[{"@context":"https:\/\/schema.org\/","@type":"NewsArticle","@id":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/uso-de-credito-atrelado-ao-salario-e-crescimento-das-apostas-online-acendem-alerta-sobre-protecao-do-consumidor\/amp\/#newsarticle","url":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/uso-de-credito-atrelado-ao-salario-e-crescimento-das-apostas-online-acendem-alerta-sobre-protecao-do-consumidor\/amp\/","headline":"Uso de cr\u00e9dito atrelado ao sal\u00e1rio e crescimento das apostas online acendem alerta sobre prote\u00e7\u00e3o do consumidor","mainEntityOfPage":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/uso-de-credito-atrelado-ao-salario-e-crescimento-das-apostas-online-acendem-alerta-sobre-protecao-do-consumidor\/","datePublished":"2025-04-09T16:03:20-03:00","dateModified":"2025-04-09T16:03:21-03:00","description":"Segundo o Banco Central, o fluxo financeiro mensal com apostas no Brasil pode chegar a R$ 30 bilh\u00f5es em 2025. De janeiro a mar\u00e7o...","articleSection":"Direito","articleBody":"O brasileiro tem, cada vez mais, utilizado instrumentos de cr\u00e9dito vinculados ao sal\u00e1rio como alternativa para manter o consumo e o pagamento de contas em dia. Entre os mais populares est\u00e3o o consignado via FGTS, o microcr\u00e9dito ligado ao Bolsa Fam\u00edlia e, mais recentemente, a antecipa\u00e7\u00e3o do sal\u00e1rio regulamentada pelo Conselho Monet\u00e1rio Nacional (CMN) para aposentados e pensionistas. Esses mecanismos, no entanto, v\u00eam sendo usados por parte da popula\u00e7\u00e3o sem pleno conhecimento das implica\u00e7\u00f5es, o que preocupa especialistas diante de outro movimento relevante: o avan\u00e7o das apostas online. Segundo o Banco Central, o fluxo financeiro mensal com apostas no Brasil pode chegar a R$ 30 bilh\u00f5es em 2025. De janeiro a mar\u00e7o deste ano, os valores mensais j\u00e1 variam entre R$ 20 bilh\u00f5es e R$ 30 bilh\u00f5es, conforme apresentado em audi\u00eancia da I das Apostas Esportivas (I das Bets), no Senado Federal. O presidente do BC, Gabriel Gal\u00edpolo, alertou que \u201cquem aposta nas bets tem maior risco de cr\u00e9dito\u201d. Segundo ele, um levantamento da autoridade monet\u00e1ria apontou que as pessoas que realizam apostas online t\u00eam risco de cr\u00e9dito significativamente maior do que aquelas que n\u00e3o apostam. \u201cA preocupa\u00e7\u00e3o central est\u00e1 no cruzamento entre o cr\u00e9dito atrelado \u00e0 renda e a aus\u00eancia de controle sobre o uso desse recurso para apostas. O que deveria funcionar como um f\u00f4lego financeiro acaba, em muitos casos, sendo desviado para um ambiente de risco, sem prote\u00e7\u00e3o suficiente ao consumidor\u201d, afirma Caren Benevento, s\u00f3cia da Benevento Advocacia e pesquisadora do Grupo de Estudos de Direito Contempor\u00e2neo do Trabalho e da Seguridade Social da Faculdade de Direito da USP. Leia Tamb\u00e9m: A regulamenta\u00e7\u00e3o atual j\u00e1 imp\u00f5e alguns mecanismos de prote\u00e7\u00e3o \u2013 como a limita\u00e7\u00e3o da margem consign\u00e1vel e a exig\u00eancia de transpar\u00eancia na contrata\u00e7\u00e3o. Contudo, Caren defende o avan\u00e7o de pol\u00edticas p\u00fablicas de educa\u00e7\u00e3o financeira e refor\u00e7o nas normas que regem o setor de apostas. \u201cA legisla\u00e7\u00e3o precisa considerar que muitos dos usu\u00e1rios desses instrumentos de cr\u00e9dito pertencem a grupos vulner\u00e1veis, com baixa escolaridade ou sem o a orienta\u00e7\u00e3o adequada. Apostar o sal\u00e1rio do m\u00eas, sem saber, n\u00e3o pode ser naturalizado\u201d, refor\u00e7a. A Lei n\u00ba 14.801\/2024, que criou o marco regulat\u00f3rio das apostas esportivas, trouxe obriga\u00e7\u00f5es como a necessidade de campanhas educativas, canais de den\u00fancia e mecanismos para identificar comportamentos compulsivos. No entanto, especialistas alertam que a aplica\u00e7\u00e3o pr\u00e1tica dessas medidas ainda \u00e9 incipiente. \u201c\u00c9 fundamental que haja uma interliga\u00e7\u00e3o entre os dados de cr\u00e9dito e os sistemas de apostas, com salvaguardas que impe\u00e7am que recursos como antecipa\u00e7\u00e3o salarial ou empr\u00e9stimos sociais acabem escoando para plataformas digitais que, apesar de legalizadas, ainda carecem de maior fiscaliza\u00e7\u00e3o\u201d, diz Caren.Para ela, \u00e9 urgente um esfor\u00e7o conjunto entre governo, institui\u00e7\u00f5es financeiras e operadores de plataformas de apostas