{"id":5153,"date":"2025-07-10T10:10:12","date_gmt":"2025-07-10T13:10:12","guid":{"rendered":"https:\/\/baptistaluz.com.br\/privacyhub\/?page_id=5153"},"modified":"2025-08-14T17:33:16","modified_gmt":"2025-08-14T20:33:16","slug":"legislacoes-financeiros-bancos-instituicoes-financeiras","status":"publish","type":"page","link":"https:\/\/baptistaluz.com.br\/privacyhub\/legislacoes\/financeiro\/legislacoes-financeiros-bancos-instituicoes-financeiras\/","title":{"rendered":"Bancos e Institui\u00e7\u00f5es Financeiras"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"5153\" class=\"elementor elementor-5153\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb3fe7a e-flex e-con-boxed e-con e-parent\" data-id=\"fb3fe7a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-813d94a e-con-full e-flex e-con e-child\" data-id=\"813d94a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5785df0 elementor-widget elementor-widget-heading\" data-id=\"5785df0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/baptistaluz.com.br\/privacyhub\/legislacoes\/\">Mapeamento de legisla\u00e7\u00f5es \/<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65624dc elementor-widget elementor-widget-heading\" data-id=\"65624dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/baptistaluz.com.br\/privacyhub\/legislacoes\/financeiro\/\">Financeiro<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-91102f8 elementor-widget elementor-widget-heading\" data-id=\"91102f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\/ Bancos e Institui\u00e7\u00f5es Financeiras<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d5b473 elementor-widget elementor-widget-heading\" data-id=\"0d5b473\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bancos e Institui\u00e7\u00f5es Financeiras<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d7ca05 elementor-widget elementor-widget-text-editor\" data-id=\"4d7ca05\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Entidades que oferecem contas de dep\u00f3sito, cr\u00e9dito, c\u00e2mbio e meios de pagamento. Operam sob forte supervis\u00e3o do Banco Central e seguem padr\u00f5es internacionais de gest\u00e3o de risco.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b9d1869 elementor-widget elementor-widget-text-editor\" data-id=\"b9d1869\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Banco Central do Brasil<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34345fa elementor-widget elementor-widget-text-editor\" data-id=\"34345fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Resolu\u00e7\u00e3o BCB n\u00b0 85, de 8 de abril de 2021<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-145b4f7 elementor-widget elementor-widget-n-accordion\" data-id=\"145b4f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2130\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2130\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Regras para o armazenamento de dados<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2130\" class=\"elementor-element elementor-element-4222c31 e-con-full e-flex e-con e-child\" data-id=\"4222c31\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2130\" class=\"elementor-element elementor-element-01a49ed e-flex e-con-boxed e-con e-child\" data-id=\"01a49ed\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d93fe15 elementor-widget elementor-widget-text-editor\" data-id=\"d93fe15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Disp\u00f5e sobre a pol\u00edtica de seguran\u00e7a cibern\u00e9tica e sobre os requisitos para a contrata\u00e7\u00e3o de servi\u00e7os de processamento e armazenamento de dados e de computa\u00e7\u00e3o em nuvem a serem observados pelas institui\u00e7\u00f5es de pagamento, pelas sociedades corretoras de t\u00edtulos e valores mobili\u00e1rios, pelas sociedades distribuidoras de t\u00edtulos e valores mobili\u00e1rios e pelas sociedades corretoras de c\u00e2mbio autorizadas a funcionar pelo Banco Central do Brasil.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a909be4 elementor-widget elementor-widget-button\" data-id=\"a909be4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/exibenormativo?tipo=Resolu%C3%A7%C3%A3o%20BCB&#038;numero=85\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acesse a Resolu\u00e7\u00e3o completa<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8990c9 elementor-widget elementor-widget-text-editor\" data-id=\"e8990c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Conselho Monet\u00e1rio Nacional | Banco Central do Brasil<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fecdd2 elementor-widget elementor-widget-text-editor\" data-id=\"1fecdd2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Resolu\u00e7\u00e3o Conjunta n\u00ba 1, de 04 de maio de 2020<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-94fb1cf elementor-widget