More than 1 million Brazilians have managed to renegotiate their debts through the New Desenrola Brasil — a federal program that has already moved nearly R$ 12 billion in agreements since May. Finance Minister Dario Durigan announced Thursday (21) that negotiations covered about 1.1 million operations, including credit card debts, student loans, and business financing. ✓
Press quotes (1)
"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, e cerca de 1,1 milhão de operações."
The program was established by Provisional Measure No. 1,355 of May 4, 2026, signed by the Presidency and regulated by Finance Ministry Normative Ordinance No. 1,243 the following day. The MP amends seven federal laws, including Fies, FGTS and social security benefit regulations, and has a Congressional processing deadline until July 2. ✓
Press quotes (2)
"Medida Provisória n° 1355, de 2026. Autoria: Presidência da República. Ementa: Institui o Programa Extraordinário de Reequilíbrio Financeiro das Famílias - Novo Desenrola Brasil"
"Portaria Normativa MF Nº 1.243, de 5 de maio de 2026 | Regulamenta a Medida Provisória nº 1.355, de 4 de maio de 2026"
In family renegotiations, 449,000 debts were paid in full — original value of R$ 1.06 billion that fell to R$ 154.2 million after average discounts of 85%. Another 685,500 operations were refinanced with guarantee from the Operations Guarantee Fund, reducing the stock from R$ 9 billion to R$ 1.36 billion. In the student segment, 34,087 Fies contracts were renegotiated, with original debts of R$ 2.04 billion that fell to R$ 410.2 million. ✓
Press quotes (1)
"De acordo com o Ministério da Fazenda, 449 mil dívidas foram quitadas à vista no eixo voltado às famílias. 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%."
Starting May 26, workers can use up to 20% of their FGTS balance or R$ 1,000 (whichever is greater) to pay off debts in the program. The government estimates releasing up to R$ 8.2 billion for this type of payment, plus R$ 7 billion from residual anniversary withdrawals. Durigan reported that the economic team is working on a new version aimed at current borrowers. ✓
Press quotes (1)
"O governo informou ainda que, a partir de 26 de maio, trabalhadores poderão usar recursos do Fundo de Garantia do Tempo de Serviço (FGTS) para quitar dívidas no programa."
The program renegotiated approximately R$ 12 billion in debts benefiting more than 1 million people
Covered by only some sources, or where the accounts diverge.
Covered by only some sources (1)
Program includes one-year restriction on online betting for beneficiaries
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What specific constitutional grounds were invoked in MP 1355/2026 to justify relevance and urgency?
Why it's still unknown: The obtained documentation does not include the complete preamble of the MP with detailed constitutional reasoning
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How does the R$ 12 billion volume compare to the total stock of delinquent debts in the country?
Why it's still unknown: While there is data on household debt reaching 49.7% of income, there lacks contextualization of the program's proportional impact on total delinquency
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What are the main differences between this version of New Desenrola and previous programs?
Why it's still unknown: Sources do not make detailed comparison with previous versions of the Desenrola program