The measure is part of the adjustments that different state agencies are implementing to stimulate the Income from foreign exchange to the formal economic circuit, especially in contexts of consumption, investment or acquisition of assets. The goal is Reduce obstacles without weakening anti -saved controls.
The reforms affect public records, financial entities and notaries, and are directly linked to cash operations. They are based, among other reasons, on the need to update report thresholds Before the general price increase and to adapt the procedures to the international standards of the International Financial Action Group (GAFI), which promotes a risk -based approach.
These modifications respond to Decree 353/2025, which ordered the FIU to review its regulations within 30 days. Thus, the agency introduced changes in key articles of the FILE resolutions. 70/2011, 127/2012, 14/2023 and 242/2023.
Changes in real estate records
Article 12 of the FIU resolution No. 70/2011 was updated, raising 200 to 750 minimum, vital and mobile salaries (SMVM) The threshold from which the records of real property must report registrations trading. With this measure, it seeks to reflect the current market values and limit controls to higher risk operations.
Settings in automotive records
The FIIF resolution No. 127/2012 was also modified, which Regulates the automotive records. Article 16 now sets the threshold for $ 115 million to prepare the client’s profile in sale operations. From that amount, Documentation must be submitted to the lawful origin of the funds, although accounting certification is no longer required: Bank summaries, deeds, sales vouchers and affidavits on the origin and legality of the money are valid.
In addition, this obligation is exempted to the operations carried out through bank transfers or checks of the holder, or financed by credits granted by entities regulated by Law 21.526.
In parallel, The automatic update of the thresholds provided for articles 16 and 26 of that resolution was suspended until January 2026which will be adjusted again according to the price index of the Acara automotive sector. The threshold of article 26 was also updated: now the automotive acquisitions must be reported when they exceed $ 50 million.
Financial entities: cash deposits
The resolution modifies the FIU N ° 14/2023. Article 42 now It requires reinforced monitoring in cash deposits that equal or exceed 40 SMVM. The depositor and, if applicable, to the person on behalf of who the operation is carried out should be identified.
Nevertheless, Operations with cards or collection accounts are excepted, although they are also required to be in the name of the holder.
Article 44 forces to inform all cash operations from that same threshold, including sale of foreign currency. The reports are classified as RTE (cash transactions) and RTEOC (transactions in cash in change operations).
Finally, article 37 was updated, which regulates the transactional profile of customers. This must now be prepared with projections and patrimonial or economic documentation, without requiring tax statements.
Public Notes: New Rules
As for the notaries, SE reformed articles 24 and 28 of the FIU resolution No. 242/2023. The requirement to document the origin of the funds was strengthened when building the client’s profile, and rose from 700 to 750 SMVM the threshold to report transfers of the domain of cash, provided that the notary acts on behalf of the client.
Source: Ambito
