CMN Resolution No. 5320 - Provisions on the Blocking of Accounts and Impediment of Financial Transactions for Individuals and Legal Entities Operating Fixed-Odds Betting Lotteries Without Authorization

The Central Bank of Brazil, in accordance with Article 9 of Law No. 4,595 of December 31, 1964, makes public that the National Monetary Council, in a session held on June 25, 2026, based on Article 7 of Decree No. 13,033 of June 19, 2026, and considering the provisions of Article 21-A of Law No. 14,790 of December 29, 2023,

RESOLVES:

Article 1. This Resolution provides for the blocking of accounts and the impediment of financial transactions of natural and legal persons who operate the fixed-odds betting lottery modality without authorization from the competent authority in accordance with federal legislation, to be adopted by financial institutions and payment institutions that are part of the Brazilian Payments System – SPB.

Article 2. The institutions referred to in Article 1, within a period of up to twenty-four hours from receipt of the blocking notification issued by the Prize and Betting Secretariat of the Ministry of Finance, must block all checking accounts, savings deposit accounts, prepaid payment accounts, and registration accounts held therein, owned by natural or legal persons who irregularly operate the fixed-odds betting lottery modality, expressly specified in the blocking notification referred to in Articles 5 and 6 of Decree No. 13,033 of June 19, 2026.

Sole Paragraph. From the blocking referred to in the caput, the institutions referred to in Article 1 must:

I - reject financial movements, including payment transactions, with funds originating from blocked accounts; and

II - inform account holders about the blocks implemented, specifying the grounds and sending copies of the irregularity confirmation report, referred to in Article 4 of Decree No. 13,033 of June 19, 2026, and the blocking notification.

Article 3. The institutions referred to in Article 1 and the issuers of payment arrangements that are part of the SPB, within a period of up to twenty-four hours from receipt of the blocking notification issued by the Prize and Betting Secretariat, must:

I - begin to reject payment transactions destined for accounts subject to blocking in accordance with this Resolution, in cases where they detect values destined, directly or indirectly, to carry out fixed-odds bets; and

II - implement procedures that prevent the execution of new transactions whose purpose is, directly or indirectly, to facilitate the irregular operation of the fixed-odds betting lottery by the irregular operator agents identified in the blocking notification.

Article 4. The institutions referred to in Article 1 and the issuers of payment arrangements that are part of the SPB, within a period of up to forty-eight hours from receipt of the blocking notification, must communicate to the Prize and Betting Secretariat the measures adopted to comply with the provisions of this Resolution, without prejudice to the sending of other information requested by that Secretariat in the exercise of its own regulatory power.

Article 5. The institutions mentioned in Article 1 must unblock the accounts:

I - in the event of a final administrative decision favorable to the account holder in the proceedings referred to in Articles 14 and 15 of Decree No. 13,033 of June 19, 2026; and

II - after the conversion into judicial deposit of the values in the blocked accounts, in the case of Article 18, § 2º, of Decree No. 13,033 of June 19, 2026, without prejudice to other obligations applicable in the case.

Sole Paragraph. In the event of a judicial decision confirming the forfeiture of the values, in the proceedings referred to in Articles 14 and 15 of Decree No. 13,033 of June 19, 2026, the institutions mentioned in Article 1 must close the accounts of the holders.

Article 6. Non-compliance with this Resolution results in the application of the penalties provided for in Law No. 14,790 of December 29, 2023.

Article 7. This Resolution enters into force on August 28, 2026.

GABRIEL MURICCA GALÍPOLO
President of the Central Bank of Brazil