Normative Instruction BCB No. 622 — Amends the Layout of Document 6209 for Periodic Information on Retail Payments and Service Channels

Resolution No. 222

NORMATIVE INSTRUCTION
BCB No. 622, OF MAY 15, 2025

Amends the layout of Document 6209 for the preparation and submission of periodic information relating to retail payments and service channels provided for in Normative Instruction No. 335, of December 8, 2022.

The Head of the Department of Competition and Financial Market Structure (Decem), in the exercise of the powers conferred upon him by Art. 94, items VIII and XI, letter “a”, of the Internal Regulations of the Central Bank of Brazil, annexed to Resolution BCB No. 340, of September 21, 2023, and taking into account the provisions of Art. 37 of Law No. 4.595, of December 31, 1964, § 3 of Art. 9 of Law No. 12.865, of October 9, 2013, and Arts. 24 and 25 of the Regulation annexed to Resolution BCB No. 150, of October 6, 2021,

RESOLVES:

Art. 1 The layout of document 6209 is updated to version V2.0.4, available at https://www.bcb.gov.br/estabilidadefinanceira/leiautedocumentoscrd, used in the preparation and submission of periodic information relating to retail payments and service channels to the Department of Competition and Financial Market Structure (Decem), by multiple banks, cooperative multiple banks, commercial banks, savings banks, credit, financing and investment societies, direct credit societies, credit societies for microentrepreneurs and small businesses, peer-to-peer lending societies, and payment institutions authorized to operate by the Central Bank of Brazil.

Art. 2 The annex to this normative instruction describes the innovations brought by version V2.0.4 compared to the last version of the layout of document 6209.

Art. 3 The deadline for adapting the information is set for July 31, 2025.

Art. 4 This Normative Instruction enters into force on July 1, 2025, producing effects for data relating to the first quarter of 2023 and subsequent periods.

RICARDO TEIXEIRA LEITE
MOURÃO

ANNEX

The new version of document 6209 brings an alteration to the TRANSOPA.TXT file, table ‘ACCESS CHANNEL’, specifically in the nomenclature of code 08, aiming to include not only 'Payment Transaction Initiator', but also transactions carried out via API (Application Programming Interface) encompassing Payment Transaction Initiators, Open Finance, Banking as a Service and others.

2. The instructions for the preparation and submission of document 6209 remain available on the pages of “Payment Arrangements” and “Layout of files and normative base”, respectively, at:

a) https://www.bcb.gov.br/estabilidadefinanceira/arranjospagamento?ano=2023; and

b) https://www.bcb.gov.br/estabilidadefinanceira/leiautedocumentoscrd.

NOTE

The issuance of this
Normative Instruction improves the collection of data contained in document 6209 by including information on transactions carried out via API (Application Programming Interface) encompassing Payment Transaction Initiators, Open Finance, Banking as a Service and others.

2. 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 should be noted that in its Art. 3, it determines that the issuance of normative acts of general interest of economic agents formulated by bodies and entities of the direct, autarchic and foundation federal public administration must be preceded by RIA. However, as provided for in item III of Art. 4 of said Decree, upon reasoned decision, the RIA may be waived in the event that the normative act is considered to have low impact.

3. 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, nor for regulated agents, since they are information inherent to the business of institutions, our understanding is that the normative act meets the necessary aspects for its classification as being of low impact and, therefore, exempt from RIA.

RICARDO TEIXEIRA LEITE
MOURÃO
Head of the Department of
Competition and Financial Market Structure