A VULNERABILIDADE DA CLASSE IDOSA DIANTE DOS EMPRÉSTIMOS CONSIGNADOS

This work focuses on analyzing the vulnerability of elderly people when faced with payroll loans, based on experiences during the academic internship of one of the authors. The research is based on the observation that the elderly, as consumers, find themselves in a situation of hypervulnerability, especially in relationships with financial institutions, which often results in over-indebtedness in this age group. The objective is to examine, in light of the Federal Constitution, the Consumer Protection Code and the Statute of the Elderly, the legal issues involved in granting loans granted to this population. The research is exploratory in nature and uses the deductive method, highlighting abusive practices in the provision of credit, particularly for elderly people in situations of greater financial and social fragility.