Combate à lavagem de dinheiro por meio de fintechs - Segurança Pública - 12/05/2026

Audiência Pública sobre Combate à Lavagem de Dinheiro por meio de Fintex

Abertura da Audiência

• A audiência pública foi convocada em 12/05/2026, para discutir o combate à lavagem de dinheiro através das Fintechs, conforme requerimento do deputado Paulo Bilinski.

• A reunião está sendo gravada e transmitida ao vivo, com as apresentações disponíveis posteriormente na página da comissão.

Importância das Fintechs

• As fintechs têm um papel central na modernização dos serviços financeiros no Brasil, promovendo inovação e acesso ao crédito.

• O avanço das plataformas digitais traz desafios significativos para a segurança pública, especialmente devido à sofisticação das organizações criminosas.

Desafios e Necessidades Regulatórias

• Recentes operações demonstraram o uso indevido de estruturas financeiras digitais por organizações criminosas, evidenciando a necessidade de aprimoramento regulatório.

• A audiência busca promover um diálogo entre legisladores, autoridades públicas e especialistas para desenvolver estratégias eficazes contra crimes digitais.

Participação do Setor Privado

• Entidades como a Associação Brasileira de Fintex estão presentes para contribuir com soluções equilibradas que não comprometam a inovação nem a inclusão financeira.

• Os convidados terão 10 minutos para suas exposições; deputados poderão fazer perguntas em seguida.

Exposição do Presidente da AB Fintex: Diego Perez

Introdução às Fintechs

• Diego Perez destaca que as fintechs surgiram em 2014 e têm proporcionado acesso a serviços financeiros a mais de 60 milhões de brasileiros desde então.

• As fintechs operam em diversas áreas como pagamentos, investimentos e crédito, utilizando tecnologia inovadora para atender diferentes camadas da população.

Avanços Tecnológicos

• O Pix é citado como um exemplo bem-sucedido de arranjo de pagamento instantâneo desenvolvido pelo Banco Central do Brasil.

• O Open Finance permite uma troca eficiente de dados entre instituições financeiras e clientes, promovendo produtos personalizados.

Segurança Cibernética e Prevenção ao Crime Organizado

• Apesar dos avanços tecnológicos, houve aumento nos incidentes relacionados à lavagem de dinheiro e ataques cibernéticos.

• O ambiente digital é visto como uma oportunidade para combater atividades criminosas através do compartilhamento proativo de dados.

Compromissos do Setor Financeiro

• As entidades representativas estão desenvolvendo selos de conformidade na prevenção à lavagem de dinheiro.

• É crucial manter debates abertos sobre regulação que acompanhem inovações tecnológicas sem comprometer o crescimento econômico.

Considerações Finais sobre Regulação

Necessidade de Reforço Orçamentário

• É necessário reforçar orçamentos das autoridades regulatórias para acompanhar inovações tecnológicas no setor financeiro.

Uso Eficiente da Tecnologia nas Autoridades

• Espera-se que as autoridades utilizem inteligência artificial para melhorar supervisão e controle no mercado financeiro.

Exposição do Chefe da Divisão do Banco Central: Álvaro Lima Freitas Júnior

Papel do Banco Central na Supervisão das Fintech

• Álvaro discute o papel crescente das fintech no sistema financeiro nacional sob supervisão do Banco Central.

• Ele enfatiza que as fintech devem seguir regulamentações específicas estabelecidas pela Lei 12865/2013.

Crescimento das Instituições Supervisionadas

• Desde 2020 houve um aumento significativo nas instituições autorizadas pelo Banco Central: passando de 30 para 255 instituições.

• Este crescimento apresenta desafios tanto para o Banco Central quanto para as próprias fintech.

Medidas Contra Lavagem De Dinheiro

• O Banco Central implementou medidas rigorosas contra práticas ilícitas dentro dessas instituições supervisionadas.

• Há preocupação com fraudes devido ao crescimento rápido dessas instituições originárias da tecnologia.

Conclusões Sobre Riscos Enfrentados pelas Instituições

• Áreas vulneráveis foram identificadas onde organizações criminosas tentam explorar brechas nas operações financeiras digitais.

Overview of the Brazilian Exchange Association and Anti-Money Laundering Efforts

Introduction to Braracá

• The Brazilian Exchange Association (Braracá) represents 117 members, including major banks, brokerage firms, distributors, and virtual asset market participants.

• Over its 25-year history, Braracá has evolved important instruments for combating money laundering.

Public-Private Alliances

• A significant moment was the invitation from BFINTEC to discuss proposals addressing societal needs through public-private alliances.

• Such collaborations are seen as essential for effectively responding to societal issues and enhancing financial system protection.

Compliance and Control Mechanisms

• There is no competition in prevention efforts; all entities unite to enhance compliance and control measures.

