Resolution CMN No. 5024 — Adjusts norms regarding Chapter 1 (Preliminary Provisions), Chapter 2 (Basic Conditions), and Chapter 10 (National Program for Strengthening Family Agriculture – Pronaf) of the Rural Credit Manual (MCR)

The current text of the MCR is available at the following address: www3.bcb.gov.br/mcr.

RESOLUTION CMN
NO. 5,024, OF JUNE 29, 2022

Adjusts norms regarding
Chapter 1 (Preliminary Provisions), Chapter 2 (Basic Conditions) and Chapter 10 (National
Program for Strengthening Family Agriculture – Pronaf) of the Rural Credit Manual (MCR).

The
Central Bank of Brazil, in accordance with art. 9 of Law No. 4,595, of December 31, 1964, makes public that the National Monetary Council, in an extraordinary session held on June 29, 2022, taking into account the provisions of art. 4, item VI, of Law No. 4,595, of 1964, arts. 4 and 14 of Law No. 4,829, of November 5, 1965, and arts. 48 and 49 of Law No. 8,171, of January 17, 1991,

R E S O L V E S:

Art. 1. Section 2 (Beneficiaries) of Chapter 1 (Preliminary Provisions) of the Rural Credit Manual (MCR) shall be effective with the following alteration:

“5 - ...................................................................................................................

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e) a small rural producer is considered the beneficiary classified under item “a” of item 3 or the holder of a Declaration of Aptitude for Pronaf (DAP), or the holder of the document National Registry of Family Agriculture of the National Program for Strengthening Family Agriculture (CAF-Pronaf);

...............................................................................................................”
(NR)

Art.
2. Section 1 (General Provisions) of Chapter 2 (Basic Conditions) of the MCR shall be effective with the following alterations:

“11 - .................................................................................................................

a) .....................................................................................................................

........................................................................................................................

VII - Declaration of Aptitude for
Pronaf (DAP) or document National Registry of Family Agriculture of the National Program for Strengthening Family Agriculture (CAF-Pronaf), when it comes to beneficiaries classified under Pronaf;

..............................................................................................................”
(NR)

“14 - The following Pronaf beneficiaries are exempt from the requirements provided for in items “a” and “b” of item 11, upon presentation of a DAP or CAF-Pronaf:

...............................................................................................................”
(NR)

Art. 3.
Section 1 (General Provisions) of Chapter 10 (National Program for Strengthening Family Agriculture– Pronaf) of the MCR shall be effective with the following alterations:

“7 - The documentation pertinent to the contractual relationship between the landowner and the credit beneficiary is not subject to the requirement of registration at a notary office, being exempt for land possessors whenever the condition of land possession is registered in the Declaration of Aptitude for Pronaf (DAP) or in the National Registry of Family Agriculture of the National Program for Strengthening Family Agriculture (CAF-Pronaf).” (NR)

“27 - .................................................................................................................

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f) ......................................................................................................................

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II - 60 (sixty) days after the due date of the installment for other cases, observed the provisions of item III;

III - 120 (one hundred and twenty) days after the due date of the installment for operations contracted with resources from the FNO, FCO and FNE;

................................................................................................................”
(NR)

“38

• .................................................................................................................

a) can acquire cargo vehicles, motorized, electric or animal-drawn vehicles, suitable for rural conditions, including trucks, light trucks for cargo and motorcycles adapted to rural activity, which must appear in the list of the Map and CFI of BNDES when it comes to trucks, observing the minimum description and maximum value of each item;

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e) the plan, project or budget for financing must contain the Map code and the CFI code of BNDES referring to the item to be acquired, when it comes to trucks;

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(NR)

Art. 4.
Section 2 (Beneficiaries) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alterations:

“1 - Beneficiaries of the National Program for Strengthening Family Agriculture (Pronaf) are farmers and rural producers who comprise the family production units of rural production and who prove their classification by presenting an active Declaration of Aptitude for Pronaf (DAP) or a valid document National Registry of Family Agriculture of the National Program for Strengthening Family Agriculture (CAF-Pronaf), observed the following:

