Changes the law on payroll-deductible loans (crédito consignado), which are loans repaid by direct deduction from the paycheck.
Changes the law on payroll-deductible loans (crédito consignado), which are loans repaid by direct deduction from the paycheck. The official summary (ementa) says the change deals with how these loans work through digital systems or platforms. It applies to CLT employees, rural workers, domestic workers and non-employee directors with FGTS.
Key points and official text
Key points
- Amends Law No. 10.820/2003, on payroll-deductible loans
- Deals with how payroll-deductible loans operate through digital systems or platforms
- Covers CLT employees, rural workers and domestic workers
- Includes non-employee directors entitled to the FGTS
Official text (MPV 1292/2025)
The official text is in Portuguese, as it was voted.
Altera a Lei nº 10.820, de 17 de dezembro de 2003, que trata sobre as operações de crédito consignado de empregados regidos pela Consolidação das Leis do Trabalho, aprovada pelo Decreto-Lei nº 5.452, de 1º de maio de 1943, de trabalhadores regidos pela Lei nº 5.889, de 8 de junho de 1973, e pela Lei Complementar nº 150, de 1º de junho de 2015, e de diretores não empregados com direito ao Fundo de Garantia do Tempo de Serviço - FGTS, para dispor sobre a operacionalização das operações de crédito consignado por meio de sistemas ou de plataformas digitais.
How each deputy voted
Symbolic vote: the result was announced without recording each deputy's vote.
Subject: Taxes and Economy. Subject and summary are written by artificial intelligence and can contain errors; the official text of each bill is always available on the Chamber's website. How artificial intelligence is used