Normative Instruction BCB No. 393 — Amends the Layout and Filling Instructions for Document 3040 - Credit Risk Data of the Credit Information System (SCR)

BCB NORMATIVE INSTRUCTION NO. 393, OF JUNE 14, 2023

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

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 the aforementioned Regulations, considering 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,

R E S O L V E S:

Art. 1. The new versions of the Layout and Filling Instructions for Document 3040 - Credit Risk Data, available on the Central Bank of Brazil’s website at the electronic address https://www.bcb.gov.br/estabilidadefinanceira/scrdoc3040, enter into force as of the data base of July 2023.

Art. 2. The following modifications were made to the Layout of Document 3040:

I - in Annex 8 – Special Characteristic:

a) inclusion of domain 38, with the description “Rural credit operation exempt from Sicor tag”.

II - in Annex 32 - Sicor Situation:

a) inclusion of the following domains:

1. 01, with the description “SOR01 - Normal Course”;

2. 02, with the description “SOR02 - Overdue”;

3. 04, with the description “SOR04 - Renegotiated without new operation”;

4. 06 with the description “SOR06 - Fully renegotiated with new operation”;

5. 07, with the description “SOR07 - Liquidated”;

6. 09, with the description “SOR09 - Written off as Loss”;

7. 10, with the description “SOR10 - Excluded”;

8. 12, with the description “SOR12 - Delinquent”;

b) reinclusion of the domain:

1. 13, with the description “SOR13 - Partially Reclassified”.

Art. 3. The following modifications were made to the Filling Instructions for Document 3040:

I - in letter “D”, item 1 “Basic Information of the Operation – (tag <Op>), item XVIII – Special Characteristic, pages 62/69:

a) inclusion in the table of domain 38, with the description “Rural Credit Operation exempt from Sicor tag”;

b) inclusion of observation xxvii;

II - in letter “E” “Sicor Information – (tag <Sicor>), pages 108/111:

a) alteration of the wording of item V – field “Operation Status”;

b) inclusion of a table with the following domains:

1. 01, with the description “SOR01 – Normal Course”;

2. 02, with the description “SOR02 – Overdue”;

3. 03, with the description “SOR03 – Extended”;

4. 04, with the description “SOR04 – Renegotiated without new operation”;

5. 05, with the description “SOR05 – Partially renegotiated with new operation”;

6. 06 with the description “SOR06 – Fully renegotiated with new operation”;

7. 07, with the description “SOR07 – Liquidated”;

8. 08, with the description “SOR08 – Fully Reclassified”;

9. 09, with the description “SOR09 – Written off as Loss”;

10. 10, with the description “SOR10 – Excluded”;

11. 11, with the description “SOR11 – Registered in the Federal Active Debt”;

12. 12, with the description “SOR12 – Delinquent”;

13. 13, with the description “SOR13 – Partially Reclassified”;

c) alteration of wording and inclusion of new information in the “Important” item.

Art. 4. This Normative Instruction enters into force on July 1, 2023.

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 disbursed) 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 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.

2. This BCB Normative Instruction (IN BCB) aims to make adjustments to the layout and filling instructions of Document 3040, considering the changes that occurred in the manner of capturing dynamic information of rural credit operations, which are registered statically in the System of Rural Credit and Proagro Operations (Sicor). From the effective date of this Normative Instruction, financial institutions must explicitly declare changes in the “status” of rural credit operations, no longer relying on interpretation resulting from other information reported in Document 3040.

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 dispensing with the RIA. Given that there will only be adjustments to the layout and filling instructions to align the domains of Document 3040 with those already existing in Sicor, without implying new information capture, this BCB IN falls under the hypothesis provided for in item III, namely, a normative act considered low impact.

4. In light of the above and based on item III of Article 4 of Decree No. 10,411, of 2020, I understand that the issuance of this BCB IN is exempt from carrying out an RIA.

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