{"id":1583,"date":"2025-09-17T00:00:00","date_gmt":"2025-09-17T03:00:00","guid":{"rendered":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/cadoc-3040-alteracoes-normativas-bcb-659\/"},"modified":"2026-02-10T16:21:06","modified_gmt":"2026-02-10T19:21:06","slug":"cadoc-3040-alteracoes-normativas-bcb-659","status":"publish","type":"post","link":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/","title":{"rendered":"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Profissionais da \u00e1rea cont\u00e1bil e de compliance em institui\u00e7\u00f5es reguladas pelo Banco Central (BACEN) e pelo Conselho Monet\u00e1rio Nacional (CMN) devem estar atentos: o <strong>CADOC 3040<\/strong>, documento essencial para o reporte de dados de garantias de opera\u00e7\u00f5es de cr\u00e9dito, passar\u00e1 por mudan\u00e7as significativas.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As altera\u00e7\u00f5es, introduzidas pela <strong>Instru\u00e7\u00e3o Normativa BCB n\u00ba 659\/25<\/strong>, s\u00e3o uma resposta direta \u00e0 evolu\u00e7\u00e3o regulat\u00f3ria, especialmente \u00e0s Resolu\u00e7\u00f5es CMN 4966 e BCB 352. A estrutura atual do documento j\u00e1 n\u00e3o atende plenamente \u00e0s novas exig\u00eancias de monitoramento de perdas esperadas e de tratamento de instrumentos financeiros.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neste artigo, detalhamos os principais pontos de aten\u00e7\u00e3o para que voc\u00ea e sua equipe possam se preparar adequadamente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Por que o CADOC 3040 est\u00e1 mudando?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A necessidade de atualiza\u00e7\u00e3o do <strong>CADOC 3040<\/strong> surge de duas lacunas principais na estrutura vigente:<\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li><strong>Defasagem frente \u00e0s Novas Normas:<\/strong> A regulamenta\u00e7\u00e3o sobre Instrumentos Financeiros (IFRS 9, no contexto internacional) exige uma an\u00e1lise mais detalhada das perdas de cr\u00e9dito esperadas. O leiaute atual do <strong>CADOC 3040<\/strong> \u00e9 insuficiente para capturar os dados necess\u00e1rios para esse monitoramento com a granularidade exigida.<\/li>\n\n\n\n<li><strong>Aus\u00eancia de Informa\u00e7\u00f5es sobre Garantias Compartilhadas:<\/strong> O sistema atual n\u00e3o possui campos para informar o compartilhamento de garantias, o que impede o c\u00e1lculo preciso da cobertura e do risco real das opera\u00e7\u00f5es de cr\u00e9dito.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">A IN BCB 659\/25 foi criada para solucionar exatamente essas quest\u00f5es, modernizando o reporte e alinhando-o \u00e0s melhores pr\u00e1ticas de gest\u00e3o de risco.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">As Principais Mudan\u00e7as no Leiaute do Documento 3040<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As novas vers\u00f5es do leiaute e das instru\u00e7\u00f5es de preenchimento entram em vigor a partir da <strong>data-base de maio de 2026<\/strong>. \u00c9 fundamental que as institui\u00e7\u00f5es iniciem o planejamento para adequar seus sistemas e processos.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Altera\u00e7\u00f5es na Aba \u201cDoc 3040\u201d<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">O leiaute principal do documento ser\u00e1 enriquecido com novos campos e ajustes em denomina\u00e7\u00f5es existentes. As inclus\u00f5es mais importantes s\u00e3o:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Situa\u00e7\u00e3o da Garantia:<\/strong> Para classificar o status atual da garantia (e.g., ativa, executada).<\/li>\n\n\n\n<li><strong>Tipo de Valor da Garantia:<\/strong> Para diferenciar o m\u00e9todo de avalia\u00e7\u00e3o do valor reportado.<\/li>\n\n\n\n<li><strong>Percentual Reavaliado da Garantia na Data de Reavalia\u00e7\u00e3o:<\/strong> Um campo crucial para o acompanhamento do valor justo dos ativos.