Given the growing volume of bank fraud cases, the Central Bank announced the creation of a system to control the use of CPFs. From December 1, 2025, any citizen can, free and voluntary, “lock” their CPF, preventing the opening of new accounts on their behalf.
The measure aims to directly combat one of the fastest growing crimes in the country: false identity fraud in opening bank accounts.
Today, leaked data -owned scammers can open accounts on behalf of third parties to launder money, apply for fraudulent loans, or apply other blows.
With the new tool, the citizen who has no intention of opening new accounts soon, can simply leave the CPF locked. To do this, it will be enough to access the logged area of “My BC” – the Central Bank’s Service Platform – and leave this option chosen.
In 7 points: How will it work?
The system, which will be administered by the Central Bank itself, will function as a large national registry of “blocked” CPFs. Upon receiving an account opening request, banks and fintechs will be required to consult this database before completing the process. If the CPF is stuck, the opening will be prevented.
- Voluntary adhesion: No one will be required to block your CPF. The decision is 100% of the citizen.
- Access via “My BC”: Management (activation, deactivation and history consultation) will be done by the official BC platform.
- Total flexibility: Blocking can be reversed at any time without bureaucracy.
- Free: The service will not have cost to the user.
- Scope: The locking covers deposit accounts (current and savings) and prepaid payment bills.
- OBLIGATION FOR BANKS: The system consultation will be a mandatory step to be carried out in the account opening process.
- Transparency: The user will be able to see who has consulted his CPF and the history of activations/deactivations.
