Brazil orders fixed-odds betting operators to block Desenrola Adimplente debt-program beneficiaries

The Brazilian Ministry of Finance’s Secretariat of Prizes and Betting (SPA/MF) has published new rules that bar beneficiaries of the Desenrola Adimplente federal debt-restructuring program from accessing fixed-odds betting platforms. For operators, this is not just another compliance note: it adds a CPF-based screening obligation at onboarding and at first daily login for existing users.

1. On 1 July 2026, SPA/MF issued an Instrução Normativa and a Portaria in the extra edition of the Diário Oficial da União. The measures follow Provisional Measure No. 1,373, dated 29 June 2026, and together they create a new betting prohibition for users enrolled in Desenrola Adimplente, the federal debt renegotiation program for credit borrowers in good standing.
2. Portaria SPA/MF No. 1,928 amends Portaria SPA/MF No. 1,231 of 31 July 2024 to add the new exclusion rule. In parallel, Instrução Normativa SPA/MF No. 11 sets out the technical and operational steps betting agents must use to enforce it.
3. Operators must query the Sistema de Gestão de Apostas (SIGAP) at two points: when a new user registers and on the first daily login of already-registered users. The check is done by CPF, and SIGAP returns one of two outcomes: “Impedido – Desenrola Adimplente” or “Não Impedido”.
4. If the user is flagged, new registrations must be rejected immediately. For existing users, betting access is blocked at once and the account must be suspended within three days. Any open bets must be cancelled, with full repayment of funds to the user.
5. Before suspension, the operator has one day to notify the user by email, SMS, messaging apps, or any other available channel. The notice must tell the user they can withdraw funds voluntarily within two days. If the money is not withdrawn, the operator must transfer it to a bank account registered in the system within two days after suspension. All communications in the process must be documented and kept for at least five years.

The compliance timeline is tight. Operators have ten days from publication to implement the new procedures, and fifteen days to run a retroactive sweep of all CPFs already stored in their systems against SIGAP’s blocked-user module. The restriction is not permanent: once a CPF no longer appears in the SIGAP Module of Impeded Users, the operator may reactivate the account, provided no other legal restriction applies.