March 15, 1962 John F. Kennedy

To the Congress of the United States:

Consumers, by definition, include us all. They are the largest economic group in the economy, affecting and affected by almost every public and private economic decision. Two-thirds of all spending in the economy is by consumers. But they are the only. important group in the economy who are not effectively organized, whose views are often not heard.

The federal Government–by nature the highest spokesman for all the people–has a special obligation to be alert to the consumer’s needs and to advance the consumer’s interests. Ever since legislation was enacted in 1872 to protect the consumer from frauds involving use of the U.S. mail, the Congress and Executive Branch have been increasingly aware of their responsibility to make certain that our Nation’s economy fairly and adequately serves consumers’ interests.

In the main, it has served them extremely well. Each succeeding generation has enjoyed both higher income and a greater variety of goods and services. As a result our standard of living is the highest in the world–and, in less than 20 years, it should rise an additional 50 percent.

Fortunate as we are, we nevertheless cannot afford waste in consumption any more than we can afford inefficiency in business or Government. If consumers are offered inferior products, if prices are exorbitant, if drugs are unsafe or worthless, if the consumer is unable to choose on an informed basis, then his dollar is wasted, his health and safety may be threatened, and the national interest suffers. On the other hand, increased efforts to make the best possible use of their incomes can contribute more to the well-being of most families than equivalent efforts to raise their incomes.

The march of technology–affecting, for example, the foods we eat, the medicines we take, and the many appliances we use in our homes–has increased the difficulties of the consumer along with his opportunities; and it has outmoded many of the old laws and regulations and made new legislation necessary. The typical supermarket before World War II stocked about 1,500 separate food items–an impressive figure by any standard. But today it carries over 6,000. Ninety percent of the prescriptions written today are for drugs that were unknown 20 years ago. Many of the new products used every day in the home are highly complex. The housewife is called upon to be an amateur electrician, mechanic, chemist, toxicologist, dietitian, and mathematician–but she is rarely furnished the information she needs to perform these tasks proficiently.

Marketing is increasingly impersonal. Consumer choice is influenced by mass advertising utilizing highly developed arts of persuasion. The consumer typically cannot know whether drug preparations meet minimum standards of safety, quality, and efficacy. He usually does not know how much he pays for consumer credit; whether one prepared food has more nutritional value than another; whether the performance of a product will in fact meet his needs; or whether the “large economy size” is really a bargain.

Nearly all of the programs offered by this Administration–e.g., the expansion of world trade, the improvement of medical care, the reduction of passenger taxes, the strengthening of mass transit, the development of conservation and recreation areas and low-cost power–are of direct or inherent importance to consumers. Additional legislative and administrative action is required, however, if the federal Government is to meet its responsibility to consumers in the exercise of their rights. These rights include:

(1) The right to safety–to be protected against the marketing of goods which are hazardous to health or life.

(2) The right to be informed–to be protected against fraudulent, deceitful, or grossly misleading information, advertising, labeling, or other practices, and to be given the facts he needs to make an informed choice.

(3) The right to choose–to be assured, wherever possible, access to a variety of products and services at competitive prices; and in those industries in which competition is not workable and Government regulation is substituted, an assurance of satisfactory quality and service at fair prices.

(4) The right to be heard–to be assured that consumer interests will receive full and sympathetic consideration in the formulation of Government policy, and fair and expeditious treatment in its administrative tribunals.

To promote the fuller realization of these consumer rights, it is necessary that existing Government programs be strengthened, that Government organization be improved, and, in certain areas, that new legislation be enacted.

I. STRENGTHENING Of EXISTING PROGRAMS

This Administration has sponsored a wide range of specific actions to strengthen existing programs. Major progress has already been achieved or is in prospect in several important areas. And the 1963 budget includes recommendations to improve the effectiveness of almost every major program of consumer protection.

(1) Food and drug protection. Thousands of common household items now available to consumers contain potentially harmful substances. Hundreds of new uses for such products as food additives, food colorings and pesticides are found every year, adding new potential hazards. To provide better protection and law enforcement in this vital area, I have recommended a 2 percent increase in staff for the food and Drug Administration in the budget now pending before the Congress, the largest single increase in the agency’s history. In addition, to assure more effective registration of pesticides, a new division has been established in the Department of Agriculture; and increased appropriations have been requested for pesticide regulation and for meat and poultry inspection activities.

(2) Safer transportation. As Americans make more use of highway and air transportation than any other nation, increased speed and congestion have required us to take special safety measures.

–The federal Aviation Agency has reexamined the Nation’s air traffic control requirements and is designing an improved system to enhance the safety and efficiency of future air traffic.

–The Secretary of Commerce has established an Office of Highway Safety it. the Bureau of Public Roads to promote public support of highway safety standards, coordinate use of highway safety research findings and encourage cooperation of State and local governments, industry, and allied groups–the Department of Health, Education, and Welfare is likewise strengthening its accident prevention work–and the Interstate Commerce Commission is strengthening its enforcement of safety requirements for motor carriers.

–In addition, I am requesting the Departments of Commerce and of Health, Education, and Welfare, to review, with representatives of the automobile industry, those changes in automobile design and equipment which will help reduce the unconscionable toll of human life on the highways and the pollution of the air we breathe. Additional legislation does not appear required at this time in view of the automobile industry’s action to incorporate in the new model design changes which will reduce air pollution.

