{"id":7551,"date":"2024-07-16T14:51:23","date_gmt":"2024-07-16T14:51:23","guid":{"rendered":"https:\/\/www.mluis.adv.br\/?p=7551"},"modified":"2024-07-16T14:51:23","modified_gmt":"2024-07-16T14:51:23","slug":"lei-14-905-2024-alteracoes-no-codigo-civil-padronizam-correcao-monetaria-e-juros","status":"publish","type":"post","link":"https:\/\/www.mluis.adv.br\/en\/lei-14-905-2024-alteracoes-no-codigo-civil-padronizam-correcao-monetaria-e-juros\/","title":{"rendered":"Lei 14.905\/2024: Altera\u00e7\u00f5es no C\u00f3digo Civil Padronizam Corre\u00e7\u00e3o Monet\u00e1ria e Juros"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;--awb-margin-bottom:0px;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">Foi sancionada a <\/span><b>Lei 14.905\/2024<\/b><span style=\"font-weight: 400;\">, que altera o C\u00f3digo Civil para uniformizar as regras de atualiza\u00e7\u00e3o monet\u00e1ria e juros em contratos e decis\u00f5es judiciais quando n\u00e3o especificados anteriormente., al\u00e9m de afastar a aplica\u00e7\u00e3o do Decreto n\u00ba 22.626\/1933, conhecido como\u00a0Lei da Usura, sobre determinadas obriga\u00e7\u00f5es. A medida \u00e9 vista pelo Minist\u00e9rio da Fazenda como crucial para reduzir lit\u00edgios na cobran\u00e7a de d\u00edvidas e ampliar as op\u00e7\u00f5es de empr\u00e9stimos para empresas fora do sistema banc\u00e1rio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Com a nova Lei, as principais mudan\u00e7as observadas s\u00e3o as seguintes:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Corre\u00e7\u00e3o Monet\u00e1ria:<\/b><span style=\"font-weight: 400;\">\u00a0A nova lei estabelece que a corre\u00e7\u00e3o monet\u00e1ria ser\u00e1 feita com base no\u00a0\u00cdndice de Pre\u00e7os ao Consumidor Amplo (IPCA). Isso proporciona maior previsibilidade e transpar\u00eancia nas atualiza\u00e7\u00f5es financeiras.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Taxa de Juros:<\/b><span style=\"font-weight: 400;\">\u00a0A taxa de juros aplicada ser\u00e1 a Taxa <\/span><b>Selic<\/b><span style=\"font-weight: 400;\">, com a dedu\u00e7\u00e3o do \u00edndice de atualiza\u00e7\u00e3o monet\u00e1ria. Isso simplifica o c\u00e1lculo e evita diverg\u00eancias.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inexecu\u00e7\u00e3o Contratual:<\/b><span style=\"font-weight: 400;\">\u00a0Em casos de inexecu\u00e7\u00e3o contratual, as partes ter\u00e3o direito a reter ou exigir a devolu\u00e7\u00e3o das arras (sinal) com a devida atualiza\u00e7\u00e3o monet\u00e1ria, juros e honor\u00e1rios advocat\u00edcios.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Limite de Juros:<\/b><span style=\"font-weight: 400;\">\u00a0A lei elimina o limite de juros anteriormente estabelecido para empr\u00e9stimos entre companhias, facilitando opera\u00e7\u00f5es de cr\u00e9dito fora do sistema banc\u00e1rio tradicional.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Metodologia de C\u00e1lculo:<\/b><span style=\"font-weight: 400;\">\u00a0O Conselho Monet\u00e1rio Nacional (CMN) definir\u00e1 a metodologia de c\u00e1lculo da taxa legal, que ser\u00e1 divulgada pelo Banco Central do Brasil (BACEN).<\/span><b>\u00a0<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Entrada em Vigor:<\/b><span style=\"font-weight: 400;\">\u00a0As novas regras entram em vigor 60 dias ap\u00f3s a san\u00e7\u00e3o.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Ademais, a Lei 14.905\/2024 elencou expressamente em seu texto que a Lei de Usura n\u00e3o ser\u00e1 aplicada \u00e0s obriga\u00e7\u00f5es:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contratadas entre pessoas jur\u00eddicas;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Representadas por t\u00edtulos de cr\u00e9dito ou valores mobili\u00e1rios;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Contra\u00eddas perante:<\/span>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Institui\u00e7\u00f5es financeiras e demais institui\u00e7\u00f5es autorizadas a funcionar pelo Banco Central do Brasil;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Fundos ou clubes de investimento;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Sociedades de arrendamento mercantil e empresas simples de cr\u00e9dito;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"2\"><span style=\"font-weight: 400;\">Organiza\u00e7\u00f5es da sociedade civil de interesse p\u00fablico que se dedicam \u00e0 concess\u00e3o de cr\u00e9dito, conforme Lei n\u00ba 9.790\/1999; ou<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Realizadas nos mercados financeiro, de capitais ou de valores mobili\u00e1rios.