Carvalho, Diógenes Faria de2024-10-142024-10-142024SILVA, Vera Lucia da. Efeitos da concessão de crédito ao consumidor idoso: superendividamento. Goiânia (GO), 2024. 84 f Dissertação (Mestrado Profissional em Direito Constitucional Econômico) - Centro Universitário Alves Faria, 2024https://repositorio.unialfa.com.br/handle/123456789/438This dissertation investigates the effects of granting credit to elderly consumers, focusing on over-indebtedness. The study starts from the analysis of the dignity of the human person and the protection of the elderly in Brazil, considering the historical and philosophical evolution of the concept of dignity. The work analyzes the hypervulnerability of elderly consumers, characterizing it and comparing it with other forms of vulnerability in consumer relationships. It also examines the economic and social impacts of over-indebtedness, including reduced quality of life and macroeconomic effects. International cases, such as Japan, are presented to illustrate how different countries have faced the problem. The dissertation also explores the credit market and its implications for the elderly, highlighting the expansion of payroll loans and its consequences. Methods of harassing elderly consumers are discussed, as well as legislation and protective actions against these practices. The study concludes by emphasizing the need for effective public policies, ongoing financial education and strict regulations to protect older consumers and ensure they can participate in the consumer market safely and equitably. KEYWORDS: Over-indebtedness; Elderly Consumer: Economic Constitution; Economic and Consumer Law, HypervulnerabilityptSuperendividamentoConstituição Econômica BrasileiraHipervulnerabilidadeIdoso