FIES: Government prohibits debtors from accessing online betting sites - BNLData

FIES: Government prohibits debtors from accessing online betting sites - BNLData FIES: Government prohibits debtors from accessing online betting sites. Betting The 04.07.26 By: Magno Jose Share: -A + A Normative Instruction and Ordinance from the Prizes and Betting Secretariat of the Ministry of Finance prevents those renegotiating Student Financing Fund loans from creating and using betting accounts through new regulations. The Secretariat for Prizes and Betting of the Ministry of Finance (SPA/MF) published, in the Official Gazette of the Union on Friday (June 30), two regulations that prohibit beneficiaries of the renegotiation of FIES (Student Financing Fund for Higher Education) debts from accessing fixed-odds betting platforms. The restriction covers both the opening of new accounts and the use of existing ones. The regulations are Normative Instruction SPA/MF No. 8 and Ordinance SPA/MF No. 1.638, both signed on Monday (June 26) by Secretary Daniele Correa Cardoso. The ordinance amends Ordinance SPA/MF No. 1.231, of Tuesday (July 31) 2024, adding FIES beneficiaries to the list of people prohibited from participating in betting. The normative instruction details how operators should implement this prohibition in practice. What betting sites need to do The main obligation imposed on operators is to consult the Betting Management System (SIGAP), a database managed by SPA/MF itself, which contains blocked CPF numbers (Brazilian taxpayer identification numbers). This system returns two possible responses: “Blocked – FIES Renegotiation” or “Not Blocked”. The consultation is mandatory at two specific points in the user's journey: ⇒ Opening an account on the platform; First login of the day. If the CPF (Brazilian taxpayer ID) consulted returns a "blocked" marking at the time of registration, the operator must immediately deny the account opening. If the block is detected during the daily login of an existing account, the procedure is more complex: the operator has up to one day to notify the user by email, SMS, messaging app, or other available channel. The communication must inform the user that they have two days to voluntarily withdraw the funds from the account. Suspension, return and records After notification, the operator has up to three days, from the date of consultation with SIGAP, to suspend the account. If the user does not withdraw the funds within this period, the operator must transfer them to a bank or payment account registered and maintained at an institution authorized by the Central Bank. Open bets at the time of identification must also be canceled, with a full refund of the amounts. In cases where direct reimbursement is not feasible—due to problems with the user's account, inability to contact the account holder, or refusal to provide a destination account—the operator must maintain accounting records of the amounts and continue attempting to contact the account holder. All communications with the user must be documented, including date, time, channel used, and message content, and stored for a minimum of five years. The restriction is temporary; it automatically ceases when the beneficiary's CPF (Brazilian taxpayer ID) is no longer listed in the SIGAP's (Integrated Account Management System) database. However, account reactivation depends on updating registration information and the absence of any other legal impediment. Deadlines and retroactivity The normative instruction establishes two critical deadlines from its publication. The first is ten days for operators to implement the described procedures. The second, of fifteen days, determines that betting houses consult SIGAP for all CPF numbers already registered on their platforms — and suspend the accounts of those who appear as ineligible. This retroactive screening is the most sensitive element of the regulation; it requires operators to actively identify already registered users who have become FIES beneficiaries after opening their account, and not just block new access. Context of the fence The ban on FIES beneficiaries is part of a broader list of restrictions that the SPA/MF has been building since July 2024. Ordinance No. 1.638 included this group in item X of article 8 of Ordinance No. 1.231, alongside other already prohibited categories, including: ⇒ Beneficiaries of the Bolsa Família Program and the Continuous Benefit Payment (BPC); ⇒ Beneficiaries of the Extraordinary Program for Financial Rebalancing of Families (Novo Desenrola Brasil), whose contracts are guaranteed by the Operations Guarantee Fund. The inclusion of FIES debtors on the list was supported by Resolution No. 66 of the FIES Management Committee, dated Friday (May 11) 2026, and is based on Article 5-A, paragraph 4-B, of Law No. 10.260, dated Tuesday (July 12) 2001. Failure to comply with the obligations set forth in the normative instruction will subject the operators to the sanctions provided for in SPA/MF Ordinances No. 1.225 and No. 1.233, dated Tuesday (July 31) 2024, pursuant to Articles 41 and 42 of Law No. 14.790, dated Tuesday (December 29) 2023. The regulation does not specify how many CPF numbers (Brazilian taxpayer ID numbers) of FIES beneficiaries are currently in the SIGAP database, a detail that will determine the practical impact on operators in complying with the retroactive screening scheduled for the first fifteen days. Ministry of Finance/Secretariat of Prizes and Bets Normative Instruction SPA/MF No. 8, of June 26, 2026 This document establishes the procedures to be followed by fixed-odds betting operators to prevent the registration or use of betting systems by individuals benefiting from debt renegotiation with the Student Financing Fund for Higher Education – FIES, as stipulated in Article 5-A, § 4-B, of Law No. 10.260, of July 12, 