Oliveira, who maintained the substitute from the CDH.
In the previous phase, Senator Damares Alves reported on the matter in the Human Rights Commission, with a favorable opinion approved on June 25, 2025.
The progress through two committees—human rights and economics—is cited by lawmakers as an example of alignment between social protection and economic regulation, as the text addresses both legal guarantees and market practices.
Legal Reach and Reinforcement of the Statute
By positing the prohibition in the Statute of the Elderly, PL 4.802/2023 aims to provide greater operational clarity for protection against discrimination in banking services.
According to the authors’ justification, the change seeks to provide legal security for the actions of banks, financial institutions, and retailers, reducing doubts about practices that impose additional obstacles on elderly clients without technical justifications comparable to those offered to other consumers.
In addition to credit, the approved text also encompasses consumer relations in a broader sense.
By prohibiting the refusal to sell in the face of immediate payment and banning abusive clauses, the text broadens the fight against ageism in commercial practices, potentially impacting the offering of goods and services outside the banking environment.
The content has been seen by consumer law experts as a way to reinforce the alignment between the Statute and the Consumer Protection Code, creating clear parameters for suppliers.
Impacts on the Financial Sector
For the financial system, the proposal establishes a compliance benchmark that could guide internal credit policies, according to assessments by industry entities consulted by the Senate.
In practice, institutions will have to demonstrate that rates, waiting periods, and requirements are based on objective indicators—such as cash flow analysis, payment history, and collateral value—and not on isolated age factors.
The change is seen by legislative technicians as a way to standardize interpretations and reduce the risks of litigation and administrative or criminal sanctions.
According to the report, the project does not prevent different conditions when there are proven reasons in the risk analysis.
The text only prohibits age generalizations, especially in cases with sufficient guarantees, creating a legal framework to preserve pricing autonomy based on technical criteria.
Proposed Penalties and Practical Application
The proposal provides for imprisonment of six months to one year and a fine for those who violate the rule. According to the report, the sanction has a dissuasive nature, aiming to deter discriminatory practices.
With the change, banks and suppliers will have to review their internal procedures and communication materials to avoid false advertising or omission of conditions that could harm elderly consumers.
For consumer protection entities and supervisory bodies, the text creates a more precise normative reference, allowing better guidance for services and foundation for sanctions.
The expectation of analysts consulted by the Senate Agency is that the rule will bring more transparency in the relationships between financial institutions and elderly clients, especially in contracts with real guarantees.
Ola eu tenho 76 anos e estou com câncer
Estou usando fraldas
Financiei. Um carro.
No valor do carro a vista 35.000.00 mil reais
Dei 15.000.00 de entrada e financiamento
60 prestaçães 624.00 reais por mês
Está difícil para pagar
Tenho algum direito de reclamar?
Texto muito longo,repetitivo. Hoje em dia tem que pontuar apenas o que for extremamente necessário para uma boa compreensão do assunto.
Seria bom, mesmo excelente que a juventude fosse eterna. Mas a vida em todos os seres vivos, nascem, crescem e depois entra a curva descente da velhice. É o ritmo da vida.
Eu sou filha, com mais quatro irmãs.
Quando minha mãe precisou de cuidados mínimos, como cuidar da casa e preparar sua alimentação, logo notei que deveria passar a frente,.sem me impor.
Minhas irmãs já não tinham contato com mamãe há mais de dez anos.
Cuidei de mamãe com desvelo, carinho, amor e total paciência.
Abandonei meu trabalho,para dedicar-me inteiramente a ela. Mamãe faleceu aos 96 anos. Se não fosse hospitalizada teria vivido mais de cem anos. Faço aqui profundas críticas aos hospitais. Especialmente os que se paga durante anos, um plano de saúde, sem nunca precisar e quando vai realmente precisar, o tratamento humano é horrível. A falta de empatia, de ouvir a cuidadora, e médico /as que nos trata com ignorantes! Só eles sabem. Mas eu sabia tudo de mamãe. Eu preparava sua alimentação como ela mais gostasse. Rezava para e ninava para dormir.
Sou feliz pelo que fiz e faria outra vez.
Hoje sem conseguir aposentadoria, os quase dez anos cuidando de mamãe não contam como tempo de trabalho.
Hoje, cuido já a três anos do meu marido, 82 anos com o Mal de Parkinson, já bem adiantado. Meu filho é procurado do pai para resolver tudo, pois eu não saiu de perto.
Os órgãos públicos são os piores, assim como os cartórios , meu esposo não pode mais assinar. A burocracia é terrível. A falta de sensibilidade é total.
Eu tem 73 anos, também não tenho boa saúde mental, sofro desde de sempre de Claustrofobia, tenho depressão crônica, e Síndrome do Pânico, mesmo antes que houvesse um diagnóstico. Sofro muito. A falta de compreensão e atenção é incrivelmente ausente.
Todos, que não morrem jovens, ficarão idosos e passaram pelo que passo.
Até na justiça tenho minhas dúvidas sobre nossos direitos. Não estou pedindo favor nem piedade. Só dignidade
Compreendo perfeitamente, vc não está sozinha, são milhares. Falta atendimento humanizado e política públicas para idosos que nos garantam mais dignidade. Na maioria das vezes somos tratados/as seres humanos incapazes, senis.
É dona Mariene, infelizmente vivemos em um país que por enquanto não deu certo,e não tenho certeza que num futuro próximo vai dar. São tantas coisas que não se resolve no nosso país,que é desanimador. Políticos da América do Sul, América Latina são extremamente incompetentes. Não devemos esperar nada deles.Estarei orando pela senhora e sua família.Que Deus a abençoe.