Overview
- The INSS published Instrução Normativa 213 to let retirees and pensioners without facial biometric records authorize payroll‑deductible loans through the Meu INSS app using bank‑account data for identity validation.
- For transfers of a contract to a new lender the beneficiary must sign a specific authorization term in the Meu INSS app and the receiving bank has 20 days to confirm the operation or the transfer is canceled.
- Lenders must send the INSS full loan deposit data within seven business days and discounts may only start after the bank submits the required documentation to the institute, creating a paper trail for cross‑checks.
- The Meu INSS Vale+ advance remains suspended and benefits granted after April 1, 2019 stay blocked from consignado for 90 days from benefit dispatch to reduce risk to new claims.
- The rule keeps facial biometrics as an option for those with official photos but shifts more verification work to banks and the Meu INSS platform so the change broadens access while adding timelines and reporting to detect fraud.