Central Bank SCR Filing — FIDC

What it is

Normative Annex II to CVM Resolution 175 requires the FIDC administrator to send the Central Bank of Brazil's Credit Information System (SCR) a document with loan-level credit risk data for each credit operation, following the templates published by the Central Bank (art. 31, II), monthly, within 10 (ten) business days after the end of the month it refers to (art. 31, sole paragraph). The obligation comes from the CVM rule; the destination is the Central Bank. In practice these are the CADOC 3040 document, which consolidates credit operations monthly, and the CADOC 3044, which records events that change the outstanding balance. An institution exempted from the 3040 is also released from the 3044, but the exemption is requested and tracked directly with the Central Bank, and the proof must be kept on file to justify any cancellation of a CVM fine (Ofício-Circular nº 1/2026/CVM/SSE, items 27 and 28). Filing is mandatory, not an option for the administrator (item 29). The administrator must also obtain the debtor's specific, verifiable authorization to consult the SCR (art. 31, III).