Abstract
In the last ten years, the financial services market in Brazil has changed dramatically. 2 There has been a substantial growth in credit card, electronic banking card, telephone and Internet home banking schemes. Also, the Brazilian government has deregulated the financial market, leading to an increase in the competition of financial institutions, and, consumer protection has finally been regulated by contracts (including financial products and services). In the 1990s the globalization, the openness of MERCOSUR countries and the advances in electronic communication produced large changes in the Brazilian financial and consumer credit market. All this created an interesting diversity and openness to large (and foreign) banking corporations, but also a very hard situation for low income
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