CMN Resolution No. 5299 — Establishes Guidelines for Regulating the Rights of Natural Persons Using Financial Services

CMN RESOLUTION NO. 5,299, OF MAY 4, 2026

Establishes the guidelines that must be observed in the regulation of the rights of natural persons using financial services, as provided for in Law No. 15,252, of November 4, 2025.

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 a session held on April 23, 2026, based on Articles 6, paragraph 1, and 7 of Law No. 12,865, of October 9, 2013, and Article 17 of Law No. 15,252, of November 4, 2025,

R E S O L V E D:

Art. 1 This Resolution establishes the guidelines that must be observed in the regulation, by the Central Bank of Brazil, of the rights of natural persons using financial services, as provided for in Law No. 15,252, of November 4, 2025.

Art. 2 The regulation of salary portability, which includes salaries, pensions, wages, earnings, retirements, pensions, and similar benefits, as per Article 4 of Law No. 15,252, of November 4, 2025, must observe the following principles:

I - free choice of beneficiaries to maintain their resources in salary accounts or to carry out salary portability to deposit accounts or prepaid payment accounts;

II - protection of beneficiaries, considering their associated vulnerabilities;

III - integrity, compliance, and security of salary portability requests, as well as their confirmations and refusals;

IV - efficiency and security in the provision of the service for paying salaries, pensions, wages, earnings, retirements, pensions, and similar benefits;

V - non-discriminatory access to the services and infrastructures necessary for salary portability; and

VI - uniformity of the norms applicable to institutions authorized to operate by the Central Bank of Brazil.

Art. 3 The regulation of the special credit modality with reduced interest rates must observe the following principles:

I - ethics, responsibility, and diligence in the contracting of operations;

II - transparency in the offer of credit;

III - proportionality between the burdens and benefits inherent to the special credit modality with reduced interest rates;

IV - prevention of over-indebtedness; and

V - compatibility of the offer with the needs of the credit taker.

Sole Paragraph. The Central Bank of Brazil will determine the characteristics and requirements for contracting the special modality with reduced interest rates provided for in Law No. 15,252, of November 4, 2025.

Art. 4 The regulation of automatic debit in deposit accounts, prepaid payment accounts, and salary accounts must observe the following principles:

I - protection of clients and users;

II - integrity, compliance, and security of the authorization, as well as the respective debit entries in accounts;

III - transparency in the authorization, as well as in the respective debit entries in accounts;

IV - non-discriminatory access to the services and infrastructures necessary for the authorization and debit entries in accounts; and

V - uniformity of the norms applicable to the various payment modalities, regardless of the type of account referred to in the caput, except for peculiarities resulting from the characteristics inherent to each type of payment and account.

Art. 5 The regulation of the right to information must observe the following principles:

I - transparency and clarity in relations with clients and users;

II - objectivity, relevance, and informational accessibility, including regarding digital channels and the user interface;

III - adequacy and quality of information;

IV - responsible offer of credit products; and

V - trust in relations.

Art. 6 The following are revoked:

I - Resolution No. 4,790, of March 26, 2020, published in the Official Gazette of the Union on March 30, 2020; and

II - CMN Resolution No. 5,058, of December 15, 2022, published in the Official Gazette of the Union on December 19, 2022.

Art. 7 This Resolution enters into force:

I - on July 1, 2027, regarding Article 6; and

II - on the date of its publication, regarding the other provisions.

GABRIE MURICCA GALÍPOLO President of the Central Bank of Brazil