BC cria sistema para consumidor checar operações de crédito


Banco Central criou o “Sistema Registrato”, que permite ao cidadão ter acesso de forma rápida e segura, pela internet, às informações sobre suas operações de crédito e outros relacionamentos com o sistema financeiro. Em evento realizado hoje no 4º Fórum Banco Central sobre Inclusão Financeira, o BC anunciou este e outros mecanismos para incentivar cooperativas de crédito e receber reclamações de clientes.

Com o novo sistema, para obter essas informações, não será mais preciso ir a uma das representações do BC ou enviar pelos correios solicitação com firma reconhecida em cartório e cópias de documentos pessoais também autenticadas. Para garantir o sigilo dos dados pessoais, o novo sistema incorpora padrões de segurança de identificação eletrônica do cliente bancário desenvolvidos nos serviços de internet banking utilizados pelos bancos.

O acesso aos dados por meio da internet também auxilia no gerenciamento das finanças pessoais, contribuindo para melhoria na qualidade do crédito concedido pelas instituições financeiras, por meio do aprimoramento do processo de análise cadastral, diz o BC em seu comunicado.

Para usar o sistema, o cliente deve usar o internet banking e seguir os seguintes passos:

1) Acessar a página do Registrato no endereço eletrônico do BC, selecionar a opção “Clientes bancários que fazem uso de internet banking” e clicar no link “1 – Obter a frase de segurança”.

2) Inserir o CPF, o nome de um banco com o qual tenha relacionamento (internet banking), a data de nascimento e o nome da mãe. Feito isso, o sistema irá fornecer uma frase de segurança.

3) Validar a frase de segurança, fornecida pelo sistema, no internet banking do banco indicado no momento do acesso. Para isso, será necessário clicar no ícone com o logotipo do BC em local de fácil acesso no internet banking do banco.

4) Acessar novamente o endereço eletrônico do Banco Central, voltar à página do Registrato e clicar em “3 – Cadastrar”. Será necessário inserir o CPF, o nome da instituição financeira que validou a frase de segurança e o e-mail. Feito isso, o cadastro estará concluído e o sistema informará uma senha provisória para acesso aos relatórios.

5) Trocar a senha provisória, acessando novamente a página do Registrato no endereço eletrônico do BC e clicando em “Acessar o Registrato”.

Quem já possui cadastro no Banco Central podem acessar o sistema diretamente, bastando informar seu Usuário Sisbacen e senha. Para isso, devem clicar em “Já possuo cadastro” na página do Registrato.

Reclamações mais fáceis

O Banco Central publicou também a Circular 3.729, aperfeiçoando as regras para o registro e o tratamento de reclamações contra instituições financeiras, em substituição àquelas previstas na Circular nº 3.289, de 2005.

A medida vai promover a melhoria da qualidade das respostas oferecidas pelas instituições financeiras aos reclamantes e ao Banco Central, favorecendo as ações de supervisão de conduta, de regulação e de educação financeira a partir das reclamações registradas.

As principais mudanças anunciadas pelo BC são:

1. inserção das instituições de pagamento autorizadas a funcionar no rol das entidades passíveis de serem objeto de registro de demandas do cidadão no Banco Central;

2. obrigatoriedade de que a resposta oferecida pela instituição seja completa, fazendo referência a todas as ocorrências abordadas no registro;

3. nova nomenclatura para os registros de reclamação que passarão a ser chamados de ‘regulado’ – quando o fato registrado se relacionar com lei ou regulamentação cuja competência de supervisão seja do Banco Central – e “não regulado” – nos demais casos.

4. necessidade de carta registrada quando a resposta encaminhada pela instituição reclamada ocorrer por meio de correspondência;

5. possibilidade de prorrogação do período de resposta de reclamação pela instituição uma única vez, por prazo máximo igual ao inicialmente estabelecido no registro, desde que seja comprovado que o interessado foi informado sobre os motivos do pedido, “excetuando-se instituições submetidas a regimes especiais, bem como para situações excepcionais, tais como greve, enchente ou problema no sistema da instituição”.

Reclamações quanto aos serviços e produtos oferecidos pelas instituições que integram o Sistema Financeiro Nacional podem ser registradas no Banco Central por meio formulário “Fale conosco”, disponível no site do Banco Central na internet.

A nova regulamentação entra em vigor em 2 de janeiro do ano que vem.

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