{"id":17063,"date":"2025-11-30T08:54:13","date_gmt":"2025-11-30T12:54:13","guid":{"rendered":"https:\/\/divulguems.com.br\/?p=17063"},"modified":"2025-11-30T08:54:13","modified_gmt":"2025-11-30T12:54:13","slug":"bc-fecha-cerco-a-contas-bolsao-e-regulamenta-servicos-bancarios","status":"publish","type":"post","link":"https:\/\/divulguems.com.br\/?p=17063","title":{"rendered":"BC fecha cerco a contas-bols\u00e3o e regulamenta servi\u00e7os banc\u00e1rios"},"content":{"rendered":"<\/p>\n<p><a class=\"\" href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2025-11\/bc-fecha-cerco-contas-bolsao-e-regulamenta-servicos-bancarios\"><br \/>\n                    <img decoding=\"async\" src=\"https:\/\/cdn.jsdelivr.net\/gh\/sergiosdlima\/assets-ebc@1.0.0\/abr\/assets\/images\/logo-agenciabrasil.svg\" alt=\"Logo Ag\u00eancia Brasil\"><br \/>\n\t\t\t\t<\/a><\/p>\n<p>O Banco Central (BC) deu um novo passo nesta sexta-feira (28) para<strong> restringir o uso das chamadas contas-bols\u00e3o<\/strong>, instrumento que re\u00fane recursos de v\u00e1rios usu\u00e1rios em uma \u00fanica conta, sem identifica\u00e7\u00e3o individualizada dos titulares.<img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.png?id=1670178&#038;o=rss\"><img decoding=\"async\" src=\"https:\/\/agenciabrasil.ebc.com.br\/ebc.gif?id=1670178&#038;o=rss\"><\/p>\n<p><strong>Comum em plataformas de com\u00e9rcio eletr\u00f4nico, o instrumento passou a ser usado por organiza\u00e7\u00f5es criminosas para ocultar opera\u00e7\u00f5es financeiras e lavar dinheiro<\/strong>.<\/p>\n<\/p>\n<h3>Not\u00edcias relacionadas:<\/h3>\n<ul>\n<li><a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2025-11\/banco-central-lanca-portabilidade-de-credito-no-open-finance\">Banco Central lan\u00e7a portabilidade de cr\u00e9dito no open finance.<\/a><\/li>\n<\/ul>\n<p>Ao regulamentar a terceiriza\u00e7\u00e3o de servi\u00e7os banc\u00e1rios no modelo Banking as a Service (BaaS), o BC deixou expl\u00edcito que contas abertas, mantidas ou encerradas por meio desse sistema devem ter a titularidade individualizada e podem ser movimentadas apenas pelos pr\u00f3prios clientes finais.<\/p>\n<p><strong>A pr\u00e1tica de conta-bols\u00e3o, segundo o \u00f3rg\u00e3o, nunca foi permitida.<\/strong><\/p>\n<blockquote>\n<p>\u201cDo nosso ponto de vista, conta-bols\u00e3o \u00e9 uma pr\u00e1tica irregular. Agora, estamos deixando claro que cada conta precisa ter seu titular identificado e ser movimentada somente por essa pessoa\u201d, afirmou o diretor de Regula\u00e7\u00e3o do BC, Gilneu Vivan.<\/p>\n<\/blockquote>\n<p>A medida refor\u00e7a determina\u00e7\u00e3o publicada no in\u00edcio do m\u00eas, que <a href=\"https:\/\/agenciabrasil.ebc.com.br\/economia\/noticia\/2025-11\/banco-central-muda-regras-para-acabar-contas-bancarias-fraudulentas\" target=\"_blank\">obrigou institui\u00e7\u00f5es financeiras a encerrar contas irregulares com caracter\u00edsticas de bols\u00e3o<\/a>.<\/p>\n<p>A regulamenta\u00e7\u00e3o do BaaS entra em vigor imediatamente, mas contratos j\u00e1 existentes poder\u00e3o ser adequados at\u00e9 31 de dezembro de 2026. Aprovada na quinta-feira (27) pelo Conselho Monet\u00e1rio Nacional (CMN), a<a href=\"https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/exibenormativo?tipo=Resolu%C3%A7%C3%A3o%20Conjunta&#038;numero=16\" target=\"_blank\"> Resolu\u00e7\u00e3o Conjunta 16\/2025<\/a> s\u00f3 foi explicada nesta sexta-feira (28) pelo Banco Central.<\/p>\n<h2>Crime organizado<\/h2>\n<p>Nos \u00faltimos meses, investiga\u00e7\u00f5es federais revelaram o uso desse tipo de conta por fac\u00e7\u00f5es criminosas. Opera\u00e7\u00f5es como Carbono Oculto e Po\u00e7o de Lobato mostraram esquemas que utilizavam fintechs, fundos de investimento e contas concentradoras para mascarar transa\u00e7\u00f5es e movimentar recursos il\u00edcitos.<\/p>\n<p>De acordo com Vivan, a regulamenta\u00e7\u00e3o de BaaS estava em an\u00e1lise h\u00e1 meses, mas ganhou peso diante do risco crescente.<\/p>\n<blockquote>\n<p>\u201cA norma aumenta a transpar\u00eancia e melhora a seguran\u00e7a do sistema financeiro\u201d, disse.