(3) Financial protection. Important steps are being taken to help assure more adequate protection for the savings that prudent consumers lay aside for the future purchase of costly items, for the rainy day, for their children’s education, or to meet their retirement needs.

–Legislation enacted last year has strengthened the insurance program of the federal Savings and Loan Insurance Corporation.

–The Securities and Exchange Commission has undertaken at the request of the Congress a major investigation of the securities market which should provide the basis for later legislation and administrative measures.

–The Postmaster General and the Department of Justice have stepped up enforcement of the mail fraud statutes. Arrests for mail fraud last year set an all-time record; and convictions increased by 35 percent over the previous year.

(4) More effective regulation. The independent regulatory agencies also report increased emphasis on programs directly helpful to consumers.

–The Interstate Commerce Commission has instituted proceedings designed to prevent excessive charges for moving household goods in interstate commerce.

–The Civil Aeronautics Board has recently taken action to protect air travelers from abuses of overbooking.

–The federal Trade Commission has intensified its actions against deceptive trade practices and false advertising affecting a variety of goods, including refrigerators, house paint, sewing machines, vacuum cleaners, kitchen utensils, food wrapping, and carpets.

–The federal Power Commission is initiating a vigorous program to assure consumers of reasonable natural gas prices while assuring them of adequate supplies–revitalizing all of its regulatory programs in the electric power field–and undertaking a national power survey designed to identify ways of bringing down power costs in the decades ahead by making the best possible use of our capital and energy resources; and I recommend that the Congress enact legislation and make available funds to enable the Commission to provide for 34 million natural gas consumers the information similar to that now provided electrical consumers on typical bills in various areas, thus spotlighting abnormally high rates and stimulating better industry performance.

–The federal Communications Commission is actively reviewing the television network program selection process and encouraging the expanded development of educational television stations; and it will also step up in fiscal year 1963 its enforcement program to prevent interference with air navigation signals, distress calls, and other uses of radio important to public safety.

–For all of the major regulatory agencies, I am recommending increased appropriations for 1963 to provide the increased staff necessary for more effective protection of the consumer and public interest.

–Of the important changes in agency organizational procedure recommended last year to eliminate delays and strengthen decision-making, the great majority have been authorized by reorganization plans or legislation and are being put into practice by agency heads; and, to permit similar improvements in the operations of the Securities and Exchange Commission and the federal Power Commission through greater delegation of assignments, I recommend enactment this year of legislation along the lines of S. 2135 for the SEC and S. 1605 and H.R. 6956 for the FPC.

(5) Housing costs and quality. The largest purchase most consumers make in their lifetime is a home. In the past year, significant steps have been taken to reduce the cost of financing housing and to improve housing quality. The level of interest rates and other charges on mortgage loans has been reduced by a variety of federal actions. Under authority provided by the Housing Act of 1961, new programs have been started (a) to encourage experimental construction methods likely to develop better housing at lower cost, (b) to provide lower interest rates and longer maturities on loans for rehabilitation of existing housing, (c) to provide especially low cost rental housing for moderate income families, and (d) to provide housing for domestic farm labor. The same legislation also authorized demonstration grants to develop better methods of providing housing for low income families.

(6) Consumer information and research-and consumer representation in Government. Government can help consumers to help themselves by developing and making available reliable information.

–The Housing and Home finance Agency will undertake, under the budget proposed for fiscal 1963, new studies to discover ways of reducing monthly housing expenses, lowering the cost of land for home building, and minimizing financing charges.

–The Department of Agriculture is undertaking similar research designed to help raise rural housing standards and reduce costs,

–The food and Drug Administration will expand its Consumer Consultant Program which, together with the home demonstration program of the Agriculture Extension Service, now provides valuable information directly to consumers on product trends, food standards and protection guides.

–The Bureau of Labor Statistics is now conducting a nation-wide survey of consumer expenditures, income, and savings, which will be used to update the widely-used Consumer Price Index and to prepare model family budgets.

–Too little has been done to make available to consumers the results of pertinent government research. In addition to the types of studies mentioned above, many agencies are engaged–as aids to those principally concerned with their activities, in cooperation with industry or for federal procurement purposes–in testing the performance of certain products, developing standards and specifications and assembling a wide range of related information which would be of immense use to consumers and consumer organizations. The beneficial results of these efforts–in the Departments of Agriculture, Commerce, Defense, and Health, Education, and Welfare, and in the General Services Administration and other agencies–should be more widely published. This is but one part of a wider problem: the failure of governmental machinery to assure specific consideration of the consumer’s needs and point of view. With this in mind, I am directing:

–first, that the Council of Economic Advisers create a Consumers’ Advisory Council, to examine and provide advice to the government on issues of broad economic policy, on governmental programs protecting consumer needs, and on needed improvements in the flow of consumer research material to the public; this Consumers’ Council will also give interested individuals and organizations a voice in these matters;

–Second, that the head of each federal agency whose activities bear significantly on consumer welfare designate a special assistant in his office to advise and assist him in assuring adequate and effective attention to consumer interests in the work of the agency, to act as liaison with consumer and related organizations, and to place increased emphasis on preparing and making available pertinent research findings for consumers in clear and useable form; and

–Third, that the Postmaster General undertake a pilot program by displaying, in at least 100 selected post offices, samples of publications useful to consumers and by providing facilities for the easier purchase of such publications.

