2020-10-29 | Resolução BCB 32

Added 2026-09-25

Resolution BCB No. 32 — Establishes technical requirements and operational procedures for the implementation of Open Finance in Brazil

Resolution BCB No. 32 establishes the technical requirements and operational procedures for implementing Open Finance in Brazil, applying to participating institutions specified in Article 6 of Joint Resolution No. 1 of 2020. It mandates the publication of specific manuals detailing data scope, APIs, security, customer experience, and monitoring, while defining participant categories such as data transmitters, account holders, and payment initiation service providers. The regulation requires institutions to register in the participant directory, share updated data on fees and interest rates, and adhere to strict API standards for development, access control, and performance. Compliance obligations include providing administrative APIs for monitoring and ensuring data freshness within defined time limits for balances and transactions.

Brazil

Banco Central do Brasil

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Resolution No. 32

RESOLUTION
BCB NO. 32, OF OCTOBER 29, 2020

~~Establishes the technical requirements and operational procedures for the implementation in the country of the Open Banking System (Open Banking).~~

~~Establishes the technical requirements and operational procedures for the implementation in the country of the Open Financial System (Open Finance).~~ ~~(Wording given, from 1/4/2023, by BCB Resolution No. 294, of 2/23/2023.)~~

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Show all related documents (25)

Amended by: BCB Resolution No. 526 — Amends Circular No. 4,015 and Resolution BCB No. 32 Regarding Open Finance Scope and Technical Requirements2025 BCB Resolution No. 294 — Amends BCB Resolution No. 32 of October 29, 2020, establishing technical requirements and operational procedures for the implementation of Open Finance in Brazil2023 BCB Resolution No. 117 — Amends BCB Resolution No. 32 of October 29, 2020, regarding technical requirements and operational procedures for Open Banking implementation2021 BCB Resolution No. 86 — Amending BCB Resolution No. 32 of October 29, 2020, on Technical Requirements and Operational Procedures for Open Banking Implementation2021
Amends: Resolution No. 117 dated 2021-07-21not in RegAlertResolution No. 294 dated 2023-02-23not in RegAlertResolution No. 398 dated 2024-07-04not in RegAlertResolution No. 526 dated 2025-12-03not in RegAlertResolution No. 86 dated 2021-04-14not in RegAlert
Issued under: Joint Resolution No. 1 - Implementation of Open Finance2020 Lei n.º 4.595, de 31 de dezembro de 1964 — dispõe sobre a política e as instituições monetárias, bancárias e creditícias (establishes the National Financial System and the Banco Central do Brasil)1964Law No. 12.865 dated 2013-10-09not in RegAlert
Basis for: Central Bank of Brazil Instruction Normative No. 760 — Discloses Version 9.0 of the Customer Experience Manual for Open Finance2026 Normative Instruction BCB No. 759 — Publishes Version 8.0 of the Open Finance Data and Services Scope Manual2026 Central Bank Instruction No. 724 of April 16, 2026: Publication of Version 7.0 of the Open Finance Data and Services Scope Manual2026 Central Bank of Brazil Normative Instruction No. 720 of April 2, 2026: Publication of Version 5.0 of the Open Finance Security Manual2026 BCB Normative Instruction No. 706 — Publishes version 3.0 of the Open Finance Monitoring Manual2026 Normative Instruction BCB No. 588 — Publishes Version 4.0 of the Manual of Services Provided by the Open Finance Governance Structure2025
+6 more
Normative Instruction BCB No. 392 — Publishes the Schedule for Control Points for the Webhook API Notification Process in Open Finance by Account Holders2023 Normative Instruction BCB No. 387 — Publishes the Schedule for Control Points of the Production Publication Process for Version 1.0.0 (or Later) of the Investment Client Data APIs and the Open Finance Consents and Resources APIs2023 Instruction Normative BCB No. 377 — Discloses the schedule for control points in the production publication process of version 1.0.0 (or later) of the Open Finance Open Data APIs for Capitalization, Pension, and Personal Insurance2023 Normative Instruction BCB No. 365 — Procedures for Submission of Adaptation Plan for Open Finance Participation Obligations and Non-Compliance Communication2023 Normative Instruction BCB No. 357 — Publishes the Schedule for Control Points in the Production Publication Process of Open Finance Open Data APIs for Foreign Exchange, Investments, and Accreditation2023 BCB Normative Instruction No. 326 — Publishes the schedule for control points in the production publication process of Open Finance Payment Initiation Services API version 2.0.02022
Referred to by: Resolution BCB No. 118 — Amends Resolution BCB No. 1 of August 12, 2020, which institutes the Pix payment arrangement and approves its Regulations2021

Timeline

Amended 4 times · last 2025-12-03

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