{"id":54008,"date":"2024-07-04T15:45:32","date_gmt":"2024-07-04T18:45:32","guid":{"rendered":"https:\/\/evertectrends.com\/?p=54008"},"modified":"2024-07-10T17:35:53","modified_gmt":"2024-07-10T20:35:53","slug":"resolucao-362","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/resolucao-362\/","title":{"rendered":"Saiba como se preparar para a Resolu\u00e7\u00e3o n\u00ba 362\/285 do Bacen"},"content":{"rendered":"\n

Entenda a Resolu\u00e7\u00e3o n\u00ba 362\/285 e aprenda como se adequar \u00e0s novas exig\u00eancias legais do setor de cons\u00f3rcios de forma eficaz\u00a0<\/span><\/em><\/p>\n

Publicada pelo Banco Central em 14 de dezembro de 2023, a <\/span>Resolu\u00e7\u00e3o n\u00ba 362<\/b> trouxe algumas mudan\u00e7as para o setor de cons\u00f3rcios. Uma delas se refere \u00e0 entrada em vigor da <\/span>resolu\u00e7\u00e3o BCB n\u00ba 285<\/span><\/a>, que disp\u00f5e sobre a constitui\u00e7\u00e3o e funcionamento de grupos de cons\u00f3rcio. Al\u00e9m disso, com a nova resolu\u00e7\u00e3o, houve o aprimoramento na reda\u00e7\u00e3o de alguns dispositivos presentes na resolu\u00e7\u00e3o BCB n\u00ba 285.<\/span><\/p>\n

Segundo o BCB, o objetivo dessas mudan\u00e7as \u00e9 <\/span>ampliar a transpar\u00eancia<\/b> e <\/span>eliminar quaisquer d\u00favidas<\/b> acerca dos procedimentos necess\u00e1rios para a implementa\u00e7\u00e3o das novas regras pelo setor.\u00a0<\/span><\/p>\n

Em que consiste a Resolu\u00e7\u00e3o BCB n\u00ba 362?<\/b><\/h2>\n

Em termos gerais, a Resolu\u00e7\u00e3o BCB n\u00ba 362 consiste em uma norma criada pelo Banco Central que altera a Resolu\u00e7\u00e3o BCB n\u00ba 285.\u00a0<\/span><\/p>\n

Com a nova resolu\u00e7\u00e3o, as regras que tratam da <\/span>constitui\u00e7\u00e3o e administra\u00e7\u00e3o dos grupos de cons\u00f3rcio no Brasil<\/b> passam a vigorar a partir de 1\u00b0 de julho de 2024, e n\u00e3o mais em janeiro deste ano, como estava inicialmente previsto.\u00a0<\/span><\/p>\n

Al\u00e9m disso, essa nova medida promoveu mudan\u00e7as no conte\u00fado da Resolu\u00e7\u00e3o BCB n\u00ba 285, revogando e alterando alguns dispositivos dessa norma. O objetivo dessas mudan\u00e7as \u00e9 <\/span>aprimorar o arcabou\u00e7o regulat\u00f3rio no <\/b>setor de cons\u00f3rcios<\/b><\/a>, acompanhando as evolu\u00e7\u00f5es desse mercado e garantindo mais seguran\u00e7a, efici\u00eancia e transpar\u00eancia a todos os envolvidos.<\/span><\/p>\n

E o que muda no setor de cons\u00f3rcios?<\/b><\/h2>\n

Com o an\u00fancio da Resolu\u00e7\u00e3o BCB n\u00ba 362, algumas mudan\u00e7as podem impactar o setor de cons\u00f3rcios. Confira a seguir alguns pontos da nova resolu\u00e7\u00e3o que se destacam:<\/span><\/p>\n

Cobran\u00e7a da taxa de administra\u00e7\u00e3o<\/b><\/h3>\n

A cobran\u00e7a da taxa de administra\u00e7\u00e3o deve ser feita apenas sobre os valores dos recursos do fundo de reserva ou de aplica\u00e7\u00f5es financeiras do fundo comum, multas e juros monet\u00e1rios ou multas rescis\u00f3rias retidas. Os valores advindos de rateio entre consorciados ativos n\u00e3o podem ser usados para fins de amortiza\u00e7\u00e3o do valor do bem ou servi\u00e7o objeto do contrato.<\/span><\/p>\n

Clareza dos crit\u00e9rios de cancelamento e multa rescis\u00f3ria<\/b><\/h3>\n

Ser\u00e1 exclu\u00eddo do grupo de cons\u00f3rcio quem estiver com tr\u00eas presta\u00e7\u00f5es vencidas consecutivamente ou, em raz\u00e3o da \u00faltima assembleia geral ordin\u00e1ria, estiver inadimplente com at\u00e9 duas presta\u00e7\u00f5es vencidas.\u00a0<\/span><\/p>\n

Consorciados contemplados que j\u00e1 tenham usufru\u00eddo do cr\u00e9dito para aquisi\u00e7\u00e3o do bem ou servi\u00e7o previsto em contrato n\u00e3o poder\u00e3o ser exclu\u00eddos do grupo de cons\u00f3rcio.\u00a0<\/span><\/p>\n