para mitigar os danos e garantir o uso respons\u00e1vel dos recursos. \u201cO cr\u00e9dito pode ser uma ferramenta de inclus\u00e3o e estabilidade. Mas quando h\u00e1 desequil\u00edbrio e aus\u00eancia de informa\u00e7\u00e3o, ele vira armadilha. E o custo social disso ser\u00e1 alto se nada for feito\u201d, conclui.Sobre Caren Benevento\u00a0 Advogada com mais de 20 anos de experi\u00eancia, Caren \u00e9 especializada em processos judiciais e negocia\u00e7\u00f5es trabalhistas no setor banc\u00e1rio, al\u00e9m de gerenciamento de ivo judicial. H\u00e1 15 anos, assessora empresas em quest\u00f5es consultivas e contenciosas, com foco em rela\u00e7\u00f5es de trabalho, \u00e1reas empresarial, societ\u00e1ria e de governan\u00e7a corporativa. Possui certifica\u00e7\u00e3o pela International Association of Privacy Professionals (CIPM) e auxilia empresas na conformidade com a LGPD. \u00c9 pesquisadora do Grupo de Estudos do Direito Contempor\u00e2neo do Trabalho e da Seguridade Social da Universidade de S\u00e3o Paulo (GETRAB-USP). Tamb\u00e9m possui especializa\u00e7\u00f5es em Direito Empresarial pela FGV Direito SP, Prote\u00e7\u00e3o de Dados pela FMP, Negocia\u00e7\u00f5es Empresariais pela FGV Direito SP, e Compliance Trabalhista pela FGV Direito SP, entre outras forma\u00e7\u00f5es.","keywords":["apostas no Brasil"," cr\u00e9dito"," Cr\u00e9dito consignado"," cr\u00e9dito fgts"," destaque"," endividamento consumidor"," jogos online"," "],"name":"Uso de cr\u00e9dito atrelado ao sal\u00e1rio e crescimento das apostas online acendem alerta sobre prote\u00e7\u00e3o do consumidor","thumbnailUrl":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/wp-content\/s\/2025\/03\/Mito-ou-verdade-Nao-preciso-pagar-dividas-apos-cinco-anos-150x150.jpg","wordCount":"604","timeRequired":"PT2M41S","mainEntity":{"@type":"WebPage","@id":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/uso-de-credito-atrelado-ao-salario-e-crescimento-das-apostas-online-acendem-alerta-sobre-protecao-do-consumidor\/amp\/"},"author":{"@type":"Person","name":"Ricardo de Freitas","description":"Ricardo de Freitas n\u00e3o \u00e9 apenas o CEO e Jornalista do Portal Jornal Cont\u00e1bil, mas tamb\u00e9m possui uma s\u00f3lida trajet\u00f3ria como principal executivo e consultor de grandes empresas de software no Brasil. Sua experi\u00eancia no setor de tecnologia, adquirida at\u00e9 2013, o proporcionou uma vis\u00e3o estrat\u00e9gica sobre as necessidades e desafios das empresas. Ainda em 2010, demonstrou sua expertise em comunica\u00e7\u00e3o e neg\u00f3cios ao lan\u00e7ar com sucesso o livro \"A Revolu\u00e7\u00e3o de Marketing para Empresas de Contabilidade\", uma obra que se tornou refer\u00eancia para o setor cont\u00e1bil em busca de novas abordagens de marketing e relacionamento com clientes. Sua lideran\u00e7a no Jornal Cont\u00e1bil, portanto, \u00e9 enriquecida por uma compreens\u00e3o multifacetada do mundo empresarial, unindo tecnologia, gest\u00e3o e comunica\u00e7\u00e3o estrat\u00e9gica.","url":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/autor\/redator\/","sameAs":["https:\/\/jornalcontabil-br.noticiasgoianas.com"],"image":{"@type":"ImageObject","url":"https:\/\/secure.gravatar.com\/avatar\/ae452389a786dfa310206ecb7951e0b8b17faca3780e87c88555637cd69812ff?s=96&d=mm&r=g","height":96,"width":96}},"editor":{"@type":"Person","name":"Ricardo de Freitas","description":"Ricardo de Freitas n\u00e3o \u00e9 apenas o CEO e Jornalista do Portal Jornal Cont\u00e1bil, mas tamb\u00e9m possui uma s\u00f3lida trajet\u00f3ria como principal executivo e consultor de grandes empresas de software no Brasil. Sua experi\u00eancia no setor de tecnologia, adquirida at\u00e9 2013, o proporcionou uma vis\u00e3o estrat\u00e9gica sobre as necessidades e desafios das empresas. Ainda em 2010, demonstrou sua expertise em comunica\u00e7\u00e3o e neg\u00f3cios ao lan\u00e7ar com sucesso o livro \"A Revolu\u00e7\u00e3o de Marketing para Empresas de Contabilidade\", uma obra que se tornou refer\u00eancia para o setor cont\u00e1bil em busca de novas abordagens de marketing e relacionamento com clientes. Sua lideran\u00e7a no Jornal Cont\u00e1bil, portanto, \u00e9 enriquecida por uma compreens\u00e3o multifacetada do mundo empresarial, unindo tecnologia, gest\u00e3o e comunica\u00e7\u00e3o estrat\u00e9gica.","url":"https:\/\/jornalcontabil-br.noticiasgoianas.com\/noticia\/autor\/redator\/","sameAs":["https:\/\/jornalcontabil-br.noticiasgoianas.com"],"image":{"@type":"ImageObject","url":"https:\/\/secure.gravatar.com\/avatar\/ae452389a786dfa310206ecb7951e0b8b17faca3780e87c88555637cd69812ff?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Jornal Cont\u00e1bil - Independ\u00eancia e 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Uso de crédito atrelado ao salário e crescimento das apostas online acendem alerta sobre proteção do consumidor
