CMN Resolution No. 5304 — Establishes Conditions and Financial Charges for Financing Lines for Sustainable Vehicle Acquisition by Taxi Professionals

Resolution No. 5304

CMN RESOLUTION NO. 5304, OF MAY 20, 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 2 of Provisional Measure No. 1,359, of May 19, 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 a session held on May 20, 2026, considering the provisions of Article 4, main paragraph, item VI, of Law No. 4,595, of December 31, 1964, and based on Provisional Measure No. 1,359, of May 19, 2026,

R E S O L V E D:

Article 1. This Resolution establishes the definitions, financial charges, conditions, and other regulatory norms applicable to the reimbursable financing lines for individual private passenger transport professionals, taxi drivers, and taxi driver cooperatives, for the acquisition of new motor vehicles that meet environmental, social, and economic sustainability criteria, as referred to in Article 2 of Provisional Measure No. 1,359, of May 19, 2026.

Sole Paragraph. The financings referred to in this Resolution must comply with the provisions set forth in Articles 2, §§ 3 and 10, of Provisional Measure No. 1,359, of May 19, 2026.

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

I - beneficiaries:

a) individual private passenger transport professionals, in accordance with Law No. 12,587, of January 3, 2012;

b) professional drivers who demonstrably exercise the activity of autonomous passenger drivers, as holders of authorization, permission, or concession from the Public Authority (taxi drivers); and

c) work cooperatives that are permit holders or concessionaires of public passenger transport, in the rental category (taxi); and

II - financing: credit operations for the acquisition of new motor vehicles that meet environmental, social, and economic sustainability criteria, insurance of the asset and credit life insurance, when contracted together with said asset, as well as safety items to meet the demands of female passenger transport professionals, in addition to the Charge for Granting Guarantee – ECG, provided for in Article 6, § 5, of Law No. 14,042, of August 19, 2020, when the credit operation has the granting of guarantee by the Emergency Program for Access to Credit in the guarantee modality – Peac-FGI, in accordance with the provisions of Article 2, § 4, of Provisional Measure No. 1,359, of May 19, 2026, carried out exclusively in an indirect manner, through financial institutions authorized by the National Bank for Economic and Social Development – BNDES.

Article 3. Financial charges of 2.5% per annum (two and five-tenths percent per year) apply to borrowers, as remuneration for the source of resources referred to in Article 2, main paragraph, of Provisional Measure No. 1,359, of May 19, 2026.

Sole Paragraph. In the case of vehicle acquisition by women, the charges referred to in the main paragraph shall be 1.5% per annum (one and five-tenths percent per year).

Article 4. Financial charges apply to borrowers, as remuneration for financial institutions:

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

II - from the financial institution authorized by BNDES: up to 8.5% per annum (eight and five-tenths percent per year).

Article 5. The following conditions apply to the financing lines referred to in this Resolution:

I - repayment term of up to seventy-two months, including up to six months of principal grace period;

II - maximum value of the financed vehicle: up to R$150,000.00 (one hundred and fifty thousand reais); and

III - risk of the operation: borne by the financial institution authorized by BNDES, with BNDES remaining responsible to the source of resources referred to in Article 2, main paragraph, of Provisional Measure No. 1,359, of May 19, 2026, for the payment of the principal and remuneration referred to in Article 3 of this Resolution.

§ 1. The interest rates of financing contracts shall be calculated by converting the charges provided for in Articles 3 and 4, as applicable, into factors, and their subsequent multiplication.

§ 2. The capitalization of financial charges during the grace period is not permitted.

Article 6. The financing of safety items to meet the demands of female passenger transport professionals, referred to in Article 2, § 4, item II, of Provisional Measure No. 1,359, of May 19, 2026, is limited to 10% of the total value of the financing.

Article 7. BNDES and the 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 charge for credit reservation, when provided for contractually, observing the incidence hypotheses and values disclosed on their respective official internet pages.

Article 8. The conditions provided for in this Resolution apply to financings contracted until the deadline referred to in Article 9 of Provisional Measure No. 1,359, of May 19, 2026.

Article 9. This Resolution enters into force on the date of its publication.

GABRIEL MURICCA GALÍPOLO

President of the Central Bank of Brazil