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The purpose of this article is to analyze whether the consumer is duly informed in advance about the conditions and effects of the credit agreements offered to him, and to identify if there is a rule regulating this right within the European Union and Mercosur. It will be dared to verify if the prior absence of this clear and precise information to the consumer has been a contributory factor for the over-indebtedness of the consumer society, as well as if the Brazilian legislation specific todoi:10.6084/m9.figshare.6332180 fatcat:trr4hozq3rh43mxyievxekydn4