2001, pursuant to Article 8, caput, item X, of SPA/MF Ordinance No. 1.231, of July 31, 2024. The Secretary of Prizes and Betting of the Ministry of Finance, in the exercise of the powers conferred upon her by article 55, paragraph I, subparagraph “d”, of Annex I of Decree No. 11.907, of January 30, 2024, and considering the provisions of article 8, item X, of SPA/MF Ordinance No. 1.231, of July 31, 2024, and article 2 of SPA/MF Ordinance No. 1.638, of June 8, 2026, resolves: Article 1. This Normative Instruction establishes the procedures to be observed by fixed-odds betting operators to prevent the registration or use of betting systems by individuals benefiting from debt renegotiation with the Student Financing Fund for Higher Education – FIES, as provided for in Article 5-A, § 4-B, of Law No. 10.260, of July 12, 2001, pursuant to Article 8, caput, item X, of SPA/MF Ordinance No. 1.231, of July 31, 2024. Article 2. Betting operators must, without prejudice to other measures they deem appropriate, consult the Betting Management System – SIGAP to verify whether the user is listed in the database of beneficiaries of debt renegotiation with the Higher Education Student Financing Fund – FIES. Article 3. Consultations with the Betting Management System – SIGAP must be carried out in accordance with the rules contained in the Manual of the Ineligible Module, available at the electronic address https://www.gov.br/fazenda/pt-br/composicao/orgaos/secretaria-de-premios-e-apostas/sistema-de-gestao-de-apostas-sigap or at another address published by the Betting Prizes Secretariat. Article 4. Consultations with the Betting Management System – SIGAP must be carried out by betting operators, on a mandatory basis, when the user performs one of the following actions in the betting system: I - opening of registration; and II – first login of the day. Sole paragraph. The consultations foreseen in this article do not exclude the need for periodic consultations with the Betting Management System – SIGAP, already foreseen in other regulations of the Prizes and Betting Secretariat. Article 5. Access to the Betting Management System – SIGAP must be done using the user's Individual Taxpayer Registry number – CPF. Sole paragraph. The Betting Management System – SIGAP will return the query with the following information for the betting operator: I – “Ineligible – FIES Renegotiation”, when the Individual Taxpayer Registry number – CPF appears in the Ineligible Module database as belonging to a person benefiting from debt renegotiation with the Student Financing Fund for Higher Education – FIES; or II – “Not Impeded”, when the Individual Taxpayer Registry number – CPF is not found in the Impeded Module database. Article 6. The request to open an account in the betting system must be denied when the query to the Betting Management System – SIGAP returns the information “Blocked – FIES Renegotiation”. Article 7. Upon the first login of the day to the betting system, if the query returns the information "Blocked - FIES Renegotiation", the betting operator must suspend the account within three days from the date of the query. § 1 Before suspending a user's account, the betting operator must inform the user of the reason, via email, messaging applications, Short Message Service – SMS, or other available means, within a maximum period of one day from the date of the inquiry. § 2 The communication referred to in § 1 must inform the user of the possibility of voluntarily withdrawing funds in their name from the account within two days. § 3 If the user does not voluntarily withdraw the funds in their name from the account, the betting operator will make the refund as per article 8. § 4 The betting operator must document all communications with the user, recording the date, time, channel used and message content, and store this information for a minimum period of five years. Article 8. If the user identified as a beneficiary of the debt renegotiation with the Student Financing Fund for Higher Education – FIES has not withdrawn the funds from their account, the betting operator must, after suspending the account as per Article 7, return the funds within two days by transferring them to one of the deposit or payment accounts registered in the betting system and held at a financial or payment institution authorized by the Central Bank of Brazil. Sole paragraph. In the event that it is not possible to remit the funds as described above, including due to problems involving the user's deposit or payment account, inability to contact them, or their refusal to provide a deposit or payment account, the betting operator must: I – maintain accounting records of the resources mentioned in the heading; and II – to make efforts to contact the user as per article 7, § 1, so that they may indicate a deposit or payment account in their name at an institution authorized by the Central Bank of Brazil, through which they may receive the funds in their name. Article 9. If a user is identified as a beneficiary of debt renegotiation with the Student Financing Fund for Higher Education – FIES and has open bets, the betting operator must cancel them and make a full refund of the funds as per Article 8, if the user has not made the voluntary withdrawal referred to in Article 7, § 2. Article 10. The restriction on the use of the betting system applies exclusively while the user's Individual Taxpayer Registry number (CPF) is listed in the database of the Restricted Users Module of the Betting Management System (SIGAP). Sole paragraph. The betting operator may reactivate the account in the betting system, by updating the registration, of the user whose Individual Taxpayer Registry number (CPF) is no longer listed in the database of the Blocked Users Module referred to in this Normative Instruction, provided that there is no other legal impediment. Article 