Overview

• The FGTS Council approved the restrictions on Oct. 7, with enforcement to begin once Caixa updates systems by Nov. 1.
• Each advance is capped at R$100–R$500 per parcel, with up to five parcels in a one‑year transition (maximum R$2,500) and three parcels thereafter.
• Only one anticipation contract will be allowed per year, and banks must wait 90 days after a worker opts into the birthday withdrawal to offer the credit.
• The government estimates R$84.6–R$86 billion will remain in workers’ FGTS accounts through 2030, supporting financing for housing, sanitation and infrastructure.
• The measure targets the bank‑credit anticipation mechanism; the birthday‑withdrawal option remains, with 21.5 million enrolled and about R$102.9 billion already advanced.