Normative Instruction BCB No. 335 — Establishes the Content and Format for Reporting Retail Payments and Service Channels by Institutions Authorized by the Central Bank of Brazil

NORMATIVE INSTRUCTION BCB NO. 335, OF DECEMBER 8, 2022

Establishes the content and format for reporting information regarding retail payments and service channels by institutions authorized to operate by the Central Bank of Brazil.

The Head of the Department of Competition and Market Structure (Decem), using the powers granted by Article 97-A, items V and IX, item "a", of the Internal Regulations of the Central Bank of Brazil, annexed to Ordinance No. 84,287, of February 27, 2015, and considering the provisions of Article 37 of Law No. 4,595, of December 31, 1964, Article 9, paragraph 3, of Law No. 12,865, of October 9, 2013, and Articles 24 and 25 of the Regulation annexed to Resolution BCB No. 150, of October 6, 2021,

R E S O L V E:

Article 1. The content and format for the periodic reporting of information regarding retail payments and service channels to the Department of Competition and Market Structure (Decem) are established for multiple banks, cooperative multiple banks, commercial banks, savings banks, credit, financing, and investment companies, direct credit companies, microentrepreneur and small business credit companies, peer-to-peer lending companies, and payment institutions authorized to operate by the Central Bank of Brazil.

Article 2. The institutions listed in Article 1 must send information regarding their relationships and operations according to models and instructions available on the Central Bank of Brazil's website, at the address https://www.bcb.gov.br/estabilidadefinanceira/leiautedocumentoscrd.

Sole Paragraph. The information sent must be consolidated by civil quarter and submitted by the last business day of the month following the end of the reference quarter.

Article 3. This Normative Instruction enters into force on January 1, 2023, producing effects for data relating to the first quarter of 2022 and subsequent periods.

Article 4. Normative Instruction BCB No. 301, of September 1, 2022, is hereby revoked.

Ângelo José Mont’Alverne Duarte

Head of the Department of Competition and Market Structure

NOTE

This Note justifies the issuance of a Normative Instruction under the competence of the Department of Competition and Market Structure (Decem), using the power granted by Article 97-A, items V and IX, of the Internal Regulations of the Central Bank of Brazil, annexed to Ordinance No. 84,287, of February 27, 2015.

2. As a result of a direct request from this agency, a set of institutions submit document 6209 to the Central Bank of Brazil, containing aggregated information regarding retail payments and service channels.

3. The issuance of this Normative Instruction improves the collection of data contained in document 6209 by expanding the submission obligation to all multiple banks, cooperative multiple banks, commercial banks, and payment institutions authorized.

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. It is noteworthy that Article 3 determines that the issuance of normative acts of general interest formulated by bodies and entities of the direct, autonomous, and foundation federal administration must be preceded by an RIA. However, as provided in item III of Article 4 of said Decree, upon reasoned decision, the RIA may be waived if the normative act is considered to have low impact.

5. Considering that the obligation established in this Normative Instruction does not impact public policies, nor does it imply a significant increase in costs for the Central Bank of Brazil or for regulated agents, since the information is inherent to the institutions' business, our understanding is that the regulation meets the necessary aspects for its classification as low impact and, therefore, is exempt from RIA.

Ângelo José Mont’Alverne Duarte

Head of the Department of Competition and Market Structure