CMN Resolution No. 5,300 — Establishes Conditions and Financial Charges for Financing Lines under Provisional Measure No. 1,353 of 2026

Resolution No. 5,300

CMN RESOLUTION NO. 5,300, OF MAY 5, 2026

Establishes the conditions, financial charges, deadlines, and other regulatory norms applicable to financing lines for the acquisition of the items referred to in Article 3 of Provisional Measure No. 1,353, of April 30, 2026.

The Central Bank of Brazil, in accordance with Article 9 of Law No. 4,595, of December 31, 1964, makes public that the National Monetary Council, in an extraordinary session held on May 5, 2026, considering the provisions of Article 4, caput, item VI, of Law No. 4,595, of December 31, 1964, and based on Provisional Measure No. 1,353, of April 30, 2026,

R E S O L V E S:

Article 1 This Resolution establishes the definitions, resource source compositions, financial charges, conditions, and other regulatory norms applicable to financing lines for the acquisition of trucks, tractor-trailers, buses, minibuses, and road implements, as referred to in Article 3 of Provisional Measure No. 1,353, of April 30, 2026.

Sole Paragraph. The resources referred to in Article 3, caput, of Provisional Measure No. 1,353, of April 30, 2026, for the availability of the financing lines governed by this Resolution, shall be combined with resources from the National Bank for Economic and Social Development – BNDES for the granting of said financing lines, as provided in Article 3 of this Resolution, observing the conditions established therein.

Article 2 For the purposes of this Resolution, the following are considered:

I - beneficiaries: autonomous cargo transporters, individuals associated with road cargo transport cooperatives, individual entrepreneurs, or private legal entities in the road or urban cargo or passenger transport sector; and

II - financing: credit operations, carried out exclusively indirectly, through financial institutions authorized by BNDES, for the acquisition of new or used trucks and tractor-trailers, as well as new buses, minibuses, and road implements, insurance of the asset, and borrower's insurance, when contracted together with said asset, and any federal taxes levied on the financing operations performed, in accordance with the provisions of Article 3, § 7º, of Provisional Measure No. 1,353, of April 30, 2026, observing the norm provided in Article 3, § 14, of said Provisional Measure.

Article 3 The composition of resource sources for the availability of the financing lines governed by this Resolution shall observe:

I - for autonomous cargo transporters and individuals associated with road cargo transport cooperatives, 100% (one hundred percent) from the resources referred to in Article 3, caput, of Provisional Measure No. 1,353, of April 30, 2026; and

II - for other beneficiaries:

a) 65% (sixty-five percent) from the resources referred to in Article 3, caput, of Provisional Measure No. 1,353, of April 30, 2026; and

b) 35% (thirty-five percent) from BNDES resources.

Article 4 Financial charges apply to borrowers, as remuneration for the resource sources, based on the weighted average of the following rates, according to the proportion defined in Article 3 of this Resolution:

I - as remuneration for the resource source referred to in Article 3, caput, of Provisional Measure No. 1,353, of April 30, 2026:

a) 1% p.a. (one percent per annum) for autonomous cargo transporters and individuals associated with road cargo transport cooperatives who acquire new trucks, tractor-trailers, or road implements;

b) 1% p.a. (one percent per annum) for autonomous cargo transporters and individuals associated with road cargo transport cooperatives who acquire used trucks or tractor-trailers and prove the forwarding of the delivered vehicle as a counterparty to a legal entity for dismantling motor vehicles, observing the norm provided in Article 4, sole paragraph, of Provisional Measure No. 1,353, of April 30, 2026;

c) 2% p.a. (two percent per annum) for autonomous cargo transporters and individuals associated with road cargo transport cooperatives who acquire used trucks or tractor-trailers;

d) 3% p.a. (three percent per annum) for individual entrepreneurs and legal entities in the road or urban cargo or passenger transport sector who acquire new trucks, tractor-trailers, buses, minibuses, or road implements and prove the forwarding of the delivered vehicle as a counterparty to a legal entity for dismantling motor vehicles, observing the norm provided in Article 4, sole paragraph, of Provisional Measure No. 1,353, of April 30, 2026; and

e) 5.5% p.a. (five and five-tenths percent per annum) for individual entrepreneurs and legal entities in the road or urban cargo or passenger transport sector who acquire new trucks, tractor-trailers, buses, minibuses, or road implements; and

II - to cover the financial cost of BNDES resources referred to in Article 3, caput, item II, letter “b”, the financial conditions current for BNDES resources apply, according to its specific regulation.

Article 5 Financial charges apply to borrowers, as remuneration for financial institutions:

I - from BNDES: up to 1.25% p.a. (one and twenty-five hundredths percent per annum); and

II - from the financial institution authorized by BNDES:

a) for autonomous cargo transporters and individuals associated with road cargo transport cooperatives: up to 8.8% p.a. (eight and eight-tenths percent per annum); and

b) for individual entrepreneurs and private legal entities in the road or urban cargo or passenger transport sector: up to 3% p.a. (three percent per annum).

Article 6 The following conditions also apply to the financing lines governed by this Resolution:

I - repayment term:

I - repayment term: (Wording given by CMN Resolution No. 5,307, of 5/26/2026.)

a) for autonomous cargo transporters and individuals associated with road cargo transport cooperatives: up to one hundred and twenty months, including up to twelve months of principal grace period; and

a) for autonomous cargo transporters and individuals associated with road cargo transport cooperatives: up to one hundred and twenty months, including up to twelve months of principal grace period; (Wording given by CMN Resolution No. 5,307, of 5/26/2026.)

b) for individual entrepreneurs and private legal entities in the road or urban cargo or passenger transport sector: up to sixty months, including up to six months of principal grace period;

b) for individual entrepreneurs and private legal entities in the road or urban cargo transport sector: up to sixty months, including up to six months of principal grace period; and (Wording given by CMN Resolution No. 5,307, of 5/26/2026.)

c) for individual entrepreneurs and private legal entities in the road or urban passenger transport sector: up to one hundred and twenty months, including up to six months of principal grace period; (Included by CMN Resolution No. 5,307, of 5/26/2026.)

II - maximum financing value per borrower: up to R$50,000,000.00 (fifty million reais);

III - operation risk: of the financial institution authorized by BNDES, with BNDES remaining responsible to the resource source referred to in Article 3, caput, of Provisional Measure No. 1,353, of April 30, 2026, for the payment of principal and remuneration referred to in Article 4, caput, item I, of this Resolution;

IV - the interest rates of financing contracts shall be calculated by converting the charges provided in Articles 4 and 5 into factors, as applicable, and their subsequent multiplication; and

V - the capitalization of financial charges during the grace period is not permitted.

Article 7 BNDES and the financial institutions authorized by it may charge borrowers, in addition to the financial charges provided in Article 5, other charges or commissions usually practiced in their operations, according to their operational policies, including credit reserve charge, when provided contractually, observing the incidence hypotheses and values disclosed on their respective official internet pages.

Article 8 The conditions provided in this Resolution apply to financings contracted until the deadline referred to in Article 5 of Provisional Measure No. 1,353, of April 30, 2026.

Article 9 The financings governed by this Resolution must respect environmental, social, and economic sustainability criteria, observing the norm provided in Article 3, § 3º, of Provisional Measure No. 1,353, of April 30, 2026.

Article 10. This Resolution enters into force on the date of its publication.

GABRIEL MURICCA GALÍPOLO President of the Central Bank of Brazil