• The compliance seal originated from Braracá's currency exchange segment but now applies broadly across the financial market under Circular 3978 from the Central Bank.

Evolution of Regulatory Framework

• Following a technical cooperation agreement with the Central Bank, two forums were established to address market challenges and propose solutions.

• The regulatory framework has expanded since 2020, identifying gaps that need addressing while implementing new requirements.

Impact of Compliance Seal

• By 2026, the compliance seal will be available beyond just Abracan members, aiming to strengthen controls across various associations.

• This certification process involves validation by a Big Four firm ensuring international convergence in compliance standards.

Structure of Compliance Series

Breakdown of Series for Financial Institutions

• Different series cater to specific types of institutions:

• Series 1000 for banks,

• Series 2000 for brokerages,

• Series 4000/4200 for payment institutions (fintech).

Importance of Monitoring and Evaluation

• Effective policies require continuous monitoring; audits must validate compliance annually.

• Initial assessments are crucial but should not lapse into complacency over time; ongoing evaluations are necessary.

Growth in Institutional Participation

Increase in Adherence to Compliance Standards

• From an initial ten institutions adhering to standards post-Circular 3978 implementation, participation has surged to around 350 institutions today.

Reduction in Penalties Post-Adherence

• Institutions that comply with the seal have significantly reduced penalties over time due to improved practices identified during audits.

Challenges Faced by Law Enforcement

Insights from Paulo Francisco Soares Freitas on Organized Crime

• Paulo discusses his experience combating organized crime since 2019 within specialized units focused on drug trafficking and financial crimes.

Shift in Criminal Operations Due to Technology

• The rise of digital transactions via apps like Pix has complicated law enforcement efforts against money laundering activities.

Complexity of Investigations

• Investigations often reveal intricate networks involving fictitious companies used as fronts for laundering large sums of money.

Need for Enhanced Collaboration

• Urgent calls for faster communication between financial institutions and law enforcement agencies are emphasized as critical for effective crime prevention.

Addressing Systemic Issues Related to Organized Crime

Perspectives on State Complicity

• Dr. Osmar Terra highlights concerns about state complicity contributing to organized crime growth in Brazil.

Legislative Implications

• Discussions focus on how judicial decisions can inadvertently benefit organized crime rather than public health or safety.

Call for Reform

• Emphasis is placed on reforming police training and structures needed to combat evolving criminal tactics effectively.

Discussing the Impact of Organized Crime on Public Health and Society

The Weakening of Public Health

• The discussion highlights how organized crime weakens public health, affecting various societal areas, including traditional businesses.

• Concerns are raised about financial institutions like Banco Master potentially laundering money for organized crime, indicating a deep infiltration into legitimate sectors.

Government's Role in Combating Organized Crime

• A call for decisive government action against organized crime is emphasized, questioning whether the president or organized crime controls the country.

• The importance of public hearings led by officials like Delegate Paulo Belinski is noted as crucial for understanding the extent of organized crime's influence.

Legislative Measures Against Organized Crime

• New legislative measures targeting child violence and incorporating artificial intelligence in combating organized crime are discussed.

• It is pointed out that organized crime extends beyond drug trafficking to include child trafficking, necessitating urgent state action.

Challenges in Tracking Financial Crimes

• Questions arise regarding effective mechanisms to prevent and track money laundering through fintech companies created by criminal organizations.

• The complexity of illicit businesses disguising themselves as legitimate operations poses significant challenges for law enforcement.

Addressing Drug Trafficking and Criminal Justice Reform

• The speaker argues against labeling small-time traffickers as victims, asserting that all levels of drug trafficking sustain the overall system.

• Misconceptions about prison overcrowding are challenged; it’s argued that Brazil has relatively low incarceration rates compared to global standards.

Urgency for More Prisons and Law Enforcement Action

• There is a strong argument made for increasing prison capacity over building schools due to an immediate need to remove violent offenders from society.

• Emphasis is placed on ensuring children's safety from potential threats posed by criminals operating freely in society.

Insights from Federal Authorities on Combating Money Laundering

Introduction by Dr. Andreia Costa Chaves

• Dr. Andreia introduces her role at Receita Federal and outlines her focus on combating money laundering through fintech operations.

Importance of Inter-Institutional Cooperation

• She stresses the necessity of cooperation among various governmental bodies to effectively combat organized crime across different sectors.

Operation Carbono Oculto: A Case Study

• Operation Carbono Oculto exemplifies successful inter-agency collaboration revealing extensive criminal networks within legitimate economic activities.

Evolving Structures in Financial Crimes

• Dr. Andreia discusses how criminal structures have become more sophisticated, necessitating enhanced state preparedness and technological investment.

Legislative Proposals and Systemic Reforms

Addressing Systemic Issues in Financial Institutions

• Deputy Pedro Campos emphasizes the need for reform within Brazil's financial system to combat infiltration by criminal organizations effectively.

