INSTRUÇÃO NORMATIVA BCB Nº 330, DE 24 DE NOVEMBRO DE 2022

Consolidates the procedures for the registration of cadastre information in the System of Information on Entities of Interest of the Central Bank (Unicad) governed by Resolution BCB No. 209, of March 22, 2022.

The Head of the Department of Financial System Monitoring (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, and in view of the provisions of Resolution BCB No. 209, of March 22, 2022,

RESOLVES:

CHAPTER I

GENERAL PROVISIONS

Art. 1 This Normative Instruction establishes procedures to be observed for the registration and updating of cadastre information that comprises the System of Information on Entities of Interest of the Central Bank (Unicad), governed by Resolution BCB No. 209, of March 22, 2022.

Sole Paragraph. The registration referred to in the caput must be carried out by the entities referred to in the caput of Article 2 of Resolution BCB No. 209, of 2022.

Art. 2 The procedures for registration and updating of the cadastre data governed by this Normative Instruction are described in the document “Instructions for Use”, available on the Central Bank of Brazil website at the electronic address https://www.bcb.gov.br/estabilidadefinanceira/unicadentidadesinteressebanco.

Art. 3 The information referred to in Article 1 must be registered in the following modules:

I - Basic Data: information regarding basic identification data must be registered, as provided for in item I of Article 3 of Resolution BCB No. 209, of 2022, comprising identification data, address, electronic address, and other information characterizing natural and legal persons of interest to the Central Bank of Brazil, including investment funds;

II - Authorizations: information regarding requests for authorization to the Central Bank of Brazil must be registered, as provided for in item II of Article 3 of Resolution BCB No. 209, of 2022;

III - Conglomerates: information regarding conglomerates must be registered, as provided for in item III of Article 3 of Resolution BCB No. 209, of 2022, comprising data on prudential conglomerates and the institutions forming part of the conglomerate;

IV - Installations: information regarding the foreign installations of financial institutions and other institutions authorized to operate by the Central Bank of Brazil, information regarding branches of foreign financial institutions in the country, and representations of foreign financial institutions in the country must be registered, as provided for in items IV, V, and VI of Article 3 of Resolution BCB No. 209, of 2022;

V - Operations: information regarding qualifications for the practice of operations controlled by the Central Bank of Brazil must be registered, as provided for in item VII of Article 3 of Resolution BCB No. 209, of 2022, comprising communications of service provision carried out by the entities referred to in the sole paragraph of Article 1; and

VI - Links: information regarding links between legal persons and between natural and legal persons, of interest to the Central Bank of Brazil, must be registered, as provided for in item VIII of Article 3 of Resolution BCB No. 209, of 2022, comprising existing connections.

§ 1 Other cadastre information of interest to the Central Bank of Brazil regarding the entities, natural persons, and legal persons referred to in item IX of Article 3 of Resolution BCB No. 209, of 2022, must be registered in accordance with guidelines contained in the “Instructions for Use” document mentioned in Article 2 of this Normative Instruction.

§ 2 The registration of information in Unicad must be initiated by filling in the information contained in the “Basic Data” module, referred to in item I of this article.

CHAPTER II

PROCEDURES FOR REGISTRATION OF INFORMATION

Section I

Of the designation of directors responsible for areas of activity

Art. 4 The designations of directors responsible for areas of activity provided for in specific regulatory provisions must be registered in the “Links” module, option “Area of Responsibility”, field “Director Responsible for Area of Activity”.

Sole Paragraph. The provisions of the caput also apply to the designation referred to in Article 39 of Resolution BCB No. 105, of June 9, 2021.

Sole Paragraph. (Revoked by Normative Instruction BCB No. 712, of 2/27/2026.)

Section II

Of the designation of the person responsible for sending information

Art. 5 The designations of employees qualified to respond to any questions regarding the sending of documents to the Central Bank, the head of the internal audit activity, and the ombudsman, provided for in specific regulatory provisions, must be registered in the “Links” module, option “Inclusion”, field “Internal Audit / Ombudsman / Resp. for Sending Information”.

Section III

Of the designation of the foreign exchange correspondent

Art. 6 For the purpose of complying with the provisions of § 2 of Article 39 of Circular No. 3.691, of December 16, 2013, the cadastre data of companies hired to operate as correspondents in foreign exchange operations must be registered in Unicad in the “Links” module, option “Inclusion”, field “Foreign Exchange Correspondent”.

Sole Paragraph. The cadastre data referred to in the caput must be registered by the day prior to the date of commencement of business as a correspondent.

Section IV

Of the linking of central credit cooperatives to credit confederations constituted by central credit cooperatives

Art. 7 The links existing between credit confederations constituted by central credit cooperatives and the central credit cooperatives affiliated with them, governed by CMN Resolution No. 4.434, of August 5, 2015, must be registered in the “Links” module of Unicad:

I - by the credit confederations, when authorized to operate as a financial institution by the Central Bank of Brazil;

II - by the central credit cooperatives, when affiliated with confederations not authorized to operate as a financial institution by the Central Bank of Brazil.

