Commercial banks have several ways to lend money to people. One of this is Consumer and Ordinary Credit. In that, interest rates that are collect by banks, are close to the limit (1.5 times IBC). This approaching is known, in the economic field, as Bat Effect. With a coasian view of Law and Economics, remove that top is a suppression of a transaction cost. Make it will turn out in effects that are consistent with social efficiencies, for example: more people related with banks, pression to compete with lower interest rates, and more quality at the lends. However, eliminating the limit may have negative consequences such as affect people’s pockets due to an increase in rates or not promoting a competitive environment between offerors. In this order, the proposal of suppression of the limit must not be alone; it must be in company of the strategy of reduce the asymmetric information in this market. This can be achieved with the massification of complete and clear information about this type of credits and the banks, to the target people.