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f) have obtained gross family income, in the last 12 (twelve) months of normal production preceding the request for the DAP or CAF-Pronaf, of up to R$500,000.00 (five hundred thousand reais), considering in this limit the sum of 100% (one hundred percent) of the Gross Value of Production (VBP), 100% (one hundred percent) of the value of revenue received from an integrating entity and other revenues from activities developed on the establishment and outside it, received by any family member, excluding social benefits and pension benefits resulting from rural activities;

...............................................................................................................”
(NR)

“2

• Also beneficiaries of Pronaf, upon presentation of an active DAP or valid CAF-Pronaf, are persons who:

...............................................................................................................”
(NR)

“3 - The Pronaf beneficiaries defined in items 1 and 2 can be classified in special groups of the Program, upon presentation of an active DAP or valid CAF-Pronaf, according to the following conditions:

...............................................................................................................”
(NR)

“4

• The active DAP or valid CAF-Pronaf, as established by the Ministry of Agriculture, Livestock and Supply (Mapa), is required for the granting of financing within the scope of Pronaf, observed further that:

...............................................................................................................”
(NR)

“5

• For the purpose of proving the beneficiary's link with the land and the activity, the active DAP or valid CAF-Pronaf is sufficient for the purpose of contracting Pronaf financing in the credit line referred to in the Section Rural Productive Microcredit (Group “B”) and, at the discretion of the financial institution, may be used for contracting financing for working capital or investment in the other lines of Pronaf.” (NR)

Art.
5. Section 5 (Investment Credits – Pronaf Mais Alimentos) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alterations:

“3

• Financing for the acquisition of tractors and associated implements, harvesters and their cutting platforms, as well as self-propelled agricultural machines for spraying and fertilizing, when related to the undertakings and purposes below, must observe the financial charge defined for other undertakings and purposes, according to item 5 of Investment Credit - Pronaf Mais Alimentos (MCR 10-5) of Table 1 of MCR 7-6:

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d) acquisition and installation of protected cultivation structures, including automation equipment for these crops; e) construction of silos, expansion and construction of warehouses intended for the storage of grains, fruits, tubers, bulbs, vegetables and fibers; f) acquisition of milk cooling tanks and milking machines;

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h) aquaculture and fishing.” (NR)

Art.
6. Section 6 (Investment Credit for Income Aggregation – Pronaf
Agroindustry) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alterations:

“2

• A family rural undertaking, as referred to in Law No. 11,326, of July 24, 2006, is a legal entity constituted for the purpose of benefiting, processing and marketing agricultural and livestock products, or still for providing rural tourism services, provided that it is formed exclusively by one or more Pronaf beneficiaries referred to in the Section Beneficiaries of this Chapter, proven by the presentation of a list with the number of the active Declaration of Aptitude for Pronaf (DAP) or the document National Registry of Family Agriculture of the National Program for Strengthening Family Agriculture (CAF-Pronaf) valid of each partner, and that, at least, 70% (seventy percent) of the production to be benefited, processed or marketed is produced by its associates.”(NR)

“3

• Cooperatives (singular or central) of family agriculture, as referred to in § 4 of art. 3 of Law No. 11,326, of 2006, are those that prove that, at least, 60% (sixty percent) of their active participants are beneficiaries of Pronaf, proven by the presentation of a list with the number of the active DAP or valid CAF-Pronaf of each cooperative member and that, at least, 55% (fifty-five percent) of the production to be benefited, processed or marketed originates from cooperatives classified under Pronaf, and whose financing project proves these same percentages regarding the number of participants and the production to be benefited, processed or marketed referring to the respective project.”(NR)

“4

• ...................................................................................................................

a)
.....................................................................................................................

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II - the family rural enterprises defined in item 2 that present an active legal entity DAP or Active Registration in the National Registry of Family Agriculture (RICAF) for family agroindustry;

III - the cooperatives constituted by the Pronaf beneficiaries defined in item 3 that present an active legal entity DAP or active RICAF for this form of organization;

...............................................................................................................”
(NR)

Art. 7.
Section 7 (Investment Credit for Agroforestry Systems (Pronaf Floresta) of Chapter 10 (Pronaf) of the MCR shall be renamed “Investment Credit for Agroforestry Systems (Pronaf ABC+ Floresta)”.

