The approved text forbids any charges to unions, associations or similar entities from being deducted from INSS benefits, even if beneficiaries purportedly authorized them. Entities responsible for improper charges must reimburse beneficiaries within 30 days, and if they fail to do so the INSS may repay and seek recovery of the funds, a point some leaders signaled could face a veto. The bill tightens payroll‑consigned loan rules by requiring biometric verification or a qualified electronic signature to authorize contracts and prevent unauthorized consignments. The government extended the deadline to contest improper deductions to February 14, 2026, with INSS reporting over 6 million contests, about 4.8 million eligible cases, and roughly 3.7 million reimbursements totaling R$2.5 billion. Officials plan a post‑deadline active search to reach vulnerable and hard‑to‑access beneficiaries, including quilombola and riverside communities and people over 80, using Previdência vessels to reduce fraud risks.