II. NEW LEGISLATIVE AUTHORITY FOR ADDED CONSUMER PROTECTION

In addition to the foregoing measures, new legislative authority is also essential to advance and protect the consumer interest.

(A) Strengthen regulatory authority over foods and drugs

The successful development of more than 9,000 new drugs in the last 25 years has saved countless lives and relieved millions of victims of acute and chronic illnesses. However, new drugs are being placed on the market with no requirement that there be either advance proof that they will be effective in treating the diseases and conditions for which they are recommended or the prompt reporting of adverse reactions. These new drugs present greater hazards as well as greater potential benefits than ever before-for they are widely used, they are often very potent, and they are promoted by aggressive sales campaigns that may tend to overstate their merits and fail to indicate the risks involved in their use. For example, over 20 percent of the new drugs listed since 1956 in the publication New and Non-Official Drugs were found, upon being tested, to be incapable of sustaining one or more of their sponsor’s claims regarding their therapeutic effect. There is no way of measuring the needless suffering, the money innocently squandered, and the protraction of illnesses resulting from the use of such ineffective drugs.

The physician and consumer should have the assurance, from an impartial scientific source, that any drug or therapeutic device on the market today is safe and effective for its intended use; that it has the strength and quality represented; and that the accompanying promotional material tells the full story–its bad effects as well as its good. They should be able to identify the drug by a simple, common name in order to avoid confusion and to enable the purchaser to buy the quality drugs he actually needs at the lowest competitive price.

Existing law gives no such assurance to the consumer–a fact highlighted by the thoroughgoing investigation led by Senator Kefauver. It is time to give American men, women and children the same protection we have been giving hogs, sheep and cattle since 1913, under an act forbidding the marketing of worthless serums and other drugs for the treatment of these animals.

There are other problems to meet in this area:

–An extensive underground traffic exists in habit-forming barbiturates (sedatives) and amphetamines (stimulants). Because of inadequate supervision over distribution, these drugs are contributing to accidents, to juvenile delinquency and to crime.

–Two billion dollars worth of cosmetics are marketed yearly, many without adequate safety testing. Thousands of women have suffered burns and other injuries to the eyes, skin and hair by untested or inadequately tested beauty aids.

–Factory inspections now authorized by the pure food and drug laws are seriously hampered by the fact that the law does not clearly require the manufacturer to allow inspection of certain records. An uncooperative small minority of manufacturers can engage in a game of hide-and-seek with the Government in order to avoid adequate inspection. But protection of the public health is not a game. It is of vital importance to each and every citizen.

–A fifth of all the meat slaughtered in the United States is not now inspected by the Department of Agriculture, because the coverage of the Meat Inspection Act is restricted to meat products moving across state lines. This incomplete coverage contributes to the diversion of unhealthy animals to processing channels where the products are uninspected and can, therefore, be a threat to human health.

In short, existing laws in the food, drug, and cosmetic area are inadequate to assure the necessary protection the American consumer deserves. To overcome these serious statutory gaps, I recommend:

(1) first, legislation to strengthen and broaden existing laws in the food and drug field to provide consumers with better, safer, and less expensive drugs, by authorizing the Department of Health, Education, and Welfare to:

(a) Require a showing that new drugs and therapeutic devices are effective for their intended use–as wall as safe–before they are placed on the market;

(b) Withdraw approval of any such drug or device when there is substantial doubt as to its safety or efficacy, and require manufacturers to report any information bearing on its safety or efficacy;

(c) Require drug and therapeutic device manufacturers to maintain facilities and controls that will assure the reliability of their product;

(d) Require batch-by-batch testing and certification of all antibiotics;

(e) Assign simple common names to drugs;

(f) Establish an enforceable system of preventing the illicit distribution of habit-forming barbiturates and amphetamines;

(g) Require cosmetics to be tested and proved safe before they are marketed; and

(h) Institute more effective inspection to determine whether food, drug, cosmetics, and therapeutic devices are being manufactured and marketed in accordance with the law;

(2) Second, legislation to authorize the federal Trade Commission to require that advertising of prescription drugs directed to physicians disclose the ingredients, the efficacy, and the adverse effects of such drugs; and

(3) Third, legislation to broaden the coverage of the Meat Inspection Act administered by the Department of Agriculture, to promote adequate inspection–in cooperation with the States and industry–of all meat slaughtered in the United States.

(B) Require “truth in lending”

Consumer debt outstanding, including mortgage credit, has almost tripled in the last decade and now totals well over $200 billion. Its widespread availability has given consumers more flexibility in the timing of their purchases. But, in many instances, serious abuses have occurred. Under the chairmanship of Senator Douglas, a subcommittee of the Senate Banking and Currency Committee has been conducting a detailed examination of such abuses. The testimony received shows a clear need for protection of consumers against charges of interest rates and fees far higher than apparent without any real knowledge on the part of the borrowers of the true amounts they are being charged. Purchasers of used cars in one study, for example, paid interest charges averaging 25 percent a year, and ranging well above this; yet very few were aware of how much they were actually paying for credit.