<\/p>\n<\/blockquote>\n<p>Nem sempre, as contas-bols\u00e3o eram usadas para fins ilegais. Plataformas de com\u00e9rcio eletr\u00f4nico usavam contas-bols\u00e3o em seu nome para recolher o dinheiro dos clientes, repassando os recursos posteriormente \u00e0s lojas ou \u00e0s pessoas f\u00edsicas vendedoras das mercadorias.<\/p>\n<h2>Responsabilidades refor\u00e7adas<\/h2>\n<p>O novo marco regulat\u00f3rio tamb\u00e9m esclarece as responsabilidades das institui\u00e7\u00f5es envolvidas no modelo BaaS. Esse sistema permite que empresas n\u00e3o financeiras ofere\u00e7am servi\u00e7os como contas digitais, meios de pagamento e cr\u00e9dito aos seus clientes por meio da infraestrutura de um banco ou de uma institui\u00e7\u00e3o de pagamento.<\/p>\n<p>A partir da norma, a responsabilidade final pelas opera\u00e7\u00f5es permanece sempre com a institui\u00e7\u00e3o autorizada pelo BC, mesmo quando servi\u00e7os forem totalmente terceirizados. \u201cVoc\u00ea pode delegar servi\u00e7os, mas n\u00e3o a responsabilidade\u201d, enfatizou Vivan.<\/p>\n<p>A nova regulamenta\u00e7\u00e3o inclui procedimentos de \u201cconhe\u00e7a seu cliente\u201d, preven\u00e7\u00e3o \u00e0 lavagem de dinheiro e comunica\u00e7\u00f5es obrigat\u00f3rias ao regulador. As regras abrangem ainda governan\u00e7a corporativa, gerenciamento de riscos, controles internos, requisitos de seguran\u00e7a, conduta e transpar\u00eancia das informa\u00e7\u00f5es.<\/p>\n<h2>Prestador \u00fanico<\/h2>\n<p>O BC determinou que uma empresa s\u00f3 pode contratar contas via BaaS com uma \u00fanica institui\u00e7\u00e3o financeira por tipo de conta. Assim, uma companhia poder\u00e1 ter um banco para conta de dep\u00f3sito e uma institui\u00e7\u00e3o de pagamento para conta de pagamento, mas n\u00e3o dois prestadores para a mesma modalidade.<\/p>\n<p>Al\u00e9m das contas, o regulamento abrange servi\u00e7os como Pix, d\u00e9bito em conta, boletos e concess\u00e3o de cr\u00e9dito. Ficam de fora, por ora, servi\u00e7os de eFX (pagamentos e transfer\u00eancias internacionais), subcredenciamento (participante do arranjo de pagamento que habilita estabelecimentos comerciais para a aceita\u00e7\u00e3o de instrumento de pagamento emitido por institui\u00e7\u00e3o de pagamento ou por institui\u00e7\u00e3o financeira) e iniciadores de transa\u00e7\u00e3o de pagamento (ITPs), que ser\u00e3o discutidos futuramente.<\/p>\n<h2>Transpar\u00eancia<\/h2>\n<p>A norma exige que clientes saibam claramente qual institui\u00e7\u00e3o financeira est\u00e1 por tr\u00e1s dos servi\u00e7os oferecidos. Dados sobre as opera\u00e7\u00f5es dever\u00e3o estar dispon\u00edveis ao BC e a \u00f3rg\u00e3os legalmente autorizados.<\/p>\n<p>Segundo o regulador, o objetivo \u00e9 aumentar a seguran\u00e7a para clientes e institui\u00e7\u00f5es e reduzir a inseguran\u00e7a jur\u00eddica, sem comprometer a inova\u00e7\u00e3o do setor.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>O Banco Central (BC) deu um novo passo nesta sexta-feira (28) para restringir o uso das chamadas contas-bols\u00e3o, instrumento que re\u00fane recursos de v\u00e1rios usu\u00e1rios em uma \u00fanica conta, sem identifica\u00e7\u00e3o individualizada dos titulares. Comum em plataformas de com\u00e9rcio eletr\u00f4nico, o instrumento passou a ser usado por organiza\u00e7\u00f5es criminosas para ocultar opera\u00e7\u00f5es financeiras e lavar [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17064,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[3],"tags":[],"class_list":["post-17063","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-seguranca-e-justica"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.6 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>BC fecha cerco a contas-bols\u00e3o e regulamenta servi\u00e7os banc\u00e1rios - Divulgue MS<\/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:\/\/divulguems.com.br\/?p=17063\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BC fecha cerco a contas-bols\u00e3o e regulamenta servi\u00e7os banc\u00e1rios\" \/>\n<meta property=\"og:description\" content=\"O Banco Central (BC) deu um novo passo nesta sexta-feira (28) para restringir o uso das chamadas contas-bols\u00e3o, instrumento que re\u00fane recursos de v\u00e1rios usu\u00e1rios em uma \u00fanica conta, sem identifica\u00e7\u00e3o individualizada dos titulares. 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