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Overview
- The FGTS Curator Council’s resolution takes effect Saturday and was confirmed by Caixa, applying to all new anticipation loans.
- Borrowers will face a cap of five annual withdrawals in the first 12 months, falling to three from November 2026, with R$100–R$500 per parcel, a R$2,500 first‑year maximum, one operation per year, and a 90‑day wait after opting in.
- Existing anticipation contracts remain unchanged, with only new agreements subject to the tighter rules.
- The Labor Ministry estimates the measures will keep about R$84.6 billion in the fund through 2030 for uses such as housing and infrastructure.
- Banks ramped up last‑minute outreach and criticized the value ceiling, industry groups signaled legal action, and lawmakers advanced efforts like PDL 844/2025 to suspend the restrictions as the administration held its line.