BCB Normative Instruction No. 754 — Amends BCB Normative Instruction No. 330/2022 regarding Unicad registration procedures for entities of interest to the Central Bank

The Head of the Financial System Monitoring Department – Desig, in the exercise of the attribution conferred upon him by art. 23, item I, subparagraph “a”, of the Internal Regulations of the Central Bank of Brazil, disclosed by means of BCB Resolution No. 340, of September 21, 2023, based on art. 85, item I, subparagraph “b”, of the aforementioned Regulations, in view of the provisions of Joint Resolution No. 16, of November 28, 2025, CMN Resolution No. 4,557, of February 23, 2017, and BCB Resolutions Nos. 209, of March 22, 2022, 265, of November 25, 2022, and 517, of November 3, 2025,

RESOLVES:

Art. 1 BCB Normative Instruction No. 330, of November 24, 2022, published in the Official Gazette of the Union, of November 25, 2022, Section 1, p. 223, shall come into force with the following amendments:

“Section XI

Of the communication of activities for minimum capital calculation

Art. 10-F. For the purposes of complying with the provisions of art. 5 of BCB Resolution No. 517, of November 3, 2025, institutions already authorized to operate by the Central Bank of Brazil must register in Unicad, in the “Operations” module, “Inclusion” option, the categories of operational activities they intend to carry out and the intention to provide the services provided for in art. 4 of the aforementioned Resolution, ninety days in advance of the scheduled date for the start of the new activities.

Sole Paragraph. The provisions of the caput do not apply:

I - to activities that, under the terms of specific regulations, require specific authorization or are subject to a specific communication process; and

II - to institutions in the authorization process, which must observe specific regulations.

Section XII

Of the registration of Banking as a Service – BaaS service takers

Art. 10-G. For the purposes of complying with the provisions of art. 20, item I, of Joint Resolution No. 16, of November 28, 2025, institutions providing Banking as a Service – BaaS must register and keep updated in Unicad, in the “Links” module, “Inclusion” option, the information referring to BaaS service-taking entities with active contracts.

Sole Paragraph. The registration referred to in the caput must contain the information necessary for the identification of BaaS service-taking entities, observing the fields and validation rules available in Unicad.

Section XIII

Of the registration of liquidity transfer in the prudential conglomerate

Art. 10-H. For the purposes of complying with the provisions of art. 38, item I, subparagraph “e”, of CMN Resolution No. 4,557, of February 23, 2017, and art. 40, item I, subparagraph “e”, of BCB Resolution No. 265, of November 25, 2022, information on the possibility of each participant of the prudential conglomerate carrying out liquidity transfers with the other institutions belonging to the conglomerate, in normal or stress situations, must be registered and kept updated in Unicad, in the “Conglomerates” module, “Consultation/Alteration” option.” (NR)

Art. 2 For the purposes of implementing the procedures provided for in Section XI of BCB Normative Instruction No. 330, of 2022, all categories of operational activities and all services provided for in art. 4 of BCB Resolution No. 517, of November 3, 2025, will initially be registered in Unicad for institutions operating on June 30, 2026.

Sole Paragraph. The institutions referred to in the caput must access Unicad and terminate the categories of operational activities and services that they do not carry out, nor intend to carry out within the period mentioned in art. 10-F.

Art. 3 This Normative Instruction comes into force:

I - on the date of its publication, in relation to art. 2 and the inclusion of art. 10-F;

II - on September 1, 2026, in relation to the inclusion of art. 10-G; and

III - on October 1, 2026, in relation to the inclusion of art. 10-H.

ANDRÉ MAURÍCIO TRINDADE DA ROCHA

NOTE

The Information System on Entities of Interest to the Central Bank – Unicad, referred to in BCB Resolution No. 209, of March 22, 2022, was established with the objective of maintaining, in a single database, cadastral information on financial institutions, other institutions authorized to operate, and individuals and legal entities that are subject to some type of authorization or registration by the Central Bank of Brazil – BCB, or of interest to this Authority. BCB Normative Instruction No. 330, of November 24, 2022, establishes the procedures for registering and updating the respective information in Unicad.