elementor-widget-n-accordion\" data-id=\"94fb1cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1560\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1560\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Regras para a transfer\u00eancia de dados entre as institui\u00e7\u00f5es regulamentadas<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1560\" class=\"elementor-element elementor-element-8e2fa50 e-flex e-con-boxed e-con e-child\" data-id=\"8e2fa50\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3a65cdc elementor-widget elementor-widget-text-editor\" data-id=\"3a65cdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Disp\u00f5e sobre a implementa\u00e7\u00e3o do Open Finance por parte de institui\u00e7\u00f5es financeiras, institui\u00e7\u00f5es de pagamento e demais institui\u00e7\u00f5es autorizadas a funcionar pelo Banco Central do Brasil.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18808f2 elementor-widget elementor-widget-button\" data-id=\"18808f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/normativos.bcb.gov.br\/Lists\/Normativos\/Attachments\/51028\/Res_Conj_0001_v4_P.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acesse a Resolu\u00e7\u00e3o completa<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ff71a5 elementor-widget elementor-widget-text-editor\" data-id=\"0ff71a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Lei Federal <\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11be981 elementor-widget elementor-widget-text-editor\" data-id=\"11be981\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Lei do Sigilo Banc\u00e1rio (Lei Complementar n\u00ba 105, de 10 de Janeiro de 2001)<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-887c8c7 elementor-widget elementor-widget-n-accordion\" data-id=\"887c8c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1430\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1430\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Regras para a prote\u00e7\u00e3o das informa\u00e7\u00f5es financeiras dos clientes das institui\u00e7\u00f5es banc\u00e1rias<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1430\" class=\"elementor-element elementor-element-f5a3ebe e-flex e-con-boxed e-con e-child\" data-id=\"f5a3ebe\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-187e05c elementor-widget elementor-widget-text-editor\" data-id=\"187e05c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 1\u00ba, \u00a7 3\u00ba, VII<\/strong><\/p><p>Disp\u00f5e sobre o sigilo das opera\u00e7\u00f5es de institui\u00e7\u00f5es financeiras e d\u00e1 outras provid\u00eancias. Dentre os dados financeiros e de pagamentos, est\u00e3o inclusos dados dos clientes, tais como nome, endere\u00e7o, CPF, saldo em conta corrente, movimenta\u00e7\u00f5es financeiras, relacionados aos produtos e opera\u00e7\u00f5es de cr\u00e9dito, por exemplo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c98accb elementor-widget elementor-widget-button\" data-id=\"c98accb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/lcp\/lcp105.htm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acesse a Lei completa<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3cba57 elementor-widget elementor-widget-text-editor\" data-id=\"e3cba57\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Lei do Cadastro Positivo (Lei n\u00ba 12.414, de 9 de junho de 2011)<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6dcdd71 elementor-widget elementor-widget-n-accordion\" data-id=\"6dcdd71\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1150\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1150\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Forma\u00e7\u00e3o e consulta a bancos de dados com informa\u00e7\u00f5es de adimplemento para forma\u00e7\u00e3o de hist\u00f3rico de cr\u00e9dito<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1150\" class=\"elementor-element elementor-element-8a6cc9b e-flex e-con-boxed e-con e-child\" data-id=\"8a6cc9b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-417827a elementor-widget elementor-widget-text-editor\" data-id=\"417827a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 2\u00ba, Art. 4\u00ba, Art. 5\u00ba, Art. 7\u00ba<\/strong><\/p><p>Define regras para a forma\u00e7\u00e3o e consulta a bancos de dados com informa\u00e7\u00f5es de adimplemento de pessoas naturais e jur\u00eddicas. Essa lei permite a cria\u00e7\u00e3o de um cadastro com informa\u00e7\u00f5es de pagamentos em dia dos consumidores, proporcionando uma vis\u00e3o mais completa do perfil de cr\u00e9dito de cada um.