BC reforça proteção ao consumidor com novas regras para oferta e contratação de crédito

For compliance teams at banks, fintechs and other lenders operating in Brazil, the direction of travel is clear: active credit marketing and pre-contractual disclosures will face closer scrutiny, and firms will need to demonstrate that customers can make informed borrowing decisions and are protected from unsuitable or abusive offers. The measures reinforce responsible-lending expectations around transparency on costs, existing debts and repayment capacity, while giving customers clearer control over the credit offers they receive. Compliance functions should review active-offer journeys, consent and opt-out mechanics, affordability assessments, script and disclosure wording, and complaints monitoring.

Product, marketing and credit-risk teams should also test whether promotional offers could contribute to over-indebtedness or be perceived as aggressive. Although the excerpt does not set out detailed implementation dates, firms should treat the package as a significant conduct-risk development and begin gap assessments now. Expected actions include updating policies and procedures, training frontline and collections staff, strengthening offer-governance controls, and enhancing management information on rejected, declined or complained-about credit offers.

The commercial opportunity is to use clearer, more responsible credit journeys to build trust and differentiate on customer outcomes, but the compliance risk of retaining opaque or poorly controlled active-offer practices is high.