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Essas mudan\u00e7as representam um marco significativo na moderniza\u00e7\u00e3o do sistema financeiro brasileiro, trazendo maior clareza e efici\u00eancia para as opera\u00e7\u00f5es de cr\u00e9dito e a resolu\u00e7\u00e3o de lit\u00edgios relacionados a d\u00edvidas. Com a uniformiza\u00e7\u00e3o das regras de atualiza\u00e7\u00e3o monet\u00e1ria e juros, bem como a exclus\u00e3o da aplica\u00e7\u00e3o da Lei da Usura em determinadas obriga\u00e7\u00f5es, cria-se um ambiente mais prop\u00edcio ao desenvolvimento econ\u00f4mico, incentivando investimentos e oferecendo \u00e0s empresas maior flexibilidade no acesso ao cr\u00e9dito.<\/span><\/p>\n<p>Por:<\/p>\n<p><a href=\"https:\/\/www.mluis.adv.br\/en\/nossa-equipe\/gustavo-henrique-torres-rocha\/\">Gustavo Henrique Torres Rocha<\/a> &#8211; Advogado<\/p>\n<p><span class=\"TextRun SCXW240057621 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW240057621 BCX0\">Caio Oliveira<\/span><\/span><span class=\"EOP SCXW240057621 BCX0\" data-ccp-props=\"{\"> &#8211; <span class=\"TextRun SCXW240057621 BCX0\" lang=\"PT-BR\" xml:lang=\"PT-BR\" data-contrast=\"auto\"><span class=\"NormalTextRun SCXW240057621 BCX0\">Estagi\u00e1rio<\/span><\/span><\/span><\/p>\n<\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"margin-left: auto;margin-right: auto;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:#e0dede;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-sep-clear\"><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-equal-height-columns\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;\" ><div class=\"fusion-builder-row fusion-row\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\" style=\"--awb-bg-size:cover;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-builder-row fusion-builder-row-inner fusion-row\"><div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_5_6 5_6 fusion-five-sixth fusion-column-first\" style=\"--awb-bg-size:cover;width:83.333333333333%;width:calc(83.333333333333% - ( ( 4% ) * 0.83333333333333 ) );margin-right: 4%;\"><div class=\"fusion-column-wrapper fusion-flex-column-wrapper-legacy\"><div class=\"fusion-column-content-centered\"><div class=\"fusion-column-content\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-bottom:5px;\"><h3 class=\"title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:18;--minFontSize:18;line-height:1.5;\"><h2><strong>Mais informa\u00e7\u00f5es<\/strong><\/h2><\/h3><\/div><div class=\"fusion-text fusion-text-2\"><p><a href=\"http:\/\/www.mluis.adv.br\/en\/areas-de-atuacao\/direito-empresarial\/\"><b><span data-contrast=\"auto\">Empresarial, contratos e arbitragem:<\/span><\/b><\/a><span data-contrast=\"auto\">\u00a0<a href=\"http:\/\/www.mluis.adv.br\/en\/nossa-equipe\/daniel-tavela-luis\/\">Daniel Tavela Lu\u00eds<\/a> (<a href=\"mailto:daniel@mluis.adv.br\">daniel@mluis.adv.br<\/a>)\u00a0<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><p><a href=\"http:\/\/www.mluis.adv.br\/en\/areas-de-atuacao\/direito-tributario\/\"><b><span data-contrast=\"auto\">Tribut\u00e1rio e contencioso:<\/span><\/b><\/a><span data-contrast=\"auto\">\u00a0<a href=\"http:\/\/www.mluis.adv.br\/en\/nossa-equipe\/victor-nobrega-luccas\/\">Victor N\u00f3brega Luccas<\/a> (<\/span><a href=\"mailto:victor@mluis.adv.br\"><span data-contrast=\"none\">victor@mluis.adv.br<\/span><\/a><span data-contrast=\"auto\">)\u00a0\u00a0<\/span><span data-ccp-props=\"{\" data-wac-het=\"1\">\u00a0<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-4\"><h3>Se preferir, v\u00e1 at\u00e9 a p\u00e1gina <a href=\"http:\/\/www.mluis.adv.br\/en\/contato\/\"><strong><em>contato<\/em><\/strong><\/a> e fale conosco.<\/h3>\n<\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15],"tags":[],"class_list":["post-7551","post","type-post","status-publish","format-standard","hentry","category-civel"],"_links":{"self":[{"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/posts\/7551","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/comments?post=7551"}],"version-history":[{"count":1,"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/posts\/7551\/revisions"}],"predecessor-version":[{"id":7552,"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/posts\/7551\/revisions\/7552"}],"wp:attachment":[{"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/media?parent=7551"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/categories?post=7551"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mluis.adv.br\/en\/wp-json\/wp\/v2\/tags?post=7551"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}