CMN Resolution No. 5265 — Amends Resolution CMN No. 5057 Regarding the Portability of Credit and Financial Leasing Operations

Resolution No. 5.265

CMN RESOLUTION NO. 5,265,
OF NOVEMBER 28, 2025

Amends Resolution CMN No. 5,057, of December 15, 2022, which provides for the portability of credit operations and financial leasing.

The Central Bank of Brazil, in accordance with Article 9 of Law No. 4,595, of December 31, 1964, makes it public that the National Monetary Council, in a session held on November 27, 2025, based on Articles 4, caput, items VI and VIII, of the aforementioned Law, 20, § 1, of Law No. 4,864, of November 29, 1965, 1 of Decree-Law No. 70, of November 21, 1966, 33-E of Law No. 9,514, of November 20, 1997, 7 and 23, caput, item "a", of Law No. 6,099, of September 12, 1974, 1, caput, item II, of Law No. 10,194, of February 14, 2001, and 1, § 1, of Complementary Law No. 130, of April 17, 2009,

R E S O L V E S:

Art. 1. Resolution CMN No. 5,057, of December 15, 2022, published in the Official Gazette of the Union on December 19, 2022, shall be amended as follows:

“Art. 5. The exchange of information between the original creditor institution and the proposing institution must be carried out through:

I - an electronic system managed by an operator entity of a registration, deposit, clearing, or settlement system authorized to operate by the Central Bank of Brazil; or

II - the Open Finance infrastructure.

§ 1. The means mentioned in the caput must assign a specific identification code for the portability, to be used in the exchange of information between the institutions.

§ 2. Institutions must not allow the portability of credit from the same credit contract if the portability request is pending in one of the means referred to in the caput.” (NR)

“Art. 8. The original creditor institution must request the proposing institution to transfer the resources necessary to effectuate the portability within the following timeframes, counted from the date of receipt of the request referred to in Art. 7:

I - within five business days, for the exchange of information regarding portability carried out through the means provided for in Art. 5, item I; and

II - within three business days, for the exchange of information regarding portability carried out through the means provided for in Art. 5, item II.

.......................................................................................................................................” (NR)

“Art. 17-B. The credit portability through Open Finance must comply with the provisions of this Resolution and specific regulation.” (NR)

Art. 2. This Resolution enters into force on the date of its publication.

GABRIEL MURICCA GALÍPOLO

President of the Central Bank of Brazil