Law No. 15,252/2025: New rights for users of financial services

Law No. 15,252, of November 04, 2025 – sanctioned with vetoes by Brazil’s President and published in the Federal Official Gazette on November 05, 2025 – represents a milestone in expanding the rights of users of financial services in Brazil, promoting greater freedom of choice, transparency, and access to more efficient banking services.

The new legislation ensures that individuals using financial services have the right to automatic salary portability, automatic debits between institutions, as well as to information and special credit with reduced interest rates. Below, we highlight the key aspects of these rights:

1.  Automatic salary portability

The law ensures that any individual using financial services has the right to opt for automatic portability of salaries, pensions, and similar benefits, without the need for an individual and specific request for each new employment relationship. The transfer will be carried out digitally, with data sharing between financial institutions, providing consumers greater autonomy while encouraging competition between banks.

2. Automatic debit between financial institutions

Another significant advancement is the ability to set up automatic debits between accounts at different financial institutions, which facilitates the payment of loans, financing, and other obligations, even if the client holds accounts at multiple banks.

3. Right to information

The legislation reinforces the right to information by establishing that financial institutions disclose, in credit agreements and digital service channels, the total effective cost and interest rates applied when granting credit. Additionally, the automatic increase of credit limits without the user’s prior express consent is prohibited. The law also ensures the right to receive clear information about more advantageous credit options. These measures aim to increase transparency and protect borrowers from abusive practices.

4. Low-interest loans

The law also creates a special credit modality designed to reduce default rates, under which borrowers will be entitled to a percentage discount compared to the rates applied in similar credit transactions. The Central Bank of Brazil (“BC”) will be responsible for regulating this line of credit, further defining the criteria and conditions for granting it.

5. Presidential vetoes

Despite the progress, the presidential sanction was accompanied by significant vetoes. The following provisions were excluded:

(i) expansion of the concept of a payroll account to include prepaid accounts;

(ii) establishment of a maximum period of two business days for the execution of portability; and

(iii) assignment to the BC of the authority to define transfer deadlines – a competence which, according to the Executive Branch, belongs to the Brazilian National Monetary Council (“CMN”).

The CMN will establish the guidelines for implementing the new legislation, while the BC will be responsible for regulating it, both within a maximum of 180 days.

The law entered into force on the date of its publication.

Read Law No. 15,252/2025 in full.

Demarest’s Banking and Finance team is available to provide any further clarifications on the topic that may be necessary.