> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lerian.studio/llms.txt
> Use this file to discover all available pages before exploring further.

# Brazil regulatory pack

> What Lender's Brazilian profile adds — CET disclosure, IOF preview, capitalization consent, PDD staging, credit descriptor, prepayment quote, CDC caps, and the business calendar.

The Brazilian **profile** layers regulated behavior on top of Lender's generic lending baseline. Everything here is reached through the BR-prefixed endpoints (`/api/v1/br/...`) and applies to loans originated under the Brazil jurisdiction. Portuguese domain terms are kept as-is, with a gloss — see [Core concepts](/en/lender/core-concepts) for the full list.

## CET — Custo Efetivo Total

***

**CET** (*Custo Efetivo Total*, total effective cost of credit) is the all-in cost disclosed to the borrower — interest plus taxes and fees. Lender persists the CET disclosure at origination and exposes it per loan account:

`GET /api/v1/br/loan-accounts/{id}/cet-disclosure`

## IOF and tax preview

***

**IOF** (*Imposto sobre Operações Financeiras*) is the federal tax on credit operations. Preview the tax amounts a prospective operation would incur before you originate it:

`POST /api/v1/br/tax/preview`

## Capitalization consent

***

Brazilian compound-interest (*juros compostos*) capitalization requires the borrower's explicit consent. Lender records that consent as an integrity-checked ceremony: the client submits the clause text and its hash, and the server canonicalizes the text, recomputes the hash, and rejects any mismatch — so the recorded consent is provably the clause the borrower saw.

`POST /api/v1/br/loan-applications/{id}/capitalization-consents`

## PDD staging

***

**PDD** (*Provisão para Devedores Duvidosos*) is loan-loss provisioning. Each loan account sits in a PDD stage, and stage changes are tracked transitions rather than silent overwrites. A daily promotion job advances stages as loans age.

| Operation                                                  | Purpose                       |
| ---------------------------------------------------------- | ----------------------------- |
| `GET /api/v1/br/loan-accounts/{id}/pdd-stage`              | Read the current PDD stage.   |
| `POST /api/v1/br/loan-accounts/{id}/pdd-stage/transitions` | Apply a PDD stage transition. |

Delinquency (see [Portfolio and delinquency](/en/lender/portfolio-and-delinquency)) is what drives staging.

## Credit operation descriptor

***

The **credit descriptor** is the SCR-style credit-operation profile for a loan account — the regulated description of the operation.

`GET /api/v1/br/loan-accounts/{id}/credit-descriptor`

## Prepayment quote

***

Before recording a Brazilian prepayment, take a **binding quote** for the early settlement, then settle against it. The BR prepayment route mirrors the generic one and preserves the idempotency-aware handling.

| Operation                                             | Purpose                                      |
| ----------------------------------------------------- | -------------------------------------------- |
| `POST /api/v1/br/loan-accounts/{id}/prepayment-quote` | Create a prepayment quote (partial or full). |
| `POST /api/v1/br/loan-accounts/{id}/prepayments`      | Prepay the loan account (BR alias).          |

## CDC caps

***

Brazilian consumer-credit (CDC) products can carry regulatory caps — for example a late-fee ceiling. Lender **enforces caps by rejecting** a charge that would violate them, rather than silently clamping the amount, so the contract and its audit trail stay explicit about what was refused.

## Business calendar

***

Brazilian date math (accruals, schedule dates, settlement) uses a Brazilian business calendar with ANBIMA holidays and an Actual/252 day-count convention, so installment and accrual dates land on business days.

## BR products

***

Brazilian products are created and versioned through jurisdiction-aware aliases that accept the BR extensions:

* `POST /api/v1/br/loan-products`, `GET /api/v1/br/loan-products`, `GET /api/v1/br/loan-products/{id}`
* `POST /api/v1/br/loan-products/{id}/versions`, `POST /api/v1/br/loan-products/{id}/activate`

## Next steps

***

<Card title="Consignado privado" icon="brazilian-real-sign" href="/en/lender/consignado-privado" horizontal>
  The flagship Brazilian journey — payroll-deducted lending end to end.
</Card>