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2026-03-03 | Resolução BCB 552

BCB Resolution No. 552 of March 3, 2026

The Central Bank of Brazil issued Resolution No. 552 to extend the scope of application of nine existing regulatory resolutions to include virtual asset service providers authorized by the Bank. This amendment mandates that these new entities comply with specific requirements regarding ombudsman offices, payment debit authorizations, compliance policies, cybersecurity, internal audit, client relations, internal controls, and executive remuneration. The regulation establishes compliance deadlines, notably requiring adherence to virtual asset service provisions under Resolution No. 343 by October 30, 2026.

Brazil

Banco Central do Brasil

RESOLUTION BCB NO. 552, OF MARCH 3, 2026

Amends BCB Resolutions Nos. 28, of October 23, 2020; 51, of December 16, 2020; 65, of January 26, 2021; 85, of April 8, 2021; 93, of May 6, 2021; 155, of October 14, 2021; 260, of November 22, 2022; 343, of October 4, 2023; and 432, of November 13, 2024, to include in their scopes of application the companies providing virtual asset services authorized to operate by the Central Bank of Brazil.

The Collegiate Board of the Central Bank of Brazil, in a session held on March 3, 2026,

based on arts. 4 and 6 of Law No. 14,478, of December 21, 2022, and arts. 1 and 2 of Decree No. 11,563, of June 13, 2023,

RESOLVES:

Art. 1 The summary of BCB Resolution No. 28, of October 23, 2020, published in the Official Gazette of the Union on October 26, 2020, shall be effective with the following alterations:

"Provides for the constitution and operation of an organizational component of an ombudsman office by payment institutions, consortium administrators, securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, and virtual asset service providers authorized to operate by the Central Bank of Brazil." (NR)

Art. 2 BCB Resolution No. 28, of October 23, 2020, published in the Official Gazette of the Union on October 26, 2020, shall be effective with the following alterations:

"Art. 2 ................................................................................................................................... I - payment institutions, securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, and virtual asset service providers that have natural person clients, including individual entrepreneurs, or legal entities classified as micro-enterprises and small businesses, in accordance with Complementary Law No. 123, of December 14, 2006; and ....................................................................................................................................... (NR)"

Art. 3 BCB Resolution No. 51, of December 16, 2020, published in the Official Gazette of the Union on December 17, 2020, shall be effective with the following alterations:

"Art. 1 This Resolution establishes procedures for authorization and cancellation of authorization for debits in prepaid payment accounts and other procedures to be observed by financial institutions and other institutions authorized to operate by the Central Bank of Brazil holding prepaid payment accounts." (NR)

"Art. 15. The institutions mentioned in art. 1 must observe the requirements, deadlines, procedures, and controls cited in art. 3, §§ 2 and 3, in art. 5, § 1, item I, and § 2, as well as in arts. 6, 7, 11, 11-A, and 13, when, in the capacity of the institution receiving resources, they receive the authorization and request for cancellation of authorization for debits in deposit accounts or salary accounts." (NR)

Art. 4 The summary of BCB Resolution No. 65, of January 26, 2021, published in the Official Gazette of the Union on January 28, 2021, shall be effective with the following alterations:

"Provides for the compliance policy of consortium administrators, payment institutions, securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, and virtual asset service providers authorized to operate by the Central Bank of Brazil." (NR)

Art. 5 BCB Resolution No. 65, of January 26, 2021, published in the Official Gazette of the Union on January 28, 2021, shall be effective with the following alterations:

"Art. 1 ................................................................................................................................... ................................................................................................................................................. IV - securities distribution firms; V - foreign exchange brokerage firms; and VI - virtual asset service providers." (NR)

"Art. 2 ................................................................................................................................... ................................................................................................................................................. § 2 Compliance risk must be managed by the institutions mentioned in art. 1 in an integrated manner with the other risks incurred by the institution, as required by specific regulation." (NR)

Art. 6 The summary of BCB Resolution No. 85, of April 8, 2021, published in the Official Gazette of the Union on April 12, 2021, shall be effective with the following alterations:

"Provides for the cybersecurity policy and for the requirements for contracting data processing and storage services and cloud computing services to be observed by payment institutions, securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, and virtual asset service providers authorized to operate by the Central Bank of Brazil." (NR)

Art. 7 BCB Resolution No. 85, of April 8, 2021, published in the Official Gazette of the Union on April 12, 2021, shall be effective with the following alterations:

"Art. 1 This Resolution provides for the cybersecurity policy and for the requirements for contracting data processing and storage services and cloud computing services to be observed by payment institutions, securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, and virtual asset service providers authorized to operate by the Central Bank of Brazil." (NR)

Art. 8 The summary of BCB Resolution No. 93, of May 6, 2021, published in the Official Gazette of the Union on May 10, 2021, shall be effective with the following alterations:

"Provides for the internal audit activity in consortium administrators, payment institutions, securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, and virtual asset service providers authorized to operate by the Central Bank of Brazil." (NR)

Art. 9 BCB Resolution No. 93, of May 6, 2021, published in the Official Gazette of the Union on May 10, 2021, shall be effective with the following alterations:

Art. 10 The summary of BCB Resolution No. 155, of October 14, 2021, published in the Official Gazette of the Union on October 18, 2021, shall be effective with the following alterations:

"Provides for principles and procedures to be adopted in the relationship with clients and users of products and services by consortium administrators, payment institutions, securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, and virtual asset service providers authorized to operate by the Central Bank of Brazil." (NR)

Art. 11 BCB Resolution No. 155, of October 14, 2021, published in the Official Gazette of the Union on October 18, 2021, shall be effective with the following alterations:

Art. 12 The summary of BCB Resolution No. 260, of November 22, 2022, published in the Official Gazette of the Union on November 24, 2022, shall be effective with the following alterations:

"Provides for the internal control systems of consortium administrators, payment institutions, securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, and virtual asset service providers authorized to operate by the Central Bank of Brazil." (NR)

Art. 13 BCB Resolution No. 260, of November 22, 2022, published in the Official Gazette of the Union on November 24, 2022, shall be effective with the following alterations:

Art. 14 BCB Resolution No. 343, of October 4, 2023, published in the Official Gazette of the Union on October 6, 2023, shall be effective with the following alterations:

"Art. 2 ................................................................................................................................... ................................................................................................................................................. III - maintenance of a deposit account or payment account; IV - contracting of a credit operation; and V - provision of virtual asset services. ....................................................................................................................................... (NR)"

"Art. 13-A. The institutions mentioned in art. 1 must implement the necessary measures to comply with the provisions of this Resolution, for the activity referred to in art. 2, caput, item V, by October 30, 2026." (NR)

Art. 15 The summary of BCB Resolution No. 432, of November 13, 2024, published in the Official Gazette of the Union on November 18, 2024, shall be effective with the following alterations:

"Provides for the remuneration policy of administrators of securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, consortium administrators, payment institutions, and virtual asset service providers authorized to operate by the Central Bank of Brazil." (NR)

Art. 16 BCB Resolution No. 432, of November 13, 2024, published in the Official Gazette of the Union on November 18, 2024, shall be effective with the following alterations:

“Art. 1 This Resolution provides for the remuneration policy of administrators of securities brokerage firms, securities distribution firms, foreign exchange brokerage firms, consortium administrators, payment institutions, and virtual asset service providers authorized to operate by the Central Bank of Brazil." (NR)

Art. 17 This Resolution enters into force on the date of its publication.

GILNEU FRANCISCO ASTOLFI VIVAN Regulation Director