Clipping of news on Brazilian Culture, Law and Citizenship
04/25/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Banks should have control mechanisms to verify identities. image recognition and voice, or certification may be required.
Source: G1
The National Monetary Council (CMN) authorized individuals to open and close accounts over the Internet without the need to personally go to a bank branch, as was required so far. The information was disclosed by the Central Bank on Monday (25).
According to the BC service is optional and may already be provided by the banks since they are provided with control mechanisms to verify the identity of the customer.
The identification may be made, for example, through image recognition and voice. Banks may also request a photo, or even require the use of digital certificate.
"They have technology mechanisms that allow multiple checks in addition to personal contact," he explained the head of the Department of BC Rules, Silvia Marques. She stressed that these mechanisms may even hinder fraud.
"Today we have a customer going to an agency taking a document that may be false. You can have a single contact bringing fragility. What is allowed [to the new rule] is that you will have not only a control point, but several "he said.
Marques also stressed that banks can also check for example, how long the applicants of current accounts over the Internet have active email.
"Banks will have to establish safeguards to check. This account has the same requirements of a normal account", explained the Central Bank.
other rules
Aside from the flexibility of classroom attendance at a bank branch, all other rules for opening bank accounts remain in force, as veracity of registration status, rules on tariffs, provision of information, adequacy of financial products and services, in addition to prevention money laundering and terrorism of.
The new standard is an initiative of Optimizes BC program, which allows the expansion, "safely and efficiently", offering financial products and services to the population.
The National Monetary Council, composed of the ministers of Finance, Nelson Barbosa, Planning, Valdir Simon, and the president of the Central Bank, Alexandre Tombini also lowered standard requiring banks not to restrict client access to conventional service channels, such as, for example, ATMs.
According to the Central Bank, there are complaints that some banks do not meet holders of other financial institutions for the payment of bills. The central bank says the CMN, with this resolution, is establishing that it is prohibited.
With the new rule, it is clear that financial institutions shall not hinder or restrict access to these channels, except in two situations: when the dependencies are exclusively electronic or when the provision of billing and receiving services under contracts or agreements, foresee only electronic service channels.
CRI and CRA
Another rule approved by CMN allows banks to buy Real Estate Receivables Certificates (CRIs) and Agribusiness Receivables Certificates (CRA's) issued by securitization companies linked to them.
These securities must be subordinated class, or from the exercídio of firm underwriting the regulated institution, explained BC.
For the monetary authorities, the measure represents a further "improvement" of credit securitization standards, thus facilitating the raising of funds for real estate financing and agribusiness.
Source: G1
Source: Portal Day
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This article was translated by an automatic translation system, and was therefore not reviewed by people.