New Desenrola Brasil: government launches new package for debt renegotiation.
O New Unravel Brazil It emerges as a direct — and somewhat urgent — response to the scenario of defaults that continues to stifle consumption in the country at the beginning of 2026.
Announcements
Through Provisional Measure 1,355/2026, the Federal Government relaunched the program in May, aiming for an objective that goes beyond "clearing names": it is about trying to decongest the financial flow of families.
With promises of discounts reaching 90%, the package is an aggressive attempt to bring citizens back into the formal credit market.
In this edition, the scope has been significantly expanded. We are not only talking about the end consumer, but also about individual micro-entrepreneurs (MEIs) and students suffocated by FIES installments, who have often seen their life projects paralyzed by years of debt.
With a short window of 90 days, the government strategy seems to focus on a "liquidity shock," hoping that around 25 million Brazilians will be able to renegotiate their debts and regain the ability to plan their own budget.
For those on the other side of the counter, amidst invoices and payment notices, understanding the intricacies of this new package is vital.
The program is not a one-size-fits-all "magic solution"; it requires debtors to strategize in order to choose the best offer.
Below, we detail how the program is operating in practice, the criteria for who enters the game, and the innovations that may—or may not—be pleasing to the Brazilian consumer's wallet.
Table of Contents
- Eligibility criteria and beneficiary profile
- Debt X-ray: what's on the negotiating table?
- The game of discounts: real rates and deadlines.
- FGTS and the freeze on betting: the new social barriers
- A breath of fresh air for small businesses: Unraveling Companies
- Frequently Asked Questions (FAQ)
Who can participate in the new Desenrola Brasil?
The central focus of New Unravel Brazil In 2026, the tax will fall on what is called Band 1: people with a monthly income of up to five minimum wages (approximately R$ 8,105.00 today).
This is the category where the largest volume of debts that "remain" at the end of the month is concentrated. The time criterion is also strict: debts incurred up to the end of January 2026 and that are already between three months and two years overdue.
It's a surgical cut to prevent the program from being used for very recent defaults or debts that have already expired.
However, there is a closer look at groups that are often overlooked in purely banking-related packages.
Retirees, pensioners, and family farmers now have priority access to credit channels, a belated recognition that food and medicine inflation disproportionately affects these groups.
For students, the "Desenrola Fies" program continues to be a lifeline, maintaining discounts of up to 99% for those registered in the CadÚnico (Single Registry for Social Programs) — an attempt to prevent the diploma from becoming just a debt certificate.
Businesses also got a separate chapter. The current design allows micro and small businesses with revenues of up to R$ 4.8 million to exchange extortionate short-term interest rates for longer and more manageable credit lines.
The reasoning here is pragmatic: without credit, small business owners cannot replenish their stock, cannot hire, and eventually have to close their doors, generating a domino effect that the government wants to avoid at all costs.
Which debts can be renegotiated at this stage?
The menu of accepted debts in New Unravel Brazil It prioritizes what truly keeps the average Brazilian awake at night: credit card revolving debt, overdraft facilities, and personal loans.
These are the "survival" debts that snowball in just a few months.
Debts related to utility bills — electricity and water — are also included in the negotiation, provided that the utility companies have adhered to the national agreement, something that has become almost the norm due to the pressure for revenue collection on these companies.
The negotiation process is centralized. The creditor needs to be registered in the federal system for the discount to appear on the citizen's screen.
If the offer isn't on the official website, the chance of it being a scam is extremely high.
One point that often causes confusion is the automatic removal of negative credit information for negligible amounts. Debts up to R$100.00 obligate the participating bank to immediately remove the CPF (Brazilian taxpayer ID) from the defaulters' register.
This does not mean that the debt has been forgiven, but rather that it ceases to be an impediment for the person to, for example, rent a property or open a simple checking account.
It's a symbolic respite, but one with a real impact on an individual's civil life.
How do discounts and payment terms work?
The main attraction, without a doubt, is the discounts, which range between 30% and 90%. New Unravel BrazilMathematics favors those with more "mature" debts, since financial institutions prefer to receive a fraction of the value rather than maintain a full loss on their balance sheets.
Once the discount is applied, the balance can be paid in installments over up to four years. The 30-day grace period is short, which requires the borrower to have the first installment planned at the time of signing.
The interest rate was capped at 1.99% per month. For the Brazilian financial market, where credit cards are a money-destroying machine, this ceiling is almost a blessing, although caution is still required.
Those who have savings and can pay in full have the biggest advantage: they eliminate all remaining interest and penalties, ending the debt cycle without leaving any "hangover" for the following months.
