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New federal government program attempts to reduce default in Brazil with billion-dollar support, but experts question adopted criteria, real reach, and lack of official technical basis
The federal government launched the program Desenrola 2 as one of the main economic bets to reduce default in Brazil in 2026. However, despite the strong promotion of the initiative, the Ministry of Finance admitted that it did not prepare a consolidated technical study to define the rules and scope of the measure.
The information was released in May 2026 by the Metrópoles portal column, which revealed details about the structuring of the program and the questions posed to the Ministry of Finance. According to the report, the economic team based the decisions on internal evaluations and conversations with representatives of the financial sector.
Moreover, the numbers drew attention. Although Brazil currently has about 82 million defaulters, the government estimates that Desenrola 2 could reach approximately 20 million people. In practice, this represents only about 24% of the total indebted Brazilians.
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Meanwhile, economists and political analysts have started to question the effectiveness of the initiative and the absence of public studies supporting the program’s rules.
Government bets on renegotiation of bank debts to reduce default in the country
Desenrola 2 focuses its actions on bank and financial debts. Thus, the program covers debts related to credit cards, overdrafts, and personal credit (CDC).
Additionally, the rules cover only debts contracted up to January 31, 2026, and that are overdue between 90 days and two years.
According to the Ministry of Finance, the program will use resources from the Operations Guarantee Fund (FGO), funded with money from the National Treasury. Initially, the government authorized the use of R$ 2 billion. However, the economic team is already considering increasing this amount by up to an additional R$ 5 billion.
While the government defends the measure as an opportunity for financial recovery for millions of Brazilians, experts criticize the lack of transparency in the formulation of the public policy.
Political scientist Sérgio Praça stated that the program appears to be improvised. According to him, a public policy with such a significant economic impact should present detailed studies on reach, risks, and expected results.
Furthermore, the expert highlighted that the government repeated a pattern already observed in other recent programs, such as Pé-de-Meia, launched earlier without widely publicized technical studies.
Ministry of Finance admits absence of consolidated technical study
During questions from the press, the Ministry of Finance officially acknowledged that it did not produce a single technical study to structure Desenrola 2.
In a response sent to the Metrópoles column, the department stated that the program was born from “government evaluations and discussion with the sector.”
Additionally, the ministry explained that it considered public data on indebtedness and the resources available to finance the initiative.
Even so, the absence of a consolidated technical document increased criticism about the economic security and efficiency of the proposal.
Meanwhile, another controversy gained strength: the government confirmed that the program will not include tax debts with the Union.
According to the Finance Ministry, the economic team decided to prioritize debts that do not directly involve subsidized public resources.
On the other hand, critics pointed out an important contradiction. After all, the program will use public resources through the Operations Guarantee Fund.
Moreover, many experts questioned why the government did not include fiscal renegotiations in the package.
Public banks will maintain interest rates close to those practiced by the market
Another point that generated repercussion involves the interest rates charged by public banks.
During questions to the Finance Ministry, journalists asked if the government would reduce rates practiced by Caixa Econômica Federal and Banco do Brasil.
However, the ministry ruled out direct changes.
According to the economic team, public banks follow the same rules of the national financial system applied to private institutions. Thus, even while performing public functions, these institutions continue to operate under normal market conditions.
Additionally, the Finance Ministry stated that artificial interventions in rates could generate negative competitive impacts in the Brazilian financial system.
Meanwhile, millions of Brazilians continue to face difficulties in paying off debts accumulated in recent years.
In practice, Desenrola 2 emerges as another government attempt to reduce the pressure of default on the national economy. Even so, the limited scope of the program and the absence of robust technical studies continue to fuel debates about its real ability to transform the country’s financial scenario.
Experts also warn that the success of the initiative will depend directly on the adherence of banks, the conditions offered to consumers, and the gradual recovery of Brazilian families’ income.
In this scenario, many consumers are watching the next steps of the program with anticipation and hope for more accessible conditions to renegotiate their debts.
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