The new Consumer Protection Code of Parana brings more current and broad obligations, in addition to modernizing the transparent and fair relationship between companies and consumers, already advocated by the national CDC since 1990. This is the evaluation of lawyer Larissa Nishimura, expert in the subject, member of the Law Firm Baptistute Advogados. The document is the third created by a state, behind Pernambuco, which had the initiative in 2019, and Sao Paulo (2023). According to the expert, the new document brings predictions that correspond to current issues and, among the 323 articles, a single file.
“The code brings issues that more than 30 years ago were not problematized.Among them, the obligation to notify a debtor about inclusion in credit protection agencies. Or, then, situations related to financial loans to the elderly, since there are many scams applied to this public”, says Larissa. According to the lawyer, the document, sanctioned in September 2024 and in force since March 2025, provides that the name of an defaulter can only be taken to credit protection agencies after 30 days of default, warning the debtor at least five days in advance.
In addition, those who make a loan to an elderly, pensioner or retiree, can only do so by physical signature of a contract, with presentation of an identity document, or simple electronic signature. “This forecast is to avoid the many blows of people who use authorizations by phone, application, photography or voice recording. It is a way to protect this public, more vulnerable and susceptible to these crimes” Another measure that can also benefit this public is the obligation to make packaging available with a minimum of 30 tablets for those who make use of continuous medicines.
“The code also establishes a way to curb the famous make-up that used vehicle dealers make”, explains Larissa. It is that, from now on, dealerships and dealers must inform, in writing, before the sale of a car, if the vehicle has already had problems with collision, flooding, went through auction and recall, among other complications.Such as financial institutions must inform the full amount of a charge for providing a service charged, either by electronic cashier, telephone or internet.“This way, in both cases, the consumer has the possibility to choose to buy or hire the service.”
In addition to these unprecedented inclusions, the Consumer Protection Code of Parana establishes rules against over-indebtedness, end of unwanted automatic calls, promotions with visible previous prices, mandatory translations in advertising with foreign words, right to physical menu and clear forms of payment in bars and restaurants, among others. “S are measures that aim to update and contemplate elements of reality and the day to day of today.”