Sole Paragraph. Central credit cooperatives not affiliated with the credit confederation must declare the non-existence of said link in the “Occurrences” module of Unicad, by including “Communication of Non-Existence of Relationship with Confederation”.

Section V

Of the registration of non-financial legal persons and investment funds belonging to prudential conglomerates

Art. 8 Financial institutions and other institutions authorized to operate by the Central Bank of Brazil that are leaders of prudential conglomerates must carry out, in Unicad, the linking, to their respective prudential conglomerates, of non-financial legal persons and investment funds, located in the country or abroad, that comprise the consolidated financial statements mentioned in item II of Article 2 of CMN Resolution No. 4.911, of May 27, 2021, and in § 1 of Article 2 of Resolution BCB No. 146, of September 28, 2021.

§ 1 Non-financial legal persons and investment funds subject to the linking mentioned in the caput must be registered in the Unicad system prior to the linking procedure, through the “Basic Data” module, option “Inclusion”, “Legal Person”.

§ 2 For the purpose of registering non-financial legal persons and investment funds, the institutions mentioned in the caput must inform the fields “Type of Origin in Registration” and “Type of Legal Person”.

Art. 9 Changes in the composition of prudential conglomerates, resulting from the inclusion or exclusion of non-financial legal persons or investment funds in the preparation of the consolidated financial statements referred to in the caput of Article 8, must be carried out on the same date on which such entities become part of, or cease to comprise, the aforementioned prudential conglomerates.

Section VI

Of the communication regarding the provision of payment services in a modality exempt from authorization

Art. 10. The communication regarding the provision of payment services in a modality exempt from authorization, as provided for in Articles 14, 15, and 16 of Resolution BCB No. 80, of March 25, 2021, must be carried out in the “Operations” module of Unicad.

§ 1 The communication referred to in the caput must cover both the commencement and the termination of the provision of payment services in the modalities provided for in items I to IV of Article 3 of Resolution BCB No. 80, of 2021.

§ 2 The communication referred to in the caput must be made by informing the date scheduled for the commencement of the provision of the payment service.

§ 3 If the date of commencement of the provision of the payment service in a modality exempt from authorization is changed, the institution must make the alteration in Unicad, as provided for in Article 11 of this Normative Instruction.

§ 4 Institutions that communicated the Central Bank of Brazil, from May 3, 2021, to December 1, 2022, regarding the intention to commence the provision of payment services in a modality exempt from authorization, must register in Unicad within 30 days of the entry into force of this Normative Instruction.

Section VII

Of the communication regarding shareholdings in the country and abroad

(Section VII included by Normative Instruction BCB No. 501, of 8/5/2024.)

Art. 10-A. The communication regarding the allocation of new resources in branches located abroad and the increases in share capital in financial institutions and similar institutions participated in abroad, governed by Article 7, § 1 of CMN Resolution No. 5.043, of November 25, 2022, must be carried out in the “Occurrences” module of Unicad. (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

Art. 10-B. The registration referred to in Art. 10-A must be made: (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

I - In the case of increases in share capital in financial institutions and similar institutions participated in abroad: option “Inclusion”, “Communication”, “Communication of Links”, “Allocation of resources abroad - Res. 5.043 art. 7 - Participations”; and (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

II - In the case of allocation of new resources in branches located abroad: option “Inclusion”, “Communication”, “Communication of Change/Inclusion of Cadastre Data”, “Allocation of resources abroad - Res. 5.043 art. 7 - Branches”. (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

§ 1 As provided for in Article 7, § 1 of CMN Resolution No. 5.043, of 2022, the institution must communicate its intention to the Central Bank of Brazil to carry out the operations referred to in the caput with a minimum advance notice of 90 (ninety) days. (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

§ 2 In the registration referred to in items I and II of the caput, the “Observation” field must be filled with detailed information about the operation, discriminating, at minimum: (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

a) the identification of the foreign unit subject to the operation; (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

b) the date scheduled for the effective execution of the operation; (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

c) the value of the operation in reais and in foreign currency; (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

d) the percentages of the current participation and the participation after the operation; (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

e) the remittance of new resources or the absorption of resources remitted previously; and (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

f) the justification for the operation. (Included by Normative Instruction BCB No. 501, of 8/5/2024.)

Section VIII

Of the registration of companies hired for the provision of data and information sharing services regarding indications of fraud

(Section VIII included, effective from 3/3/2025, by Normative Instruction BCB No. 590, of 5/2/2025, producing effects from 2/5/2025.)

