{"id":5945,"date":"2023-08-10T09:54:23","date_gmt":"2023-08-10T12:54:23","guid":{"rendered":"https:\/\/sinqia.com.br\/?p=5945"},"modified":"2024-07-10T15:35:40","modified_gmt":"2024-07-10T18:35:40","slug":"resolucao-bcb-285","status":"publish","type":"post","link":"https:\/\/evertectrends-com.plataformasegura.nubity.com\/pt-br\/resolucao-bcb-285\/","title":{"rendered":"Resolu\u00e7\u00e3o BCB 285: qual o papel da tecnologia na atualiza\u00e7\u00e3o das regras de cons\u00f3rcios?"},"content":{"rendered":"

Diante das novas regulamenta\u00e7\u00f5es propostas para outras modalidades financeiras, j\u00e1 era esperado que o Banco Central tamb\u00e9m traria diretrizes de atualiza\u00e7\u00e3o para o cons\u00f3rcio. A <\/span>Resolu\u00e7\u00e3o BCB n\u00ba 285<\/b> foi divulgada em janeiro de 2023, consolidando regras<\/a> e estabelecendo novas exig\u00eancias para a constitui\u00e7\u00e3o e administra\u00e7\u00e3o dos grupos de cons\u00f3rcio no pa\u00eds.<\/span><\/p>\n

A <\/span>Resolu\u00e7\u00e3o BCB n\u00ba 285 <\/b>prop\u00f5e mudan\u00e7as para contratos com reda\u00e7\u00f5es mais claras, que devem trazer mais equil\u00edbrio no processo de venda de cotas e na rela\u00e7\u00e3o entre consorciados e administradoras. \u00c9 um movimento que refor\u00e7a a seguran\u00e7a e a transpar\u00eancia da modalidade e deve atrair novos investidores.<\/span><\/p>\n

Confira, a seguir, alguns dos pontos que se destacam:<\/span><\/p>\n

Revis\u00e3o e atualiza\u00e7\u00e3o das informa\u00e7\u00f5es m\u00ednimas que <\/b>devem constar nos contratos de participa\u00e7\u00e3o<\/b><\/h2>\n

– Processos e prazos a serem observados pelas partes para diversos procedimentos operacionais;\u00a0<\/span><\/p>\n

– Discrimina\u00e7\u00e3o da parcela inicial e detalhadamente, na forma de tabela, dos componentes das parcelas mensais, em valores nominais e percentuais (fundo comum, taxa de administra\u00e7\u00e3o e fundo de reserva e seguro, se houver).<\/span><\/p>\n

Cobran\u00e7a de taxa de administra\u00e7\u00e3o:<\/b> proporcional aos meses de dura\u00e7\u00e3o do plano de cons\u00f3rcio, mediante a utiliza\u00e7\u00e3o de percentual fixo.\u00a0<\/span><\/p>\n

Em caso de exclus\u00e3o do consorciado, se houve cobran\u00e7a de valor referente \u00e0 antecipa\u00e7\u00e3o de taxa que excede a import\u00e2ncia devida pelo participante (considerando, de forma proporcional, o tempo decorrido do contrato at\u00e9 o momento de sua exclus\u00e3o), deve ser devolvido no momento da contempla\u00e7\u00e3o do consorciado exclu\u00eddo.<\/span><\/p>\n

Acesso f\u00e1cil \u00e0s condi\u00e7\u00f5es contratadas: <\/b>o contrato padr\u00e3o dos grupos deve estar dispon\u00edvel no site da administradora, bem como o hist\u00f3rico de altera\u00e7\u00f5es do documento. Al\u00e9m disso, os contratos n\u00e3o precisar\u00e3o mais ser registrados em cart\u00f3rio.<\/span><\/p>\n

Mais clareza aos procedimentos de realiza\u00e7\u00e3o de assembleia do grupo<\/b>, que podem ser presenciais ou virtuais.<\/span><\/p>\n

Defini\u00e7\u00e3o do conceito de cancelamento:<\/b> o consorciado ser\u00e1 exclu\u00eddo do grupo ao deixar de pagar tr\u00eas presta\u00e7\u00f5es consecutivas. Hoje, a defini\u00e7\u00e3o do prazo de inadimpl\u00eancia est\u00e1 a crit\u00e9rio de cada administradora.<\/span><\/p>\n

