Decreto-Lei n.º 82/2006, de 03 de Maio de 2006
Decreto-Lei n.º 82/2006 de 3 de Maio O Decreto-Lei n.º 359/91, de 21 de Setembro, procedeu à transposição para a ordem jurídica nacional das Directivas do Conselho das Comunidades Europeias n.os 87/102/CEE, de 22 de Dezembro de 1986, e 90/88/CEE, de 22 de Fevereiro, relativas ao crédito ao consumo.
A prática tem demonstrado que a aplicação daquele decreto-lei, com a redacção que lhe foi dada pelo Decreto-Lei n.º 101/2000, de 2 de Junho, não tem garantido uma eficaz transparência das comunicações comerciais dirigidas aos consumidores, pondo assim em causa a sua capacidade para, de forma consciente e esclarecida, formarem a sua vontade de contratar.
Assim, por este motivo, o presente decreto-lei vem estabelecer que a taxa anual de encargos efectiva global (TAEG) deve ser apresentada sistematicamente em todas as comunicações comerciais, e não só quando seja mencionada a taxa de juros ou outro valor relacionado com o custo do crédito.
Deste modo, toda a comunicação comercial deve indicar a TAEG para cada modalidade de crédito que vise promover, mesmo quando se apresente o crédito como gratuito, sem juros ou se utilize na mensagem uma outra expressãoequivalente.
Com este alargamento da obrigatoriedade de indicar a TAEG, pretende-se dar mais transparência ao mercado do crédito ao consumo e, simultaneamente, prevenir comportamentos menos cuidadosos por parte dos consumidores no recurso ao crédito, contribuindo-se, assim, para a diminuição do risco de sobreendividamento das famílias e dos consumidores.
Nesse sentido, estabelece-se a obrigatoriedade de indicação da TAEG, de forma legível e perceptível, nas comunicações comerciais, incluindo a publicidade, relativas ao crédito ao consumo.
Foi promovida a audição dos membros do Conselho Nacional do Consumo.
Foram ouvidas a União Geral dos Consumidores, a Federação Nacional das Cooperativas de Consumo e a Associação dos Consumidores da Região Autónoma dos Açores.
Assim: Nos termos da alínea a) do n.º 1 do artigo 198.º da Constituição, o Governo decreta o seguinte: Artigo 1.º Alteração ao Decreto-Lei n.º 359/91, de 21 de Setembro Os artigos 5.º e 17.º do Decreto-Lei n.º 359/91, de 21 de Setembro, alterado pelo Decreto-Lei n.º 101/2000...
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