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Brazil launches Desenrola 3.0 debt renegotiation program
The Brazilian government has launched Desenrola 3.0, a new phase of its debt renegotiation program designed to assist millions of citizens. A key shift in this phase is that the Union will purchase debt portfolios directly from financial and non-banking institutions through auctions. The government aims to secure a minimum discount of 90% during these auctions and will pass the full discount to the debtors, who can then pay in full or via installments.
The program targets debts with an original value of up to R$ 10,000 that have been overdue for between 720 and 1,645 days as of September 25, 2026. The Ministry of Finance estimates that up to R$ 150 billion in debts could be eligible, potentially benefiting 15 million people. The maximum estimated cost for the government to purchase these portfolios is R$ 15 billion, to be funded through the 2027 and 2028 budget projects.
Additionally, the government has extended the deadline for the Desenrola Adimplentes program, which focuses on informal workers with current or slightly overdue debts (up to 90 days), until October 26, 2026. This program allows for the renegotiation of unsecured personal credit debts up to R$ 15,000 with interest rates capped at 1.99% per month.
Entities
Banco do Brasil · Brazilian federal government · Caixa Econômica Federal · Luiz Inácio Lula da Silva · Ministry of Finance · National Monetary Council
Claims
What the coverage asserts, and how many sources carry each claim.
- [○ 1 SOURCE] The auction process is scheduled to begin with a call for proposals in November 2026, with contract signings in February 2027.
- [● 12 SOURCES] The government will purchase defaulted debt portfolios through auctions and pass the entire discount obtained to the debtor. conexaomarilia.com.br · fenacon.org.br · portalbrasilempresarial.com.br · rdmonline.com.br · somosnoticia.com.br · +5 more
- [● 7 SOURCES] The maximum estimated cost for purchasing the debt portfolios is R$ 15 billion. conexaomarilia.com.br · somosnoticia.com.br · oestadoonline.com.br · portalbrasilempresarial.com.br · rdmonline.com.br · +1 more
- [● 11 SOURCES] The program targets banking and non-banking debts with an original value of up to R$ 10,000. conexaomarilia.com.br · fenacon.org.br · portalbrasilempresarial.com.br · rdmonline.com.br · somosnoticia.com.br · +4 more
- [● 11 SOURCES] The minimum required discount in the auctions is 90%. conexaomarilia.com.br · fenacon.org.br · portalbrasilempresarial.com.br · rdmonline.com.br · somosnoticia.com.br · +4 more
- [● 26 SOURCES] The federal government created Desenrola 3.0, the third phase of a debt renegotiation program for individuals, via a provisional measure. conexaomarilia.com.br · fenacon.org.br · portalbrasilempresarial.com.br · rdmonline.com.br · somosnoticia.com.br · +20 more
- [● 11 SOURCES] Up to R$ 150 billion in debts are expected to be eligible, potentially benefiting up to 15 million people. conexaomarilia.com.br · fenacon.org.br · somosnoticia.com.br · oestadoonline.com.br · www.brasilemfolhas.com.br · +4 more
- [● 11 SOURCES] Eligible debts must be between 720 and 1,645 days overdue, as of September 25, 2026. conexaomarilia.com.br · fenacon.org.br · portalbrasilempresarial.com.br · rdmonline.com.br · somosnoticia.com.br · +4 more