Art. 8.
Section 7 (Investment Credit for Agroforestry Systems - Pronaf
ABC+ Floresta) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alteration:

“1

• Financing under the Investment Credit Line for Agroforestry Systems (Pronaf ABC+ Floresta) is subject to the following special conditions:

...............................................................................................................”
(NR)

Art. 9. Section 8 (Investment Credit for
Coexistence with the Semi-Arid Region–Pronaf Semiárido) of Chapter 10 (Pronaf) of the MCR shall be renamed “Investment Credit for Coexistence with the Semi-Arid Region (Pronaf ABC+ Semiárido)”.

Art. 10.
Section 8 (Investment Credit for Coexistence with the Semi-Arid Region –
Pronaf ABC+ Semiárido) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alteration:

“1

• Financing under the Investment Credit Line for
  Coexistence with the Semi-Arid Region (Pronaf ABC + Semiárido) is subject to the following special conditions:

...............................................................................................................”
(NR)

Art. 11. Section 9 (Investment Credit for
Women – Pronaf Mulher) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alterations:

“2

• ...................................................................................................................

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b) upon presentation of the active Declaration of Aptitude for Pronaf (DAP) or the valid National Registry of Family Agriculture of the National Program for Strengthening Family Agriculture (CAF-Pronaf) issued by the National Institute for Colonization and Agrarian Reform (Incra) or State or Regional Technical Unit (UTE/UTR) of Land Credit, as applicable, observing the norms defined by the Ministry of Agriculture, Livestock and Supply (Mapa).” (NR)

“3
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b) that all family members listed in the DAP or CAF-Pronaf are up to date with rural credit.” (NR)

Art. 12. Section 10 (Investment Credit for Youth– Pronaf Jovem) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alteration:

“1 -...................................................................................................................

a) beneficiaries:
youth over 16 (sixteen) years old and up to 29 (twenty-nine) years old, members of family units classified under the Beneficiaries Section of this
Chapter, who meet one or more of the following conditions, in addition to the
presentation of an active Declaration of Aptitude for Pronaf (DAP) or National Registry of Family Agriculture of the National Program for Strengthening Family Agriculture (CAF-Pronaf):

................................................................................................................”
(NR)

Art. 13. Section 12 (Credit for Integration of Partnership Shares by Pronaf Cooperativated Beneficiaries– Pronaf Partnership Shares) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alteration:

“1 - ...................................................................................................................

a) .....................................................................................................................

I - cooperatives of agricultural production that: have, at least, 60% (sixty percent) of their active partners classified as beneficiaries of the National Program for Strengthening Family Agriculture (Pronaf) and that, at least, 55% (fifty-five percent) of the benefited, processed or marketed production originates from active partners who are beneficiaries of Pronaf, the proof of these percentages being made by the presentation of a written list with the number of the Declaration of Aptitude for Pronaf (DAP) or the National Registry of Family Agriculture of the National Program for Strengthening Family Agriculture (CAF-Pronaf) of each associate; have a minimum net worth of R$25,000.00 (twenty-five thousand reais), at least one year of operation and present to the financial institution an active legal entity DAP or Active Registration in the National Registry of Family Agriculture (RICAF), as defined by the Ministry of Agriculture, Livestock and Supply (Mapa); and comply with the provisions of the Section Integration of Partnership Shares of Chapter Credits to Agricultural Production Cooperatives, insofar as it does not conflict with the provisions of this Section;

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(NR)

Art. 14. Section 13 (Rural Productive Microcredit– Group “B”) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alteration:

“5

• In the operationalization of rural productive microcredit financing, carried out between financial institutions and beneficiaries, when the microcredit methodology recommended by the National Program for Guided Productive Microcredit (PNMPO), as referred to in Law No. 13,636, of March 20, 2018, is adopted, financial institutions, maintaining their responsibilities, may act by mandate, through Organizations of Civil Society of Public Interest (Oscip) and credit cooperatives, credit agents and legal entities specialized in support, promotion or guidance to productive activities in the rural environment, using the available sources and the financial conditions established for rural microcredit.” (NR)

Art. 15.
Section 14 (Investment Credit for
Agroecology– Pronaf Agroecology) of Chapter 10 (Pronaf) of the MCR shall be renamed “Investment Credit for Agroecology – Pronaf ABC+ Agroecology”.

