With The New Law Signed By Lula, Banks Are Required To Disclose All Costs, Enable Automatic Salary Portability, And Create Credit Options With Lower Interest Rates

Written by Romário Pereira de Carvalho

Published on 06/11/2025 at 23:30

Imagem ilustrativa: IA

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New Law Signed by Lula Guarantees Automatic Salary Portability, Enhances Transparency in Loans, and Requires Banks to Disclose Total Costs, Strengthening Consumer Rights and Modernizing the National Financial System

Law 15.252/2025, signed by President Lula, guarantees new rights to bank customers and enhances transparency in financial operations. Among the main changes is the ability for workers to request automatic salary portability and authorize loan payments even when the deposit is made in another bank.

The measure seeks to simplify processes and give more freedom to consumers, as it eliminates the need for manual transfers and reduces barriers between institutions.

In addition, the law creates credit modalities with lower interest rates, which should benefit those seeking loans with more accessible total costs.

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Changes in the Law: Mandatory Transparency in Operations

Another important point is the requirement to disclose the total cost of credit operations. Banks will have to clearly inform all fees and charges applied in financing and loans.

This requirement aims to prevent surprises and allow customers to better compare the available options in the market.

The text, however, had some presidential vetoes. Lula removed the fixed deadline of two business days for salary portability and the prohibition of refusal of the request due to data inconsistencies.

He also retained the responsibilities that Congress intended to transfer to the Central Bank in the National Monetary Council.

Debate and Approval in the Senate

The project went through different committees in the Senate before being approved. It passed through the Transparency, Oversight, and Consumer Protection Committees, and the Economic Affairs Committee.

In the latter, the rapporteur was Senator Eduardo Braga (MDB-AM), who praised the text for bringing more balance between banks and consumers.

For Braga, the new law represents an important advancement. He stated that the measure strengthens consumer protection and modernizes the regulation of the financial system, as it reduces the economic vulnerability of citizens and increases trust in banking intermediation.

Analysis of the Vetoes and Next Steps

The presidential vetoes are now subject to analysis by the National Congress. Lawmakers will have 30 days to decide whether to uphold or overturn the Executive’s decisions.

Information is from the Senate portal.

With The New Law Signed By Lula, Banks Are Required To Disclose All Costs, Enable Automatic Salary Portability, And Create Credit Options With Lower Interest Rates

New Law Signed by Lula Guarantees Automatic Salary Portability, Enhances Transparency in Loans, and Requires Banks to Disclose Total Costs, Strengthening Consumer Rights and Modernizing the National Financial System

Changes in the Law: Mandatory Transparency in Operations

Debate and Approval in the Senate

Analysis of the Vetoes and Next Steps

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With The New Law Signed By Lula, Banks Are Required To Disclose All Costs, Enable Automatic Salary Portability, And Create Credit Options With Lower Interest Rates

New Law Signed by Lula Guarantees Automatic Salary Portability, Enhances Transparency in Loans, and Requires Banks to Disclose Total Costs, Strengthening Consumer Rights and Modernizing the National Financial System

Changes in the Law: Mandatory Transparency in Operations

Debate and Approval in the Senate

Analysis of the Vetoes and Next Steps

A giant printer called the “Ferrari” of concrete has landed in Latin America and can already build a 120-square-meter house in just 48 hours, making the traditional construction site look like something from the last century.

Great Atlantic Sargassum Belt has ceased to be a climatic phenomenon and has become a biological system that feeds on itself, with 8,000 kilometers in length, 37 million tons of algae, and scientists confirm that it is now permanent.

A British company has installed in the middle of the ocean the world’s first floating platform that generates electricity 24 hours a day from the temperature difference between the surface and the depths of the Atlantic, without relying on wind or sun.

Brazil will harvest a record crop of up to 357 million tons of grains, but it does not have the capacity to store a large part of it. The storage deficit has reached the highest level in history and is equivalent to almost the entire production of Argentina.

Engineers had to pour concrete mixed with tons of ice throughout entire nights in the Dubai desert to erect the Burj Khalifa; any carelessness could clog the pipes half a mile high.

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