Excessive and untimely use of credit arising out of ignorance of its true cost is harmful both to the stability of the economy and to the welfare of the public. Legislation should therefore be enacted requiring lenders and vendors to disclose to borrowers in advance the actual amounts and rates which they will be paying for credit. Such legislation, similar in this sense to the “Truth-in-Securities” laws of 1933-34, would not control prices or charges. But it would require full disclosure to installment buyers and other prospective credit users, and thus permit consumers to make informed decisions before signing on the dotted line. Inasmuch as the specific credit practices which such a bill would be designed to correct are closely related to and often combined with other types of misleading trade practices which the federal Trade Commission is already regulating, I recommend that enforcement of the new authority be assigned to the Commission. The Government agencies most concerned in this area have been cooperating with the subcommittee in developing the information necessary to prepare a workable and effective bill; and in view of the exhaustive hearings already held, I hope that the Congress can complete action on this important matter before it adjourns.

(C) Manufacture of all-channel television sets

Five out of six home television receivers today are equipped to receive programs on only the 12 very-high frequency (VHF) channels. As a result, in most areas, stations desiring to operate on any of the 70 ultra-high frequency (UHF) channels would usually have such small audiences that there is little incentive to make the substantial initial investment and continuing expenditures that effective broadcasting requires. The result is a sharply restricted choice for consumers.

After extensive study, the federal Communications Commission has concluded that an effective and genuinely competitive nationwide television service, with adequate provision for local outlets and educational stations, is not possible within the narrow confines of 12 VHF channels. Legislation now before the Congress would authorize the Commission to prescribe the performance characteristics of all new television receivers shipped in interstate commerce to assure that they can receive both VHF and UHF. signals. I strongly urge its passage as the most economical and practical method of broadening the range of programs available. This step, together with the federal aid for construction of educational television stations which is nearing final passage by the Congress, will speed the full realization of television’s great potential.

(D) Strengthen laws promoting competition and prohibiting monopoly

The most basic and long-standing protections for the right of consumers, to a choice at a competitive price, are the various laws designed to assure effective competition and to prevent monopoly. The Sherman Act of 1890, the Clayton Act of 1914, and many related laws are the strongest shields the consumer possesses against the growth of unchecked monopoly power. In addition to the measure now nearing final passage which would provide subpoena powers for civil as well as criminal antitrust investigations, several other improvements are needed:

(1) The federal Trade Commission should be empowered to issue temporary cease-and-desist orders against the continuance of unfair competitive practices while cases concerned with permanent relief from such practices are pending before the Commission. Under the present law, smaller competitors may be driven into bankruptcy or forced to accept merger on adverse terms long before present remedies become effective, thus reducing the competitive safeguards vital for the consumer. Similarly, deceptive trade practices in consumer goods may do their damage long before the Commission can “lock the barn door.” I, therefore, reiterate my previous recommendation that the Congress give prompt consideration to effective legislation to accomplish this purpose.

(2) The consumer’s right to a reasonable price can also be adversely affected by mergers of two business firms which substantially reduce effective competition. As in the case of unfair methods of competition, damage once done is often irreparable, and the Government, acting through the courts, cannot readily restore the degree of competition existing prior to the merger. Accordingly, I strongly recommend enactment of legislation to require reasonable advance notice to the Department of Justice and to the appropriate Commission or Board of any merger expected to result in a firm of substantial size. This will enable the businessman to obtain advice in advance, without litigation, as to whether a proposed merger would be regarded as contrary to the public interest. In addition, along with the recommended authority for the FTC to issue cease-and-desist orders, it is an essential safeguard against combinations which might cause unwarranted increases in consumer prices.

(3) In view of the potentially anti-competitive abuses to which the use of patents and trademarks are by nature subject, I recommend

–enactment of legislation requiring publication of the terms of all settlement agreements between different persons applying for patent rights on the same invention–for recent hearings have shown that such agreements may include features designed to weaken future competition at the expense of the consumer; and

–enactment of legislation authorizing the FTC to apply for the cancellation of any trademark which is, or becomes, the common descriptive name of an article and thus should be in the public domain. While a competitor has such a right today, it is important-if the FTC is to have clear authority to halt this kind of unfair commercial advantage–that the Senate insert this provision in its review of trademark legislation (H.R. 4333) already approved by the House.

(E) “Truth in packaging”

Just as consumers have the right to know what is in their credit contract, so also do they have the right to know what is in the package they buy. Senator Hart and his subcommittee are to be commended for the important investigation they are now conducting into packaging and labeling practices.

In our modern society good packaging meets many consumer needs, among them convenience, freshness, safety and attractive appearance. But often in recent years, as the hearings have demonstrated, these benefits have been accompanied by practices which frustrate the consumer’s efforts to get the best value for his dollar. In many cases the label seems designed to conceal rather than to reveal the true contents of the package. Sometimes the consumer cannot readily ascertain the net amount of the product, or the ratio of solid contents to air. Frequently he cannot readily compute the comparative costs per unit of different brands packed in odd sizes, or of the same brand in large, giant, king size, or jumbo packages. And he may not realize that changes in the customary size or shape of the package may account for apparent bargains, or that “centsoff” promotions are often not real savings.

