Normative Instruction BCB No. 770 — Publishes the Calendar for Control Points Regarding the Production Publication of API Credit Operations - Loans Version 2.7.0 and API Credit Portability - Unconsignable Personal Credit Version 1.1.0 of Open Finance

The Heads of the Financial System Regulation Department (Denor), the Department of Supervision of Cooperatives and Non-Bank Institutions (Desuc), and the Banking Supervision Department (Desup), using the authority granted to them by Article 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 Article 51, item IX, of Joint Resolution No. 1, of May 4, 2020,

R E S O L V E:

Article 1. This Normative Instruction publishes the calendar regarding the control points for the process of production publication of version 2.7.0 (or later) of the Credit Operations API - Loans and version 1.1.0 (or later) of the Credit Portability API - Unconsignable Personal Credit of Open Finance.

Article 2. Participating institutions must comply with the following calendar regarding the control points for the process of production publication of the APIs mentioned in Article 1:

I - by September 14, 2026, for the execution of tests in the conformity engine, with 100% success in all test modules; and

II - on November 3, 2026, at 19:00, for publication in the directory and in the production environment.

Article 3. Participating institutions, in view of the provisions of Article 2, must ensure that the Open Finance Governance Structure complies with the following calendar regarding the control points for the process of production publication of the APIs mentioned in Article 1:

I - by August 27, 2026, for the release of an updated version of the User Experience Guide;

II - by August 28, 2026, for the release of the release candidate version of the certification engine; and

III - by October 23, 2026, for the release of the stable version of the certification engine.

Article 4. This Normative Instruction enters into force on the date of its publication.

MARDILSON FERNANDES QUEIROZ

Head of Denor

ADALBERTO FELINTO DA CRUZ JUNIOR

Head of Desuc

RICARDO SIVIERI ZENI

Head of Desup

NOTE 746/2026-BCB/DENOR, OF AUGUST 19, 2026

Justifies the proposal for the issuance of a normative instruction that publishes the calendar regarding the control points for the process of production publication of version 2.7.0 (or later) of the Credit Operations API - Loans and version 1.1.0 of the Credit Portability API - Unconsignable Personal Credit of Open Finance.

Dear Heads of Denor, Desuc, and Desuc,

1. This Note justifies the proposal for the issuance of a normative instruction by the Financial System Regulation Department (Denor), the Department of Supervision of Cooperatives and Non-Bank Institutions (Desuc), and the Banking Supervision Department (Desup), using the authority granted to them by Article 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 Article 51, item IX, of Joint Resolution No. 1, of May 4, 2020.

2. The normative instruction proposal publishes the calendar regarding the control points for the process of production publication of version 2.7.0 (or later) of the Credit Operations API - Loans and version 1.1.0 of the Credit Portability API - Unconsignable Personal Credit of Open Finance.

3. It is worth noting that, by virtue of Article 5 of Law No. 13,874, of September 20, 2019, proposals for the issuance and alteration of normative acts of general interest to economic agents or users of provided services, issued by an organ or entity of the federal public administration, including autarchies and public foundations, shall be preceded by the realization of a regulatory impact analysis (RIA), which will contain information and data on the possible effects of the normative act to verify the reasonableness of its economic impact.

4. For its part, Decree No. 10,411, of June 30, 2020, which regulates this Law, in its Article 4, item V, letters "b" and "c", establishes that the RIA may be waived, provided there is a reasoned decision by the competent organ or entity, in the cases of normative acts that aim to preserve liquidity, solvency, or integrity of the financial, capital, and foreign exchange markets and payment systems.

5. Thus, as the proposal in question publishes the control points for implementation by participating institutions of credit portability, a service regulated by a resolution of the National Monetary Council, which can also be provided through Open Finance, in consonance with the technical specifications developed within the scope of the Open Finance Governance Structure and already implemented by participating institutions of Open Finance, we consider that the proposed alterations and clarifications fall within the possibility of waiving this provision, since, without the control of the various intermediate milestones provided for in this proposal, the quality of the alterations that participating institutions must make in the credit portability process in Open Finance may be affected, thereby prejudicing the adequate functioning of this implementation.

For your consideration.

JANAÍNA PIMENTA ATTIE

Consultant of Denor

IVENS ARUA NEVES DE MIRANDA

Deputy Head of Desuc

MARCO GUIMARÃES VERRONE

Deputy Head of Desup

Agreed.

MARDILSON FERNANDES QUEIROZ

Head of Denor

ADALBERTO FELINTO DA CRUZ JUNIOR

Head of Desuc

RICARDO SIVIERI ZENI

Head of Desup