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Court of Accounts Reinforces Automatic Blocking and Biometric Authentication at INSS, Requiring Retirees to Confirm Transactions Before Deductions. Ruling Imposes New Validation Steps for Payroll Loans and Associations.
The Federal Court of Accounts has maintained exceptional measures to prevent fraud and unauthorized deductions from INSS benefits.
In this year’s ruling, the Court denied the agency’s appeals and established the automatic blocking of new deductions on the payroll, in addition to the requirement for enhanced authentication, such as advanced electronic signature and biometrics for association fees.
The ruling also mandated the reimbursement of undue amounts and extensive communication to beneficiaries. The reporting judge was Minister Aroldo Cedraz.
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What Is Already in Effect
Since May 2025, all benefits have been blocked for new payroll loans.
Starting on May 23, the authorization for deductions can only be done through biometric identification on Meu INSS.
Before this blocking, banks accessed the available margin and offered products without the insured’s consent. Now, the account holder decides whether their data will be visible to institutions.
Contracting Flow with Dual Validation
Currently, payroll loans are released in three stages. First, the insured confirms the request via biometrics.
Then, they finalize the contract at the bank.
Finally, they receive a confirmation request within Meu INSS, which acts as a second validation factor.
In a public hearing at the House on July 3, the director of Benefits and Citizen Relations at INSS, Márcia Eliza de Souza, explained:
“after the contract is made with the bank, they will receive [the confirmation request] in Meu INSS to confirm whether they will indeed authorize that deduction from their benefit.”
Alternative When Biometric Recognition Fails
In September 2025, an option was implemented for those who have difficulty with facial recognition.
In these cases, the benefit can be unlocked through login at the bank, in a flow integrated with Meu INSS.
The rule is clear: the procedure must occur only through official government channels — Meu INSS application or the website gov.br/meuinss.
Unlocking the benefit does not replace the contract with the bank, which remains mandatory.
Safety Basis and Accountability
The measures by the TCU have established a new standard of integrity.
The automatic blocking applies to all deductions, including association fees.
For these entities, the rule adds the requirement for advanced electronic signatures combined with biometrics.
Since the resources from INSS did not have a suspensive effect, the precautionary measures remain in effect until the agency fully adapts the systems.
The TCU also mandated extensive dissemination regarding undue deductions and reimbursement procedures.
Service: Block and Unblock via Meu INSS
The service Block/Unblock Benefit for Loan remains active on the gov.br portal and in the application. The request is entirely digital, accessed with a gov.br account.
The official page was updated on August 19, 2025 and details the internal path on Meu INSS.
The procedure is free of charge and can be done at any time, and in case of doubt, the Central 135 remains available.
Recommendations for Safe Use
The INSS’s guidance is to keep the benefit blocked by default and only release it at the time of contracting, re-blocking it immediately afterward.
Authorization must always be explicit, in writing or through electronic means, never by phone.
This practice reduces the risk of unauthorized contracts and minimizes the insured’s exposure to unsolicited offers.
Communication and Support
The TCU has mandated a reinforcement in communication with beneficiaries.
In addition to disclosing the risks of undue deductions, INSS must explain how to request refunds and guide proper use of digital channels.
Consumer protection entities warn that it is still necessary to improve the accessibility of instructions, especially for the elderly who are less familiar with technology.
Biometric Agenda
On July 23, 2025, the government published a decree regulating the mandatory use of biometrics in the granting, maintenance, and renewal of social security benefits.
The text provides for the use of official biometric databases and establishes temporary exceptions when there is no available structure.
The rule will come into force in November 2025, 120 days after publication.
Expected Impacts
With the automatic blocking, the mandatory biometrics, and the final confirmation in Meu INSS, the system no longer allows deductions without the insured’s active participation.
Financial institutions can only finalize contracts after validation within the official government environment.
The expected effect is a reduction in fraud, greater control for users over their data, and assurance of reimbursement in cases of undue charges.
Which points of the process could still be adjusted to simplify the life of the insured without compromising safety?
Acho errado bloquear nosso INSS, tem que ficar desbloqueado para que possamos ver se tem descontos indevidos, quem quiser fazer empréstimos vá direto na agência do seu banco!! Tbm não gostei como foi feito a devolução, em meu caso, foi descontado por 4anos um valor de 57,00 reais, e devolveram 500,00 reais??
Nem pelo aplicativo do banco consigo fazer o desbloqueio do benefício . Será que é
porque sou estrangeira e não tenho cadastro no TSE ? Me informaram que o sistema do INSS está vinculado ao título de eleitor. Tá difícil resolver !!!!
Só o titular do benefício pode pedir emprestimo presencial nas agências do INSS e procurador e representante legal nas agências ao vivo e a cores,sempre o titular.