O brasileiro tem, cada vez mais, utilizado instrumentos de crédito vinculados ao salário como alternativa para manter o consumo e o pagamento de contas em dia. Entre os mais populares estão o consignado via FGTS, o microcrédito ligado ao Bolsa Família e, mais recentemente, a antecipação do salário regulamentada pelo Conselho Monetário Nacional (CMN) para aposentados e pensionistas. Esses mecanismos, no entanto, vêm sendo usados por parte da população sem pleno conhecimento das implicações, o que preocupa especialistas diante de outro movimento relevante: o avanço das apostas online.
Segundo o Banco Central, o fluxo financeiro mensal com apostas no Brasil pode chegar a R$ 30 bilhões em 2025. De janeiro a março deste ano, os valores mensais já variam entre R$ 20 bilhões e R$ 30 bilhões, conforme apresentado em audiência da I das Apostas Esportivas (I das Bets), no Senado Federal. O presidente do BC, Gabriel Galípolo, alertou que “quem aposta nas bets tem maior risco de crédito”. Segundo ele, um levantamento da autoridade monetária apontou que as pessoas que realizam apostas online têm risco de crédito significativamente maior do que aquelas que não apostam.
“A preocupação central está no cruzamento entre o crédito atrelado à renda e a ausência de controle sobre o uso desse recurso para apostas. O que deveria funcionar como um fôlego financeiro acaba, em muitos casos, sendo desviado para um ambiente de risco, sem proteção suficiente ao consumidor”, afirma Caren Benevento, sócia da Benevento Advocacia e pesquisadora do Grupo de Estudos de Direito Contemporâneo do Trabalho e da Seguridade Social da Faculdade de Direito da USP.
A regulamentação atual já impõe alguns mecanismos de proteção – como a limitação da margem consignável e a exigência de transparência na contratação. Contudo, Caren defende o avanço de políticas públicas de educação financeira e reforço nas normas que regem o setor de apostas. “A legislação precisa considerar que muitos dos usuários desses instrumentos de crédito pertencem a grupos vulneráveis, com baixa escolaridade ou sem o a orientação adequada. Apostar o salário do mês, sem saber, não pode ser naturalizado”, reforça.
A Lei nº 14.801/2024, que criou o marco regulatório das apostas esportivas, trouxe obrigações como a necessidade de campanhas educativas, canais de denúncia e mecanismos para identificar comportamentos compulsivos. No entanto, especialistas alertam que a aplicação prática dessas medidas ainda é incipiente.
“É fundamental que haja uma interligação entre os dados de crédito e os sistemas de apostas, com salvaguardas que impeçam que recursos como antecipação salarial ou empréstimos sociais acabem escoando para plataformas digitais que, apesar de legalizadas, ainda carecem de maior fiscalização”, diz Caren.
Para ela, é urgente um esforço conjunto entre governo, instituições financeiras e operadores de plataformas de apostas para mitigar os danos e garantir o uso responsável dos recursos. “O crédito pode ser uma ferramenta de inclusão e estabilidade. Mas quando há desequilíbrio e ausência de informação, ele vira armadilha. E o custo social disso será alto se nada for feito”, conclui.Sobre Caren Benevento
Advogada com mais de 20 anos de experiência, Caren é especializada em processos judiciais e negociações trabalhistas no setor bancário, além de gerenciamento de ivo judicial. Há 15 anos, assessora empresas em questões consultivas e contenciosas, com foco em relações de trabalho, áreas empresarial, societária e de governança corporativa. Possui certificação pela International Association of Privacy Professionals (CIPM) e auxilia empresas na conformidade com a LGPD. É pesquisadora do Grupo de Estudos do Direito Contemporâneo do Trabalho e da Seguridade Social da Universidade de São Paulo (GETRAB-USP). Também possui especializações em Direito Empresarial pela FGV Direito SP, Proteção de Dados pela FMP, Negociações Empresariais pela FGV Direito SP, e Compliance Trabalhista pela FGV Direito SP, entre outras formações.
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