BCB Resolution No. 497 — Amends BCB Resolution No. 256 of November 1, 2022, which regulates Electronic Available Transfer – TED

Resolution No. 497

BCB RESOLUTION NO. 497, OF SEPTEMBER 5, 2025

Amends
BCB Resolution No. 256, of November 1, 2022, which regulates the Electronic Available Transfer – TED.

The Collegiate Board of the Central Bank of Brazil, in a session held on September 3, 2025, based on art. 10 of Law No. 10,214, of March 27, 2001, and arts. 3, 5, caput, item I, and 12 of CMN Resolution No. 4,952, of September 30, 2021,

R E S O L V E:

Art. 1º BCB Resolution No. 256, of November 1, 2022, published in the Official Gazette of the Union on November 4, 2022, shall enter into force with the following alterations:

“Art. 1º-A For the purposes of this Resolution, the following are considered:

I - fund transfer order: an order by which, in a fund transfer settlement system, the transfer between settlement accounts of participants is commanded;

II - Network of the National Financial System – RSFN: a data communication structure, whose purpose is to support the traffic of information within the National Financial System – SFN for authorized services, in accordance with current regulations; and

III - Information Technology Service Provider – PSTI: entity authorized to provide data processing services, for the purpose of accessing the RSFN, to institutions authorized to operate by the Central Bank of Brazil, in accordance with current regulations.” (NR)

“Art. 3º-A The TED in favor of a client with a value equal to or greater than R$15,000.00 (fifteen thousand reais) may not be issued by an institution that connects to the RSFN through a PSTI.

§ 1º The maximum limit referred to in the caput does not apply when the institution:

I - accesses the RSFN through a PSTI that has completed the accreditation process with the Central Bank of Brazil, in accordance with current regulations; and

II - demonstrates, through a reasonable assurance report issued by an independent audit firm registered with the Securities and Exchange Commission – CVM, that:

a) it does not share with the PSTI the private keys registered with the Central Bank of Brazil used for signing messages;

b) validates the integrity of transactions before signing, ensuring that the data has not been corrupted or manipulated during the message generation process; and

c) uses distinct certificates for different environments.

§ 2º Upon request by the institution, the Central Bank of Brazil may waive, for a period of ninety days or until the requirements set forth in § 1 are met, whichever occurs first, the observance of the limit referred to in the caput, provided that:

I - the request is accompanied by a formal document presenting guarantees and describing the measures already adopted by the institution to improve its information security controls; and

II - the guarantees and measures referred to in item I are, at the discretion of the Central Bank of Brazil, adequate to mitigate the risks involved.

§ 3º The waiver provided for in § 2:

I - shall take effect from the formal communication to the participant of the decision of the Central Bank of Brazil accepting the request; and

II - shall be governed by a joint act of the Information Technology Department – Deinf and the Strategic Management and Specialized Supervision Department – Degef.” (NR)

Art. 2º The sole paragraph of art. 1 of BCB Resolution No. 256, of November 1, 2022, published in the Official Gazette of the Union on November 4, 2022, is hereby revoked.

Art. 3º This Resolution enters into force on the date of its publication.

DIOGO ABRY GUILLEN

Acting Director of Monetary Policy

Acting Director of Financial System Organization and Resolution