BCB RESOLUTION

NO. 179, OF JANUARY 19, 2022

Consolidates and revises regulations on the National Financial System Client Register (CCS).

The Collegiate Board of the Central Bank of Brazil, in a session held on January 19, 2022, based on the provisions of Articles 10, item IX, 11, item VII, and 37 of Law No. 4,595, of December 31, 1964, Articles 3 and 4 of Law No. 4,728, of July 14, 1965, Article 20, paragraph 2, of Law No. 4,864, of November 29, 1965, Article 8 of Decree-Law No. 2,291, of November 21, 1986, Article 7 of Law No. 6,099, of September 12, 1974, Article 10-A of Law No. 9,613, of March 3, 1998, Article 1, items I and III, of Law No. 10,194, of February 14, 2001, Article 6 of Law No. 11,795, of October 8, 2008, Article 1, paragraph 1, of Complementary Law No. 130, of April 17, 2009, and Article 9 of Law No. 12,865, of October 9, 2013,

RESOLVES:

Art. 1. The National Financial System Client Register (CCS) is intended for the registration of information regarding clients and legal or conventional representatives of clients of financial institutions and other institutions authorized to operate by the Central Bank of Brazil.

Sole paragraph. For the purposes of this Resolution, a client is considered to be a natural or legal person, resident, domiciled, or with headquarters in the country or abroad, who holds ownership of accounts or financial assets in the form of goods, rights, and values maintained or administered in the institutions referred to in the main text.

Art. 2. The CCS consists of an informatized system, managed by the Central Bank of Brazil, with the objective of:

I - storing the following client information, as well as that of their legal or conventional representatives:

a) registration number with the Individual Taxpayer Registry (CPF) or the National Registry of Legal Entities (CNPJ);

b) CNPJ number of the institution with which it maintains a relationship;

c) start dates and, if applicable, end dates of the relationship with the institution;

II - facilitate the fulfillment of requests, made by legally competent authorities, for detailed information on:

a) relationships maintained between the institutions referred to in Article 1 and their clients and respective legal or conventional representatives, based on data related to the CPF or CNPJ;

b) clients and legal or conventional representatives of clients of the institutions referred to in Article 1, based on the set of data composed of the account number, agency code, and CNPJ of the institution.

§ 1. For the purposes of fulfilling the requests referred to in item II of the main text, the accounts and financial assets referred to in Article 1 must be grouped according to the nature of the good, right, or value, as follows:

I - Group 1: checking accounts;

II - Group 2: savings accounts;

III - Group 3: investment accounts;

IV - Group 4: other goods, rights, and values;

V - Group 5: accounts for deposits in national currency, in the country, owned by natural or legal persons resident, domiciled, or with headquarters abroad; and

VI - Group 6: prepaid payment accounts, excluding payment accounts held by end users exclusively for contributing resources related to social benefit programs established within the municipal, state, or federal scope.

§ 2. The details referred to in item II, letter "a", of the main text must include the following information:

I - nature of the account or existence of other financial assets, according to the grouping established in § 1;

II - account number and respective agency, when applicable, for assets included in Groups 1, 2, 3, 5, and 6;

III - date of opening of each account owned by the client and, when applicable, the respective closure date;

IV - start date and, when applicable, end date of the relationship resulting from the maintenance of financial assets included in Group 4;

V - type of relationship maintained with the natural or legal person, indicating whether it is an owner, legal representative, or conventional representative;

VI - full name or corporate name of the owners and respective legal or conventional representatives, when applicable; and

VII - start date of the validity of the relationship as a legal or conventional representative and, when applicable, the respective end date.

§ 3. The details referred to in item II, letter "b", of the main text must include the following information:

I - nature of the account, according to the grouping established in § 1;

II - date of opening and, when applicable, date of closure of the account;

III - full name or corporate name of the account owners and respective legal or conventional representatives, when applicable;

IV - type of relationship maintained with the natural or legal person, indicating whether it is an owner, legal representative, or conventional representative; and

V - start date of the validity of the relationship as a legal or conventional representative and, when applicable, the respective end date.

Art. 3. The institutions referred to in Article 1 are responsible for the accuracy and timeliness of data provision to the CCS, for its daily update, and for fulfilling requests for detailed information referred to in Article 2, item II.