Misleading, fraudulent or unhelpful practices such as these are dearly incompatible with the efficient and equitable functioning of our free competitive economy. Under our system, consumers have a right to expect that packages will carry reliable and readily useable information about their contents. And those manufacturers whose products are sold in such packages have a right to expect that their competitors will be required to adhere to the same standards. Upon completion of our own survey of these packaging and labeling abuses, in full cooperation with the Senate Subcommittee, I shall make recommendations as to the appropriate roles of private business and the federal Government in improving packaging standards and achieving more specific disclosure of the quantity and ingredients of the product inside the package in a form convenient to and useable by the consumer.

As all of us are consumers, these actions and proposals in the interest of consumers are in the interest of us all. The budgetary investment required by these programs is very modest–but they can yield rich dividends in strengthening our free competitive economy, our standard of living and health and our traditionally high ethical patterns of business conduct. Fair competition aids both business and consumer.

It is my hope that this Message, and the recommendations and requests it contains, can help alert every agency and branch of government to the needs of our consumers. Their voice is not always as loudly heard in Washington as the voices of smaller and better-organized groups–nor is their point of view always defined and presented. But under our economic as well as our political form of democracy, we share an obligation to protect the common interest in every decision we make. I ask the Congress, and every Department and Agency, to help in the fulfillment of that obligation.

JOHN F. KENNEDY

http://www.presidency.ucsb.edu/ws/index.php?pid=9108

TOP GOLPES 2025 – Comportamentos que evitam fraudes e evitam fraudes e evidências que ajudam o Juiz -  5 de nov. de 2025  Papo de consumidor -  Renato Porto e Flávio Citro

 cards e o link da nossa aula.  https://youtube.com/live/JzSA0mAVM3Y?feature=share

Canal EMERJ EVENTOS no YouTube, através do link: www.youtube.com/user/EMERJeventos/live.

Betano, KAIZEN, PIXBET Betão, H2bet, Bodog, EstrelaBet, NetBet, Bet365, Betano, Stake, Superbet, KTO, Novibet, Betboo, Mr Jack.Bet, Betfair, Sportingbet, Segurobet, F12.Bet, SeuBet, EsportivaBet, VBet. As plataformas de apostas esportivas de quota fixa autorizadas a operar legalmente no Brasil se avolumam: são cerca de 163 plataformas autorizadas 18 % delas tem licença definitiva — as demais operam com licença provisória enquanto finalizam pendências administrativas, aquelas que receberam licença da Secretaria de Prêmios e Apostas (SPA), do Ministério da Fazenda, conforme previsto nas Leis nº 13.756/2018 e nº 14.790/2023, e que atendem às regras específicas (CNPJ no Brasil, sócio brasileiro, domínio “.bet.br”, etc.) https://consumidor.gov.br/pages/principal/empresas-participantes#collapse12

RADAR
Por Robson Bonin

Por que o governo impôs o cadastro obrigatório de bets no Consumidor.gov

EstrelaBet afirma que já mantinha canal com clientes na plataforma do governo desde antes de a medida se tornar requisito.

A Secretaria Nacional do Consumidor (Senacon), do Ministério da Justiça e Segurança Pública, e a Secretaria de Prêmios e Apostas (SPA), do Ministério da Fazenda, anunciaram que todas as casas de apostas on-line devem estar cadastradas na plataforma Consumidor.gov.br para atuar no Brasil.

O governo federal avalia o cadastro obrigatório das empresas como um “passo fundamental” para assegurar que os direitos dos apostadores sejam respeitados, com a criação de um canal direto e eficiente para registrar e acompanhar as reclamações.

Com a adesão das bets à plataforma, os órgãos do Sistema Nacional de Defesa do Consumidor poderão acompanhar as reclamações e buscar garantir maior segurança e confiabilidade ao setor.

A diretora executiva de Operações da Ana Gaming, Talita Lacerda, afirma que as marcas da holding estão “atentas em cuidar e zelar pelo cliente, e não apenas por essas obrigatoriedades, mas principalmente por ser uma filosofia do nosso trabalho de construção e responsabilidade social”.

A EstrelaBet se antecipou à nova portaria e está cadastrada na plataforma de direito do consumidor do governo dessde o início de março de 2025.

“Trabalhamos para que o Consumidor.gov seja um canal complementar, para situações excepcionais. Hoje, a maioria absoluta das demandas é resolvida por nossos próprios

canais, inclusive com alto índice de assertividade por meio de chatbot e inteligência artificial, além do atendimento humano”, afirma a head de Customer Experience (CX) da EstrelaBet, Lorena Lima.

https://veja.abril.com.br/coluna/radar/por-que-o-governo-impos-o-cadastro-obrigatorio-de-bets-no-consumidor-gov/

Abril teve maior número de passageiros afetados por cancelamentos de voos no ano

Companhias aéreas transportaram 7,3 mil passageiros em abril, menor volume registrado em 2025 (Renato S. Cerqueira/Ato Press/Agência O Globo/.)

1 em cada 25 passageiros foi afetado por cancelamentos no mês ante, o equivalente a 285,8 mil pessoas

Abril foi o mês com a maior proporção e volume de passageiros afetados por cancelamentos de voos em 2025, aponta levantamento da AirHelp, empresa de tecnologia de viagens que auxilia passageiros em i

interrupções de voos. Nesse período, um em cada 25 passageiros foi afetado por cancelamentos, superando um em cada 32 passageiros afetados em fevereiro. Em números absolutos, 285,8 mil passageiros

foram afetados por cancelamentos no Brasil em abril deste ano.

