RegAlert2013-11-04 | Resolução CMN 4282Added
Resolution CMN No. 4282 — Establishes Guidelines for Regulation, Surveillance, and Supervision of Payment Institutions and Payment Arrangements in the Brazilian Payments System
Resolution CMN No. 4282 establishes guidelines for the regulation, surveillance, and supervision of payment institutions and payment arrangements within the Brazilian Payments System (SPB). It defines key terms, sets supervisory objectives including interoperability and financial inclusion, and outlines authorization requirements for payment arrangements and institutions. The resolution mandates risk management standards, governs payment accounts, and specifies rules for third-party service providers and the adherence of financial institutions to payment arrangements.
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The Central Bank of Brazil, in accordance with Article 9 of Law No. 4,595 of December 31, 1964, makes public that the National Monetary Council, in a session held on October 31, 2013, based on Articles 1, sole paragraph, item XIII, of Complementary Law No. 105 of January 10, 2001, and Articles 6, 7, 9, and 10 of Law No. 12,865 of October 9, 2013,
RESOLVES:
CHAPTER I
OF THE OBJECT AND SCOPE OF APPLICATION
Art. 1. This Resolution establishes the guidelines that must be observed in the regulation, surveillance, and supervision of payment institutions and payment arrangements that are part of the Brazilian Payments System (SPB).
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Lineage: Amended
Show all related documents (30)
- Amended by
- CMN Resolution No. 5,049 — Amending Resolutions Nos. 4,282, 4,553, 4,606, 4,677, 4,955, and 4,9582022CMN Resolution No. 4951 — Amends Resolution No. 4,282 of November 4, 2013 to Clarify That Payment Transaction Definition Includes Fund Donations2021
- Issued under
- Law No. 12,865, of October 9, 2013 — payment arrangements and payment institutions that are part of the Brazilian Payment System2013Complementary Law No. 105 of January 10, 2001 — Secrecy of Operations of Financial Institutions2001Law No. 4595 dated 1964-12-31not in RegAlert
- Basis for
- BCB Resolution No. 580 — Classifies Virtual Asset Service Providers as Type 3 and Prohibits Virtual Asset Services for Segment 52026Central Bank Resolution No. 554 Amending the Regulations for the Instant Payment System (SPI) and Instant Payment Account (Conta PI)2026Central Bank Resolution No. 507 Approving the Pix Penalties Manual2025BCB Resolution No. 505 Amending BCB Resolution No. 51 of December 16, 2020, Establishing Procedures for Authorization and Cancellation of Account Debit Authorizations2025BCB Resolution No. 501 — Amends BCB Resolution No. 142 of September 23, 2021, Regarding Procedures and Controls for Fraud Prevention in Payment Services2025BCB Resolution No. 440 — Recovery and Resolution Planning for Payment Institutions and the Recovery and Organized Exit Plan (PRSO)2024
+12 more
BCB Resolution No. 319 — Establishes maximum exposure limits per client and maximum limit for concentrated exposures, and amends BCB Resolutions Nos. 201 and 2652023BCB Resolution No. 296 — Amends BCB Resolution No. 80 of March 25, 2021, Regarding Payment Institutions2023Central Bank Resolution No. 269 of December 1, 2022, Amending the Pix Payment Arrangement Regulation2022Resolução BCB nº 246 — Establishes maximum limits for interchange fees and prohibits different maximum deadlines for fund availability for the receiving end user in domestic, purchase, prepaid payment account, and deposit payment arrangements2022BCB Resolution No. 142 — Procedures and Controls for Fraud Prevention in Payment Services2021BCB Resolution No. 95 — Amends the Regulation annexed to BCB Resolution No. 1 of August 12, 2020, which governs the operation of the Pix payment arrangement2021BCB Resolution No. 88 — Amends the Regulation Governing the Pix Payment Arrangement2021Circular No. 4031 — Amends Circular No. 3,682 of November 4, 2013, to establish conditions for payment arrangements to integrate into the Brazilian Payments System (SPB) due to risks to the normal functioning of retail payment transactions2020Circular No. 4022 — Procedures for Authorization and Cancellation of Debit Authorizations in Prepaid Payment Accounts2020Circular No. 4020 — Waiver of prior authorization from the Central Bank of Brazil for changes to payment arrangement regulations to enable transactions related to digital social savings accounts2020Circular No. 3985 — Establishes provisions regarding participation modalities and criteria in the instant payment arrangement and the Instant Payment System (SPI) and direct access criteria to the Transactional Account Identifiers Directory (DICT)2020Circular No. 3681 — Regulates risk management, minimum capital requirements, governance of payment institutions, preservation of value and liquidity of balances in payment accounts, and other provisions2013 - Referred to by
- BCB Resolution No. 525 — Regulates Repo Operations with Fixed-Income Securities by Payment Institutions, Securities Brokers, Dealers, and Currency Brokers2025BCB Normative Instruction No. 460 of March 28, 20242024BCB Resolution No. 346 of October 5, 2023, amending Resolution BCB No. 229 of May 12, 2022, regarding standardized approach risk-weighted assets for credit risk exposures2023BCB Resolution No. 331 — Establishes the Social, Environmental and Climate Responsibility Policy (PRSAC) for Type 3 Institutions and Actions for its Effectiveness2023BCB Resolution No. 324 of June 14, 2023, amending Circular No. 3,809 of August 25, 2016, regarding procedures for recognizing mitigating instruments in calculating risk-weighted assets for credit risk exposures under the standardized approach2023Central Bank Resolution No. 303 of March 16, 2023: Procedures for Calculating Risk-Weighted Assets for Credit Risk Exposures Under Internal Ratings-Based Approvals2023
Timeline
Amended 2 times · last 2022-11-25
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