Sole paragraph. Institutions must maintain a database to fulfill requests for detailed information for a period of 10 (ten) years after the date of termination of the relationship with their clients, without prejudice to its conservation for the purpose of complying with other legal and regulatory provisions.

Art. 4. The institutions referred to in Article 1 must transmit to the Central Bank of Brazil the information mentioned in Article 2, relating to a specific base date, by 8 (eight) o'clock on the corresponding transaction date.

§ 1. For the purposes of this Resolution:

I - base date is the date on which the event subject to the information to be provided occurs, corresponding:

a) to the dates of its start and end, in the case of information on relationships referred to in Article 2, item I;

b) to the date of its execution, in the case of requests for detailed information referred to in Article 2, item II;

II - transaction date is the deadline for transmitting information to the Central Bank of Brazil, corresponding:

a) to the second business day following the base date, in the case of information on relationships referred to in Article 2, item I; and

b) to the business day following the request, in the case of requests for detailed information referred to in Article 2, item II.

§ 2. The institutions referred to in Article 1 that do not relate to clients in the manner of the sole paragraph of that article may be exempted from transmitting the information referred to in Article 2, provided that this fact is communicated in the manner provided for in Article 5, item I, letter "a".

§ 3. Institutions that constitute a prudential conglomerate, in accordance with specific regulations, may establish a grouping of institutions to transmit the information referred to in Article 2 through one of its members, which will be responsible for observing the deadlines and conditions established in this Resolution, without excluding the eventual application of penalties to the institutions members of the prudential conglomerate responsible for the practice of administrative offenses.

§ 4. Single credit cooperatives that are part of a credit cooperative system, in accordance with specific regulations, may transmit the information referred to in Article 2 through the central credit cooperative or the confederation constituted by central credit cooperatives, which will be responsible for observing the deadlines and conditions established in this Resolution, without excluding the eventual application of penalties directly to the single credit cooperative responsible for the practice of administrative offenses.

Art. 5. The institutions referred to in Article 1 must notify the Central Bank of Brazil:

I - within 10 (ten) business days:

a) its status as exempt from providing information, as provided in Article 4, § 2, as well as its return to the status of obliged to provide such information;

b) its status as a member of a grouping of institutions, as provided in Article 4, § 3, as well as its return to the status of non-member;

c) its status as a member of a credit cooperative system, as provided in Article 4, § 4, as well as its return to the status of non-member;

d) its status as responsible for transmitting information, on behalf of each institution member of the grouping formed according to the provisions of Article 4, § 3, or of each single credit cooperative member of a credit cooperative system according to the provisions of Article 4, § 4, as well as the extinction of this responsibility; and

e) its choice of the transmission medium to be used in the transmission of messages, as well as the alteration of the previously exercised choice;

II - within 30 (thirty) business days, its status as relieved from providing information due to transformation, change of control, or any modality of corporate reorganization.

Art. 6. For the information referred to in Article 2 and for the communications referred to in Article 5, the following must be observed:

I - the Domain Dictionary associated with the Service Catalog of the National Financial System and use the messages and files specified therein, published through communications of the Central Bank of Brazil; and

II - the operational conditions established by the areas of the Central Bank of Brazil involved.

Sole paragraph. The provision of item II of the main text applies even to the operational conditions to be observed by institutions that do not yet provide the detailed information referred to in Article 2, item II.

Art. 7. The institutions referred to in Article 1 must designate a director responsible for compliance with this Resolution.

§ 1. For the purposes of the responsibility referred to in the main text, it is admitted that the designated director performs other functions in the institution, except those related to the administration of third-party resources.

§ 2. The director designated in the manner of the main text must be registered directly in the Information System on Entities of Interest of the Central Bank (Unicad).

Art. 8. The following are revoked:

I - Circular No. 3,347, of April 11, 2007;

II - Article 5, item XII, of Circular No. 3,504, of August 6, 2010; and

III - Article 8 of Circular No. 3,705, of April 24, 2014.

Art. 9. This Resolution enters into force on February 1, 2022.

Mauricio Costa de Moura
Director of Relationships, Citizenship, and Conduct Supervision