Atlas · ANEEL Regulation
Mandatory Information in Consumer Credit Offers
AnswerThere are 5 mandatory pieces of information: total effective cost, rates (monthly interest and late fees), payment amounts, minimum offer term (2 days), and provider details.
Reviewed on 2026-10-03 · next review 2027-04-03
Data
| Mandatory Information | Details | Source | Data |
|---|---|---|---|
| Total effective cost | Must include all fees charged to the consumer, calculated as an annual percentage rate. | Law 14.181/2021, art. 54-B, II and § 2º | 01/07/2021 |
| Effective monthly interest rate | Must be disclosed, along with the late interest rate and total late fees. | Law 14.181/2021, art. 54-B, II | 01/07/2021 |
| Payment amounts and offer validity period | Minimum offer term must be 2 days. | Law 14.181/2021, art. 54-B, III | 01/07/2021 |
| Provider’s name and address | Includes electronic address. | Law 14.181/2021, art. 54-B, IV | 01/07/2021 |
| Right to early settlement | Must disclose the right to early repayment without penalties. | Law 14.181/2021, art. 54-B, V | 01/07/2021 |
Data consulted on 03/10/2026.
Basis
- Law No. 14.181/2021 (Planalto, in Portuguese): amends the Consumer Defense Code (Law 8.078/1990) to establish mandatory information in consumer credit offers, as per arts. 54-B and 54-C.
How it applies
Consumer credit offers must clearly and preemptively include five mandatory pieces of information: total effective cost (with all fees, as an annual percentage rate), interest rates (monthly and late fees, plus late charges), payment amounts and minimum offer term (2 days), provider details (name, physical and electronic address), and the right to early settlement without penalties. These details must appear in the contract, bill, or a separate, easily accessible document.
Limits
- Mandatory information does not apply to contracts entered into with fraud or bad faith or resulting from the purchase of high-value luxury products (art. 54-A, § 3º).
- The offer must be preemptive and adequate, but there is no obligation to consult credit protection services or assess the consumer’s financial situation (vetoed in art. 54-C, I).
- The total effective cost must follow the standardized calculation by the financial system’s regulatory authority (art. 54-B, § 2º).
- This guide does not cover credit contracts not regulated by the CDC (e.g., transactions between legal entities).
- Subsequent changes should be verified in Law 14.181/2021 and regulations from the Central Bank of Brazil (BCB) or the Consumer Defense Code.
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