Normative Instruction BCB No. 327 — Amends the Layout and Filling Instructions for Document 3040 - Credit Risk Data of the Credit Information System (SCR)

NORMATIVE INSTRUCTION BCB NO. 327, OF NOVEMBER 22, 2022

Amends the Layout and Filling Instructions for Document 3040 - Credit Risk Data of the Credit Information System (SCR), as addressed by Circular No. 3,870, of December 19, 2017, and Circular Letter No. 3,869, of March 19, 2018.

The Head of the Financial System Monitoring Department (Desig), in the exercise of the authority conferred by Article 23, item I, letter 'a', of the Internal Regulations of the Central Bank of Brazil, annexed to Ordinance No. 84,287, of February 27, 2015, based on Article 77, item III, of said Regulations, in view of the provisions of CMN Resolution No. 5,037, of September 29, 2022, Circular No. 3,870, of December 19, 2017, and Circular Letter No. 3,869, of March 19, 2018,

RESOLVES:

Article 1. The new versions of the Layout, the Filling Instructions, and the Manual of Negotiation Information for Operations of Document 3040 - Credit Risk Data, available on the Central Bank of Brazil's internet page, at the electronic address https://www.bcb.gov.br/estabilidadefinanceira/scrdoc3040, enter into force according to the specified schedule.

Article 2. Starting from the data base of December 2022, the following modification in the Filling Instructions comes into force:

I - in letter D. Operation Information, item 1. Basic Operation Information - (tag <Op>), modality (attribute "Mod") 2. Loans, item i. Personal credit - with payroll deduction: inclusion of instructions for payroll-deducted loan operations of Auxílio Brasil, with the Ministry of Citizenship as the withholding entity.

Article 3. Starting from the data base of May 2023, the following modifications come into force:

I - in the Layout:

a) in Annex 8 - Special Characteristic – CaracEspecial: inclusion of domain 37, with the description "Advances to Depositors Operations originating from Guaranteed Accounts";

II - in the Filling Instructions:

a) in letter D. Operation Information, item 1. Basic Operation Information - (tag <Op>):

1. modality (attribute "Mod") 2. Loans, item v. Credit card - purchase, billed or financed withdrawals by the issuing institution: alteration in the instruction for Consign Credit Card operations;

2. special characteristic (attribute "CaracEspecial"): inclusion of domain 37, with the description "Advances to Depositors Operations originating from Guaranteed Accounts";

b) in letter D. Operation Information, item 2. Maturity Value - (tag <Venc>), maturity code (attribute "vCOD"): inclusion of letter 'h' with instructions for operations with early maturity clauses.

III - in the Manual of Negotiation Information for Operations:

a) in letter B. General Definitions, item Summary, in Summary Table of Negotiated Operation Information – Information Sent by the ASSIGNEE: alteration of the domain "No risk retention", subdomain "Acquisition of non-SFN without co-obligation";

b) In letter C. Instructions for Recording Negotiated Operations in the SCR, item 2. Operations acquired without risk retention by a person NOT part of the SFN, letter b. Assignee Information, Additional Operation Information (tag <Inf>): alteration of the description of the domain "Value".

Article 4. This Normative Instruction enters into force on December 1, 2022.

Gilneu Francisco Astolfi Vivan

NOTE

The Credit Information System (SCR) is a system in which credit operations of clients whose direct risk to the financial institution (sum of credit operations, interbank transfers, co-obligations, limits, and credits to be released) is equal to or greater than R$ 200.00 (two hundred reais) are registered. The SCR is managed by the Central Bank and fed monthly by financial institutions, being continuously updated in order to fulfill the functions provided for in Article 2 of CMN Resolution No. 5,037, of 2022, and in accordance with Circular No. 3,870, of 2017. This Normative Instruction BCB (IN BCB) aims to make adjustments to the layout, filling instructions, and manual of negotiation information for operations of Document 3040 - Credit Risk Data.

2. The present IN BCB has the following objectives:

(i) incorporate in the filling instructions: the guidance for payroll-deducted loan operations of Auxílio Brasil, the alteration of the instruction for Consign Credit Card operations, and the instructions for operations with early maturity clauses;

(ii) include in the layout and filling instructions: the domain for identification of Advances to Depositors Operations originating from Guaranteed Accounts with the objective of convergence with Document 3050 - Aggregated Credit Statistics and Leasing Statistics;

(iii) include in the manual of negotiation information for operations: alteration of the data reported by the assignee in assignment without co-obligation of non-SFN.

3. Decree No. 10,411, of June 30, 2020, regulates the carrying out of regulatory impact analysis (RIA) as a prerequisite for the issuance of normative acts. However, in its Article 4, said decree establishes the hypotheses for exemption from carrying out RIA. In view of the fact that there will only be modifications in the filling instructions, layout, and manual of negotiation information for operations, with no new information to be captured, the present IN BCB falls under the hypothesis provided for in item III, namely, a normative act considered to be of low impact. Thus, based on item III of Article 4 of Decree No. 10,411, of 2020, I understand that the issuance of the present IN BCB is exempt from carrying out RIA.

Gilneu Francisco Astolfi Vivan
Head of the Financial System Monitoring Department (Desig)