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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.
