Overview
- The Desenrola Adimplentes program began operating on Monday, August 10, 2026, with Banco do Brasil and Caixa starting to offer the new refinancing lines to eligible clients.
- Regulators set a standardized funding mix that requires participating institutions to use 30% of their own capital while 70% of each operation is financed by Union resources to improve predictability for banks.
- Workers in the informal market can refinance personal non-consigned debts of up to R$15,000 at rates up to 1.99% per month if they paid at least four installments and are current or no more than 90 days past due.
- The program includes FGO guarantees that cover 50% of initial portfolio losses and provide full coverage per operation, plus a temporary CPF block on betting accounts and government warnings about fraud using the program’s name.
- Private banks have not uniformly joined but Febraban revised its view after the rule changes and several large banks are still evaluating participation; the government and markets will watch bank adhesion, take-up and the use of up to R$3 billion in Union funding.