BCB Resolution No. 468 on the Calculation and Submission of Interest and Charges Information for Revolving Credit Card and Invoice Installment Operations

Resolution No. 468

RESOLUTION
BCB No. 468, OF APRIL 30, 2025

Provides for the calculation and submission of information on interest and charges accumulated in revolving credit card operations and invoice installment plans related to credit cards and other post-paid payment instruments.

The Collegiate Board of the Central Bank of Brazil, in a session held on April 30, 2025, based on Arts. 10, caput, item VI, and 37 of Law No. 4,595, of December 31, 1964,

RESOLVES:

Art. 1 This Resolution deals with the calculation and submission of information on interest and charges accumulated in revolving credit card operations and invoice installment plans related to credit cards and other post-paid payment instruments, observing the definitions provided in Art. 2-A of Resolution No. 4,549, of January 26, 2017, by the following institutions:

I - savings and loan associations;

II - National Bank for Economic and Social Development – BNDES;

III - commercial banks;

IV - exchange banks;

V - development banks;

VI - investment banks;

VII - multiple banks;

VIII - savings banks;

IX - mortgage companies;

X - leasing companies;

XI - credit, financing, and investment companies; and

XII - real estate credit companies.

Art. 2 The institutions listed in Art. 1 must send the Central Bank of Brazil the information referred to in that article monthly, in the month following the reference month.

Sole Paragraph. The information referred to in Art. 1 must be calculated on an individualized basis per institution.

Art. 3 The institutions listed in Art. 1 must designate a director responsible for the calculation and submission of the information referred to in this Resolution.

§ 1 It is admitted that the director designated under the caput performs other functions in the institution, provided that the absence of conflict of interest is ensured.

§ 2 The data regarding the director designated under the caput must be recorded and kept updated in the Information System on Entities of Interest of the Central Bank – Unicad, governed by BCB Resolution No. 209, of March 22, 2022.

Art. 4 The Central Bank of Brazil will publish the operational procedures necessary to comply with the provisions of this Resolution, including regarding layouts, format, deadline, and conditions for the submission of the information referred to in this Resolution.

Sole Paragraph. The Central Bank of Brazil may establish a simplified procedure or special conditions to exempt from submission the institution that does not present a balance related to the information referred to in Art. 1 throughout the month.

Art. 5 This Resolution enters into force on July 1, 2025.

DIOGO ABRY GUILLEN GILNEU FRANCISCO ASTOLFI VIVAN

Director of Economic Policy Director of Regulation