RegAlert2025-12-19 | Instrução Normativa BCB 692Added
Normative Instruction BCB No. 692 — Establishes Procedures for Reporting Information on the Allocation of Savings Deposit Resources and Real Estate Financing
Normative Instruction BCB No. 692 establishes specific reporting procedures and CodItem definitions for financial institutions to disclose the allocation of resources captured in savings deposits toward residential and non-residential real estate financing. The regulation mandates the calculation of gross book values for various loan categories, including acquisitions, construction, and production, while defining the application of a 1.2 multiplication factor for loans up to R$500,000. It further details allowable deductions for issued letters of credit and interfinance deposits, and specifies the treatment of legacy instruments and non-aliendated properties acquired through foreclosure.
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INSTRUÇÃO NORMATIVA BCB Nº 692, DE 19 DE DEZEMBRO DE 2025
Establishes the procedures for providing information regarding the allocation of resources captured in savings deposits and for contracting real estate financing, as provided for in Resolution No. 4,676, of July 31, 2018.
The Acting Head of the Department of Regulation of the Financial System (Denor), and the Head of the Department of Banking Operations and Payment Systems (Deban), in exercise of the authority conferred upon them by Article 23, item I, letter "a", of the Internal Regulations of the Central Bank of Brazil, annexed to BCB Resolution No. 340, of September 21, 2023, and in view of the provisions of Resolution No. 4,676, of 2018,
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Lineage: In force
Show all related documents (9)
- Supersedes
- Instruction No. 455 dated 2024-02-29not in RegAlert
- Issued under
- BCB Resolution No. 188 — Defines and Consolidates Rules for Compulsory Collection on Savings Deposit Funds2022CMN Resolution No. 4,924 — General Principles for Accounting Recognition, Measurement, Recording, and Disclosure by Financial Institutions2021Central Bank Resolution CMN No. 4837 Amending Resolution No. 4676 on Real Estate Financing Conditions2020CMN Resolution No. 4676 — Regulates the Brazilian Savings and Loan System (SBPE), the Housing Finance System (SFH), and the Real Estate Financing System (SFI), general conditions for real estate financing, and the allocation of savings deposit resources2018Resolution No. 340 dated 2023-09-21not in RegAlert
- Refers to
- BCB Resolution No. 512 — Amends BCB Resolution No. 188 of February 23, 2022, regarding compulsory reserve requirements on savings deposit funds2025CMN Resolution No. 5,255 — Amends Resolution No. 4,676 of July 31, 2018 Regarding the SBPE, SFH, and SFI Systems2025BCB Resolution No. 131 — Consolidates norms on the administrative sanctioning process, penalties, commitment terms, precautionary measures, coercive fines, and administrative agreements2021
Source: Banco Central do Brasil — original document · Summary generated with machine assistance and reviewed before publication; the authoritative text is the regulator's original document. How RegAlert works
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