{"id":1365,"date":"2024-08-27T07:00:00","date_gmt":"2024-08-27T10:00:00","guid":{"rendered":"https:\/\/oppens.com.br\/blog\/?p=1365"},"modified":"2024-08-02T09:11:23","modified_gmt":"2024-08-02T12:11:23","slug":"resolucao-cmn-fintechs-credito","status":"publish","type":"post","link":"https:\/\/oppens.com.br\/blog\/educacao-financeira\/resolucao-cmn-fintechs-credito\/","title":{"rendered":"Nova resolu\u00e7\u00e3o do CMN sobre Fintechs de Cr\u00e9dito"},"content":{"rendered":"\n<p>A partir de Agosto de 2024, entrou em vigor a resolu\u00e7\u00e3o CMN n\u00b0 5.159 que autoriza mudan\u00e7as significativas no funcionamento das Fintechs de Cr\u00e9dito, aumentando a sua atua\u00e7\u00e3o.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que s\u00e3o Fintechs de Cr\u00e9dito?<\/h2>\n\n\n\n<p>S\u00e3o institui\u00e7\u00f5es financeiras que concedem ou fazem interm\u00e9dio de opera\u00e7\u00f5es de cr\u00e9dito.<br>Existem dois tipos de Fintechs de Cr\u00e9dito:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SCD &#8211; Sociedades de Cr\u00e9dito Direto;<\/li>\n\n\n\n<li>SEP &#8211; Sociedades de Empr\u00e9stimo entre Pessoas, como a Oppens.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">O que muda?<\/h2>\n\n\n\n<p class=\"has-ast-global-color-7-color has-text-color has-link-color wp-elements-17c6161619f2fcbb6a88a9e24fd62c31\">Para as SCD houve a autoriza\u00e7\u00e3o de emiss\u00e3o de CCCB. O CCCB \u00e9 o Certificado de <a href=\"https:\/\/oppens.com.br\/blog\/educacao-financeira\/diferenca-entre-cdb-e-ccb\/\">C\u00e9dula de Cr\u00e9dito Banc\u00e1rio<\/a>, que hoje j\u00e1 \u00e9 emitido pela Oppens, sendo o documento que comprova o <a href=\"https:\/\/oppens.com.br\/blog\/educacao-financeira\/investimentos-em-p2p-voce-esta-por-dentro-do-assunto\/\">investimento<\/a>. Portanto, nesse ponto, n\u00e3o houve mudan\u00e7as para a Oppens.<br><br>Por\u00e9m essa n\u00e3o foi a \u00fanica mudan\u00e7a visto que voltado para as <a href=\"https:\/\/oppens.com.br\/blog\/educacao-financeira\/rascunho-automavoce-sabe-o-que-e-sep-sociedade-de-emprestimo-entre-pessoastico\/\">SEP<\/a>, o CMN autorizou a flexibiliza\u00e7\u00e3o da obriga\u00e7\u00e3o de repasse de recursos recebidos do credor diretamente para o devedor para financiamentos de bens e servi\u00e7os.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quais as vantagens?<\/h2>\n\n\n\n<p>A grande vantagem para as SEP, como a Oppens, \u00e9 a diminui\u00e7\u00e3o dos custos da opera\u00e7\u00e3o. Essa medida favorece n\u00e3o apenas pequenas e m\u00e9dias empresas que passam a contar com mais uma op\u00e7\u00e3o de financiamento, mas beneficia tamb\u00e9m os consumidores.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p class=\"has-ast-global-color-7-color has-text-color has-link-color wp-elements-7760cbc711694fdc874060753342b2ee\">Se voc\u00ea ficou interessado e quer saber mais sobre a Oppens, acesse o <a href=\"http:\/\/oppens.com.br\">nosso site<\/a> e encontre mais informa\u00e7\u00f5es sobre investimentos. N\u00f3s disponibilizamos uma calculadora de investimentos gratuita para que voc\u00ea possa fazer uma simula\u00e7\u00e3o!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A partir de Agosto de 2024, entrou em vigor a resolu\u00e7\u00e3o CMN n\u00b0 5.159 que autoriza mudan\u00e7as significativas no funcionamento [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1366,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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