Quanto ao volume total de pessoas que viajaram no mês, foram transportados 7,2 milhões de passageiros no Brasil, de acordo com a pesquisa.

O resultado representa o menor volume registrado em 2025, o que agrava o cenário de cancelamentos de voos em abril.

Compensação do passageiro

Este tipo de ocorrência, quando não provocada por questões meteorológicas ou de força maior, pode originar pedidos de indenização às companhias aéreas. Para reivindicar uma indenização, a AirHelp informa que os passageiros devem verificar se o atraso ou cancelamento realmente causou situações de sofrimento, estresse ou lesão ao usuário. Alguns exemplos são: faltar a uma consulta médica, cancelamento de contrato, demissão ou afastamento de um acontecimento de grande relevância emocional.

Para Luciano Barreto, diretor-geral da Airhelp no Brasil, as leis que protegem os passageiros aéreos são muito vagas quando se tratam de critérios de compensação, e interpretá-las corretamente pode ser um desafio para um indivíduo sem conhecimento especializado. “Entre os principais motivos pelos quais os passageiros brasileiros não reivindicam seus direitos em caso de problemas de voo, podemos encontrar a falta de conhecimento sobre como fazer uma reclamação, mas também falta de consciência sobre essas leis”, afirma.

Quem voa no Brasil está amparado pelo Código de Defesa do Consumidor e pela legislação da Agência Nacional de Aviação Civil (ANAC). Essas leis definem claramente as responsabilidades que companhias aéreas possuem com seus passageiros sempre que houver problemas de voo, desde que a viagem atenda os seguintes quatro critérios:

O voo pousou ou decolou em um aeroporto brasileiro
O voo foi cancelado com aviso tardio (com mais de 3 horas de atraso ou com superlotação)
Os passageiros não foram atendidos adequadamente pela compa…
O problema ocorreu nos últimos 5 anos

Por Leticia Yamakami

https://veja.abril.com.br/economia/abril-teve-maior-numero-de-passageiros-afetados-por-cancelamentos-de-voos-no-ano/#google_vignette

Na última década, por volta de 2015-2020, os serviços “Compre Agora, Pague Depois” transformaram a forma como os consumidores acedem ao crédito. O conceito de pagamento parcelado transformou-se nos EUA no último século. Plataformas como a Affirm (2012), Klarna (2015), Afterpay (2018) e PayPal’s ‘Pay’ (2020) permitiram aos compradores adiar os pagamentos sem cobrança de juros, o que atraiu utilizadores mais jovens, Millennials e Generation Z, que muitas vezes não gostam de dívidas de cartão de crédito, mas querem opções de pagamento fraccionado. No entanto, os reguladores e especialistas manifestaram preocupação com a falta de transparência e dívidas acumuladas que não conseguem pagar, e o sistema BNPL é menos regulamentado do que os cartões de crédito, com menos proteções ao consumidor, com chargebacks pouco claros e menos proteções numa disputa com o comerciante, além de não ajudar a construir pontuação de crédito. Os pagamentos perdidos e as dívidas não pagas podem congelar a conta e enviá-la para uma empresa de cobranças terceirizada ou contratar uma agência de cobrança para cobrar em seu nome utilizando cartas, e-mails, telefonemas ou mensagens de texto e reportar aos gabinetes de crédito, ou apresentar uma ação num tribunal civil para obter uma sentença, penhorar salários ou penhorar contas bancárias.

Com o aumento do escrutínio regulatório do CFPB, os provedores de BNPL devem aderir a padrões mais rigorosos de proteção ao consumidor, incluindo requisitos de resolução de disputas e processamento de reembolsos. Embora as regulamentações visem criar um ecossistema de BNPL mais seguro e responsável.

Mudanças Regulatórias

O Consumer Financial Protection Bureau (CFPB) introduziu novas regulamentações em maio de 2024, aplicando proteções semelhantes às de cartão de crédito aos provedores de BNPL. Uma das principais disposições é a resolução de disputas, que exige que os credores de BNPL investiguem as disputas dos consumidores e suspendam temporariamente as obrigações de pagamento durante o processo de investigação. Essa mudança garante que os consumidores tenham maior proteção contra cobranças fraudulentas ou incorretas, alinhando os serviços de BNPL às proteções tradicionais de cartão de crédito.

Outra atualização regulatória crítica concentra-se no processamento de reembolsos, exigindo que os provedores de BNPL creditem os reembolsos aos consumidores por produtos devolvidos ou serviços cancelados. Essa exigência atende a uma preocupação crescente entre os usuários de BNPL, que anteriormente enfrentavam dificuldades para obter reembolsos em tempo hábil, principalmente ao lidar com múltiplas partes, como comerciantes e credores. Essas medidas visam aumentar a transparência e criar um ecossistema de BNPL mais favorável ao consumidor.

