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Changes in consigned credit bring new requirements, increase security, and impact millions of beneficiaries across Brazil
Starting from May 20, 2026, retirees and pensioners from INSS will need to adapt to a new set of rules to contract consigned loans. This information was disclosed by “ND Mais”, based on recent changes sanctioned by the federal government, which aim to reinforce the security of operations and combat fraud that has affected millions of Brazilians in recent years.
Right from the start, it is important to highlight that these changes are not merely bureaucratic, but represent a profound transformation in the way consigned credit is released. This is because, in addition to new mandatory steps, the process will now require digital confirmation within a specific timeframe, which can directly impact those who are not prepared.
In this context, experts warn that those who do not comply by the established deadline may face difficulties in contracting loans or even have requests automatically canceled.
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New INSS consigned loan rules require more security and control from the beneficiary
First of all, one of the main changes is the mandatory digital validation requirement after the loan request. In other words, after requesting the credit, the retiree or pensioner must confirm the operation through facial or digital recognition directly in the Meu INSS app.
Additionally, there is a deadline of up to five days to carry out this confirmation. Otherwise, the contract will be automatically canceled, with no possibility of releasing the requested amount.
Another important point is that beneficiaries who do not have biometrics registered in official databases — such as CNH or Electoral Justice — will need to use the biometrics linked to the new National Identity Card (CIN). Thus, the CIN will play a central role in accessing social security services, especially in consigned credit.
At the same time, the new model eliminates old practices that facilitated fraud. For example, it will no longer be allowed to contract loans by phone or through third parties, such as proxies. As a result, the process becomes safer, but also more rigorous.
Billion-dollar frauds led to changes affecting over 9 million Brazilians
On the other hand, these measures did not arise by chance. Between 2019 and 2024, more than 9 million Brazilians were affected by irregularities, including illegal deductions directly from the benefits of retirees and pensioners.
In light of this concerning scenario, the government sanctioned a package of measures to increase control over operations. As a result, consigned credit will now have stricter rules, which include:
- Express authorization: the beneficiary must confirm each operation in advance, with reinforced authentication “`
- Automatic blocking: after hiring, the benefit will be blocked for new loans, requiring manual release
- Prohibition of third parties: it will no longer be possible to hire payroll loans by proxy or phone
- More transparency: the insured will be informed about all operations and can contest undue charges
Furthermore, these changes place the beneficiary themselves at the center of financial control, significantly reducing the risks of scams.
How to adapt to the new INSS rules and avoid problems with payroll loans
In light of all these changes, the INSS advises retirees and pensioners to take action to avoid issues. After all, with the new digital system, it is no longer enough to go to a bank branch to hire credit.
To adapt, the process is relatively simple, but requires attention. Here’s the step-by-step:
- Download the Meu INSS app on your phone
- Log in with your gov.br account
- Access the profile menu
- Select the “Biometrics” option
- Activate facial or fingerprint recognition
From there, the beneficiary will be able to confirm operations within the required timeframe and avoid automatic cancellations.
Therefore, although the new rules bring more steps, they also represent an important advancement in the protection of the insured. Still, adaptation will be essential, especially for those who rely on payroll loans as a source of income.
And you, do you believe that these new rules will really protect retirees or could they end up making access to payroll credit even more difficult?
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