Libera\u00e7\u00e3o de cr\u00e9dito ao consorciado contemplado por sorteio ou lance:<\/b> a avalia\u00e7\u00e3o de capacidade de pagamento do consorciado deve ser arquivada pela administradora e mantida \u00e0 disposi\u00e7\u00e3o do Banco Central pelo prazo m\u00ednimo de cinco anos, contados da data de encerramento do grupo de cons\u00f3rcio.\u00a0<\/span><\/p>\n

Isso inclui a documenta\u00e7\u00e3o em decorr\u00eancia de sua ades\u00e3o ou readmiss\u00e3o no grupo, da sua contempla\u00e7\u00e3o ou de transfer\u00eancia da cota.<\/span><\/p>\n

Obrigatoriedade de o consorciado manter seus dados cadastrais atualizados<\/b> junto \u00e0 administradora, mesmo que venha a desistir de participar do grupo.<\/span><\/p>\n

Como se preparar para a <\/b>Resolu\u00e7\u00e3o BCB n\u00ba 285<\/b>?<\/b><\/h2>\n

Certo \u00e9 que mudan\u00e7as, em qualquer setor, trazem \u00f4nus e b\u00f4nus. Diante do inevit\u00e1vel, \u00e9 estrat\u00e9gico escolher as ferramentas certas para o menor impacto poss\u00edvel.<\/span><\/p>\n

Na Sinqia, nosso prop\u00f3sito \u00e9 acelerar a inova\u00e7\u00e3o no mercado financeiro e, diante da Resolu\u00e7\u00e3o 285, vemos uma oportunidade. Ser\u00e1 fundamental para as administradoras terem <\/span>processos mais leves, eficientes e com gest\u00e3o de dados efetivos<\/b>, sendo a tecnologia uma forte aliada.<\/span><\/p>\n

A Sinqia realizou mudan\u00e7as significativas no ERP, que hoje atende mais de 60 players do mercado de administra\u00e7\u00e3o de cons\u00f3rcio. Como provedores de solu\u00e7\u00f5es, estamos nos <\/span>antecipando em uma for\u00e7a tarefa <\/b>para atender com agilidade e efici\u00eancia as mudan\u00e7as solicitadas pelo Banco Central.<\/span><\/p>\n

Mais que adequa\u00e7\u00e3o \u00e0 regra, nossa atualiza\u00e7\u00e3o foi estruturada para <\/span>trazer inova\u00e7\u00e3o<\/b>: <\/span>an\u00e1lise de fraudes mais estruturada, um BI de dados de dados para a gest\u00e3o das opera\u00e7\u00f5es e uso de intelig\u00eancia artificial<\/b>.<\/span><\/p>\n

O prazo para adequa\u00e7\u00e3o \u00e9 <\/span>janeiro de 2024<\/b>. As regras previstas na Resolu\u00e7\u00e3o 285 ser\u00e3o aplicadas nos grupos constitu\u00eddos a partir de ent\u00e3o, enquanto os grupos formados antes desta data seguem regidos pelas normas vigentes. At\u00e9 l\u00e1, teremos uma ferramenta ainda mais robusta para auxiliar as administradoras nesse novo momento do cons\u00f3rcio.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Diante das novas regulamenta\u00e7\u00f5es propostas para outras modalidades financeiras, j\u00e1 era esperado que o Banco Central tamb\u00e9m traria diretrizes de atualiza\u00e7\u00e3o para o cons\u00f3rcio. A Resolu\u00e7\u00e3o BCB n\u00ba 285 foi divulgada em janeiro de 2023, consolidando regras e estabelecendo novas exig\u00eancias para a constitui\u00e7\u00e3o e administra\u00e7\u00e3o dos grupos de cons\u00f3rcio no pa\u00eds. A Resolu\u00e7\u00e3o BCB […]<\/p>\n","protected":false},"author":3,"featured_media":45892,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[997],"tags":[742,161],"class_list":["post-5945","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulamentacao","tag-consorcio","tag-regulamentacao"],"yoast_head":"\nResolu\u00e7\u00e3o 285 do Bacen e papel da tecnologia no setor de cons\u00f3rcio<\/title>\n<meta name=\"description\" content=\"Resolu\u00e7\u00e3o 285 do Bacen: qual o papel da tecnologia na atualiza\u00e7\u00e3o das regras de cons\u00f3rcios?\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Resolu\u00e7\u00e3o 285 do Bacen e papel da 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