CMN Resolution No. 5,261 of November 3, 2025, amending Resolution No. 4,753 of September 26, 2019, regarding the opening, maintenance, and closure of deposit accounts

Resolução Nº 5.261

RESOLUÇÃO
CMN Nº 5.261, DE 3 DE NOVEMBRO DE 2025

Amends Resolution No. 4,753, of September 26, 2019, which provides for the opening, maintenance, and closure of deposit accounts.

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 an extraordinary session held on October 30, 2025, based on Articles 3, caput, item V, and 4, caput, item VIII, of the aforementioned Law, and Article 69, sole paragraph, of Law No. 7,357, of September 2, 1985,

R E S O L V E S:

Article 1. Resolution No. 4,753, of September 26, 2019, published in the Official Gazette of the Union on September 30, 2019, shall enter into force with the following amendments:

“Article 6. Financial institutions must close deposit accounts regarding which it is verified:

I - irregularities in the information provided by the holder, considered to be of a serious nature; or

II - the provision of services by the holder client that constitute financial or payment services within the scope of the National Financial System or the Brazilian Payment System, without adequate legal provision or not compliant with the current regulation of the National Monetary Council or the Central Bank of Brazil.

§ 1. The hypothesis of item II of the caput is configured, in a non-exhaustive manner, by the use, by the holder client, of funds held in deposit accounts for payments, receipts, or settlements of obligations on behalf of third parties, which may allow the concealment or substitution of financial obligations of these third parties and prevent their identification.

§ 2. The institution must use its own criteria to identify the provisions of item II of the caput, making use even of information contained in public or private databases.

§ 3. The criteria referred to in § 2 must be documented and approved by the institution's board of directors.

§ 4. Institutions must keep available to the Central Bank of Brazil, for at least ten years, the documentation of the criteria referred to in § 3, as well as documentation related to the closure of deposit accounts closed under the hypotheses provided for in this article.” (NR)

Article 2. This Resolution enters into force on December 1, 2025.

GABRIEL MURICCA
GALÍPOLO
President of the Central Bank of Brazil