Regulatory Alerts2025-12-24 | Resolução CMN 5278CMN Resolution No. 5,278 — Amends Resolution No. 4,790 Regarding Authorization and Cancellation of Debit Authorizations for Deposit and Salary Accounts
The Central Bank of Brazil, via the National Monetary Council, amended Resolution No. 4,790 to mandate that depository institutions and recipients align existing and new debit authorization contracts with updated regulatory requirements. Institutions must implement these contractual adjustments and necessary compliance measures by January 1, 2026, with a specific extension to January 1, 2027, for contracts related to tax payments, public service agreements, and health plans. This resolution entered into force on the date of its publication, establishing a clear timeline for regulatory adherence in financial debit authorizations.
Resolution No. 5,278
CMN RESOLUTION NO. 5,278, OF DECEMBER 24, 2025
Amends Resolution No. 4,790, of March 26, 2020, which establishes procedures for the authorization and cancellation of authorization of debits in deposit accounts and salary accounts.
The Central Bank of Brazil, in accordance with Article 9 of Law No. 4,595, of December 31, 1964, makes it public that the National Monetary Council, in an extraordinary session held on December 24, 2025, based on Article 4, main paragraph, item VIII, of the aforementioned Law,
RESOLVES:
Art. 1º Resolution No. 4,790, of March 26, 2020, published in the Official Gazette of the Union on March 30, 2020, shall enter into force with the following alterations:
“Art. 2º-A ................................................................................................................................
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§ 2º Depository institutions and recipients must adapt the contracts and debit authorizations, both existing and new, that fall under the provisions of the main paragraph and implement the other necessary measures to comply with the duties provided for in this article by January 1, 2026, with the exception of contracts and debit authorizations related to the payment of taxes, public service provision agreements, and health plans, whose adaptation must be implemented by January 1, 2027.” (NR)
Art. 2º This Resolution enters into force on the date of its publication.
GABRIEL MURICCA GALÍPOLO
President of the Central Bank of Brazil