Câmara aprova fim dos descontos no INSS

Chamber Approves Bill That Bans Discounts on INSS and Promises to Transform the Lives of Retirees and Pensioners

Written by Caio Aviz

Published on 04/09/2025 at 19:38

Parlamentar faz discurso no plenário da Câmara dos Deputados, com a bandeira nacional ao fundo, em contexto de política institucional

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Approval Of The Base Text And Political Context

The Chamber of Deputies approved, in a symbolic vote held on September 3, 2025, the bill that prohibits the application of discounts on membership fees in the benefits of the INSS.

The measure, proposed by Murilo Galdino (Republicans-PB) and reported by Danilo Forte (Union-CE), gained strength after the scandal of the Operation Without Discount.

The operation was triggered by the Federal Police and the Office of the Comptroller General of the Union.

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With this decision, even the express authorization of the beneficiary will not be accepted to deduct amounts from associations or unions.

Thus, any payment must be made by bank slip.

What Changes With The New Law

The change in the Social Security Law establishes that discounts on benefits paid by the INSS related to membership fees, contributions, or other amounts intended for unions and class entities are prohibited.

However, discounts related to loans, financing, and leasing operations remain authorized.

For this, the authorization must be personal, biometric, and electronically signed.

In addition, the bill includes the possibility of amortization of operations for advance payment of the pension benefit.

Thus, differentiated rules for banking contracts remain in effect.

Critiques And Political Disputes

Government officials linked to President Luiz Inácio Lula da Silva’s base criticized the proposal.

For them, the measure weakens unions and entities that provide relevant services.

At the same time, it allows banks the freedom to carry out payroll-deducted loans.

During the debates, parliamentarians requested flexibility to allow specific discount authorizations.

The final text rejected this possibility.

In addition, there was dissatisfaction with the transfer of the definition of interest rates for payroll loans.

Previously, this function belonged to the National Social Security Council.

Now, the responsibility passes to the Monetary Council, composed of the Central Bank, the Ministry of Finance, and the Ministry of Planning.

Key Points Of The Project

Among the main approved measures, the following stand out:

Mandatory Refund Within 30 Days for undue charges, both from membership fees and from payroll loans.
Joint Liability Of The INSS, which must reimburse beneficiaries in case of non-return by banks or entities.
Use Of The Credit Guarantee Fund (FGC) to cover amounts when financial institutions in liquidation fail to make the return.
Active Search For Affected Beneficiaries, imposing on the INSS the duty to locate and rectify irregularities.
Seizure Of Assets Of Those Investigated in cases of proven fraud in illegal discounts.
Authority Of The CMN To Define Payroll Loan Interest Rates, replacing a responsibility that previously belonged to the CNPS.

Practical Impacts And Next Steps

With the approval of the base text, the deputies began analyzing the highlights still on the night of September 3.

The decision directly impacts millions of retirees and pensioners, who previously suffered from authorized deductions on payroll.

These deductions were often legally challenged.

Thus, the new legislation seeks to increase protection for insured individuals and tighten rules against abuses.

However, the proposal raises concerns among unions and retirement entities.

The next step will be the voting on the highlights.

This stage could confirm or adjust important details before presidential sanction.

The measure marks a structural change in the discount system on pension benefits.

It reinforces the supervisory role of the INSS and the Monetary Council.

So, Will This Change Represent More Security For The Insured Or Weaken Entities That Rely On Contributions?

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Chamber Approves Bill That Bans Discounts on INSS and Promises to Transform the Lives of Retirees and Pensioners

Approval Of The Base Text And Political Context

Major Oil, Gas, and Energy Event Will Take Place in Brazil: Macaé Energy Will Gather Petrobras, Equinor, Prio, Among Other Suppliers and Energy Executives for Business, Networking, and Employment Opportunities

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Chamber Approves Bill That Bans Discounts on INSS and Promises to Transform the Lives of Retirees and Pensioners

Approval Of The Base Text And Political Context

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