Brazil extends Novo Desenrola debt-relief MP by 60 days, with CPF betting block still in place

Brazil’s Senate president Davi Alcolumbre has extended the validity of six provisional measures by 60 days, including MP 1.355/2026, which created the Novo Desenrola Brasil debt-renegotiation program. For high-risk payment providers, the detail that matters is not just the refinancing terms — it’s the built-in restriction on beneficiaries’ CPF registration and use on fixed-odds betting platforms for 12 months.

1. Alcolumbre signed the extension on Tuesday (23), and the publication appeared in the Diário Oficial da União. The move keeps the rules of Novo Desenrola Brasil in force while the Chamber of Deputies and the Senate finish reviewing the text.
2. The MP was issued by the federal government on 4 May. It allows people with monthly income of up to R$ 8.105 to refinance debts of up to R$ 15 mil per bank, with interest capped at 1,99% per month.
3. The scope is broader than consumer credit. The text also includes provisions to ease debt burdens for microenterprises and small businesses, and it sets out terms for borrowers with debts linked to the Fundo de Financiamento Estudantil (Fies).
4. The extension became necessary because Congress did not complete the vote within the initial 60-day window. Provisional measures take effect immediately after publication in the official gazette, but they only remain valid if lawmakers approve them. If the vote is not completed in time, the president of the Congress’s leadership extends the measure once, for the same period.
5. The new deadline for deliberation is 14 September 2026. If Congress does not vote by then, the measure loses effect retroactively, and the previous legal framework returns.

For betting operators and PSPs touching Brazil, the operational point is straightforward: the program links debt-relief enrollment to a 12-month block on new betting activity via CPF. The Secretaria de Prêmios e Apostas (SPA) has already set the operational rules, including blocking beneficiary access to fixed-odds betting systems, canceling open bets with full refunds of deposited funds, and keeping the ban on funding bets with credit-based methods such as credit cards and installment Pix.