<?xml version="1.0" encoding="utf-8"?><mads xmlns="http://www.loc.gov/mads/" xmlns:mods="http://www.loc.gov/mods/v3" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.loc.gov/mads/
	mads.xsd"><authority><topic authority="https://adm.senado.leg.br/vcb/vocab/">Crédito direto ao consumidor</topic></authority><related type="other"><topic>Cartão de crédito</topic></related><related type="other"><topic>Crediário</topic></related><related type="other"><topic>Cadastro positivo</topic></related><related type="other"><topic>Empréstimo pessoal</topic></related><related type="other"><topic>Taxa de juros</topic></related><related type="other"><topic>Sociedade financeira</topic></related><related type="broader"><topic>Crédito</topic></related><variant type="other"><topic>CDC</topic></variant><variant type="other"><topic>Crédito ao consumidor</topic></variant><variant type="other"><topic>Crédito direto</topic></variant><variant type="other"><topic>Crédito pessoal</topic></variant></mads>