BCB Resolution No. 142 — Procedures and Controls for Fraud Prevention in Payment Services

This resolution mandates that financial institutions, payment institutions, and other authorized entities within the Brazilian Payments System (SPB) implement specific fraud prevention controls, including a maximum transaction limit of R$1,000 between distinct natural person clients during night hours (8 PM to 6 AM), excluding individual entrepreneurs. Institutions must enforce a minimum 24-hour processing period for client requests to increase these limits and are required to reject transactions involving accounts with founded suspicion of fraud, notifying account holders of such rejections. Additionally, institutions must provide clients with options to set custom time-based limits or pre-register authorized accounts exceeding standard thresholds, maintain detailed daily fraud logs, submit consolidated monthly reports to internal governance bodies, and retain all records for five years.

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BCB RESOLUTION NO. 142, OF SEPTEMBER 23, 2021

Establishes procedures and controls for the prevention of frauds in the provision of payment services to be adopted by financial institutions, other institutions authorized to operate by the Central Bank of Brazil, and payment institutions that are part of the Brazilian Payments System (SPB).

The Collegiate Board of Directors of the Central Bank of Brazil, in a session held on September 23, 2021, based on the provisions of Article 7, items II, IV, and V, Article 9, items II and IX, and Article 15 of Law No. 12,865, of October 9, 2013, and considering the provisions of Articles 3, items III, V, and VI, and 14 of Resolution No. 4,282, of November 4, 2013,

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Amended 2 times · last 2026-08-07

Source: Banco Central do Brasil — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works