Normative Instruction BCB No. 682 of November 19, 2025

Resolution No. 222

NORMATIVE INSTRUCTION
BCB NO. 682, OF NOVEMBER 19, 2025

Amends
Circular Letter No. 3.869, of March 19, 2018, which amends and consolidates the procedures to be observed in the submission of information to the Credit Information System – SCR, as provided for in Circular No. 3.870, of December 19, 2017.

The Head of the Financial System Monitoring Department – Desig, in the exercise of the authority 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, respectively, on Arts. 85, item I, letter “b” of said Regulations, in view of the provisions of Circular No. 3.870, of December 19, 2017, as amended by Resolution BCB No. 516, of October 29, 2024,

RESOLVES:

Art. 1º Circular Letter No. 3.869, of March 19, 2018, published in the Official Gazette of the Union on March 20, 2018, shall enter into force with the following amendments:

“Art. 14-A The calculation and submission of the document with code 3044, as provided for in Arts. 2º-A and 2º-B of this Normative Instruction, must be carried out from:

I - May 1, 2026, for information related to events regarding:

a) instruments that have characteristics of revolving credit operations;

b) cessions and acquisitions of credit operations; and

c) credit operations subject to debt assumption or portability; and

II - November 1, 2025, for the remaining information.” (NR)

Art. 2º The following modifications were made to the filling instructions for document 3044 – Data on Events in Credit Operations, available for access at the electronic address https://www.bcb.gov.br/estabilidadefinanceira/scrdoc3040:

I - in the General Instructions, item 3. Scope of information: inclusion of a paragraph with clarifications regarding the modalities that must be calculated and submitted starting May 1, 2026.

Art. 3º This Normative Instruction enters into force on the date of its publication.

ANDRÉ
MAURÍCIO TRINDADE DA ROCHA

NOTE

The Credit Information System – SCR is a system in which the credit operations of clients whose direct risk to the financial institution (sum of credit operations, interbank transfers, co-obligations, limits, and credits to be released) is equal to or greater than R$ 200.00 (two hundred reais) are recorded. The management of the SCR is the competence of the Central Bank, which receives periodic updates from financial institutions, in accordance with the guidelines provided for in Art. 2º of CMN Resolution No. 5.037, of September 29, 2022, as well as under the terms of Circular No. 3.870, of December 19, 2017.

2. Credit data constituting the SCR database are currently submitted to the Central Bank by supervised entities on a monthly basis. With the issuance of Resolution BCB No. 413, of September 19, 2024, which amends Circular No. 3.870, of 2017, it was established that information regarding events that imply a change in the outstanding balance of a credit operation must also be calculated daily and submitted to the Central Bank, starting November 1, 2025.

3. On October 9, 2024, Normative Instruction No. 530 was published, amending Circular Letter No. 3.869, of March 19, 2018, and establishing the procedures for the preparation and submission of document 3044 - Data on Events in Credit Operations, starting November 1, 2025, based on the provisions of Resolution BCB No. 413, of September 19, 2024, which in turn had amended Circular No. 3.870, of 2017.

4. On October 29, 2025, Resolution BCB No. 516 was published, amending Circular No. 3.870, of 2017, with the aim of extending the preparation and submission to May 1, 2026, of information related to events regarding:

I - instruments that have characteristics of revolving credit operations;

II - cessions and acquisitions of credit operations; and

III - credit operations subject to debt assumption or portability.

5. In light of the publication of the Resolution BCB cited in the previous paragraph, it is necessary to issue a new Normative Instruction amending Circular Letter No. 3.869, of 2018, in order to adjust the schedule for calculating and submitting document code 3044 to that established in that Resolution, as well as to communicate the alteration in the filling instructions for document 3044 that details which event modalities must be sent starting November 2025 and which event modalities must be sent starting May 2026.

6. Decree No. 10.411, of June 30, 2020, regulates the carrying out of regulatory impact analysis – AIR as a prerequisite for the issuance of normative acts. In its Art. 4º, said Decree establishes the hypotheses in which the AIR may be waived. This Normative Instruction falls under item VII - normative act that reduces requirements, obligations, restrictions, requests, or specifications with the objective of reducing regulatory costs, given that it meets a demand from the institutions themselves to have more time to adapt their systems for sending document 3044.

7. Thus, based on the provisions of paragraph 6, I understand that the present regulation is exempt from carrying out an AIR.

ANDRÉ
MAURÍCIO TRINDADE DA ROCHA
Head of the Financial System Monitoring Department