The Federal Government of Brazil has intensified its ongoing multi-agency campaign against unauthorized interactive wagering networks following the formal approval of Bill No. 4.044/2025 by the Finance and Taxation Committee of the Chamber of Deputies.
The proposed piece of legislation structures a sweeping Legal Framework for Combating the Illegal Gaming and Betting Market while executing core statutory modifications to Law No. 14.790/2023, which governs national fixed-odds operations.
Mandatory Anti-Fraud Systems and Enhanced Due Diligence
The framework was originally presented to the lower house of parliament in August 2025 by Deputies Paulo Litro, Raimundo Santos, and Merlong Solano. Deputy Laura Carneiro serves as the lead rapporteur for the bill, guiding it through its recent committee clearance. The legislative expansion marks the next logical step in the territory’s financial defense strategy, operating alongside past regulatory tools including Law No. 15.358/2026 (the Jungmann Law) and Anatel Resolution No. 569/2026.
A central pillar of the newly approved framework imposes rigid operational mandates on banks, payment gateways, and licensed FinTech corporations. Under the updated rules, all financial organizations authorized by the Central Bank of Brazil must execute enhanced due diligence protocols to intercept illegal transactions routed to unlicensed operators. Financial institutions must compile and submit highly detailed monthly data reports.
These comprehensive monthly auditing disclosures must detail total aggregated gambling transaction volumes, the exact number of active bank accounts interacting with wagering portals, internal corporate tracking controls, and granular logs of all blocked or rejected transfers.
Furthermore, payment institutions will be hard-coded directly into centralized electronic fraud-monitoring systems to enable real-time information sharing. The Ministry of Finance will maintain a live, public database mapping illegal operators, allowing financial software to cross-reference data feeds automatically.
Pix Payment Infrastructure Restrictions and Geolocation Filtering
The bill heavily expands state control over the country’s prominent instant payment layer, Pix. It mandates the creation of specialized transaction categories reserved solely for authorized gambling operators, backed by automated filters using custom business activity codes and registered Pix keys. The customer-facing banking interfaces must display distinct tracking labels for gambling transactions, which connect straight to localized risk-management databases and the national player self-exclusion registry.
Simultaneously, the bill completely outlaws all forms of technical, commercial, or operational partnerships between banking entities and black-market platforms, specifically banning the provision of Banking-as-a-Service (BaaS) frameworks, payment gateways, and sub-acquiring layers to unlicensed platforms. To enforce web blocks, the National Telecommunications Agency (Anatel) receives expanded statutory powers to take down digital assets in direct coordination with the Ministry of Finance, deploying a mix of DNS blocking, IP address tracking, SNI filtering, and automated mirror site detection systems.
The text introduces heavy criminal offenses to deter illicit actors under Brazilian law. Operating an unapproved fixed-odds wagering platform, funding illegal betting networks, executing transfers between players and grey-market domains, or distributing unauthorized gambling promotions can trigger direct terms of imprisonment alongside severe financial fines.
The bill establishes distinct aggravating parameters for repeat offenders, corporate syndicates, the use of VPN anonymity tools, offshore operations, advertising targeting minors, or utilizing digital influencers to bypass promotional bans. The Ministry of Finance also secures the right to demand geolocation-based blocking to prevent users residing abroad or utilizing masking technologies from reaching local applications. Following this initial committee clearance, Bill No. 4.044/2025 advances to the Constitution and Justice Committee for constitutional review before heading to a full plenary vote in the Chamber of Deputies and subsequent transmission to the Federal Senate.
