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Overview
- More than R$50 billion has been contracted for over 5.4 million workers as of September 18, according to the Ministry of Labor.
- R$15.7 billion in older payroll-loan contracts had migrated to the Carteira de Trabalho Digital by September 16, with the government expecting about R$40 billion moved by October and migration running through November.
- Dataprev is executing the migration as the legacy convênio model is phased out in November, consolidating offers on the digital platform.
- Banks reported payment-routing and identification errors that drove reported delinquency to as high as 16% in August, leading to higher interest charges and talks on technical fixes and automation.
- The program lists 122 authorized institutions, 64 operating, with an average rate of 3.42% per month, while renegotiated legacy debts averaged 2.65% per month and unsecured personal loans hover near 11%.