meta_id 3312837

On July 9, 2026, Brazil's Central Bank (Banco Central do Brasil, or BCB) issued Normative Instruction BCB No. 759, which publishes version 8.0 of the Manual of Data and Services Scope for Open Finance (Manual de Escopo de Dados e Serviços do Open Finance). The instruction was signed by the heads of the Department of Financial System Regulation (Denor), the Department of Supervision of Cooperatives and Non-Banking Institutions (Desuc), the Department of Banking Supervision (Desup), and the Department of Information Technology (Deinf). The primary change in version 8.0 involves the inclusion of data and scope specifications for the credit portability service, a new feature within Brazil's Open Finance framework. Credit portability enables customers to transfer credit operations from their original creditor institution to a proposing institution offering more advantageous terms, subject to prior customer consent and data sharing. Initially, the credit portability service applies to personal credit operations without payroll deduction, as defined in the BCB's Document 3040. The manual specifies minimum data requirements for credit portability, including customer identification, proposing institution details, original creditor institution information, and characteristics of both the existing and proposed credit operations. The updated manual maintains mandatory compliance for all participating Open Finance institutions and establishes technical requirements for implementing data sharing and payment initiation services. It incorporates specifications for optimised payment transaction initiation journeys with data sharing and clarifies requirements for Pix instant payment arrangements. The manual will remain available on the BCB's Open Finance webpage and the Brazil Open Finance Portal, maintained by the Open Finance Governance Structure. Normative Instruction BCB No. 724 (April 16, 2026) is revoked. The new instruction enters into force on November 3, 2026.