When Does The New Central Bank Rule Take Effect?

Written by Fabio Lucas Carvalho

Published on 31/08/2025 at 16:05

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The Central Bank Announced Important Changes to Pix Rules Effective October. The Measure Promises to Make Scams Harder and Facilitate the Return of Funds for Victims of Fraud.

The Central Bank announced changes to the Special Return Mechanism (MED) of Pix. The resolution, published on Thursday (28), aims to provide faster and more efficient returns of resources to victims of fraud, scams, or coercive situations.

The new rules take effect on October 1st.

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The main change is the complete digitalization of the MED.

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Starting in October, customers will be able to contest transactions directly through the Pix environment of banking apps, without needing to contact customer service centers.

According to the BC, this measure will bring more agility and increase the chances that there are still funds available in the fraudster’s account, making the return more viable.

Tracking Accounts

Another important novelty has been established in the resolution. Until now, returns could only occur from the account used in the fraud.

Starting November 23rd, optionally, it will also be possible to recover funds from other accounts involved in the transactions.

This improvement is considered essential because fraudsters often quickly empty the initial account and transfer the funds to others.

Therefore, tracking the paths of the money increases the chances of recovery. The measure will become mandatory starting February next year.

Deadlines and Data Sharing

With the update, returns can occur within up to 11 days after the contestation. The system will identify the path of the funds and share information among the participating fin a nceiras.

The Central Bank emphasized that this data exchange should help block accounts used for fraud, preventing them from being reused in new illegal practices. Additionally, sharing is expected to deter criminals.

Use of the MED

The Special Return Mechanism has been in place since 2021. It can be activated in cases of proven fraud or operational errors by financial institutions.

However, the MED does not cover commercial disputes, situations involving third parties in good faith, or transfers made to incorrect accounts due to the payer’s error, such as incorrect entry of a Pix key.

With the announced changes, the Central Bank hopes to increase the efficiency of the system, protect users, and reduce opportunities for criminals to exploit the country’s most used instant payment tool.

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When Does The New Central Bank Rule Take Effect?

The Central Bank Announced Important Changes to Pix Rules Effective October. The Measure Promises to Make Scams Harder and Facilitate the Return of Funds for Victims of Fraud.

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Tracking Accounts

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When Does The New Central Bank Rule Take Effect?

The Central Bank Announced Important Changes to Pix Rules Effective October. The Measure Promises to Make Scams Harder and Facilitate the Return of Funds for Victims of Fraud.

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Use of the MED

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At over 8,800 meters above sea level, the summit of Mount Everest is made up of rocks that originated at the bottom of an ocean about 500 million years ago and were pushed to the highest point on Earth by the collision of tectonic plates.

Petrobras reaffirms its commitment to the market and ensures that it will carry out the energy transition safely to maintain national sovereignty.

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