Desenrola Brasil 3.0 - Guia

⚠️ INDEPENDENT APP — UNOFFICIAL — DOES NOT REPRESENT THE GOVERNMENT

The DESENROLA BRASIL 3.0 - GUIDE is an independent educational guide, published by Passion Stack Labs (a private company). We are NOT the Federal Government, the Ministry of Finance, the National Treasury, the Central Bank, Caixa Econômica Federal, Banco do Brasil, or any other public body, and we have no affiliation with them.

We do NOT register individuals, we do NOT check CPF numbers (Brazilian tax identification numbers), we do NOT negotiate debts, and we do NOT charge fees. The app only explains the program based on the public sources listed below.

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INFORMATION SOURCES

All app content comes from these sources (and only these):

1. Provisional Measure No. 1,393/2026 (official text, Planalto):
https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/mpv/mpv1393.htm

2. Statement of Reasons for Provisional Measure 1,393/2026 (Planalto):
https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2026/exm/exm-mp-1393-26.pdf

3. Law No. 14,690/2023 — Desenrola Law (Planalto):
https://www.planalto.gov.br/ccivil_03/_ato2023-2026/2023/lei/l14690.htm

4. Ministry of Finance — official warning about scams:
https://www.gov.br/fazenda/pt-br/assuntos/noticias/2026/agosto/alerta-anuncios-e-e-mails-falsos-sao-usados-em-golpes-contra-quem-procura-renegociar-dividas

5. National Congress — processing of the Provisional Measure 1.393/2026:
https://www.congressonacional.leg.br/materias/medidas-provisorias/-/mpv/175870

6. Senate Agency — explanation of Desenrola 3.0:
https://www12.senado.leg.br/noticias/materias/2026/09/28/desenrola-brasil-3-0-ja-esta-em-vigor-veja-como-funciona

7. Agência Brasil (EBC) — announcement of Desenrola 3.0:
https://agenciabrasil.ebc.com.br/economia/noticia/2026-09/governo-cria-terceira-fase-do-desenrola-com-compra-de-dividas-pela-uni

8. Central Bank — Registrato (free consultation of your Debts):
https://www.bcb.gov.br/cidadaniafinanceira/registrato

9. Official Gazette of the Union:

https://www.in.gov.br/

For any official procedure, use only these channels. Official government addresses end in .gov.br.

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WHAT YOU WILL FIND

✓ How Desenrola 3.0 works (purchase of debts at auction by the Union)
✓ Who can participate: amount, delay time and types of debt
✓ Timeline and what is still awaiting regulation
✓ Differences between phases 1, 2 and 3 of Desenrola
✓ Educational questionnaire about your situation
✓ Frequently asked questions, each answer with its source
✓ Anti-scam alerts: fake websites, fees and messages by WhatsApp/SMS

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WHAT THIS APP DOES NOT DO

✗ Does NOT register or enroll in the program (Desenrola 3.0 does not have registration)
✗ Does NOT check CPF (Brazilian tax ID) or government or bank databases
✗ Does NOT guarantee discounts, value, or date
✗ Does NOT charge a fee and NEVER asks for passwords or data Banking

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The app may display ads and, if you allow it, send notifications about educational updates.

Developed by Passion Stack Labs · [email protected]