Brazil Chamber of Deputies approves loyalty program regulation

The Brazilian Chamber of Deputies has approved Bill 3.083/2026, which aims to regulate loyalty programs and the conversion of accumulated points or miles into cash. The proposal, authored by Deputy Ricardo Ayres, seeks to establish clearer national rules and recognize the economic value of these credits.

The bill introduces two distinct regimes based on whether a program offers an official mechanism for cash conversion. Programs providing an official channel through an independent operator may establish their own rules for commercialization. However, for programs where cash conversion is limited or residual, the bill prohibits companies from restricting the sale or transfer of miles by users.

Furthermore, the legislation prohibits companies from penalizing consumers for the lawful sale of miles through actions such as account suspensions, ticket cancellations, or balance retentions. While fraud prevention mechanisms like auditing and tracking remain permitted, they cannot be used to block legitimate transactions. The bill now moves to the Federal Senate for analysis.