2. BCB Resolution No. 517, of November 3, 2025, regulates the procedures for calculating the minimum limits of paid-up share capital and net worth, in addition to the methodology established by Joint Resolution No. 14, of November 3, 2025. Under the terms of art. 5 of BCB Resolution No. 517, of 2025, institutions already authorized to operate must communicate the categories of operational activities they intend to carry out and the intention to provide the services provided for in art. 4 of the aforementioned Resolution, ninety days in advance of the scheduled date for the start of the new activities.

3. Joint Resolution No. 16, of November 28, 2025, in turn, regulates the provision of Banking as a Service – BaaS. According to its art. 20, item I, the service provider institution must keep updated, before the BCB, the information related to the taking entities with active contracts. For Unicad registration purposes, the proposal is limited to identifying the link between the providing institution and the taking entity.

4. Finally, CMN Resolution No. 4,557, of February 23, 2017, provides for the risk management structure, capital management structure, and information disclosure policy of institutions subject to the prudential regime of the National Monetary Council. BCB Resolution No. 265, of November 25, 2022, provides for the same matters for institutions classified as Type 3 and falling into segments S2, S3, or S4. Within the scope of these two prudential regimes, CMN Resolution No. 5,222 and BCB Resolution No. 477, both of May 30, 2025, respectively, amended the aforementioned norms to include, in arts. 38 and 40, the requirement that the liquidity risk management structure ensures the timely transfer of resources between institutions belonging to the same prudential conglomerate, in normal or stress situations, and identifies any statutory or contractual restrictions and legal or regulatory impediments that may hinder these transfers. To enable the monitoring of this requirement, it is proposed to identify, in Unicad, the institutions between which liquidity transfer can occur without such restrictions or impediments.

5. Given these new obligations, it is necessary to amend BCB Normative Instruction No. 330, of 2022, to allow the registration of this information in Unicad.

6. The present Normative Instruction aims to: I - include in BCB Normative Instruction No. 330, of 2022, the procedures for registration in Unicad: of the categories of activities considered for minimum capital calculation purposes; of the links between providing institutions and BaaS service-taking entities with active contracts; and of the information related to the possibility of liquidity transfer between institutions belonging to the same prudential conglomerate; and II - inform that, for institutions operating on June 30, 2026, the Central Bank of Brazil will carry out the initial registration of the categories of operational activities and all services provided for in art. 4 of BCB Resolution No. 517, of 2025, and each institution must review the registrations and terminate the categories of operational activities and services that it does not carry out nor intends to carry out.

7. Regarding the regulatory impact analysis – AIR, Decree No. 10,411, of June 30, 2020, establishes, in its art. 4, the hypotheses of exemption. The present Normative Instruction falls under items II and V, subparagraph “b”, applicable, respectively, to acts intended to regulate obligations defined in a hierarchically superior norm, without technical or legal possibility of different regulatory alternatives, and to acts intended to preserve the liquidity, solvency, or soundness of financial, capital, and exchange markets.

8. The proposed amendment is limited to establishing operational procedures for the registration, in Unicad, of obligations already provided for in BCB Resolution No. 517, of 2025, Joint Resolution No. 16, of 2025, CMN Resolution No. 4,557, of 2017, with the wording given by CMN Resolution No. 5,222, of 2025, and BCB Resolution No. 265, of 2022, with the wording given by BCB Resolution No. 477, of 2025. The act does not create material obligations, but regulates the form of registration of the information necessary for compliance with these norms, which justifies its classification under item II of art. 4 of Decree No. 10,411, of 2020.

9. Additionally, the registration of information related to the possibility of liquidity transfer will contribute to the BCB's monitoring of the timely movement of resources between institutions belonging to the same prudential conglomerate, in normal or stress situations. The measure favors the preservation of the liquidity, solvency, and soundness of the financial system, also justifying its classification under item V, subparagraph “b”, of art. 4 of Decree No. 10,411, of 2020.

10. Thus, based on the foregoing, I understand that the issuance of the present Normative Instruction is exempt from carrying out a regulatory impact analysis.

ANDRÉ MAURÍCIO TRINDADE DA ROCHA

Head of the Financial System Monitoring Department