New credit rules that influence lending today.

The new credit rules that influence loans. They arrived without fanfare, but they are disrupting the lives of those who have installments in their pockets.

I see this every day talking to ordinary people: that loan taken out in a hurry, with an interest rate that seemed "okay" at the time, can now be exchanged for something much more manageable.

And the best part? No need for a manager, paperwork, or endless waiting.

This is not just another regulatory update. It's the Central Bank and Congress finally aligning the game in favor of those who need the money.

After Pix became a national craze and Open Finance started to show its worth, came this combination of law and regulation that makes credit less of a constraint and more of a choice.

Keep reading!

What are the new credit rules that influence lending?

To the New credit rules that influence loans. They bring together two fronts that go hand in hand: credit portability integrated into Open Finance and Law No. 15,252, of November 2025.

Together, they rescue the client from the corner of the room where he was held hostage by the first bank that approved the loan.

Think about how it used to be. You'd take out a loan, sign it, and that was it: you were stuck there for years, even if another place offered a better rate.

Today, the system forces competition.

The old bank can no longer stall. The new institution receives the data in a clean form and returns a real offer within a few days.

What strikes me is how simple this seems, yet it represents a cultural shift.

Brazilians have spent decades accepting that "that's just how banks are."

Now, with secure data sharing, the power has shifted. Slowly, but it has shifted.

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How does credit portability work under the new credit rules that influence loans?

You open the app of the bank or fintech company offering the better terms, authorize sharing via Open Finance, and that's it.

The other institution automatically pulls the outstanding balance, the current rate, and the remaining term.

She will return the simulation within three business days.

No more emails, bank statements, or begging your bank manager to release your balance. Everything is digital, tracked, and has the Central Bank's security seal.

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The deadline was shortened because Open Finance already does the heavy lifting of exchanging standardized information.

Have you ever stopped to imagine what it would be like to be able to switch loans as easily as switching cell phone plans?

No fines, no headaches, just comparing offers. That's exactly what will really start to apply to unsecured personal loans in 2026.

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What has changed with Law 15.252/2025 regarding the new credit rules that influence loans?

Law 15.252 introduced four rights that seem basic, but were never guaranteed before: automatic salary portability, direct debit between different banks, greater transparency in information, and a special type of credit with lower interest rates.

In day-to-day loan transactions, the highlight is the interbank automatic debit.

You can have the installment deducted from any account that has funds available, even if it's at a different institution.

The annoying requirement of keeping a balance only in the loan bank is over.

Another change that often goes unnoticed, but is powerful: the bank is now required to notify you in advance of any changes to rates or limits.

And they can no longer increase your credit "for free" without you asking. There's something unsettling about how older banks treated this as a favor.

Now it's become an obligation.

Why were these new credit rules that influence lending created right now?

The timing makes perfect sense when you look at the big picture.

Open Finance was already mature, Pix had shown that Brazilians adopt financial technology with impressive speed, and debt figures kept rising.

Data from the Central Bank shows that the indebtedness of Brazilian families reached 49.7% of annual income by the end of 2025.

Almost half of what people earn in a year is already committed to debt. This is not sustainable.

The regulator realized that keeping credit as a closed club only made the problem worse.

Fintech companies also exerted significant pressure.

They entered the market quickly and now have the tools to compete on a level playing field.

The result is not regulatory populism. It is a necessary adjustment in a country where credit has always been expensive and lacked transparency.

What are the real impacts of the new credit rules?

The difference is apparent in the installment amount. Those with a loan at 3.8% per month can switch to 2.4% and feel the immediate relief.

At the end of the year, hundreds or even thousands of reais are returned to the budget.

But the impact goes beyond money. With more options and clear warnings, people are starting to think twice before signing up for anything.

Credit doesn't magically become cheaper, but it does become fairer. And fairness in credit, in Brazil, is almost a novelty.

Traditional banks are feeling the impact.

Those who are slow to adapt will lose customers to those who offer a better experience and a more honest rate.

More agile institutions see this as a chance to grow quickly.

Practical examples of how the new credit rules influence lending.

João, an IT technician here in Sorocaba, was carrying a loan of R$ 8,000 taken out in 2025 at 3.8% per month.

In February of this year, he saw an offer via Open Finance, authorized the sharing, and within three days, everything was resolved.

New rate: 2.4%. Savings of R$ 112 per month. He used what was left over to pay for a course he had been putting off for a long time.

Maria, a retired teacher, needed R$ 15,000 to help her daughter with college.

Instead of accepting the standard rate from the bank where she receives the benefit, she opted for the reduced-interest option under Law 15.252.

Accepted the automatic debit and notifications via the app.

He managed to get a 22% discount on the fee. For those who pay on time, the deal is worth its weight in gold.

Cases like these are not the exception. They are the new normal that is emerging.

Advantages and challenges of the new credit rules.

The biggest advantage is pure and simple empowerment.

For the first time, the customer has real tools to bargain.

It's like having an app that compares the price of milk in all the supermarkets in the city, but for loans.

You can see immediately where you're paying the most and take action.

Another advantage is the reduction of that old information asymmetry.

Before, the bank knew everything about you, and you knew almost nothing about the market. Today, the game is more balanced.

Of course, it's not all roses. There are still people who are wary of sharing data, even with all the security measures of Open Finance.

And there is a risk that some institutions will use the reduced interest rate option aggressively, offering an initial discount to those who accept harsher conditions in case of late payment.

A word of caution: read the contract carefully.

Frequently asked questions about the new credit rules that affect loans.

Question	Response
Can I transfer any loan now?	For now, only unsecured personal loans are available. Loans specifically for federal employees are expected to arrive in November 2026. Other loan types will follow gradually.
Is the low-interest loan option mandatory?	No. It's optional. You only join if you expressly agree to the extra conditions the bank offers in exchange for the lower rate.
Will my score change with these rules?	Indirectly, yes. Those who successfully use number portability and pay on time usually see an improvement in their credit history.
Do I need to go to a physical bank branch?	No. Everything happens through the app of the institution you choose.
Could the old bank make it difficult to transfer your account?	Only in very specific cases foreseen by regulation. The general rule is to facilitate, not to create obstacles.
When does Law 15.252 actually apply to new contracts?	It has been in effect since November 2025. Institutions had time to adapt.

These New credit rules that influence loans. They won't solve all the credit problems in Brazil.

Default rates remain alarming, and interest rates continue to be high compared to other countries.

But they create the conditions for the market to evolve in a healthier way.

If you have an active loan or are thinking about taking one out, it's worth checking out the offers that are popping up now.

The game has changed. And, for the first time in a long time, the side asking for the money has better cards in its hand.

Learn more about number portability at official website of the Central Bank.
Read the full text of Law 15.252/2025.