Medida Provisória nº 518 de 30/12/2010. DISCIPLINA A FORMAÇÃO E CONSULTA A BANCOS DE DADOS COM INFORMAÇÕES DE ADIMPLEMENTO, DE PESSOAS NATURAIS OU DE PESSOAS JURIDICAS, PARA FORMAÇÃO DE HISTORICO DE CREDITO.
MEDIDA PROVISÓRIA n° 518, DE 30 DE DEZEMBRO DE 2010
Disciplina a formação e consulta a bancos de dados com informações de adimplemento , de pessoas naturais ou de pessoas jurídicas, para formação de histórico de crédito.
O PRESIDENTE DA REPÚBLICA, no uso da atribuição que lhe confere o art. 62 da Constituição, adota a seguinte Medida Provisória, com força de lei:
Esta Medida Provisória disciplina a formação e consulta a bancos de dados com informações de adimplemento, de pessoas naturais ou de pessoas jurídicas, para formação de histórico de crédito, sem prejuízo do disposto na Lei nº 8.078, de 11 de setembro de 1990 - Código de Defesa do Consumidor.
Parágrafo único. Os bancos de dados instituídos ou mantidos por pessoas jurídicas de direito público interno serão regidos por legislação específica.
Para os efeitos desta Medida Provisória, considera-se:
I - banco de dados: conjunto de dados relativo a pessoa natural ou jurídica armazenados com a finalidade de subsidiar a concessão de crédito, a realização de venda a prazo ou de outras transações comerciais e empresarias que impliquem risco financeiro;
II - gestor: pessoa jurídica responsável pela administração de banco de dados, bem como pela coleta, armazenamento, análise e acesso de terceiros aos dados armazenados;
III - cadastrado: pessoa natural ou jurídica que tenha autorizado inclusão de suas informações no banco de dados;
IV - fonte: pessoa natural ou jurídica que conceda crédito ou realize venda a prazo ou outras transações comerciais e empresariais que lhe impliquem risco financeiro;
V - consulente: pessoa natural ou jurídica que acesse informações em bancos de dados para fins de concessão de crédito ou realização de venda a prazo ou outras transações comerciais e...
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