BCB Resolution No. 562 of April 30, 2026

Resolution No. 562

RESOLUTION
BCB No. 562, OF APRIL 30, 2026

Amends Resolution
BCB No. 264, of November 25, 2022, which provides for the registration of receivables resulting from transactions within the scope of a payment arrangement based on a post-paid account and a demand deposit that is part of the Brazilian Payments System, to alter procedures related to the cancellation of pre-contracted anticipation.

The Collegiate Board of Directors of the Central Bank of Brazil, in a session held on April 30, 2026, based on arts. 9 of Law No. 4.595, of December 31, 1964,

28, full text
, item II, of Law No. 12.810, of May 15, 2013, and 9, full text , items I and X, of Law No. 12.865, of October 9, 2013, and having in view the provisions of arts. 2, full text , item II, letter “b”, of Resolution No. 4.593, of August 28 2017, and 4 and 5 of Resolution No. 4.734, of June 27, 2019, R E

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Art.

1

The
Resolution BCB No. 264, of November 25, 2022, published in the Official Gazette of the Union on November 28, 2022, shall enter into force with the following alterations:
“Art. 7 The accredited institutions must:
I - request from the system operator institution with which they maintain an operational connection the dismantling of liens and encumbrances associated with a contract for the promise of assignment of receivables of a payment arrangement or to a contract that produces equivalent effects entered into with the end-user receiver within two business days after receiving the communication of contract rescission made by the end-user receiver; and II - carry out the cancellation of the pre-contracted anticipation operation on the receivables agenda within four business days after receiving the cancellation request for the operation made by the end-user receiver. § 1 The communication of rescission and the request cancellation referred to in items I and II of the full text may be made by a participant of the registration system, with the authorization of the end-user receiver, through the registration system with which the accredited institution has a relationship. § 2 In the event of non-compliance, by the institutions accredited, with the deadlines established in items I and II of the full text for the request for the dismantling of encumbrances and liens or for the carrying out of the cancellation of the pre-contracted anticipation operation on the receivables agenda, it shall be the responsibility of the institution operator of the registration system, when the communication of rescission and the request cancellation are carried out in the manner referred to in § 1:
I - automatically carry out, from the next business day after the deadline expires, the adjustment in the priority of the other contracts applied to the receivables agenda in relation to the contract for the promise of assignment subject to rescission; and II - inform the Central Bank of Brazil about the non-compliance with the provisions of item I or item II of the full text , in a report monthly as referred to in art. 15, full text , item XII, according to parameters to be established by this Autarchy. § 3 The accredited institution must inform the registration system of the end of the validity of the pre-contracted anticipation operation on the receivables agenda on the same day of the cancellation of the operation. § 4 The effects of the cancellation of the operation of pre-contracted anticipation shall apply only to the receivables constituted associated with the payment arrangement transactions carried out after said cancellation, including for the purpose of registration of the receivables.” (NR) Art. 2 The art. 1 of Resolution BCB No. 514, of October 21, 2025, published in the Official Gazette of the Union on October 23, 2025, is revoked, in part that alters art. 7 of Resolution BCB No. 264, of November 25, 2022, published in the Official Gazette Union of November 28, 2022. Art. 3 This Resolution enters into force:
I - on May 11
2026, regarding art. 1; and
II - on the date of its publication, regarding art. 2.

GILNEU FRANCISCO
ASTOLFI VIVAN
Director of Regulation