Banks will begin sending the data of Novo Desenrola Brasil beneficiaries to block these people’s access to online betting platforms (bets) for a year. The measure was confirmed by the Ministry of Finance and will be part of the rules of the debt renegotiation program.
To join Desenrola 2.0, the consumer will need to authorize the blocking of their CPF on betting platforms. According to Febraban (Brazilian Federation of Banks), this authorization must be included in the contract signed with the financial institution.
Furthermore, the document will need to inform that the participant undertakes not to use betting platforms during the 12-month period. This way, banks will be able to share beneficiary data after the contract is formalized.
The technical and operational details of the information flow are still subject to regulation. However, the government has already defined part of how the blocking system works.
How CPFs will be blocked in bets
Banco do Brasil will be responsible for centralizing the data sent by financial institutions. According to the Ministry of Finance, the institution manages the FGO (Operations Guarantee Fund), a private fund used to cover defaults on contracts linked to the program.
Subsequently, the information will be forwarded to the Prizes and Betting Secretariat. The body is responsible for Sigap (Betting Management System), a platform that will bring together the list of people prevented from betting.
Betting operators will need to consult the system periodically. If the user’s CPF is listed as blocked, the company must block the creation of new accounts or suspend existing registrations.
Additionally, platforms will need to communicate to users the reason for the suspension. If there is a balance available in the account, the company will have up to two days to return the amounts to an account authorized by the Central Bank.
According to Bernardo Cavalcanti Freire, legal consultant at ANJL (National Association of Games and Lotteries), companies are still adapting their internal systems to comply with the new requirements.
According to Freire, operators have until May 15 to implement consultation, notification and suspension mechanisms related to new registrations and first accesses. They will then have until May 20th to scan the CPFs already registered in their databases.
What Desenrola 2.0 predicts
Desenrola 2.0 will allow debt renegotiation for 90 days for people with a monthly income of up to five minimum wages, equivalent to R$8,105.
The program will include families, students with Fies debts, micro and small businesses, as well as rural producers.
According to Febraban estimates, the program could benefit around 27.7 million people. Furthermore, the expectation is to generate up to R$97.3 billion in renegotiations.
The regulations also determine that 1% of the renegotiated value be allocated to financial education actions.
Another measure provides that participating banks will have up to 30 days to remove consumers with debts of up to R$100 from the default lists. However, the action does not eliminate the debt, it only temporarily clears the name.
The government also intends to create a fund to cover possible defaults in the program. To this end, the government will use between R$5 billion and R$8 billion from amounts forgotten in financial institutions, in addition to an additional contribution of up to R$5 billion.