Art. 16.
Section 14 (Investment Credit for Agroecology – Pronaf ABC+ Agroecology) of the
Chapter 10 (Pronaf) of the MCR shall be effective with the following alteration:

“1

• The Investment Credit Line for Agroecology (Pronaf ABC+
  Agroecology) is subject to the following special conditions:

................................................................................................................”
(NR)

Art. 17.
Section 15 (Price Guarantee Program for
Family Agriculture– PGPAF) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alterations:

“4 - ...................................................................................................................

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c) upon receiving the spreadsheets referred to in item I of item “a”, the STN shall manifest itself, within a period of up to 10 (ten) business days from the day following the date of receipt, regarding the conformity of the values presented by the financial institution, being able to request, within this period, the necessary corrections, electronically, considering that the established period includes 5 (five) business days for the confirmation of the Declaration of Aptitude for Pronaf (DAP) or the National Registry of Family Agriculture of the National Program for Strengthening Family Agriculture (CAF-Pronaf) of each beneficiary by Mapa, in accordance with item 6;

...............................................................................................................”
(NR)

“6 - For the payment of the economic subsidy related to the bonuses of discounts for price guarantee, the STN will request from Mapa confirmation of the DAP or CAF-Pronaf of each beneficiary, and active DAPs or valid CAF-Pronafs in the electronic system of Mapa on the date of granting of the discount bonus by the financial institution will be considered valid.” (NR)

“14 - The financial institution can only grant discount bonuses due to the PGPAF for borrowers who, on the date of payment of the installment, have a valid DAP or valid CAF-Pronaf, electronically registered in the Mapa registration system, provided that the payment is made until its due date.” (NR)

Art. 18.
Section 16 (Investment Credit in Systems
of Extractive Exploitation, Sociobiodiversity Products, Renewable Energy and Environmental Sustainability– Pronaf Bioeconomy) of Chapter 10 (Pronaf) of the MCR shall be renamed “Investment Credit in Systems of Extractive Exploitation, Sociobiodiversity Products, Renewable Energy and Environmental Sustainability (Pronaf ABC+ Bioeconomy)”.

Art. 19. Section 16
(Investment Credit in Systems of Extractive Exploitation, Products of Sociobiodiversity, Renewable Energy and Environmental Sustainability – Pronaf ABC+ Bioeconomy) of Chapter 10 (Pronaf) of the MCR shall be effective with the following alterations:

“1 - The Credit Line of Investment in Systems of Extractive Exploitation, Sociobiodiversity Products, Renewable Energy and Environmental Sustainability (Pronaf ABC+ Bioeconomy) is subject to the following special conditions:

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b)
.....................................................................................................................

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XI

• conservationist practices of use, management and protection of the soil-water-plant system, including correction of soil acidity and fertility, and acquisition, transport, application and incorporation of inputs (limestone, remineralizers registered with Mapa, and others) for these purposes;

XII - formation and recovery of pastures, hay fields and other forage species, production and conservation of forage, silage and hay intended for animal feed;

XIII - implementation, expansion and reform of infrastructure for water capture, storage and distribution, including acquisition and installation of water reservoirs, electrical infrastructure and equipment for irrigation;

XIV - ecologically sustainable extractive exploitation;

XV - systems of crop-livestock integration, crop-forestry, livestock-forestry or crop-livestock-forestry;

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(NR)

Art. 20.
Items “a”, “b”, “c” and “g” of item 3 of Section 5 (Investment Credits – Pronaf Mais Alimentos) of Chapter 10 (Pronaf) of the MCR are repealed.

Art. 21. This Resolution enters into force on July 1, 2022.

Paulo Sérgio Neves de Souza
President of the Central Bank of Brazil, substitute