The New Desenrola — a family debt renegotiation program established by Provisional Measure 1355/2026 — has already benefited more than 1 million people with R$ 12 billion in renegotiated debts since its launch in May, Finance Minister Dario Durigan reported this Thursday (21). The program reached 1.1 million operations in 18 days of operation, according to official data. ✓
Press quotes (2)
"O Novo Desenrola renegociou cerca de R$ 12 bilhões em dívidas de famílias e contratos do Fundo de Financiamento Estudantil (Fies) desde o lançamento, disse nesta quinta-feira (21) o ministro da Fazenda, Dario Durigan. Segundo ele, as negociações beneficiaram mais de 1 milhão de pessoas."
"Medida Provisória n° 1355, de 2026 Autoria: Presidência da República Ementa: Institui o Programa Extraordinário de Reequilíbrio Financeiro das Famílias - Novo Desenrola Brasil"
The performance proportionally exceeds the previous program: the 2023 Desenrola Brasil took a year to benefit 15 million people with R$ 53.2 billion negotiated — equivalent to 0.5% of Brazilian GDP, according to Finance Ministry data. The current program maintains an average discount of 85% for cash payments (R$ 154.2 million paid on R$ 1.06 billion owed) and for refinancing with Operations Guarantee Fund backing. ✓
Press quotes (2)
"O Ministério da Fazenda (MF) considera que o Desenrola Brasil atingiu seu objetivo ao beneficiar cerca de 15 milhões de pessoas com a negociação de R$ 53,2 bilhões em dívidas, reduzindo a inadimplência entre a população que mais precisa. O valor negociado corresponde a 0,5% do Produto Interno Bruto (PIB)."
"O valor original desses débitos somava R$ 1,06 bilhão, mas caiu para R$ 154,2 milhões após os descontos aplicados nas negociações. O abatimento médio ficou em aproximadamente 85%."
MP 1355/2026, published in the Official Gazette on May 4, authorizes the use of up to 20% of FGTS balance or R$ 1,000 (whichever is greater) to settle debts in the program starting May 26. The government estimates releasing R$ 8.2 billion from FGTS and R$ 7 billion from residual anniversary withdrawals for this purpose. The program also includes 34,087 renegotiated Fies contracts (R$ 2.04 billion reduced to R$ 410.2 million) and business modalities that moved an additional R$ 5.5 billion. ✓
Press quotes (2)
"Publicada no DOU de 04/05/2026, Edição Extra A, nas páginas 1 a 3"
"até 20% do saldo disponível do FGTS; ou até R$ 1 mil, prevalecendo o maior valor. A estimativa da equipe econômica é liberar até R$ 8,2 bilhões para esse tipo de pagamento. O governo também anunciou a liberação de cerca de R$ 7 bilhões do saque-aniversário residual"
According to Durigan, the Finance Ministry is designing a new version of the program aimed at "current borrowers" — people without overdue debts. A specific rule of the current program blocks access to online betting platforms for one year for those who join the renegotiation, according to President Lula's statement at the launch. ✓
Press quotes (2)
"O Desenrola para adimplentes está sendo desenhado dentro do Ministério da Fazenda e muito em breve vamos trazer detalhes"
"Não pode renegociar a dívida e continuar perdendo dinheiro apostando em bet, afirmou o presidente Luiz Inácio Lula da Silva ao anunciar o programa"
Program benefited more than 1 million people with R$ 12 billion renegotiated
Average discount of approximately 85% for cash payments and refinancing
Covered by only some sources, or where the accounts diverge.
Covered by only some sources (2)
Quantitative comparison with previous program effectiveness (15 million people, R$ 53.2 billion, fiscal cost R$ 1.7 billion)
Detailing of doctrinal tests that MP 1355/2026 needs to pass (regulatory power, relevance-urgency, legal reserve)
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What is the specific legal foundation justifying relevance and urgency of MP 1355/2026?
Why it's still unknown: The MP invokes article 62 of the Constitution in the preamble, but no source details the specific relevance and urgency arguments presented by the government
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What is the post-renegotiation default rate of the previous program compared to expectations for the current program?
Why it's still unknown: The fiscal cost of Desenrola 2023 was R$ 1.7 billion in FGO guarantees, but there is no data on how many renegotiated and returned to default
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How will the blocking of online betting platforms be technically implemented?
Why it's still unknown: The rule was announced by the president, but no source details the operational blocking mechanism