In an article in Migalhas, our lawyer Pedro Diniz da Silva Oliveira discusses Law No. 15,179, of 24 July 2025, which deals with payroll loan operations through digital systems or platforms relating to employees and self-employed workers who work in private transport of goods and people.

In summary, the rule amends Law No. 10,820/2003, which involves payroll loans, establishing new rules for contracting credit through digital systems or platforms, including the need for integration with systems for assessing the worker’s indebtedness, through eSocial – Digital Bookkeeping System for Tax, Social Security and Labour Obligations and the National Social Information Registry (CNIS).

Pedro points out, however, that in addition to the central points addressed in the new law, it is important to note the changes for financial transactions between participants and beneficiaries and Closed Supplementary Pension Entities (EFPC), especially with regard to the duty to provide information.

With the new rule, whose application is still to be regulated by the Executive Branch, pension funds are now required to report credit transactions with their participants in systems or digital platforms maintained by public operators, in accordance with regulations to be issued by the Executive Branch.

Find out more about these points and our lawyer’s detailed analysis in the full article.