Bank debts: the government will negotiate for you
Under Desenrola 3.0, the Federal Government will buy the portfolios of MEI bank debts directly from the financial institutions.
What has been announced
- About R$ 6 billion in MEI bank debts identified for the operation.
- To participate, banks must offer a minimum discount of 90% in the auctions - and the portfolios with the largest discounts take priority.
- MEI participation and the reach of the operation depend on the selected portfolios and the rules of the notice. There is no individual guarantee of settlement or removal of restrictions.
- It does not depend on Congress approval: it will be operated through an auction notice.
What the MEI needs to do now
Follow the publication of the notice on the official channels of the Ministry of Finance. The announced operation takes place between the government and the participating institutions; the procedures for the MEI depend on the final rules. Do not pay fees to third parties to guarantee participation.
Get to know TecBank's serviceYour MEI can also open a business account with TecBank
TecBank handles the opening of your business account, with service online via WhatsApp, Google Meet or in person. You can check the packages, separate the business finances and verify the receivables conditions and the credit opportunities for your company.
After the opening, we look for credit opportunities according to the company profile and the bank's analysis. The opening and the products follow the financial institution's criteria; a monthly fee waiver depends on the package and on meeting the conditions.
Open my business account with TecBank (service in Portuguese)TecBank WhatsApp: (11) 95688-2152 (service in Portuguese). Account opening service is separate from access to public programs: each program keeps its own channels, rules and deadlines.
Specific sources verified on October 29, 2026: gov.br ·
Next step for your company
Learn the steps and prepare the opening of your business account. You stay within Tecbank.
open your business account nowGuidance for opening with the responsible institution. Not a Tecbank-owned bank account nor automatic approval.