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Brazil is preparing new fixed-odds betting rules tied to debt renegotiation. The Ministry of Finance wants people who join programs such as Desenrola 2.0 blocked from opening betting accounts for six months.
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Finance Minister Dario Durigan said Monday that talks with banks had ended and that the Desenrola 2.0 proposal would go to President Luiz Inácio Lula da Silva on Tuesday.
The program aims to help debtors and creditors reach deals, while cutting the number of families with income tied up in debt payments. However, the government also wants to stop newly renegotiated debt from turning into fresh betting losses.
Durigan said:
“We are studying how to create incentives for clients who use Desenrola. Because it’s no use resolving a debt if, immediately afterwards, the person gets into debt again with betting companies,”
Under the plan, people who join debt renegotiation programs, including Desenrola 2.0, would automatically enter the restricted gambling registry. For six months, fixed-odds betting platforms and apps could not register them. After that period, they could apply again.
The Ministry of Finance Prize and Betting Secretariat, known as SPA, discussed the restricted users module with industry association representatives on Monday. The module already controls access to licensed betting platforms, and Desenrola 2.0 would add checks against the “List of Debtors.”
A financial institution would centralize the debt information and send it to the SPA query API. Operators already use that API, but they would need to adjust the disqualification system for a new code linked to debt renegotiation users.
Regulatory text should follow the Desenrola 2.0 announcement. The government plans to amend SPA/MF Ordinance No. 1.231/24 and add a regulatory instruction based on SPA/MF Regulatory Instructions No. 22 and No. 31.
The deadline for operators looks short. Officials may give companies less than 30 days, and early signs point to 15 days, to update systems.
Brazil also plans to close credit loopholes in betting payments. SPA is expected to clarify that SPA/MF Ordinance No. 615/24 covers PIX credit, PIX installments, and any method that directly or indirectly lets bank credit fund fixed-odds betting.
Another rule package will add a Financial Self-Test to betting platforms. SPA developed the tool with FEBRABAN, using the Financial Health Index as a base and adapting it for betting. The test will classify users by score and become part of operator digital platforms.
Implementation is expected in the first half of 2026. Future changes to SPA/MF Ordinance No. 1.231/24 may also include educational campaigns, user messages, and social media actions.