It's the ideal option for those who managed to save their 13th-month salary or received some kind of bonus.
| Category | Maximum Income | Payment Terms | Interest Rate (Max) |
| Unravel Families | R$ 8,105.00 | Up to 48 months | 1,99% per month |
| Unravel Fies | Variable | Up to 150 months | Free from real interest |
| Unravel Companies | Up to R$ 4.8 million/year | Up to 96 months | Selic rate + reduced margin |
| Small Debts | N/A | One-time payment | Exemption from fines |
What are the technological innovations and limitations?
The big news in this edition is the use of FGTS (Brazilian employee severance fund) as a bargaining chip, a decision that divides economists but pleases the public.
The worker can withdraw up to 20% from the balance or a maximum of R$ 1,000.00 to settle the bill.
It's a way to use "idle" assets to stop an open wound that's draining monthly income. For many, it's the only viable way to avoid compromising grocery money with the renegotiation installment.
On the other hand, the government introduced an educational—and mandatory—measure that has generated debate: the blocking of renegotiated CPF numbers (Brazilian taxpayer ID numbers) on online betting sites. For one year, those who use the program will be prevented from placing bets.
The idea is to prevent financial relief from being gambled away in virtual casinos, a public health problem that has exploded in recent years.
This is a clear editorial stance from the government: the benefit comes with a mandate to control risky consumption.
Furthermore, the platform requires users to complete brief financial literacy modules. It may seem bureaucratic, but the idea is to address the root cause, not just the symptom.
If citizens don't understand how compound interest works, in two years they'll be back in the renegotiation queue.
The system's transparency allows for the simultaneous comparison of offers from different banks, giving consumers a power of choice they rarely have at a physical bank branch.
How can companies benefit from the package?
In the business sector, Desenrola Empresas attempts to salvage what little life remains for entrepreneurs in Brazil.
Micro-enterprises with annual revenue of up to R$ 360 thousand now have a 24-month grace period.
This interval is crucial for the business to stabilize before it starts draining cash to pay off past debts.
It's the recognition that the time frame for a company's tax ID (CNPJ) is different from the time frame for an individual tax ID (CPF); a company needs cash flow to survive.
There is also an interesting gender aspect to consider: businesses run by women have access to wider credit limits.
This policy is not only social, but also based on data showing that women entrepreneurs tend to have lower default rates, despite facing greater difficulties in obtaining loans.
The support of federal guarantee funds removes some of the fear private banks have about lending, which theoretically should make credit flow more easily.
The success of this business initiative, however, depends on the speed at which banks adopt it. The recommendation for business owners is not to wait for the bank to call.
Being proactive in seeking out official portals or your account manager is what determines who can secure the best rates before the guarantee funds reach their limits.
The 90-day period is too short, and in economics, those who arrive first usually get the cleanest water—and with lower interest rates.
+ Childcare reimbursement: why the benefit has gained importance in jobs
Final Considerations
O New Unravel Brazil This should not be seen as a benevolent pardon, but as a necessary reckoning to prevent the Brazilian economy from stagnating.
The inclusion of the FGTS (Brazilian severance pay fund) and the barrier against online gambling show that the government has learned from the mistakes of past editions, trying to shield citizens from themselves and the pitfalls of impulsive consumption.
It's an attempt to restore balance to a system that has long been tipped towards high interest rates.
The program's true effectiveness will be measured by its ability to keep these people off the negative credit registry in the coming years.
For those who are in debt, the opportunity is solid, but it requires careful reading of the intricacies of the contracts.
It's not just about clearing your name, but about rebuilding a relationship with money that isn't based on desperation.
If you need more detailed technical data or want to follow the progress of new financial laws, the website of Federal Senate It remains the primary and indispensable source.
FAQ: Frequently Asked Questions
1. Where can I access the program platform?
The official channel is the gov.br portal, but partner institutions such as Serasa and major banks also integrate their platforms with the official system to facilitate the process.
2. Is the use of FGTS (Brazilian employee severance fund) mandatory in the negotiation?
Not at all. It's an extra liquidity tool for those who have idle funds and prefer to pay off debt without touching their monthly salary.
3. What happens if I don't pay the installments of the agreement?
The agreement is broken, the discounts are reversed, and the debt reverts to its original amount (with accrued interest), resulting in a new negative entry on the CPF (Brazilian taxpayer ID).
4. Are vehicle financing debts included in the program?
No. Debts secured by real estate, such as cars and properties, have their own procedures for repossession and are not part of this specific renegotiation package.
5. Can I renegotiate debts of any amount?
For individuals, the focus is on debts up to R$ 15 thousand. Above that amount, conditions may vary according to the internal policy of each lending bank within the program.
