Regulatory Alerts2026-05-04 | Resolução BCB 564BCB Resolution No. 564 — Characteristics and Requirements for Special Reduced-Interest Credit Operations under Law No. 15,252 of November 4, 2025
The Central Bank of Brazil issued Resolution No. 564 to regulate special reduced-interest credit operations for individuals, establishing strict eligibility criteria, transparency requirements, and consumer protection measures. The resolution mandates that monthly installments must not exceed 35% of the borrower's gross monthly income and requires explicit consent for specific creditor prerogatives, such as electronic notification and automatic debit authorization, in exchange for reduced interest rates. It further defines the conditions under which these benefits can be revoked due to failed automatic payments, ensuring prospective application of standard interest rates without retroactive penalties.
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