11. It is forbidden to consult or process data from the Ineligible Players Module of the Betting Management System – SIGAP for purposes other than those set forth in this Normative Instruction and other regulations issued by the Prizes and Betting Secretariat. Article 12. Betting operators must report, through the Betting Management System – SIGAP, with the status “Impeded – FIES Renegotiation”, the Taxpayer Identification Number – CPF of users prevented from registering or using the betting systems, in the form of the model published at the electronic address https://www.gov.br/fazenda/pt-br/composicao/orgaos/secretaria-de-premios-e-apostas/sistema-de-gestao-de-apostas-sigap, within a maximum period of fifteen days, after updating the data model with the inclusion of this functionality, which will be communicated by the Secretariat of Prizes and Betting. Sole paragraph. As long as there are funds in the transactional account belonging to the user identified as a beneficiary of the debt renegotiation with the Student Financing Fund for Higher Education – FIES, as addressed in this Normative Instruction, the betting operator must maintain the status “Suspension – FIES Renegotiation” registered in the Betting Management System – SIGAP, and inform the Prizes and Betting Secretariat, as per the main clause. Article 13. Betting operators must implement the procedures set forth in this Normative Instruction within a period of up to ten days from its publication. Article 14. Within fifteen days from the date of publication of this Normative Instruction, betting operators must consult the Ineligible Entities Module of the Betting Management System – SIGAP for all Individual Taxpayer Registry – CPF numbers registered in their betting systems, to verify if any user appears in the database of beneficiaries of debt renegotiation with the Student Financing Fund for Higher Education – FIES. Sole paragraph. If the query returns the information “Blocked – FIES Renegotiation”, the betting operator must suspend the user's account, as per article 7. Article 15. Failure to comply with the duties set forth in this Normative Instruction will result in the application of Ordinance SPA/MF No. 1.225, of July 31, 2024, and Ordinance SPA/MF No. 1.233, of July 31, 2024, as applicable, pursuant to Articles 41 and 42 of Law No. 14.790, of December 29, 2023. Article 16. This Normative Instruction enters into force on the date of its publication. DANIELE CORREA CARDOSO Ministry of Finance/Secretariat of Prizes and Bets SPA/MF Ordinance No. 1.638, of June 26, 2026 Amends Ministry of Finance Ordinance SPA/MF No. 1.231, of July 31, 2024, to include a provision prohibiting participation in fixed-odds betting for individuals benefiting from debt renegotiation with the Student Financing Fund — FIES, as provided for in Article 5-A, § 4-B, of Law No. 10.260, of July 12, 2001. The Secretary of Prizes and Betting of the Ministry of Finance, in the exercise of the powers conferred upon her by article 55, caput, item I, subparagraph “d”, of Annex I of Decree No. 11.907, of January 30, 2024, and considering the provisions of article 29, § 3, of Law No. 13.756, of December 12, 2018, Law No. 14.790, of December 29, 2023, Law No. 10.260, of July 12, 2001, and Resolution No. 66, of May 11, 2026, of the Management Committee of the Student Financing Fund – Fies, resolves: Article 1. Ordinance SPA/MF No. 1.231, of July 31, 2024, shall enter into force with the following amendments: Article 8 ………………………………………………………………………………………………….. ………………………………………………………………………………………………………………. VIII – individuals who are beneficiaries of the Bolsa Família Program, as provided for in Law No. 14.601 of June 19, 2023, and of the Continuous Benefit Payment, as provided for in Law No. 8.742 of December 7, 1993; IX – individuals benefiting from the Extraordinary Program for the Financial Rebalancing of Families – Novo Desenrola Brasil, established by Provisional Measure No. 1.355, of May 4, 2026, whose contract for the new credit operation is guaranteed by the Guarantee Fund for Operations referred to in Law No. 12.087, of November 11, 2009; and X – individuals benefiting from the renegotiation of debts related to the collection of credits from the Student Financing Fund – Fies, under the terms of art. 5º-A, § 4º-B, of Law nº 10.260, of July 12, 2001, and Resolution CG-Fies nº 66, of May 11, 2026” (NR). Article 2. A specific act will provide for technical aspects, deadlines, adaptation period and procedures to be observed by betting operators to prevent the registration or use of the betting system by the persons referred to in Article 8, item X, of SPA/MF Ordinance No. 1.231, of July 31, 2024. Art. 3 This Ordinance enters into force on the date of its publication. DANIELE CORREA CARDOSO Share: Results of the CAIXA Lottery Mega-Sena lottery draw 3026: 14 - 19 - 42 - 45 - 48 - 54 Lottery draw 3027: Prize R$ 33 million Lotofácil contest 3726: 02 - 05 - 06 - 07 - 10 13 - 14 - 17 - 18 - 19 20 - 21 - 22 - 24 - 25 Contest 3727: Prize R$ 5 M Most read See also... ANJL launches responsible gaming campaign during the World Cup. Spotify removes 500 music plays after bots were used in rankings. Brazilian Federal Revenue Service regulates income tax on betting commissions with new normative instruction. Brazil's Attorney General's Office (AGU) notifies Google to remove online gambling videos from YouTube. Brazilian Federal Prosecutor's Office opens inquiry to investigate federal government oversight of betting advertising. Brazil's Supreme Court (STF) has scheduled a hearing on the criminalization of gambling for August 5th. The first Jogo do Bicho (Animal Game) draw turns 134 years old, and legalization advances in the Senate. Lula's government removed restrictions on online gambling advertising, says Folha. 2026 World Cup: Betting houses register losses in the group stage. 