Approved in a symbolic vote, the bill bans any deductions for unions, associations or retiree entities from INSS payments, even with express authorization, and mandates an active search to identify victims. Institutions that made improper deductions must refund updated amounts within 30 days, and if they fail the INSS will pay the beneficiary and pursue recovery, a provision that lawmakers said may face a veto request over funding responsibility. The text tightens payroll-loan procedures with biometric authentication or qualified e-signature and requires in-person authentication availability at INSS units. Senators removed a clause that would transfer the cap on consignado interest rates to the CMN, keeping the CNPS responsible pending presidential sanction. The ministry reports over 6 million complaints of unrecognized deductions, 4.83 million eligible for refunds, and about 3.74 million already reimbursed—roughly R$2.5 billion—while planning a later targeted outreach using Previdência vessels for remote and elderly beneficiaries to reduce impersonation risks.
