Disciplina da usura no Direito Civil brasileiro
This paper addresses the regulation of the practice of usury under Brazilian Private Law and advocates that the Brazilian “Usury Law”, which regulates the limitation on interest that shall be stipulated by the parties in contracts regulated by the Civil Code (which do not involve consumers), has bee...
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Veröffentlicht in: | Revista de Direito Civil Contemporâneo - RDCC: Journal of Contemporary Private Law 2022 (33), p.81-121 |
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Format: | Artikel |
Sprache: | por |
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Zusammenfassung: | This paper addresses the regulation of
the practice of usury under Brazilian Private Law
and advocates that the Brazilian “Usury Law”,
which regulates the limitation on interest that
shall be stipulated by the parties in contracts
regulated by the Civil Code (which do not involve
consumers), has been revoked when the 2002
Civil Code has been put into effect. It is shown,
however, that the conclusion reached by Brazilian Courts in order to limit the interest rates
in these contracts to 12% per annum (1% per
month) is correct, even if the arguments have
not been solidly built. The paper also mentions,
without trying to expand it further, special provisions that are reserved for interest rates in the
context of financial and banking operations as
well as consumer contracts.
Este artigo aborda a disciplina da usura no direito civil brasileiro. Sustentamos que a Lei de Usura, no que disciplina a limitação imposta aos juros estipulados em contratos civis e empresariais (não de consumo), foi revogada pela Código Civil de 2002. Demonstramos, porém, que a conclusão a que os Tribunais têm chegado, ao limitar os juros desses contratos a 12% ao ano (1% ao mês) é correta, ainda que obtida por vias argumentativas menos consistentes. Tratamos, ainda, separadamente, e sem a pretensão de esgotar a exposição, do regramento especial reservado aos juros no contexto das operações financeiras e das relações de consumo. |
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ISSN: | 2358-1433 |