Art. 10-C. For the purpose of complying with the provisions of Article 15 of CMN Resolution No. 4.893, of February 26, 2021, and Article 15 of Resolution BCB No. 85, of April 8, 2021, the hiring of a company for the provision of data and information sharing services regarding indications of fraud, provided for in Article 5 of Joint Resolution No. 6, of May 23, 2023, must be registered in Unicad in the “Links” module, option “Inclusion”, in the following fields: (Included, effective from 3/3/2025, by Normative Instruction BCB No. 590, of 5/2/2025, producing effects from 2/5/2025.)

I - CNPJ of the hiring financial institution; (Included, effective from 3/3/2025, by Normative Instruction BCB No. 590, of 5/2/2025, producing effects from 2/5/2025.)

II - CNPJ of the hired company; (Included, effective from 3/3/2025, by Normative Instruction BCB No. 590, of 5/2/2025, producing effects from 2/5/2025.)

III - start date of the service provision; (Included, effective from 3/3/2025, by Normative Instruction BCB No. 590, of 5/2/2025, producing effects from 2/5/2025.)

IV - end date of the service provision, if applicable; (Included, effective from 3/3/2025, by Normative Instruction BCB No. 590, of 5/2/2025, producing effects from 2/5/2025.)

V - observations, if necessary. (Included, effective from 3/3/2025, by Normative Instruction BCB No. 590, of 5/2/2025, producing effects from 2/5/2025.)

§ 1 If the institution opts not to hire a company referred to in the caput, it must inform its CNPJ in the fields related to items I and II. (Included, effective from 3/3/2025, by Normative Instruction BCB No. 590, of 5/2/2025, producing effects from 2/5/2025.)

§ 2 The registration referred to in the caput must be carried out within ten days after the hiring of the services or in the case of non-hiring thereof. (Included, effective from 3/3/2025, by Normative Instruction BCB No. 590, of 5/2/2025, producing effects from 2/5/2025.)

Section IX

Of the registration of branches

(Section IX included by Normative Instruction BCB No. 623, of 5/21/2025.)

Art. 10-D. For the purpose of complying with the provisions of item II of Article 14 of CMN Resolution No. 4.072, of April 26, 2012, and Article 5 of Resolution BCB No. 3, of August 12, 2020, the following information regarding branches must be registered in Unicad, in the “Installations” module, option “Inclusion”: (Included by Normative Instruction BCB No. 623, of 5/21/2025.)

I - identification; and (Included by Normative Instruction BCB No. 623, of 5/21/2025.)

II - location. (Included by Normative Instruction BCB No. 623, of 5/21/2025.)

Section X

Of the communication regarding the provision of virtual asset services

(Section X included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

Art. 10-E. The following information must be registered in Unicad, in the “Operations” module, option “Inclusion”: (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

I - regarding providers of virtual asset services, for the purpose of complying with the provisions of Articles 21, 22, and 23, § 3, of Resolution BCB No. 520, of 2025: (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

a) the date of formal communication to the Central Bank of Brazil of the interest of the institution or entity in providing virtual asset services; (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

b) the modality(ies) that the communicating institution intends to carry out: (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

1. virtual asset intermediation; and (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

2. virtual asset custody; and (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

c) the complete identification of the institution or entity, containing: (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

1. the registration number in the National Registry of Legal Entities – CNPJ; and (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

2. the name, corporate name, and CNPJ of the independent company qualified to prepare the technical certification referred to in item II of Article 2 of Normative Instruction BCB No. 701, of January 22, 2026; and (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

II - regarding the custodian of virtual assets, for the purpose of complying with the provisions of Article 82, § 5, of Resolution BCB No. 520, of 2025: the start date of the offer of staking operations. (Included, effective from 9/3/2026, by Normative Instruction BCB No. 712, of 2/27/2026.)

Section XI

Of the communication of activities for the calculation of minimum capital

(Section XI included by Normative Instruction BCB No. 754, of 7/1/2026.)

Art. 10-F. For the purpose of complying with the provisions of Article 5 of Resolution BCB No. 517, of November 3, 2025, institutions already authorized to operate by the Central Bank of Brazil must register in Unicad, in the “Operations” module, option “Inclusion”, the categories of operational activities they intend to carry out and the intention to provide the services provided for in Article 4 of said Resolution, with an advance notice of ninety days relative to the date scheduled for the commencement of the new activities. (Included by Normative Instruction BCB No. 754, of 7/1/2026.)

Sole Paragraph. The provisions of the caput do not apply: (Included by Normative Instruction BCB No. 754, of 7/1/2026.)

I - to activities that, under specific regulation, require specific authorization or are subject to a specific communication process; and (Included by Normative Instruction BCB No. 754, of 7/1/2026.)

II - to institutions in the authorization process, which must observe specific regulation. (Included by Normative Instruction BCB No. 754, of 7/1/2026.)