Al\u00e9m disso, a multa rescis\u00f3ria em decorr\u00eancia da exclus\u00e3o do consorciado n\u00e3o pode ser superior ao valor restante da taxa de administra\u00e7\u00e3o que a administradora receberia caso o mesmo permanecesse ativo at\u00e9 o t\u00e9rmino do grupo de cons\u00f3rcio.<\/span><\/p>\n

Transpar\u00eancia no demonstrativo individual dos consorciados<\/b><\/h3>\n

As administradoras devem encaminhar aos consorciados ativos um demonstrativo individual detalhado, contendo, al\u00e9m dos dados sobre a assembleia realizada anteriormente, outras informa\u00e7\u00f5es como n\u00famero do grupo e cota, dura\u00e7\u00e3o do plano em meses, percentual da taxa de administra\u00e7\u00e3o, pre\u00e7o do bem ou servi\u00e7o, bem como valor atualizado do cr\u00e9dito previsto em contrato.\u00a0<\/span><\/p>\n

No demonstrativo tamb\u00e9m deve constar uma tabela discriminando os pagamentos feitos pelos consorciados durante o per\u00edodo referente \u00e0s \u00faltimas tr\u00eas assembleias gerais ordin\u00e1rias, al\u00e9m das parcelas em atraso e respectivas penalidades em caso de <\/span>inadimpl\u00eancia<\/span><\/a>.<\/span><\/p>\n

>> Leia tamb\u00e9m: <\/b>Clientes inadimplentes: 3 dicas de como resolver da melhor forma<\/span><\/a><\/p>\n

Como se preparar para a Resolu\u00e7\u00e3o BCB n\u00ba 362?<\/b><\/h2>\n

A Resolu\u00e7\u00e3o BCB n\u00ba 362 e suas altera\u00e7\u00f5es na regulamenta\u00e7\u00e3o do setor de cons\u00f3rcios entrar\u00e3o em vigor em julho de 2024. A partir dessa data, todas as administradoras de cons\u00f3rcio dever\u00e3o atuar em conformidade com as novas diretrizes definidas pelo Banco Central.<\/span><\/p>\n

Para se adequar a essas mudan\u00e7as, \u00e9 necess\u00e1rio que as institui\u00e7\u00f5es do setor passem por uma revis\u00e3o e melhorias em seus processos internos. Isso inclui a atualiza\u00e7\u00e3o de pol\u00edticas internas e procedimentos, a capacita\u00e7\u00e3o de colaboradores, assim como a implementa\u00e7\u00e3o de novos sistemas de gest\u00e3o e controle que operem em sintonia com as novas exig\u00eancias desse mercado.<\/span><\/p>\n

Certifica\u00e7\u00e3o da Sinqia UP Universe<\/strong><\/h2>\n

Com a chegada das novas regras no setor de cons\u00f3rcios, a Sinqia UP Universe<\/strong>, a nova universidade do cliente da Evertec + Sinqia, j\u00e1 disponibilizou uma certifica\u00e7\u00e3o espec\u00edfica para essas demandas legais.
<\/span><\/p>\n

Com o nosso curso, voc\u00ea adquire a certifica\u00e7\u00e3o da Resolu\u00e7\u00e3o 362\/285 de forma pr\u00e1tica e eficiente. A universidade da Evertec + Sinqia oferece um treinamento 100% online, permitindo acesso flex\u00edvel e cont\u00ednuo. <\/span><\/p>\n

Como fazer sua inscri\u00e7\u00e3o<\/b><\/h2>\n

Quer se capacitar nas novas regras dos cons\u00f3rcios com a Sinqia UP Universe? <\/span>Fa\u00e7a aqui a sua inscri\u00e7\u00e3o<\/b><\/a>! Basta abrir um chamado para contrata\u00e7\u00e3o da certifica\u00e7\u00e3o e selecionar \u201cConsultoria\u201d, inserindo no t\u00edtulo o nome do treinamento: \u201cAcademia Legisla\u00e7\u00e3o BCB 285\/362\u201d.\u00a0<\/span><\/p>\n

Se voc\u00ea ainda n\u00e3o \u00e9 um cliente, mas deseja se atualizar nas <\/span>novas regras dos cons\u00f3rcios<\/b>, <\/span>entre em contato com os nossos especialistas<\/span><\/a>!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":9,"featured_media":54009,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[997],"tags":[52,742,14],"class_list":["post-54008","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulamentacao","tag-bancos","tag-consorcio","tag-mercado-financeiro-2"],"yoast_head":"\nSaiba como se preparar para a Resolu\u00e7\u00e3o n\u00ba 362\/285 do Bacen - Evertec Trends<\/title>\n<meta name=\"description\" content=\"As tend\u00eancias de tecnologia para inovar com estrat\u00e9gia Saiba mais sobre a Resolu\u00e7\u00e3o n\u00ba 362 e garanta a conformidade com as novas diretrizes regulat\u00f3rias.\" 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