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Brazil’s Finance Ministry is preparing new betting restrictions that would prevent participants in debt renegotiation programs from registering on fixed-odds betting platforms for six months.
Finance Minister Dario Durigan said Monday that negotiations with banks had been completed and that the Desenrola 2.0 program would be submitted to President Luiz Inácio Lula da Silva on Tuesday.
The program is expected to be launched on May 1, Labor Day, with a focus on facilitating negotiations between debtors and creditors and reducing the number of families whose income is heavily committed to debt repayment.
The proposed betting barrier is aimed at individuals who enter debt renegotiation programs, including Desenrola 2. Under the planned framework, these users would be automatically included in the restricted gambling registry and prevented from registering on betting sites and fixed-odds betting apps for six months. After that period, they would be eligible to register again.
“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,” Durigan told reporters after a meeting with the PT caucus in the Chamber of Deputies.
The Ministry of Finance’s Prize and Betting Secretariat discussed changes to the restricted users module with representatives of industry associations on Monday. The module, which controls who can register on betting platforms, will be expanded under Desenrola 2.0 to consult information from the “List of Debtors.”
A financial institution will centralize the information and provide it to the SPA query API, which is integrated into the module.
Regulatory changes are expected to follow the program announcement. The government is preparing a regulatory act to amend SPA/MF Ordinance No. 1.231/24, along with a supplementary regulatory instruction modeled on SPA/MF Regulatory Instructions No. 22 and No. 31. These measures are expected to formalize the new impediment rules.
Betting operators will be required to adjust the disqualification API already integrated into their systems. The deadline is expected to be less than 30 days, with indications that it could be set at 15 days. The changes are needed so the API can support a new disqualification code linked to users participating in debt renegotiation programs.
Separately, the SPA is expected to clarify in the coming weeks that the prohibition in SPA/MF Ordinance No. 615/24 applies to additional credit modalities. The ban on the use of credit for fixed-odds betting is expected to explicitly cover PIX credit, PIX installments, and other methods that directly or indirectly allow the use of bank credit for betting.
The clarification will be issued through sub-legal regulations and is intended to close loopholes that allow borrowed funds to be used for gambling.
Operators will also be required to implement a “Financial Self-Test,” a tool developed by SPA with FEBRABAN to assess bettors’ financial literacy. Based on FEBRABAN’s Financial Health Index and adapted to the betting sector, the tool will classify users according to test scores and become part of operators’ digital environments.
The self-test is expected to be regulated and implemented in the first half of 2026. These may include educational campaigns, communication initiatives, and social media actions, potentially through future amendments to SPA/MF Ordinance No. 1.231/24.