Section XII

Of the registration of borrowers of Banking as a Service services – BaaS

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(Section XII included, effective September 1, 2026, by Normative Instruction BCB No. 754, of July 1, 2026.)

Art. 10-G. For the purpose of compliance with the provisions of Article 20, item I, of Joint Resolution No. 16, of November 28, 2025, institutions providing Banking as a Service – BaaS services must register and keep updated in Unicad, under the “Links” module, option “Inclusion”, the information regarding entities receiving BaaS services with active contracts. (Included, effective September 1, 2026, by Normative Instruction BCB No. 754, of July 1, 2026.)

Sole Paragraph. The registration referred to in the caput must contain the information necessary to identify entities receiving BaaS services, observing the fields and validation rules available in Unicad. (Included, effective September 1, 2026, by Normative Instruction BCB No. 754, of July 1, 2026.)

CHAPTER III
FINAL PROVISIONS

Art. 11. Without prejudice to the provisions of Article 9 and § 4 of Article 10 of this Normative Instruction, the information must be registered and kept updated in Unicad, as established in Article 4 of Resolution BCB No. 209, of 2022:

I - within the deadline defined in specific regulatory provision, when applicable; or

II - within 10 (ten) days from the occurrence of the event that gave rise to the registration or update, when the deadline is not defined in specific regulatory provision.

Art. 12. The following are revoked:

I - Circular Letter No. 3,066, of December 13, 2002;

II - Circular Letter No. 3,089, of February 28, 2003;

III - Circular Letter No. 3,160, of January 24, 2005;

IV - Circular Letter No. 3,182, of April 14, 2005;

V - Circular Letter No. 3,240, of September 8, 2006;

VI - Circular Letter No. 3,285, of September 28, 2007;

VII - Circular Letter No. 3,286, of September 28, 2007;

VIII - Circular Letter No. 3,305, of March 13, 2008;

IX - Circular Letter No. 3,346, of October 21, 2008;

X - Circular Letter No. 3,408, of July 31, 2009;

XI - Circular Letter No. 3,464, of August 6, 2010;

XII - Circular Letter No. 3,521, of September 20, 2011;

XIII - Circular Letter No. 3,762, of March 31, 2016;

XIV - Circular Letter No. 3,982, of October 29, 2019.

Art. 13. This Normative Instruction enters into force on December 1, 2022.

Gilneu Francisco Astolfi Vivan
Head of Desig

NOTE

The System of Information on Entities of Interest to the Central Bank (Unicad), regulated by Resolution BCB No. 209, of March 22, 2022, aims to maintain, in a single database, cadastral information regarding financial institutions, other institutions authorized to operate, and natural and legal persons subject to some type of authorization or registration by the Central Bank of Brazil, or that are of interest to this Autarchy.

2. Decree No. 10,139, of November 28, 2019, establishes the obligation for federal direct, autarchic, and foundational administrative bodies to review and consolidate normative acts issued within the scope of their respective competencies. This measure aims to review, update, simplify, and consolidate normative acts, in order to rationalize the regulatory stock. Based on the cited decree, we proceeded to consolidate and update, in a single Normative Instruction BCB, the circular letters dealing with Unicad.

3. In this context, the Normative Instruction currently presented proposes wording improvements regarding the procedures for registering and updating respective information to this Central Bank, eliminates the conformity procedures for information contained in Unicad, which were carried out by Financial Institutions and other institutions authorized to operate by the Central Bank, and indicates the deadline for updating information in Unicad, in line with what was established by Resolution BCB No. 209, of 2022. Appropriately, instruction was included for communication regarding the provision of services in a new modality by authorized payment institutions, as provided for in Resolution BCB No. 80, of March 25, 2021.

4. Decree No. 10,411, of June 30, 2020, regulates the conduct of regulatory impact analysis (RIA) as a prerequisite for the issuance of normative acts. However, in its Article 3, § 2, said decree establishes the cases in which the preparation of RIA does not apply. This Normative Instruction falls under item VI of § 2 of said article, since it consolidates other norms on the Unicad topic, without alteration of merit in this consolidation.

5. Additionally, Decree No. 10,411, of 2020, in its Article 4, establishes the hypotheses for exemption from conducting RIA. This Normative Instruction falls under three of these hypotheses, namely: items II - normative act intended to regulate rights or obligations defined in a hierarchically superior norm that does not allow, technically or legally, different regulatory alternatives; IV - normative act aimed at updating or revoking norms considered obsolete, without alteration of merit; and VII - normative act that reduces requirements, obligations, restrictions, requests, or specifications with the objective of reducing regulatory costs. Thus, based on items II, IV, and VII of Article 4 of Decree No. 10,411, of 2020, I understand that the issuance of this Normative Instruction would be exempt from conducting RIA.

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