Resolution No. 222

INSTRUCTION NORMATIVE

BCB No. 716, OF MARCH 13, 2026

Publishes procedures and models of complementary documents to Instruction Normative BCB No. 714, of March 4, 2026, specifically necessary for the processing of requests for authorization of amendments to regulations of payment arrangements included in the Brazilian Payments System (SPB), regarding compliance with BCB Resolution No. 522, of November 10, 2025.

The Head of the Department of Competition and Financial Market Structure (Decem), using the authority conferred by Art. 23, caput, item I, clause "a", of the Internal Regulations of the Central Bank of Brazil, annexed to BCB Resolution No. 340, of September 21, 2023, based on Art. 94, caput, item IV, clause "a", of said Regulations, and taking into account the provisions of Art. 6 of BCB Resolution No. 150, of October 6, 2021,

RESOLVES:

Art. 1 Requests for prior authorization or notification for amendments to regulations of payment arrangements included in the Brazilian Payments System (SPB), as provided for in Art. 20 of Annex I to BCB Resolution No. 150, of October 6, 2021, specifically regarding compliance with the amendments provided for in BCB Resolution No. 522, of November 10, 2025, must be filed with the Central Bank of Brazil in accordance with Instruction Normative BCB No. 714, of March 4, 2026, accompanied by a form filled out in accordance with Annex I to this Instruction Normative.

Sole Paragraph. If the payment arrangement operator chooses to file separate requests, segregated by subject or thematic affinity, the operator must present, in each request, the form provided for in the caput, including the information for each request.

Art. 2 Any amendments to the regulations that are not directly related to compliance with the provisions of BCB Resolution No. 522, of November 10, 2025, must be submitted by the payment arrangement operator in a specific request, in accordance with Instruction Normative BCB No. 714, of March 4, 2026.

Art. 3 This Instruction Normative enters into force on the date of its publication.

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ANNEX I

Form for Indication of Compliance with BCB Resolution No. 522, of November 10, 2025

The operator must identify in the tables below the location in its regulation of compliance with the items pertinent to BCB Resolution No. 150, of October 6, 2021, as amended by BCB Resolution No. 522, of November 10, 2025.

The tables must also be filled out for articles that have already been addressed by the current regulation of the payment arrangement and will not be the subject of requests for prior authorization for amendments to regulations sent to the Central Bank of Brazil, or that are the subject only of notification, in accordance with Art. 20, § 2, of Annex I to BCB Resolution No. 150, of October 6, 2021.

Table 1 - Responsibility of the payment arrangement operator for the full settlement of transactions

Provisions of Annex I to Resolution No. 150, of 2021, to be addressed	Identification (document, chapter, section, annex, pages, etc.) and indicate if it is subject to prior authorization; notification of amendment; or current regulation
Art. 35-A

Table 2 - Risk Management

Provisions of Annex I to Resolution No. 150, of 2021, to be addressed	Identification (document, chapter, section, annex, pages, etc.) and indicate if it is subject to prior authorization; notification of amendment; or current regulation
Art. 4, item I, clause "g"
Art. 19, item XI
Art. 31
Art. 32, items I to III and IV
Art. 33
Art. 34
Art. 35
Art. 35-B
Art. 35-C
Art. 35-D
Art. 35-E
Art. 37

Table 3 - Tariffs and Penalties

Provisions of Annex I to Resolution No. 150, of 2021, to be addressed	Identification (document, chapter, section, annex, pages, etc.) and indicate if it is subject to prior authorization; notification of amendment; or current regulation
Art. 19, items XII and XVII and §§ 5 to 8
Art. 42, Sole Paragraph
Art. 42-A

Table 4.1 - Prevention of Illicit Acts and Compliance with the Paying User

Provisions of Annex I to Resolution No. 150, of 2021, to be addressed	Identification (document, chapter, section, annex, pages, etc.) and indicate if it is subject to prior authorization; notification of amendment; or current regulation
Art. 4, item I, clauses "a", "h" and "i"
Art. 4, item III
Art. 19, item XXII
Art. 32, items III-A to III-E
Art. 33-A
Art. 33-B

Table 5 - Dispute Resolution and Prohibition of Transaction Restrictions

Provisions of Annex I to Resolution No. 150, of 2021, to be addressed	Identification (document, chapter, section, annex, pages, etc.) and indicate if it is subject to prior authorization; notification of amendment; or current regulation
Art. 4, item VII
Art. 35-F
Art. 35-G

Table 6 - Centralized Settlement and Others

Provisions of Annex I to Resolution No. 150, of 2021, to be addressed	Identification (document, chapter, section, annex, pages, etc.) and indicate if it is subject to prior authorization; notification of amendment; or current regulation
Art. 30, §§ 5-A, 11 and 12

Table 7 - Governance

Provisions of Annex I to Resolution No. 150, of 2021, to be addressed	Identification (document, chapter, section, annex, pages, etc.) and indicate if it is subject to prior authorization; notification of amendment; or current regulation
Art. 13, §3
Art. 27, §1

NOTE

Decree No. 10.411, of June 30, 2020, provides for the mandatory conduct of regulatory impact analysis (RIA) for the issuance of normative acts of general interest produced by the bodies and entities of the direct and indirect federal public administration.

However, according to Art. 4, item II, of the Decree, the RIA may be waived, provided there is a reasoned decision by the competent body or entity, in the case of a normative act intended to regulate rights or obligations defined in a hierarchically superior norm that does not allow, technically or legally, different regulatory alternatives.

In this sense, it is understood that this instruction norm meets the aforementioned criteria, since the normative act now proposed is intended to clarify the manner of compliance with obligations defined in the current regulation.

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