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f51ba01 elementor-widget elementor-widget-button\" data-id=\"f51ba01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/_ato2011-2014\/2011\/lei\/l12414.htm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acesse a Lei completa<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d0fae8 elementor-widget elementor-widget-text-editor\" data-id=\"1d0fae8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Lei Complementar n\u00ba 166, de 8 de abril de 2019<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88e8604 elementor-widget elementor-widget-n-accordion\" data-id=\"88e8604\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1430\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1430\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Inclus\u00e3o autom\u00e1tica de indiv\u00edduos na base de dados do cadastro positivo<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1430\" class=\"elementor-element elementor-element-86ee66f e-flex e-con-boxed e-con e-child\" data-id=\"86ee66f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11ad77a elementor-widget elementor-widget-text-editor\" data-id=\"11ad77a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 4\u00ba<\/strong><\/p><p>Altera a Lei Complementar n\u00ba 105, de 10 de janeiro de 2001, e a Lei n\u00ba 12.414, de 9 de junho de 2011, para dispor sobre os cadastros positivos de cr\u00e9dito e regular a responsabilidade civil dos operadores.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9811c3f elementor-widget elementor-widget-button\" data-id=\"9811c3f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/lcp\/lcp166.htm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acesse a Lei completa<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c2bd9b elementor-widget elementor-widget-text-editor\" data-id=\"2c2bd9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Lei n\u00ba 4.595, de 31 de dezembro de 1964<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a5df0e elementor-widget elementor-widget-n-accordion\" data-id=\"9a5df0e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1610\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1610\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Exame de livros e documentos das pessoas naturais ou jur\u00eddicas que detenham o controle acion\u00e1rio de institui\u00e7\u00e3o financeira pelo Banco Central<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1610\" class=\"elementor-element elementor-element-6cd4cf8 e-flex e-con-boxed e-con e-child\" data-id=\"6cd4cf8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d317044 elementor-widget elementor-widget-text-editor\" data-id=\"d317044\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 11, \u00a7 1\u00ba<\/strong><\/p><p>De acordo com o Art. 10, ser deposit\u00e1rio das reservas oficiais de ouro e moeda estrangeira e de Direitos Especiais de Saque e fazer com estas \u00faltimas todas e quaisquer opera\u00e7\u00f5es previstas no Conv\u00eanio Constitutivo do Fundo Monet\u00e1rio Internacional \u00e9 uma fun\u00e7\u00e3o exclusiva do Banco Central do Brasil. <br \/>Assim, no exerc\u00edcio dessa fun\u00e7\u00e3o, o Banco Central do Brasil poder\u00e1 examinar qualquer tipo de livros e documentos das pessoas naturais ou jur\u00eddicas que detenham o controle acion\u00e1rio de institui\u00e7\u00e3o financeira<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1611\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1611\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Fornecimento de dados ao Banco Central para exerc\u00edcio da atividade de institui\u00e7\u00e3o financeira<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1611\" class=\"elementor-element elementor-element-8342787 e-flex e-con-boxed e-con e-child\" data-id=\"8342787\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce17393 elementor-widget elementor-widget-text-editor\" data-id=\"ce17393\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 37<\/strong><\/p><p>As institui\u00e7\u00f5es financeiras, assim como as entidades e pessoas consideradas institui\u00e7\u00f5es financeiras e os corretores de fundos p\u00fablicos, ficam obrigados a fornecer ao Banco Central da Rep\u00fablica do Brasil, na forma por ele determinada, os dados ou informes julgados necess\u00e1rios para o fiel desempenho de suas atribui\u00e7\u00f5es.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff3b274 elementor-widget elementor-widget-button\" data-id=\"ff3b274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/leis\/l4595.htm\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acesse a Lei completa<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eccf73 elementor-widget elementor-widget-text-editor\" data-id=\"7eccf73\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Lei n\u00ba 13.506, de 13 de novembro de 2017<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5891a1 elementor-widget elementor-widget-n-accordion\" data-id=\"d5891a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2230\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2230\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Dados que devem ser atualizados por pessoas f\u00edsicas ou jur\u00eddicas sujeitas ao processo administrativo do Banco