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Federal Government Imposes New Rules for FGTS Anniversary Withdrawal, with Stricter Limits, Mandatory Waiting Period, and a Cap on Anticipations That Reduces Access to Immediate Balances for Workers.
The Curator Council of the FGTS approved a series of adjustments that limit the anticipation of the anniversary withdrawal, effective on November 1, 2025.
The new rules impose a cap per installment between R$ 100 and R$ 500, restrict the number of anticipations, and create a 90-day waiting period after enrollment, allowing only one operation per year.
According to the government, the measure aims to reduce indebtedness and preserve the fund’s purpose.
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What Changes in November
In the first year of validity, there will be a transition period.
During this 12-month interval, workers will be able to anticipate up to five anniversary withdrawals, each within the new cap value.
In practice, the total released per contract is limited to R$ 2,500 during this initial period, totaling five installments of R$ 500.
Starting from the second cycle, the permanent rule restricts new anticipations to three anniversary withdrawals per contract, maintaining the same limits per installment.
The government clarifies that banks and Caixa will have until the beginning of November to adapt their systems and procedures to the new policy.
Value per Installment and Total Cap
Previously, the alienation of the balance could reach much higher amounts, as there was no cap per installment.
Now, the minimum for each anticipated withdrawal will be R$ 100 and the maximum will be R$ 500 per reference year.
Thus, during the transition period, the total of anticipations does not exceed R$ 2.5 thousand, which remains as a reference even when the number of anticipations drops to three per contract.
The stated goal is to prevent workers from using a significant portion of their FGTS balance as credit collateral, preserving resources for dismissals without cause and fund investments.
Waiting Period and Limit on Operations
Another relevant change is the creation of a 90-day waiting period between enrollment in the anniversary withdrawal and the first operation of balance alienation.
Currently, this operation can be made immediately after opting for the modality.
In addition, simultaneity is prohibited: starting in November, only one contract per year will be allowed, ending the practice of multiple active contracts during the same period.
How It Was and How It Will Be
So far, the number of anticipatable installments depended on each financial institution.
There were offers with long terms, and in some cases, contracts had projected payments up to 2056, due to the annual anticipation of future installments.
The market average was around eight anticipations per contract, according to the council itself.
At Caixa Econômica Federal, it was possible to anticipate up to 10 anniversary withdrawals in a single operation.
With the new regulation from the Curator Council, this space has been closed by a uniform cap of national reach.
Estimated Impact and Justification
According to the Ministry of Labor and Employment, the redesign of the rules should redirect R$ 84.6 billion that, by 2030, will not be going to financial institutions and will remain directly with the workers.
The council argues that the limitation corrects distortions and reinforces the sustainability of the FGTS, a central financing instrument for housing, sanitation, and infrastructure.
The ministry also released a diagnosis of the use of the modality: 21.5 million workers — 51% of active accounts — have joined the anniversary withdrawal, and about 70% have carried out anticipation operations with banks.
Timeline and Transition
The new framework will take effect on November 1, 2025.
During the first 12 months, the limit will be five anticipations of up to R$ 500 each.
After this transition period, the continuity rule will restrict the maximum number to three anticipations per contract.
Official communications and reports indicate that the consolidation of this cap of three anticipations will occur starting in November 2026, synchronized with the end of the first annual cycle after implementation.
What the Worker Needs to Observe
Those opting for the anniversary withdrawal should consider that the anticipation remains a credit modality guaranteed by the FGTS.
The difference is that now, the value per installment and the total number of anticipations are fixed.
Additionally, the 90-day waiting period prevents immediate contracts after enrollment, and the rule of only one operation per year reduces the overlap of contracts.
In other words, financial planning now requires an assessment of real needs, costs, and the calendar of already planned installments for the coming years.
Why the Change Was Considered Necessary
According to the government, the combination of long terms and lack of a cap favored recurring anticipation and the formation of contracts with commitments spanning many years.
This reduced the availability of the balance in critical moments, such as dismissals without cause.
By standardizing limits and imposing a waiting period, the expectation is to mitigate risks of excessive indebtedness and strengthen the role of the FGTS as a worker’s savings and a source for long-term public policies.
How do you plan to reorganize your use of the anniversary withdrawal and anticipations to avoid compromising your FGTS balance over the coming years?
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