BCB Resolution No. 565 — Amends BCB Resolution No. 51 of December 16, 2020, Which Establishes Procedures for Authorizing and Canceling Account Debit Authorizations

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Resolution No. 565

BCB RESOLUTION NO. 565, OF MAY 4, 2026

Amends BCB Resolution No. 51, of December 16, 2020, which establishes procedures for authorizing and canceling account debit authorizations. The Collegiate Board of the Central Bank of Brazil, in a session held on April 30, 2026, based on arts. 6, § 1, 7 and 9, caput , items II, IX and X, of Law No. 12,865, of October 9, 2013, and 11 and 17 of Law No. 15,252, of 4 November 2025, and considering the provisions of arts. 3 and 13 of Resolution No. 4,282, of November 4, 2013, and 4 of CMN Resolution No. 5,299, of May 4 2026,

R E S O L V E S:

Art. 1 The summary of BCB Resolution No. 51, of December 16, 2020, published in the Official Gazette of the Union on December 17, 2020, shall be amended as follows:
“Provides for automatic debit.” (NR)
Art. 2 BCB Resolution No. 51, of December 16, 2020, published in the Official Gazette of the Union on December 17, 2020, shall be amended as follows:
“Art. 1 This Resolution establishes procedures for authorizing and canceling authorization for debits in deposit accounts, prepaid payment accounts, and salary accounts to be observed by financial institutions and other institutions authorized to operate by the Central Bank of Brazil.” (NR)
“Art. 2 ...................................................................................................................................
I - depository institution: financial institution or institution authorized to operate by the Central Bank of Brazil holding the deposit account, prepaid payment account, or salary account to be debited; and II - receiving institution: financial institution or institution authorized to operate by the Central Bank of Brazil receiving the funds related to the account debit or holding the account to be credited.” (NR) “Art. 3 The processing of debits in the accounts mentioned in Art. 1 requires prior and express authorization from its holder. § 1 Authorization for account debits may be formalized at the depository institution or through the receiving institution.
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§ 4 It is prohibited to specify more than one account for processing debits, except in cases where debit authorization is formalized by the client at the depository institution or for debit authorization to pay for credit operations or financial leasing, as provided in Art. 4.” (NR) “Art. 4 In cases of debits related to the payment of credit operations or financial leasing, additionally to the requirements contained in Art. 3, the authorization for debits in the accounts mentioned in Art. 1 must be contained in a specific instrument and:
I - be individualized and linked to each contract; II - stipulate the debit date; III - specify the account for processing debits, with more than one account permitted, respecting the precedence order defined by the holder; IV - stipulate the validity period of the authorization; and V - contain unequivocal statements from the holder of the account regarding the eventual option to process debits:
a) against a credit limit in the account, if applicable; b) arising from overdue obligations, including through partial postings; and c) on a date different from that previously agreed upon, in case the debit is not processed on the date defined by the authorization. § 1 Processing debits that result in the granting of advances to depositors is prohibited. § 2 The specific instrument referred to in the caput must be freely chosen by the holder of the account, including regarding the specification of accounts to be debited. § 3 Debiting an account not previously specified is permitted, through an amendment to the specific instrument referred to in the caput. § 4 The option for automatic debit covers the principal and charges applicable under normal conditions, including any interest and monetary correction. § 5 If the holder of the account has opted for debit arising from an overdue obligation, including through partial postings, the debit may be added with default charges, covering fines and late interest. § 6 Simultaneous debits in one or more accounts specified in the debit authorization are prohibited, even for partial amounts, and the precedence order referred to in item III of the caput must be observed.” (NR) “Art. 5 Authorization for debits in the accounts mentioned in Art. 1 formalized by the holder through the receiving institution must observe the following procedures:
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II -
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b) indicate the debit options defined by the client as provided in Art. 4, caput, items II to V; and
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§ 3 The depository institution may only refuse automatic debit authorization with a reasoned, clear, and objective justification, which must be communicated to the receiving institution within two business days from the date of its receipt.” (NR) “Art. 6 The holder of the accounts mentioned in Art. 1 is assured the right to cancel the debit authorization, except in cases provided for in current regulations. Sole paragraph. Cancellation of the authorization for account debits may be formalized at the depository institution or through the receiving institution, observing the provisions of Art. 9.” (NR) “Art. 7 Cancellation of the authorization for debits in the accounts mentioned in Art. 1 through the receiving institution must observe the following procedures:
.......................................................................................................................................” (NR) “Art. 8 The depository institution must notify the holder of the account and, if applicable, also the receiving institution, of the acceptance of the cancellation of the authorization for debits in the accounts mentioned in Art. 1 within two business days from the date of its receipt.” (NR) “Art. 9 Cancellation of the authorization for debits in the accounts mentioned in Art. 1 regarding operations covered by Art. 4 must be requested by the holder through the receiving institution, observing the provisions of Art. 6, caput. .......................................................................................................................................” (NR)
“Art. 12. ..................................................................................................................................
I - the list of active account debit authorizations on the date of the holder's inquiry; II - the amounts of processed debits related to the authorizations referred to in item I to be posted to the account in the future, at least within the next two business days from the date of the inquiry by the holder; and III - in the case of debit authorization regarding operations covered by Art. 4:
a) data allowing identification of the credit contract and the installment to which the debit refers; and b) the amount to be posted to the account in the future to settle the installments, with a minimum advance of two business days, specifying the value of any charges, monetary correction, fines, and interest.
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§ 3 The information referred to in item
III of the caput must also be provided via notification upon each processing of the automatic debit.
§ 4 The information referred to in item
III of the caput, observing § 3, must also be provided to the credit borrower by the receiving institutions.” (NR) “Art. 13-A. The inclusion of a clause providing for:
I - a reduction applied to the stipulated remunerative interest rate, in the event that the holder authorizes payment of contractual obligations through account debit; and II - exclusion of the reduction referred to in item I, in the event of cancellation of the debit authorization, initiated by the holder, without the corresponding indication of another authorization to replace it, is permitted in credit operation and financial leasing contracts. Sole paragraph. In the event that the contractual clause referred to in this article is included, credit operation or financial leasing contracts must disclose the remunerative interest rates and the Effective Total Cost – CET applicable in each of the scenarios provided for in items I and II of the caput.” (NR) “Art. 14-A. Cost reimbursement between institutions is limited to those directly and demonstrably incurred in providing or facilitating the automatic debit. Sole paragraph. The reimbursement value referred to in the caput may not be passed on to the client or user.” (NR) Art. 3 This Resolution enters into force on July 1, 2027.

GILNEU FRANCISCO ASTOLFI
VIVAN
Director of Regulation