Tarifa de Emissão do Carnê (TEC)
Autor: André Luis Pianca | Publicado: 2016-12-06T15:24:00-02:00

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A Tarifa
de Emissão do Carnê (TEC)?

A Tarifa de Emissão do Carnê (TEC), como o próprio
nome diz, é uma taxa cobrada por lâmina emitida — boleto ou folha do carnê, por
exemplo — e seu custo varia entre 1 e 10 reais, dependendo do banco e da
negociação. Assim, se o parcelamento do cliente é em 10 parcelas, a 5 reais
cada, tem-se, no total, 50 reais extras somente com o pagamento dessa tarifa.



O repasse dessa tarifa ao cliente
é legal?

Desde abril de 2009, o Banco Central proíbe a
cobrança da TEC pelas instituições financeiras, porque muitas ainda praticavam
esse repasse mesmo com a resolução do Código de Defesa do Consumidor (CDC) que
retirava a obrigatoriedade de seu pagamento pelos consumidores.

Em São Paulo, por exemplo, uma lei estadual foi
sancionada proibindo de vez o repasse dessa tarifa aos consumidores. Essa
medida ocorreu para instituir um órgão fiscalizador que acompanhasse a questão
mais de perto — neste caso, a instituição escolhida foi a Fundação Procon de
São Paulo.



Há penalidades para quem
descumpre a lei?

O ressarcimento ao consumidor é
uma das menores preocupações que se deve ter, já que o descumprimento da
legislação pode acarretar em denúncias e até mesmo em aplicação de multas
contra a empresa.

Além do ressarcimento ao cliente lesado, as
empresas que infringem o CDC, a lei federal, estadual ou mesmo o Código Civil —
que indica que a única obrigação de um devedor é a quitação da dívida,
excluindo, assim, cobranças relativas aos tipos de pagamento, que deve ser de
custeio exclusivo do credor —, podem ser penalizadas com multas que vão desde
200 a 3 milhões de reais!

As denúncias podem ser feitas juntamente ao Banco
Central, gerando implicações extras à empresa. Além disso, o consumidor também
pode, muito facilmente, recorrer aos órgãos de defesa do consumidor e, em
última instância, até mesmo a algum juizado especial cível.

Agora que você já sabe que não é permitido repassar
a cobrança dessas taxas ao seu consumidor, o melhor a fazer é rever a
precificação de seus produtos ou serviços, já considerando esse valor no custo
da operação. Dessa forma, você evita problemas futuros para o seu negócio.