Critique of Current Regulatory Framework

• He critiques existing regulations that hinder effective monitoring of fintech operations linked with money laundering activities.

Call for Comprehensive Reform

• A proposal is made for establishing a working group focused on comprehensive reforms aimed at enhancing transparency and accountability within financial institutions.

This structured summary captures key discussions around the impact of organized crime on public health, legislative responses, insights from federal authorities regarding financial crimes, and proposals for systemic reforms within Brazil's financial sector.

Discussion on Money Laundering and Fintech

Importance of Tracking Financial Transactions

• The speaker emphasizes the need to track money flows to identify criminal organizations, highlighting the significance of this process in combating money laundering.

• A call for courage in tracking financial transactions is made, stressing that political affiliations should not hinder efforts to uphold democracy and freedom.

Concerns Over Power Imbalance

• The speaker expresses concerns about a "dictatorship of the toga," indicating a perceived imbalance of power within governmental institutions.

• Criticism is directed at Minister Alexandre de Morais for delaying legislative actions regarding sentencing guidelines, which reflects broader issues of power dynamics.

Legislative Efforts and Collaboration

• The speaker acknowledges collaboration among parliamentarians, emphasizing the importance of diverse voices in legislative processes.

• A new public safety council is proposed to enhance discussions around security policies, aiming to address pressing public safety concerns effectively.

Utilization of Expertise in Security Matters

• The potential expertise available within government ranks is highlighted, with references to professionals from various law enforcement agencies contributing valuable insights.

• Plans are discussed for forming a council linked to public safety committees, ensuring that expert opinions guide policy decisions.

Addressing Crime and Public Safety Initiatives

• Despite opposition to current government policies, there’s recognition of the current Minister's technical competence in addressing security issues.

• A program aimed at providing housing solutions for police officers is introduced as part of broader efforts to improve their living conditions.

Challenges in Combating Organized Crime

• The necessity for confronting organized crime through robust financial oversight is reiterated; banks must be held accountable for their roles.

• There’s an acknowledgment that systemic failures contribute to ongoing challenges in controlling crime and managing public funds effectively.

Final Considerations from Experts

Insights from Law Enforcement Representatives

• Emphasis on qualified investigations by law enforcement agencies like DRACOs and Federal Police highlights ongoing efforts against sophisticated financial crimes.

• Drug trafficking remains a significant driver behind money laundering activities; understanding its impact on other crimes is crucial for effective law enforcement strategies.

Importance of Transparency and Cooperation

• Calls are made for enhanced transparency within tax administrations globally; cooperation between various state bodies is essential for combating organized crime effectively.

Regulatory Framework Enhancements

• Discussions focus on improving regulatory frameworks governing financial institutions; robust procedures are necessary to prevent money laundering activities effectively.

Need for Information Sharing

• Advocates stress the importance of sharing information between different regulatory bodies (e.g., Receita Federal and Banco Central), suggesting legal adjustments may be needed.

Conclusion: Collaborative Efforts Against Financial Crimes

• The session concludes with an emphasis on collaborative approaches between private entities and government authorities as vital in preventing criminal activities within digital finance sectors.

The Role of Digital Supervision in Combating Cybercrime

Importance of Financial Oversight

• Emphasizes the necessity for digital criminals to think twice before engaging in illegal activities due to supervision by authorities.

• Highlights validated methods for financially supporting regulatory entities through fees and public budget adjustments, ensuring strong oversight bodies like the Central Bank and CVM.

Adapting Regulatory Frameworks

• Stresses the need for regulators to have tools that allow them to keep pace with the dynamics of the digital economy, not just in regulation but also in monitoring malicious actors.

Contribution of Fintechs

• Acknowledges how fintech companies can enhance access to banking services, especially in remote areas lacking physical bank branches, thus integrating more people into the financial system.

Government's Role and Challenges

• Critiques government disinterest in combating organized crime that exploits fintech as a means for perpetuation; suggests a systemic issue where criminal elements are favored.

• References President Lula's recent commitment to combat organized crime, suggesting it may be influenced by external pressures rather than genuine intent.

Investment Needs for Crime Prevention

• Calls for increased investment and resources dedicated to fighting organized crime, emphasizing that effective measures could lead to significant financial returns for public coffers.

• Argues that dismantling organized crime would free up resources currently used for illicit activities, benefiting society at large.

Corruption Concerns

• Discusses corruption within governmental structures, citing specific examples such as mismanagement related to pension funds and highlighting systemic issues that hinder effective governance against crime.

Accountability Across Administrations

• Addresses accountability regarding past administrations' roles in financial misconduct while asserting that current narratives may misrepresent historical facts about responsibility.

Closing Remarks on Public Engagement

• Thanks participants who contributed valuable insights during the public hearing and acknowledges key figures present at the event.