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Regulation Creates Four Rights for Financial Services Customers: Salary Portability, Automatic Debit Between Institutions, Clear Information, and Credit with Reduced Interest Rates.
The Law 15.252/2025 came into effect upon publication in the Federal Official Gazette on November 5. The text was signed by President Luiz Inácio Lula da Silva with vetoes and organizes a “statute” for users of financial services for clients of Brazilian banks.
The regulation aims at competition, interoperability with Open Finance, and reduction of information asymmetries.
The new framework establishes four pillars: automatic salary portability, automatic debit between institutions, right to clear information, and credit with reduced interest rates in a special modality. According to the Senate and the Chamber, the agenda seeks to provide more freedom of choice and transparency for consumers.
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The law has immediate validity, but depends on infra-legal acts to detail operational flows. The National Monetary Council will issue guidelines and the Central Bank will regulate procedures within 180 days.
Behind the change is a history of fragmented rules and unequal practices among banks and fintechs. With legal standardization, the expectation is to intensify competition for customers, including through Open Finance integrations.
Four Pillars: Portability, Debts, Information, and Cheaper Credit
The automatic portability will allow the worker to authorize the permanent and digital transfer of their salary to their preferred institution, without repeated requests for each job link. This authorization will be integrated among banks under the supervision of the Central Bank, raising competition for receiving accounts.
The automatic debit between institutions becomes a right for the customer. Installments of loans or financing may be debited from an account at another bank, which reduces friction, improves cash flow control, and tends to decrease delays.
Regarding the right to information, banks and fintechs must present the total cost of credit clearly, communicate relevant changes, and offer reports and more advantageous alternatives when available. The goal is to reduce blind decision-making and encourage portability in credit lines as well.
The new credit with reduced interest rates modality will allow discounts on rates when the customer accepts additional conditions that reduce risk for the lender, with parameters to be defined by the Central Bank according to guidelines from the National Monetary Council.
Automatic Salary Portability: How It Will Work
In practice, the company may pay into one bank, and the amount will automatically “drop” into the bank chosen by the worker. The authorization will be electronic and recorded, and the institutions must make the service available on their digital channels. This arrangement leverages the Open Finance infrastructure for secure data exchanges.
This provision expands freedom of choice and avoids commercial “ties” in receiving earnings, including salaries, allowances, and pensions. The aim is to lower packages and fees through competition among institutions.
Experts point out that automatic portability tends to increase migrations to accounts with lower costs and better digital experiences, imposing adjustments on retention models.
Automatic Debit Between Banks and Interoperability
With the right to automatic debit between banks, the customer can organize financing and bills without being restricted to the bank of origin of the credit. This facilitates account reconciliation and reduces the need for manual transfers.
Interoperability must follow standards to be defined by the Central Bank, focusing on reconciliation and fraud mitigation. The regulatory design will be crucial to avoid undue chargebacks and disputes among institutions.
Transparency and Limits: What Changes for the Consumer
The law reinforces clear information about interest and charges, with prior communication of relevant changes regarding overdraft and credit cards.
It also encourages institutions to present cheaper credit options when they identify alternatives for the customer.
The goal is to reduce involuntary use of expensive credit and to limit automatic increases in limits without authorization, practices associated with over-indebtedness. The guideline aligns with the Consumer Protection Code and existing rules, now elevated to a legal level.
Credit with Reduced Interest Rates: Counterparties and Safeguards
The special modality with reduced interest rates should foresee percentage discounts on rates of comparable products, conditioned to measures that reduce the risk of default. Among the conditions are electronic notifications and faster collection processes, according to future regulations. Lex
The legal text requires that the credit instrument provides contact channels and deadlines for data updates, as well as rules for electronic notifications. Implementation depends on standardization by the Central Bank.
Presidential Vetoes and Regulation Calendar
There were five vetoes. The expansion of the concept of salary account to include prepaid accounts, the rigid deadline of two business days for portability, and sections that transferred to the Central Bank duties that the government believes belong to the National Monetary Council were struck down. The justification cited risks to payment security and combating fraud.
With publication, the law is already in effect, but full implementation depends on regulation within 180 days. Offices and entities estimate that complete adoption will occur throughout 2026, as complementary norms are issued and implemented by banks.
Congress can still analyze the vetoes and maintain or overturn them, which may alter deadlines and operational definitions.
Consumers and institutions must monitor the proceedings to adjust processes and contracts.
What the Customer Should Do Now
First, there is no automatic migration without your consent. Review apps and online banking and wait for official instructions on how to authorize portability and debit between banks when the rules are finalized. Be alert to standardized communications regarding the total cost of credit.
Second, compare fees, packages, and rates. The new law increases your bargaining power. Use Open Finance to share data when it provides better conditions.
Third, avoid accepting credit offers without careful reading of the additional conditions that reduce interest. Discounts come with contractual obligations that will need to be understood.
Do you think that the vetoes protect against fraud or weaken the right to rapid portability? How should banks implement debit between institutions without creating new barriers? Leave your comment and let us know if this law will actually reduce interest in your day-to-day life.
Parece um contrassenso, mas é necessário uma punição mais rígida para quem dá calote de forma intencional. Os juro altos estão ligados a inadimplência, então se a inadimplência cai, os juros tendem a cair também.
Bem capaz!! Já viram banco perder dinheiro??
Vão enrolar como sempre fazem!
Mas é o seguinte SEGURA O DINHEIRO
MERMÃO!!
Emprestar pra quê?
Pra dar JURO pra banco?
Só **** entra nessa
Vai lá financiar um carro e PAGAR DOIS
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EU JÁ ACHO QUE NINGUÉM AJUDA EM NADA É SÓ O POVO QUE PAGA SÓ BENEFICIA OS BANCOS INFELIZMENTE