Normative Instruction BCB No. 554 of November 29, 2024, Amending Normative Instruction BCB No. 32 of October 26, 2020, to Establish New Periodic Information Requirements for Pix Participants

Resolution No. 222

NORMATIVE INSTRUCTION
BCB NO. 554, OF NOVEMBER 29, 2024

Amends the Normative Instruction BCB No. 32, of October 26, 2020, which establishes the format, periodicity, and information to be provided by Pix participants, to insert new information that must be sent periodically.

The Head of the Department of Competition and Financial Market Structure (Decem), using the powers conferred upon him 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 on Art. 94, item IX, of the aforementioned Regulations, and having in view the provisions of Art. 99 of the Regulation annexed to Resolution BCB No. 1, of August 12, 2020,

R E S O L V E S:

Art. 1º The Annex I to Normative Instruction BCB No. 32, of October 26, 2020, shall operate with the following wording:

“The following information must be sent periodically by Pix participants:

I - information on transactions:

a) year;

b) period;

c) number of transactions;

d) financial amount of transactions;

e) financial amount in cash;

f) detail of transactions; and

g) purpose of transactions;

II - information on refunds:

a) year;

b) period;

c) number of refunds;

d) detail of the refund; and

e) financial amount of refunds;

III - information on transactions provisionally blocked:

a) year;

b) period;

c) number of provisionally blocked transactions;

d) financial amount of provisionally blocked transactions; and

e) detail of provisionally blocked transactions;

IV - information on revenue earned from fees on transactions:

a) year;

b) period;

c) financial amount of revenue from fees on transactions; and

d) source of revenue;

V - information on transaction times:

a) year;

b) period;

c) 50th percentile of the time related to the payer user experience of transactions settled in the Instant Payment System (SPI);

d) 99th percentile of the time related to the payer user experience of transactions settled in the SPI;

e) 50th percentile of the time related to the payer user experience of transactions settled outside the SPI;

f) 99th percentile of the time related to the payer user experience of transactions settled outside the SPI; and

g) maximum time between the activation of the provisional block and the conclusion of the process;

VI - information on DICT times:

a) year;

b) period;

c) 99th percentile of the payer user time in the DICT query;

d) 95th percentile of the time to send the code to email or cellular phone number in the key registration;

e) 95th percentile of the time related to the payer user experience in key registration;

f) 95th percentile of the time related to the payer user experience in key deletion;

g) 95th percentile of the time elapsed between the receipt (acknowledge) in the DICT and the notification to the donor user in a logged environment (portability or possession claim process);

h) 95th percentile of the time elapsed between the user action (confirmation or cancellation) and the sending of the information to the DICT (portability or possession claim process); and

i) 95th percentile of the time elapsed between the user complaint in a service channel provided by the participant and the opening of the infraction notification;

VII - information on DICT queries:

a) year;

b) period; and

c) number of queries to the participant's internal database;

VIII - information on participant availability:

a) year;

b) period; and

c) participant availability index;

IX - information on Pix Automatic time indicators:

a) 95th percentile of the time related to the payer user experience in granting Pix Automatic authorization; and

X - information on payer authorizations for Pix Automatic:

a) number of payer authorizations performed outside SPI;

b) stock of payer authorizations performed outside SPI; and

c) type of payer.” (NR)

Art. 2º This Normative Instruction enters into force on June 16, 2025.

RICARDO TEIXEIRA LEITE
MOURÃO

NOTE

Decree No. 10.411, of June 30, 2020, provides for the mandatory implementation of regulatory impact analysis (RIA) for the issuance of normative acts of general interest produced by the direct and indirect organs and entities of the federal public administration.

However, as defined in paragraph 8 of Vote 280/2021–BCB, of November 10, 2021, the Pix Regulation, including other documents that integrate, detail, or complement it, do not characterize themselves as regulatory acts of coercive force, possessing, in truth, an eminently contractual nature. Thus, modifications promoted in the aforementioned regulation and in the other documents that integrate, detail, or complement it are not subject to the prior production of RIA.

RICARDO TEIXEIRA LEITE
MOURÃO