Declare the BR norm classification of a loan product version
Records the carteira (Res. BCB 352/2023 art. 81) the credit booked under this product version belongs to, and optionally the modality the norm keys a rate on beyond it. Works on a version that is already active: the contracts booked on it were always in that carteira under the norm, the system simply could not name it, and until it is declared the provision engine counts and names every contract it cannot price rather than measuring it at zero. There is no automatic backfill, because guessing a carteira is guessing how much capital the institution must hold. A version may be declared ONCE: a second call is refused with 409 naming the carteira on the record, because replacing one reprices every contract ever booked under the version and posts the difference against results in a single movement. Changing a carteira means creating a new product version.
Autorizaciones
JWT bearer token issued by the identity provider.
Parámetros de ruta
Loan product version identifier.
Cuerpo
Carteira the credit booked under this version belongs to (Res. BCB 352/2023 art. 81). Consignado, CDC and cartão rotativo sem garantia are C5 (art. 81, V, a); PJ capital de giro sem garantia is C4 (art. 81, IV, a). Where more than one carteira fits, art. 81 §1º takes the one giving the lower provision for an asset defaulted less than one month.
C1, C2, C3, C4, C5 "C5"
Optional refinement the norm keys a rate on beyond the carteira. 'consignado' selects the art. 78 §6º carve-out (Res. BCB 397/2024): payroll-deducted personal credit at up to fourteen days provisions at 0,5% instead of C5's 1,9%.
consignado "consignado"

