# Brazil Novo Desenrola debt renegotiation expands > Live situation record from CLSTR: https://clstr.news/situations/brazil-household-debt-renegotiation-initiatives > Updated: 2026-08-21T18:42:24.000Z. Sources: 29. Developments: 5. Since its launch in May 2026, Brazil’s Novo Desenrola (Desenrola 2.0) programme has accelerated debt restructuring for households, small firms, rural producers, and students. By mid-August, the programme’s total volume reached R$25.5 billion, exceeding initial R$20 billion estimates, with consumers receiving average discounts of 80%. Banking participation has expanded significantly. Nubank led individual bank renegotiations with approximately 568,000 agreements totalling R$1 billion, estimating R$443 million in savings regarding credit costs. Bradesco followed with 329,500 renegotiations amounting to R$662.7 million. Itaú Unibanco has also participated, renegotiating R$1.1 billion in debt across 371,000 clients. Regionally, Banco do Brasil recorded over R$273 million in renegotiations in the state of Paraíba alone, covering family, rural, student (Fies), and business categories. The programme facilitates discounts of up to 90% and installment plans of up to 48 months for debts contracted up to January 31, 2026, that are between 90 days and two years overdue. However, the broader economic outlook remains cautious. While a Central Bank of Brazil survey indicates that financial institutions expect delinquency rates to continue deteriorating in the third quarter of 2026—albeit at a slower pace than the previous quarter—lenders remain restrictive with credit supply. Reflecting this ongoing concern, major financial institutions have seen net provisions for bad debts increase by 23% annually compared to the previous semester. Additionally, while banks have welcomed measures for defaulters, there is reported resistance regarding a version of the programme intended for consumers who are currently up to date with their payments. ## Claims - Banco do Brasil renegotiated R$10.4 billion in overdue debts under the Novo Desenrola programme since May 2026. (corroborated by 2 sources) - R$10.4 billion is approximately US$1.86 billion at an exchange rate of R$5.60 per US dollar. (single source) - The Novo Desenrola programme has renegotiated more than R$20 billion in total debt across Brazil. (single source) - More than 6 million people have benefited from the Novo Desenrola programme. (single source) - Around 4 million consumers had their names removed from delinquency registries through the programme. (single source) - Approximately 1.1 million people paid debts in full with discounts up to 80 % under the programme. (single source) - The programme allows borrowers to use up to 20 % of their FGTS balance to settle part of the debt. (single source) - Outside the official programme, 562 000 individuals renegotiated R$6.1 billion in debt spontaneously. (single source) ## Timeline ### 2026-08-21: Desenrola Brasil drives massive debt renegotiations across Brazilian banks Brazil's Desenrola Brasil program is driving massive debt renegotiations, with Banco do Brasil reporting R$ 273 million in Paraíba and Itaú Unibanco reaching R$ 1.1 billion in restructured debt. 6 sources. https://clstr.news/cluster/desenrola-brasil-drives-massive-debt-renegotiations-across-brazilian-banks ### 2026-08-19: Nubank leads debt renegotiations via Novo Desenrola program Nubank and Bradesco are leading debt renegotiations via the Novo Desenrola program, yet banks expect continued delinquency deterioration through late 2026 according to Central Bank data. 5 sources. https://clstr.news/cluster/nubank-leads-debt-renegotiations-via-novo-desenrola-program ### 2026-07-25: Banco do Brasil renegotiates R$10.4 bn under Novo Desenrola program Banco do Brasil renegotiated R$10.4 bn under Novo Desenrola; the programme has handled >R$20 bn, helped over 6 m Brazilians, and allows up to 20 % FGTS use. 4 sources. https://clstr.news/cluster/banco-do-brasil-renegotiates-r104-bn-under-novo-desenrola-program ### 2026-07-21: Brazil's Novo Desenrola program drives billions in debt renegotiations Novo Desenrola Brazil has renegotiated over R$20 bn for 6 million people, extended with rural‑credit lines regulated by the CMN and new participation from banks like Banco Carrefour, while Febraban runs a final 16 sources. https://clstr.news/cluster/brazils-novo-desenrola-debt-program-gains-new-bank-partner-and-finalstage-nationwide-push ### 2026-07-14: Brazil's CDHU launches housing loan renegotiation drives in Garça and Bauru Brazil's CDHU held a two‑day housing loan renegotiation event in Garça (July 22‑23) and a mobile service week in Bauru (July 14‑18), offering debt settlement, contract revisions and legal aid to borrowers. 2 sources. https://clstr.news/cluster/brazils-cdhu-launches-housing-loan-renegotiation-drives-in-gara-and-bauru --- Cite as: Brazil Novo Desenrola debt renegotiation expands. CLSTR, https://clstr.news/situations/brazil-household-debt-renegotiation-initiatives