A abordagem do CFPB para a execução inclui um período de transição, durante o qual os credores de BNPL não sofrerão penalidades se fizerem um esforço de boa-fé para cumprir as novas regulamentações. Isso permite que os provedores tenham tempo para ajustar seus sistemas e políticas, garantindo uma transição mais tranquila para o consumidor. Nos próximos meses, espera-se que o cenário regulatório para BNPL continue evoluindo, com maior supervisão provável à medida que o setor se expande e se torna uma parte mais significativa do ecossistema financeiro dos EUA.

https://www.globenewswire.com/news-release/2025/02/12/3025192/0/en/United-States-Buy-Now-Pay-Later-Business-and-Investment-Opportunities-Databook-2025-8-5-CAGR-Forecast-During-2025-2030-with-U-S-BNPL-Sector-Set-to-Reach-184-05-Billion-by-2030.html

Dublin, Feb. 12, 2025 (GLOBE NEWSWIRE) — The ”United States Buy Now Pay Later Business and Investment Opportunities Databook – 75+ KPIs on BNPL Market Size, End-Use Sectors, Market Share, Product Analysis, Business Model, Demographics – Q1 2025 Update” report has been added to ResearchAndMarkets.com’s offering.

The BNPL payment market in United States is expected to grow by 12.2% on annual basis to reach US$122.26 billion in 2025.

The BNPL market in the U.S. experienced robust growth during 2021-2024, achieving a CAGR of 20.3%. This upward trajectory is expected to continue, with the market forecast to grow at a CAGR of 8.5% during 2025-2030. By the end of 2030, the BNPL sector in the United States is projected to expand from its 2024 value of USD 109 billion to approximately USD 184.05 billion.

This report provides a detailed data-centric analysis of the Buy Now Pay Later (BNPL) industry in United States, covering market opportunities and risks across a range of retail categories. With over 75 KPIs at the country level, this report provides a comprehensive understanding of BNPL market dynamics, market size and forecast, and market share statistics.

It breaks down market opportunities by type of business model, sales channels (offline and online), and distribution models. In addition, it provides a snapshot of consumer behaviour and retail spending dynamics. KPIs in both value and volume terms help in getting an in-depth understanding of end market dynamics.

Key Insights

The BNPL market in the U.S. is on a strong growth trajectory, driven by increasing consumer adoption, the expansion of e-commerce, and the diversification of BNPL applications beyond retail. As more consumers seek flexible payment solutions, BNPL providers are forming strategic partnerships with merchants and service providers to meet this demand.

The entry of traditional financial institutions into the BNPL space is expected to reshape the competitive landscape, enhancing consumer trust and offering more regulated installment-based payment options. Established banks and credit card issuers are introducing BNPL features to retain existing customers and compete with fintech firms. As the sector evolves, regulatory oversight may also increase, ensuring responsible lending practices while maintaining the accessibility and convenience that have made BNPL an attractive option for U.S. consumers.

Continued Growth in BNPL Adoption

• This increase highlights a shift in consumer spending behavior as more shoppers seek flexible, short-term financing alternatives. The rising popularity of BNPL is particularly evident among younger consumers and those looking for alternatives to credit cards.
• The expansion of e-commerce has been a key driver of BNPL adoption, with major providers such as Affirm, Afterpay, and Klarna partnering with retailers to integrate installment payment options. Consumers are increasingly drawn to BNPL’s interest-free structure, allowing them to manage purchases without accumulating high-interest debt. As more online and in-store retailers integrate BNPL solutions, its adoption is expected to rise across various shopping categories.
• As more providers enter the market, competition will intensify, leading to expanded services, lower fees, and deeper industry integration. Additionally, BNPL’s expansion beyond retail into services such as healthcare and travel will drive wider adoption, reinforcing its role as a mainstream payment method.

Diversification of BNPL Applications

• The expansion of BNPL beyond traditional retail sectors is reshaping how consumers finance essential and high-value purchases. BNPL providers have begun offering installment payment options in industries such as healthcare and travel, allowing consumers to finance medical expenses, elective procedures, and vacation costs over time. These developments indicate that BNPL is no longer limited to retail shopping but is becoming a broader financial tool for managing major expenses.
• The demand for flexible payment solutions in high-value transactions is a key driver of this diversification. Consumers seek alternative financing options that do not involve traditional credit cards or personal loans. BNPL providers are adjusting their services to offer customized installment plans for different sectors, making expensive purchases more accessible and manageable for a wider range of consumers.
• Over the next 2-4 years, BNPL adoption will continue expanding into new industries, further embedding itself into the broader financial landscape. As BNPL becomes available for education, automotive, and professional services, its role as a mainstream financing solution will strengthen. This diversification will likely drive higher consumer spending, as installment-based payments enable greater affordability across multiple sectors.

Entry of Traditional Financial Institutions into BNPL

• Traditional financial institutions in the U.S. are expanding into the BNPL market to compete with fintech providers and retain customers seeking flexible payment options. American Express, for instance, offers “Plan It,” a feature that allows cardholders to divide purchases into monthly installments with a fixed fee instead of interest. Other banks are expected to follow suit, integrating BNPL-like services within their credit card offerings or launching standalone installment payment solutions.
• The growing popularity of BNPL services has made it essential for traditional banks to adapt to stay competitive. Consumers are increasingly choosing short-term installment options over traditional credit cards, prompting banks to introduce BNPL features that align with evolving spending behaviors. By offering interest-free or low-fee installment plans, banks can appeal to a broader customer base while maintaining relevance in the rapidly changing payments industry.
• Over the next 2-4 years, the involvement of traditional banks is expected to increase consumer trust and regulatory oversight in the BNPL market. The entry of established financial institutions could lead to stricter compliance measures, ensuring responsible lending practices while giving BNPL services greater legitimacy. As banks refine their BNPL offerings, the market will likely see further innovation, expanded adoption, and greater consumer financial security.

