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INSS allows payroll loans without facial biometrics
The Brazilian Social Security Institute (INSS) has updated its regulations regarding payroll-deductible loans (consignado) through Normative Instruction 213. The new rules allow retirees and pensioners who do not have facial biometrics registered in government databases to authorize loan contracts and credit portability using bank data validation via the Meu INSS application.
While facial biometrics remains the primary authentication method to prevent fraud, this change ensures that beneficiaries without existing biometric records in systems like the CNH or Electoral Justice are not excluded from credit access. To maintain security, the INSS has established several strict protocols: loan authorization cannot be conducted via telephone or voice recording, and financial institutions must report deposit details within seven business days.
For credit portability, beneficiaries must sign a specific authorization term within the app. The receiving bank has a 20-day window to confirm the transfer; failure to do so will result in the automatic cancellation of the operation. These measures aim to balance financial inclusion with the need to mitigate fraud risks following previous security scandals within the institution.
Entities
Ana Cristina Viana Silveira · Dataprev · Gov.br · INSS · Instituto Nacional do Seguro Social · Meu INSS · Tribunal de Contas da União
Claims
What the coverage asserts, and how many sources carry each claim.
- [● 2 SOURCES] Financial institutions must report loan deposit data to the beneficiary within seven business days. marioadolfo.com · destakjornal.com.br
- [● 2 SOURCES] The INSS published Normative Instruction 213 on the 19th. marioadolfo.com · destakjornal.com.br
- [● 2 SOURCES] Banks have 20 days to confirm a transfer or the operation will be canceled. marioadolfo.com · destakjornal.com.br
- [● 2 SOURCES] Authorization for loan discounts cannot be conducted via telephone or voice recording. marioadolfo.com · destakjornal.com.br
- [● 2 SOURCES] Retirees and pensioners without facial biometrics can now contract payroll loans using the Meu INSS app with banking data. marioadolfo.com · destakjornal.com.br
- [● 2 SOURCES] Facial biometrics remain available for those with records in official databases like CNH or Electoral Justice. marioadolfo.com · destakjornal.com.br