Central Bank of Brazil Instruction Normative No. 776 — Amends the Effective Dates of Instruction Normative No. 754

INSTRUCTION NORMATIVE BCB
NO. 776, OF
SEPTEMBER 17, 2026

Amends the effective dates of Instruction Normative No. 754, of July 1, 2026, which amends Instruction Normative BCB No. 330, of November 24, 2022, which consolidates the procedures for the registration of cadastral information in the System of Information on Entities of Interest to the Central Bank – Unicad, as provided for in Resolution BCB No. 209, of March 22, 2022.

The Head of the Financial System Monitoring Department – Desig, using the authority granted by art. 23, item I, letter “a”, of the Internal Regulations of the Central Bank of Brazil, published through Resolution BCB No. 340, of September 21, 2023, based on art. 85, item I, letter “b”, of the aforementioned Regulations, considering the provisions of Joint Resolution No. 16, of November 28, 2025, CMN Resolution No. 4.557, of February 23, 2017, and BCB Resolutions Nos. 209, of March 22, 2022, 265, of November 25, 2022, and 517, of November 3, 2025,

RESOLVES:

Art. 1º
The
Instruction Normative BCB No. 754, of July 1, 2026, published in the Official Gazette of the Union (DOU) on 7/2/2026, Section 1, p. 112, shall enter into force with the following alterations:

“Art.
3º
This Instruction Normative enters into force on the date of its publication, producing effects:

.................................................................................................................................................

II

• on October 1,
  2026, regarding the inclusion of art. 10-G; and

III

• on
  November 1,
  2026, regarding the inclusion of art. 10-H.”
  (NR)

Art.
2º This Instruction Normative enters into force on the date of its publication.

ANDRÉ MAURÍCIO TRINDADE DA ROCHA

NOTE

The System of Information on Entities of Interest to the Central Bank – Unicad, as provided for in Resolution BCB No. 209, of March 22, 2022, was established with the objective of maintaining, in a single database, information cadastral about financial institutions, other institutions authorized to operate and natural and legal persons who are subject to some type of authorization or registration by the Central Bank of Brazil – BCB, or of interest to this Autarchy. The Instruction Normative BCB No. 330, of November 24, 2022, establishes the procedures for the registration and update of the respective information in Unicad.

2. The
   Joint Resolution No. 16, of November 28, 2025, regulates the provision of Banking as a Service – BaaS services. According to its art. 20, item I, the provider institution must keep updated, with the BCB, the information regarding the taker entities with active contracts. For the purpose of registration in Unicad, the proposal is limited to identifying the link between the provider institution and the taker entity.

3. For
   its part, CMN Resolution No.
   4.557, of February 23, 2017, provides for the risk management structure, the capital management structure and the information disclosure policy of institutions subject to the prudential regime of the National Monetary Council. Resolution BCB No. 265, of November 25, 2022, provides for the same matters for institutions classified as Type 3 and framed in segments S2, S3 or S4. Within the scope of these two prudential regimes, CMN Resolution No. 5.222 and BCB Resolution No. 477, both of May 30, 2025, amended, respectively, the norms mentioned to include, in arts. 38 and 40, the requirement that the liquidity risk management structure ensure the timely transfer of resources between institutions belonging to the same prudential conglomerate, in normal or stress situations, and identify any statutory or contractual restrictions and legal or regulatory impediments that could hinder these transfers. To facilitate the monitoring of this requirement, it is proposed to identify, in Unicad, the institutions between which liquidity transfer can occur without such restrictions or impediments.

4. Based on the provisions in the
   Resolutions cited in paragraphs 2 and 3, Instruction Normative No.
   754 was published, on July 1, 2026, amending Instruction Normative No. 330, of November 24, 2022, to include in it articles 10-G, relating to the registration of BaaS service takers, and 10-H, relating to the registration of liquidity transfer in the prudential conglomerate.

5. The
   Instruction Normative No. 754, of 2026, established that the registration relating to art. 10-G should be made from September 1, 2026, and the one relating to art. 10-H, from October 1, 2026. However, due to the need for operational adjustments of Unicad, the referenced registration deadlines will be changed. The effective date of art. 10-G will be changed to October 1, 2026 and that of 10-H, to November 1, 2026.

6. Decree No. 10.411, of June 30,
   2020, provides for Regulatory Impact Analysis – AIR as a requirement for the issuance of normative acts. However, art. 4º of the aforementioned decree provides for exemptions from carrying out AIR.

7. The
   present Instruction Normative falls, especially, under the hypothesis provided for in item IV of art. 4º of Decree No. 10.411, of 2020, namely: normative act aimed at updating or revoking norms considered obsolete, without change of merit, given that the alteration now proposed in this Instruction Normative aims solely to postpone the entry into force of registrations in Unicad, as provided for in Resolution BCB No. 209, of 2022.

8. Thus, based on the exposition in paragraphs 6 and 7, I understand that the issuance of the
   present Instruction Normative is exempt from carrying out regulatory impact analysis.

ANDRÉ MAURÍCIO TRINDADE DA ROCHA

Head of the Department of Financial System Monitoring