Regulatory Alerts2026-07-21 | Instrução Normativa BCB 765Added · Updated
BCB Normative Instruction No. 765 — Procedures for Information on Allocation of Savings and Interbank Real Estate Deposit Funds
This Normative Instruction establishes procedures for reporting information related to the allocation of funds raised from savings deposits and interbank real estate deposits, as mandated by Resolution No. 4,676 of July 31, 2018. Specifically, Article 2 requires that the value reported in CodItem 6181 must correspond to the non-negative balance at the end of the reference month for the control account recording total eligible values of housing financing operations contracted from January 1, 2027, under the Housing Financial System conditions.
The Head of the Department of Regulation of the Financial System (Denor) and the Head of the Department of Banking Operations and Payment System (Deban), in the exercise of the attribution conferred upon them by art. 23, item I, subparagraph "a", of the Internal Regulations of the Central Bank of Brazil, annexed to BCB Resolution No. 340, of September 21, 2023, and in view of the provisions of Resolution No. 4,676, of July 31, 2018, R E S O L V E :
CHAPTER I OBJECT AND SCOPE OF APPLICATION
Art. 1 This Normative Instruction establishes the procedures for providing information related to the allocation of funds raised from savings deposits and interbank real estate deposits, as provided for in Resolution No. 4,676, of July 31, 2018.
CHAPTER II APPLICATIONS IN RESIDENTIAL REAL ESTATE FINANCING OPERATIONS CONTRACTED FOR THE PURPOSE OF MEETING THE APPLICATION REQUIREMENT IN THE HOUSING FINANCIAL SYSTEM
Section I Applications in Residential Real Estate Financing Contracted under the Conditions of the Housing Financial System from January 1, 2027
Art. 2 The value reported in CodItem "6181 - CONTROL ACCOUNT BALANCE HOUSING FIN. SFH ART. 19-A RES. 4676" must correspond to the balance at the end of the reference month, necessarily non-negative, of the control account referred to in art. 19-A, § 1, item I, of Resolution No. 4,676, of 2018, used to record the total eligible values of housing financing operations covered by that Resolution, contracted from January 1, 2027, under the conditions of the Housing Financial System.
Art.