CMN Resolution No. 5319 - Amends Resolution CMN No. 5,304 to Prohibit Registration Fees in Financing Operations under Provisional Measure No. 1,359

The Central Bank of Brazil, pursuant to Article 9 of Law No. 4,595 of December 31, 1964, makes public that the National Monetary Council, in a session held on June 25, 2026, having regard to the provisions of Article 4, sole paragraph, item VI, of the aforementioned Law, and based on Article 2, § 9, of Provisional Measure No. 1,359 of May 19, 2026,

R E S O L V E D:

Article 1. Resolution CMN No. 5,304 of May 20, 2026, published in the Official Gazette of the Union on May 21, 2026, shall enter into force with the following alterations:

"Article 7. BNDES and financial institutions authorized by it may charge borrowers, in addition to the financial charges provided for in Article 4 of this Resolution, other charges or commissions usually practiced in their operations, in accordance with their operational policies, including a charge for credit reservation, when provided for contractually, observing the incidence scenarios and values disclosed on their respective official websites, prohibiting, under any circumstances, the charging of registration fees.

Sole paragraph. For the purposes of this article, registration fee is considered that related to the conduct of research in credit protection services, databases, and registration information, and to the processing of data necessary for the start of the relationship resulting from the contracting of a credit operation, as set forth in Table I annexed to Resolution No. 3,919 of November 25, 2010." (New text)

Article 2. This Resolution enters into force on the date of its publication.

GABRIEL MURICCA GALÍPOLO President of the Central Bank of Brazil