PRACTICE AREA
Counsel to financial institutions, payment institutions and fintechs on licensing, change of control and compliance with Central Bank and CMN rules.
Practice Overview
We handle licensing of direct credit companies (SCD), peer-to-peer lending companies (SEP), finance companies and payment institutions, change-of-control approvals and day-to-day regulation after licensing. We work from Brasília and São Paulo, close to the regulator and to the business.
We prepare and run licensing and change-of-control filings before the Central Bank.
We support legal and compliance teams after licensing.
Core Services
Authorizations, change of control and day-to-day regulatory work before the Central Bank, from Brasília and São Paulo.
Corporate structuring, business plan, filing and follow-up through authorization.
Licensing of payment institutions and arrangement rules.
Approval of changes of control and reorganizations before the Central Bank.
Payroll lending, banking correspondents and partnership agreements.
Policies, internal controls and governance required by regulation.
Responses to inquiries, inspections and remediation plans.
Delivery Framework
Choice of licence (payment institution, SCD, SEP or finance company) and the applicable minimum capital.
Corporate structure, business plan and documentation for the authorization request.
Process follow-up, responses to requests and preparation of officers for the technical interview.
Governance, AML/CFT and periodic obligations after authorization.
Questions companies usually ask first
Contact
Tell us about your matter and timeline. One of our partners will contact you to understand your needs and propose next steps.