Novas regras reforçam segurança e ampliam uso do Open Finance por clientes pessoas jurídicas

For RegCanary subscribers with Brazilian operations, subsidiaries or correspondent relationships, this is a substantive redesign of the accountability chain rather than a cosmetic update. The resolution sharpens the definition of a partnership contract and introduces a clearer 'integrating institution' concept, assigning explicit responsibility to the participant that obtains consent and orchestrates the data journey. The practical consequence: consent capture, data stewardship, onward-sharing controls and incident accountability must be traceable to a named participant, with audit evidence to match.

Compliance teams should treat this as a contract remediation programme — mapping every Open Finance arrangement, re-papering partner obligations, and aligning consent language and disclosure with the new responsibility split. Product and onboarding teams gain room to design corporate journeys better suited to treasury, accounting and ERP-driven use cases, which is where the commercial upside sits: richer data propositions for SME and corporate clients, differentiated cash-management and credit decisioning. Expect supervisory scrutiny of consent quality and liability allocation, and anticipate that counterparties will push accountability clauses upstream during renegotiation.

Firms should also check whether group-wide Open Finance governance, third-party risk frameworks and data protection impact assessments reflect the new roles. Priority actions: gap-assess current contracts, stand up a cross-functional remediation plan, update consent and disclosure templates, and validate logging and audit trails. Those who move early can convert a compliance obligation into a competitive advantage in the Brazilian corporate data market.