Central<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2230\" class=\"elementor-element elementor-element-376ed73 e-flex e-con-boxed e-con e-child\" data-id=\"376ed73\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-831d6b0 elementor-widget elementor-widget-text-editor\" data-id=\"831d6b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 19, \u00a7 4\u00ba<\/strong><\/p><p>As pessoas f\u00edsicas e jur\u00eddicas sujeitas ao processo administrativo sancionador nas esferas de atua\u00e7\u00e3o do Banco Central do Brasil e da Comiss\u00e3o de Valores Mobili\u00e1rio dever\u00e3o manter atualizados no Banco Central do Brasil seu endere\u00e7o, seu telefone e seu endere\u00e7o eletr\u00f4nico, e tamb\u00e9m os de seu procurador, quando houver, e acompanhar o andamento do processo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2231\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2231\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Informa\u00e7\u00f5es necess\u00e1rias para cita\u00e7\u00e3o<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2231\" class=\"elementor-element elementor-element-c61cdce e-flex e-con-boxed e-con e-child\" data-id=\"c61cdce\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-51fee62 elementor-widget elementor-widget-text-editor\" data-id=\"51fee62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 20, \u00a7 1\u00ba, I<\/strong><\/p><p>Ao apresentar defesa, o acusado poder\u00e1 juntar os documentos destinados a provar suas alega\u00e7\u00f5es e indicar as demais provas que pretenda produzir, sob pena de preclus\u00e3o.<br \/>A cita\u00e7\u00e3o dever\u00e1 conter, dentre outras informa\u00e7\u00f5es, a identifica\u00e7\u00e3o do acusado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf1e709 elementor-widget elementor-widget-button\" data-id=\"cf1e709\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.planalto.gov.br\/ccivil_03\/_Ato2015-2018\/2017\/Lei\/L13506.htm#art71\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acesse a Lei completa<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b816fc elementor-widget elementor-widget-text-editor\" data-id=\"3b816fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3>Banco Central do Brasil<\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fe3bae elementor-widget elementor-widget-text-editor\" data-id=\"5fe3bae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Circular BACEN n\u00ba 3.691\/2013<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3529ab9 elementor-widget elementor-widget-n-accordion\" data-id=\"3529ab9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5570\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5570\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Identifica\u00e7\u00e3o do cliente de opera\u00e7\u00f5es de compra e venda de moeda estrangeira<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5570\" class=\"elementor-element elementor-element-0dbe6a9 e-flex e-con-boxed e-con e-child\" data-id=\"0dbe6a9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-47c9904 elementor-widget elementor-widget-text-editor\" data-id=\"47c9904\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 19, par\u00e1grafo \u00fanico<\/strong><\/p><p>Nas opera\u00e7\u00f5es de compra e de venda de moeda estrangeira realizadas por meio de m\u00e1quinas dispensadoras de c\u00e9dulas, o cliente deve ser identificado por meio de cart\u00e3o de uso internacional, com valida\u00e7\u00e3o eletr\u00f4nica da titularidade, ou por meio de passaporte, com leitura de dados e valida\u00e7\u00e3o eletr\u00f4nica de autenticidade.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5571\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5571\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Contratos de opera\u00e7\u00e3o de c\u00e2mbio<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5571\" class=\"elementor-element elementor-element-6807a24 e-flex e-con-boxed e-con e-child\" data-id=\"6807a24\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-411a04d elementor-widget elementor-widget-text-editor\" data-id=\"411a04d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 41<\/strong><\/p><p>As opera\u00e7\u00f5es de c\u00e2mbio s\u00e3o formalizadas por meio de contrato de c\u00e2mbio e seus dados devem ser registrados no Sistema C\u00e2mbio devendo a data de registro do contrato de c\u00e2mbio no Sistema C\u00e2mbio corresponder ao dia da celebra\u00e7\u00e3o de referido contrato.