Instruction Normative BCB No. 530 — Amends Circular Letter No. 3,869 of March 19, 2018, which alters and consolidates procedures for reporting information to the Credit Information System (SCR)

Resolution No. 222

INSTRUCTION NORMATIVE
BCB No. 530, OF OCTOBER 9, 2024

Amends
Circular Letter No. 3,869, of March 19, 2018, which alters and consolidates the procedures to be observed in the sending of information to the Credit Information System (SCR), as provided for in Circular No. 3,870, of December 19, 2017.

The Head of the Department of Monitoring of the Financial System (Desig) and the Head of the Department of Statistics (Dstat), substitute, in the exercise of the attribution conferred upon them by art. 23, item I, letter “a”, of the Internal Regulations of the Central Bank of Brazil, annexed to Resolution BCB No. 340, of September 21, 2023,

based, respectively, on arts. 85, item I, letter “b” and 103, item I, of the aforementioned Regulations, having in view the provisions of Circular No. 3,870, of December 19, 2017, with the wording given by Resolution BCB No. 413, of September 19, 2024,

R E S O L V E :

Art. 1º Circular Letter No. 3,869, of March 19, 2018, published in the Official Gazette of the Union on March 20, 2018, shall enter into force with the following alterations:

“Art. 2º-A The provision of the information to the SCR referred to in art. 2º-A, item II, letter “a”, of Circular No. 3,870, of 2017, must be carried out:

I - by the institutions listed in art. 4 of Resolution CMN No.
5,037, of September 29, 2022, and by Payment Institutions, as provided for in art. 2 of Circular No. 3,870, of 2017;

II - by means of the document with code 3044

• Data on Credit Operations Events.

Sole paragraph. The document referred to in this article must be prepared in JSON format (JavaScript Object Notation).” (NR)

“Art. 2º-B The document referred to in art. 2º-A must contain the information on the following events:

I - grants of credit operations;

II - partial payments of credit operations;

III - settlements of credit operations;

IV - renegotiations that imply a reduction or increase in the outstanding balance of the credit operation; and

V - renegotiations that imply the settlement of ongoing credit operations.

§ 1º The information referred to in the caput must be calculated daily, as provided for in art. 2º-A, item II, letter “a”, of Circular 3,870, of 2017, and must be sent by the fifth business day following the date of occurrence of the event that implies a change in the outstanding balance.

§ 2º The sending of a single file containing the information calculated on different days is admitted, provided that the 5 (five) business day deadline is respected in relation to the oldest calculation date.” (NR)

“Art. 3 The layout, the filling instructions and other information necessary for the preparation and sending of the documents referred to in this Instruction Normative are available on the Central Bank of Brazil website, at the electronic address https://www.bcb.gov.br/estabilidadefinanceira/scr.” (NR)

“Art. 14. ....................................................................................................................

I - scr.gestao@bcb.gov.br, when related to the sending of documents with codes 3026, 3040 and 3044; or

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

“Art.
14-A The calculation and sending of the document with code 3044, referred to in arts. 2º-A and 2º-B of this Instruction Normative, must be carried out starting from November 1, 2025.” (NR)

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

ANDRÉ MAURÍCIO TRINDADE DA ROCHA RENATO BALDINI JUNIOR Head of the Department of Head of the Department of Monitoring of the Financial System Statistics substitute

NOTE

The Credit Information System (SCR) is a system in which the credit operations of customers whose direct risk in the financial institution (sum of credit operations, interbank transfers, co-obligations, limits and credits to be disbursed) is equal to or greater than R$ 200.00 (two hundred reais) are registered. The management of the SCR is the competence of the Central Bank, which receives periodic updates from financial institutions, in accordance with the guidelines set forth in art. 2 of Resolution CMN No. 5,037, of September 29, 2022, as well as under the terms of Circular No. 3,870, of December 19, 2017.

2.             The  
   

credit data that constitute the database of the SCR are currently sent to the Central Bank by supervised entities on a monthly basis. With the issuance of Resolution BCB No. 413, of September 19, 2024, which alters Circular No. 3,870, of 2017, it was established that information on events that imply a change in the outstanding balance of a credit operation must also be calculated daily. Consequently, it is necessary to issue an instruction normativity providing for the timely sending of information on the events of grant, payment, settlement or renegotiation of credit operations to the Central Bank.

3.           Therefore,  
   

the present Instruction Normative aims to adapt Circular Letter No. 3,869, of 2018, to the changes made by Resolution BCB No. 413, of 2024, to Circular No. 3,870, of 2017, in order to:

I - create the document with code 3044 - Data on Credit Operations Events, with sending starting from November 2025; and

II - specify the information, the form and the deadline for sending this document.

4.           The  
   

collection of information in the proposed manner will be beneficial for all parties involved, including the Central Bank, financial institutions and clients borrowers of credit operations, who will be able to have updated information in the credit bureau in a more timely manner. In addition, the possibility of sending a single file containing the information calculated on different days, provided that the 5 (five) business day deadline is respected in relation to the oldest calculation date, aims to meet a market demand, enabling each institution to send the information in the manner most suitable for its systems.

5.           The  
   

Decree No. 10,411, of June 30, 2020, regulates the carrying out of regulatory impact analysis (AIR) as a prerequisite for the issuance of normative acts. However, the sending of the information referred to in this IN has been the subject of discussion with representatives of financial institutions since 2020, within the framework of Project SCR3, even before the production of effects of the aforementioned Decree for the BCB (October 14, 2021, according to its art. 24, item II). Therefore, the present normative proposal is not subject to the obligation to carry out an AIR, in accordance with the provisions of art. 22 of this Decree.

ANDRÉ MAURÍCIO TRINDADE DA ROCHA RENATO BALDINI JUNIOR Head of the Department of Head of the Department of Monitoring of the Financial System Statistics substitute