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Senate approves project to ban associative discounting through INSS

deercreekfoundation November 12, 2025
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The Senate approved this Wednesday (12/11) Bill (PL) 1,546/2024 denying direct association discounts from the salaries of retirees and pensioners of the National Institute of Social Security (INSS). It called for sanctions from President Luiz Inacio Lula da Silva (PT).

Unwarranted discounts must be refunded by the relevant entity and financial institution within 30 days of notification of the anomaly. The project also provides for the confiscation of assets from companies investigated for involvement in unfair discounting administered by INSS.

The project gained momentum in the face of the INSS party. big cityabout unfair discounts by fraudulent businesses. In April, federal police launched Operation Sem Desconte targeting Social Security leaders. In total, approximately R6 billion was diverted during 2019.

Currently, the law already allows retiree organizations and organizations to charge monthly fees directly from their benefits, as long as their members allow it. The problem is that there are actually many cases where discounts are given without proper authorization.

If credit is assigned, authorization will only be accepted by notarized deed, private document with notarized signature, qualified electronic signature, or biometrics.

Veto agreement

To unlock the vote, opposition parties and supporters of President Lula’s government agreed not to change the merits of the proposal. If so, the proposal would be returned to the House of Commons.

It was thus agreed that Mr. Lula could veto the two articles. The provisions are that INSS must repay the retirees if the union fails to meet the 30-day deadline, and that the allocated interest will be defined by the National Monetary Council.

The first suggestion came from government leader Randolph Rodríguez (PT-AP) in Congress, who argued that the decision could jeopardize the union’s accounts. The second was a request from PDT leader Mr. Weberton (Massachusetts), who agreed to remove the highlights (separate vote on the section) in light of the agreement.

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