Brazil Chamber of Deputies reviews bills on social security and fraud reimbursement

The Brazilian Chamber of Deputies is reviewing two legislative proposals aimed at increasing financial protections for citizens.

Bill 2795/2026, introduced by Deputy Arlindo Chinaglia, proposes that the National Social Security Institute (INSS) be required to pay double the retroactive amounts to individuals whose benefits were unjustly denied due to administrative errors or inadequate evidence analysis. This measure seeks to penalize negligence and ensure compensation for those facing financial hardship due to wrongful denials.

Separately, Bill 3127/26, introduced by Deputy André Janones, targets electronic transfer fraud. The proposal would mandate that banks reimburse victims of Pix and other electronic transfer scams, including micro and small enterprises. Under this bill, banks would have up to five business days to return funds following a contestation, or up to 35 days if a detailed investigation is required. If funds cannot be recovered from the recipient's account, the loss would be split equally between the victim's bank and the receiving institution. Banks could only deny reimbursement if they prove the victim acted with gross negligence or intent.