<br \/>Ao formalizar esse contrato, \u00e9 poss\u00edvel que sejam utilizados qualquer tipo de dado de contrato<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5572\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5572\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Informa\u00e7\u00f5es que a mensagem eletr\u00f4nica decorrente de pagamentos e recebimentos do exterior devem conter<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5572\" class=\"elementor-element elementor-element-d24b2ff e-flex e-con-boxed e-con e-child\" data-id=\"d24b2ff\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bbfd965 elementor-widget elementor-widget-text-editor\" data-id=\"bbfd965\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 11, \u00a7 1\u00ba<\/strong><\/p><p>De acordo com o caput do art. 11, os pagamentos ao e os recebimentos do exterior devem ser efetuados por<br \/>meio de transfer\u00eancia banc\u00e1ria.<br \/>No que diz respeito a respectiva mensagem eletr\u00f4nica, esta dever\u00e1 conter, obrigatoriamente, o nome, n\u00famero do documento de identifica\u00e7\u00e3o, endere\u00e7o e n\u00famero da conta banc\u00e1ria ou do n\u00famero de inscri\u00e7\u00e3o no Cadastro de Pessoas F\u00edsicas (CPF) ou no Cadastro Nacional da Pessoa Jur\u00eddica (CNPJ) do remetente da ordem, quando a forma de entrega da moeda pelo remetente n\u00e3o for d\u00e9bito em conta.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5573\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5573\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Informa\u00e7\u00f5es que devem ser identificadas no Sistema C\u00e2mbio<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5573\" class=\"elementor-element elementor-element-67a4c21 e-flex e-con-boxed e-con e-child\" data-id=\"67a4c21\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-14bbc79 elementor-widget elementor-widget-text-editor\" data-id=\"14bbc79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 62<\/strong><\/p><p>Devem ser identificados no Sistema C\u00e2mbio o nome do remetente ou do benefici\u00e1rio dos recursos no<br \/>exterior, seu pa\u00eds e sua rela\u00e7\u00e3o de v\u00ednculo com o cliente da opera\u00e7\u00e3o de c\u00e2mbio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-5574\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-5574\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> <p style=\"font-size: 16px\">Recebimento de pagamentos por vendas ao exterior atrav\u00e9s de empresas facilitadoras de pagamentos no Brasil<\/p> <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"huge huge-arrow-up-01-round\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"huge huge-arrow-down-01-round\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-5574\" class=\"elementor-element elementor-element-f56b007 e-flex e-con-boxed e-con e-child\" data-id=\"f56b007\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea96bbe elementor-widget elementor-widget-text-editor\" data-id=\"ea96bbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Art. 130<\/strong><\/p><p>Explica que \u00e9 permitido receber pagamentos pela venda de bens e servi\u00e7os ao exterior por meio de uma empresa facilitadora de pagamentos internacionais sediada no Brasil, desde que esta empresa informe ao Banco Central, at\u00e9 o dia 10 de cada m\u00eas, os valores das aquisi\u00e7\u00f5es feitas no m\u00eas anterior, detalhando o CNPJ ou CPF do benefici\u00e1rio e, em rela\u00e7\u00e3o ao pagador no exterior, seu nome, pa\u00eds e n\u00famero de inscri\u00e7\u00e3o na empresa.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-666bb6f elementor-widget elementor-widget-button\" data-id=\"666bb6f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.bcb.gov.br\/pre\/normativos\/circ\/2013\/pdf\/circ_3691_v1_O.pdf\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Acesse a Circular completa<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Mapeamento de legisla\u00e7\u00f5es \/ Financeiro \/ Bancos e Institui\u00e7\u00f5es Financeiras Bancos e Institui\u00e7\u00f5es Financeiras Entidades que oferecem contas de dep\u00f3sito, cr\u00e9dito, c\u00e2mbio e meios de pagamento. Operam sob forte supervis\u00e3o do Banco Central e seguem padr\u00f5es internacionais de gest\u00e3o de risco. Banco Central do Brasil Resolu\u00e7\u00e3o BCB n\u00b0 85, de 8 de abril de 2021 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":0,"parent":2988,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-5153","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bancos e Institui\u00e7\u00f5es Financeiras - PrivacyHub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/baptistaluz.com.br\/privacyhub\/legislacoes\/financeiro\/legislacoes-financeiros-bancos-instituicoes-financeiras\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bancos e Institui\u00e7\u00f5es Financeiras - PrivacyHub\" \/>\n<meta property=\"og:description\" content=\"Mapeamento de legisla\u00e7\u00f5es \/ Financeiro \/ Bancos e Institui\u00e7\u00f5es Financeiras Bancos e Institui\u00e7\u00f5es Financeiras Entidades que oferecem contas de dep\u00f3sito, cr\u00e9dito, c\u00e2mbio e meios de pagamento. Operam sob forte supervis\u00e3o do Banco Central e seguem padr\u00f5es internacionais de gest\u00e3o de risco. 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