Competitive Landscape and Regulatory Developments in United States’s Buy Now, Pay Later (BNPL) Market

The BNPL market in the U.S. is expanding rapidly, driven by consumer demand for flexible financing options and strong e-commerce growth. Leading players such as Affirm, Afterpay, and Klarna continue to dominate the space, forming key partnerships with retailers to increase accessibility. Recent strategic moves, including Affirm’s multi-billion-dollar financing agreements and Apple’s integration of Klarna into Apple Pay, highlight the market’s competitive nature. These developments indicate that BNPL providers are securing long-term capital and strengthening their presence in digital payment ecosystems.

However, with increased regulatory scrutiny from the CFPB, BNPL providers must adhere to stricter consumer protection standards, including dispute resolution and refund processing requirements. While regulations aim to create a more secure and responsible BNPL ecosystem, they may also challenge providers to adapt their business models. As competition intensifies and regulations evolve, BNPL firms must innovate while maintaining compliance, ensuring long-term sustainability in the U.S. market.

Current State of the BNPL Market

• The BNPL market in the U.S. has expanded significantly, fueled by increasing consumer demand for flexible payment options and the continued rise of e-commerce. As shoppers look for alternatives to credit cards, BNPL has become a mainstream payment option, particularly among younger consumers and online shoppers.
• Leading providers such as Affirm, Afterpay (owned by Block, Inc.), and Klarna have established a strong foothold by partnering with major retailers to integrate BNPL options at checkout. These companies continue to expand their offerings across multiple sectors, including travel, electronics, and fashion. As competition intensifies, new entrants and traditional financial institutions are also exploring BNPL solutions, further shaping the industry’s future.

Key Players and New Entrants

• The U.S. BNPL market is dominated by key players such as Affirm, Afterpay (owned by Block, Inc.), and Klarna, each securing strong partnerships with major retailers to offer installment payment solutions. These companies have expanded their services beyond traditional retail, integrating BNPL options into the travel, healthcare, and electronics sectors. Their widespread adoption has fueled the growth of BNPL as a mainstream payment method, particularly among younger consumers who seek flexible financing options.
• New entrants and financial institutions are increasingly entering the BNPL space to compete with established players and capture a share of the growing market. Traditional banks such as American Express and Citibank have introduced BNPL-style installment plans for credit cardholders, while fintech startups and payment platforms such as Apple Pay (through Klarna) and PayPal’s “Pay in 4″ continue expanding their BNPL offerings. As competition intensifies, providers focus on differentiating their services through lower fees, extended repayment periods, and seamless digital integration to attract and retain customers.

Recent Launches, Mergers, and Acquisitions

• Affirm’s Financing Agreements: In January 2025, Affirm expanded its partnership with Liberty Mutual Investments, securing up to $750 million to bolster its consumer lending activities. This follows a $4 billion commitment from Sixth Street Partners in December 2024 to enhance Affirm’s lending capacity over the next three years.
• Apple’s Integration of BNPL Services: In October 2024, Apple incorporated Klarna’s BNPL service into Apple Pay, providing users with interest-free installment options. This move came after Apple discontinued its Pay Later service, signaling a strategic shift towards partnering with established BNPL providers.

Outlook

• This rapid growth will likely drive increased competition among existing providers, leading to further innovation in BNPL offerings. Established players such as Affirm, Afterpay, and Klarna will continue to scale their services, while new entrants and traditional financial institutions will seek opportunities to capture market share.
• As BNPL adoption rises, providers are expected to diversify their offerings across industries such as travel, healthcare, and education to appeal to a broader consumer base. The market’s expansion will also attract greater regulatory oversight, ensuring responsible lending and consumer protection. Over the next few years, BNPL firms must balance growth, compliance, and evolving consumer preferences to maintain a competitive edge in an increasingly crowded marketplace.

Regulatory Changes

• The Consumer Financial Protection Bureau (CFPB) introduced new regulations in May 2024, applying credit card-like protections to BNPL providers. One of the key provisions is dispute resolution, which requires BNPL lenders to investigate consumer disputes and temporarily pause payment obligations during the investigation process. This change ensures that consumers have greater protection against fraudulent or incorrect charges, bringing BNPL services in line with traditional credit card protections.
• Another critical regulatory update focuses on refund processing, mandating that BNPL providers credit refunds to consumers for returned products or canceled services. This requirement addresses a growing concern among BNPL users who previously faced challenges obtaining timely refunds, particularly when dealing with multiple parties, such as merchants and lenders. These measures aim to enhance transparency and create a more consumer-friendly BNPL ecosystem.
• The CFPB’s approach to enforcement includes a transition period, during which BNPL lenders will not face penalties if they make a good faith effort to comply with the new regulations. This allows providers time to adjust their systems and policies while ensuring a smoother consumer transition. Over the coming months, the regulatory landscape for BNPL is expected to continue evolving, with further oversight likely as the industry expands and becomes a more significant part of the U.S. financial ecosystem.