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Chamber Approves Bill That Changes Discount Rules for INSS Benefits, Includes Mandatory Biometric Identification and Automatic Blocking, and Creates New Requirements to Reduce Frauds and Protect Retirees and Pensioners in Payroll Loan Operations.
The Chamber of Deputies approved this month in September a substitute for the PL 1546/2024 that prohibits associative discounts directly from INSS benefits and creates a package of requirements to reduce fraud in loans and unauthorized contracts.
The text, reported by Danilo Forte, passed with 259 votes in favor and 126 against in a highlighted vote and now goes to the Senate, maintaining the possibility of bank discounts in case of benefit anticipation.
End of Associative Discounts on Payroll
The starting point of the proposal is the veto on union, association, and class entity fees deducted directly from the payment of INSS.
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“No one will make us change the Pix,” says Lula after the US report.
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Lula responds directly to Trump and says that Pix is from Brazil and will not change under pressure from anyone, after a report from the United States pointed out the Brazilian payment system as an American trade barrier.
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Amazon has just announced a new fee on all deliveries, and your online purchases will become more expensive starting April 17, including for those buying from the United States here in Brazil.
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He sold his share for R$ 4 thousand, saw the company become a giant worth R$ 19 trillion, and missed the opportunity of a lifetime.
This practice, subject to investigations for unauthorized charges, stops using the benefit as a means of automatic collection.
Those who wish to maintain their contributions may do so through other channels, outside the social security payroll.
Robust Authentication for Payroll Loans
For payroll loan operations and similar services, the text requires identity verification through biometric identification (facial recognition or fingerprint) and/or qualified electronic signature, with the possibility of multi-factor authentication.
Remote contracts must incorporate strong verification, and in-person service must operate with equipment capable of capturing and validating biometric data.
The goal is to raise the evidential standard and reduce fraud made with minimal registrations or authorizations by third parties.
Automatic Blocking After Each Contract
Once an operation is completed, the benefit will be automatically blocked for new contracts.
Any new loan will depend on active unblocking done by the account holder through a secure channel.
The measure seeks to prevent quick sequences of operations, typical of scams that exploit “credit conveyor belts,” introducing a protection interval between one contract and another.
No Power of Attorney and No Call Center
The text prohibits contracting or unblocking through power of attorney or telephone centers.
The measure responds to fraud facilitated by intermediaries armed with documents or precarious authorizations.
With this change, decision-making acts must occur with the direct participation of the beneficiary and through channels with strong authentication, removing from the routine practices of “assisted unblocking” without biometric verification.
Biometric Terminals at INSS Units
There will be an obligation to provide terminals with biometric capture at physical INSS offices, without the need for appointments.
The goal is to standardize identity verification in physical service, facilitate audits, and create a track record of who authorized, when, and through which channel each credit operation.
Active Search and Compensation to the Insured
In the case of undue discounts, the proposal stipulates active search for victims and refund to the beneficiary within 30 days after notification of irregularity or administrative decision.
If the involved institution does not return the amount within the deadline, the INSS itself will be authorized to restore the insured’s income and then seek reimbursement from whoever caused the debt.
If non-compliance persists, the text provides for additional guarantees, including access to mechanisms from the financial system.
Payroll Loan Interest Rates and Regulatory Transition
The Chamber retained in the substitute the transfer of competence to define the ceiling for payroll loan interest rates from the National Social Security Council to the Monetary Council, under criteria for protecting beneficiaries and ensuring the viability of operations.
Meanwhile, the new operational locks — biometric identification, automatic blocking, and prohibitions on power of attorney and call centers — form the backbone of the anti-fraud package.
Context: Frauds, Investigations, and Policy Review
The changes come after reports of associative discounts without authorization and a review of the INSS’s own procedures.
Between 2019 and 2024, federal investigations identified mass charges that led the government to reassess how to debit amounts from benefits.
In 2025, the topic gained momentum with measures for reimbursement and control actions, while the proposal to remove social security payroll from being a channel for private charges advanced in Congress.
Anticipation of the Benefit and the Controversial Point
The plenary vote preserved the possibility of bank discount in anticipation operations, which was the subject of debate among lawmakers.
Critics argued that without explicit parameters in the law, there is a risk of high costs.
Supporters maintained that regulation is the responsibility of credit authorities and financial supervisors.
The provision passed in highlight by 259 to 126, maintaining the alternative for advance with rules to be detailed by the competent authorities.
User Experience: More Steps, More Security
For the INSS public, the most visible change will be in routine.
Contracting credit will require biometric verification, prior notifications, and confirmation from the account holder.
At the end of each operation, there will be an automatic blocking of the margin, which will only reopen with a new unblocking procedure.
The expectation is to reduce unrecognized discounts and provide predictability to the monthly payment flow.
In parallel, the obligation for refund within 30 days and the active search place the beneficiary at the center of protection, prioritizing income restoration while responsibilities are assessed.
Next Steps for Beneficiaries and Family Members
The project goes to the Senate and may receive wording adjustments or complementary regulations.
Until then, it is advisable to monitor the benefit statement and use the official INSS channels to check for blocks, authorizations, and records of new contracts.
In case of doubt or suspicion of irregularity, it is worth immediately contacting the institute’s assistance and the involved bank, armed with proof and protocol numbers.
As a beneficiary or family member, how do you evaluate this new set of requirements: are the current locks enough to hinder fraud and ensure conscious contracts, or are there still safeguards needed to fully protect those who depend on the benefit?
Moro em NY, minha prova de vida é meu Imposto de renda. Como vou fazer exame biométrico fora do País? Consulado Brasileiro me respondeu que não tem nenhuma orientação!!!
Representante legal como fica? Precisamos desse empréstimo com urgência para despesas com os nossos filhos autistas e estamos sendo deixadas de lado. Excelente essa proposta,mas representante legal também precisa de um olhar.
Acho ótimo o adiantamento da aposentadoria pq não se passaria o mês todo sem dinheiro. É só se controlar nos gastos
Como funcionará esse adiantamento de benefício?