<\/li>\n\n\n\n<li><strong>Compartilhamento da Garantia:<\/strong> O campo que vem para solucionar a lacuna sobre garantias compartilhadas entre diferentes opera\u00e7\u00f5es ou institui\u00e7\u00f5es.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Atualiza\u00e7\u00f5es nos Anexos e Instru\u00e7\u00f5es de Preenchimento<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Para suportar as mudan\u00e7as no leiaute, os anexos do <strong>CADOC 3040<\/strong> tamb\u00e9m foram revisados:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Novos Anexos:<\/strong> Ser\u00e3o criados anexos espec\u00edficos para detalhar os dom\u00ednios dos novos campos: \u201cSitua\u00e7\u00e3o da Garantia\u201d, \u201cTipo Valor da Garantia\u201d e \u201cCompartilhamento de Garantia\u201d.<\/li>\n\n\n\n<li><strong>Ajustes Gerais:<\/strong> Diversos dom\u00ednios e subdom\u00ednios foram renomeados, inclu\u00eddos ou exclu\u00eddos para maior clareza e precis\u00e3o.<\/li>\n\n\n\n<li><strong>Cap\u00edtulo D (Informa\u00e7\u00f5es da Opera\u00e7\u00e3o):<\/strong> As instru\u00e7\u00f5es de preenchimento foram revisadas para refletir as novas exig\u00eancias, com orienta\u00e7\u00f5es atualizadas sobre informa\u00e7\u00f5es b\u00e1sicas da opera\u00e7\u00e3o, dados de garantias e descontinua\u00e7\u00e3o de itens obsoletos.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Como se Preparar para as Novas Exig\u00eancias do CADOC 3040?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A adapta\u00e7\u00e3o a mudan\u00e7as regulat\u00f3rias complexas como esta exige conhecimento t\u00e9cnico e vis\u00e3o estrat\u00e9gica. Ignorar o prazo de <strong>maio de 2026<\/strong> pode resultar em inconformidades, retrabalho e riscos operacionais para a sua institui\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A melhor forma de se preparar \u00e9 investindo em capacita\u00e7\u00e3o de alta qualidade. Na FBM Educa\u00e7\u00e3o, contamos com os melhores instrutores do mercado, profissionais que unem a experi\u00eancia pr\u00e1tica do dia a dia com metodologias de aprendizagem eficazes. <sup><\/sup>Nossos cursos nas \u00e1reas de<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contabilidade (COSIF\/IFRS)<\/strong> e <strong>Riscos e Compliance<\/strong> <sup><\/sup><sup><\/sup><sup><\/sup><sup><\/sup> s\u00e3o desenhados para alavancar sua carreira e garantir que sua equipe esteja sempre \u00e0 frente das exig\u00eancias do mercado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e3o espere o prazo final se aproximar. Garanta que sua equipe domine as novas regras do <strong>CADOC 3040<\/strong> e transforme um desafio regulat\u00f3rio em uma vantagem competitiva.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Escrito pelo <a href=\"https:\/\/www.linkedin.com\/pulse\/cooperativas-de-cr%25C3%25A9dito-demonstra%25C3%25A7%25C3%25B5es-cont%25C3%25A1beis-2024-hora-ohftf\">Samy Sayed<\/a>, Doutor, Mestre e Bacharel em Ci\u00eancia Cont\u00e1beis pela FEA-USP, FSA Credential (L1) &#8211; IFRS Foundation<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\">Conhe\u00e7a nosso curso de Especialista em CADOCs<\/h2>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-3e41869c wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/ao-vivo\/especialista-em-cadocs\/\">Especialista em CADOCs<\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">O que mais voc\u00ea gostaria de explorar sobre as novas regulamenta\u00e7\u00f5es do BACEN ou outras tend\u00eancias no mercado financeiro para desenvolvermos em nosso pr\u00f3ximo conte\u00fado?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Profissionais da \u00e1rea cont\u00e1bil e de compliance em institui\u00e7\u00f5es reguladas pelo Banco Central (BACEN) e pelo Conselho Monet\u00e1rio Nacional (CMN) devem estar atentos: o CADOC 3040, documento essencial para o reporte de dados de garantias de opera\u00e7\u00f5es de cr\u00e9dito, passar\u00e1 por mudan\u00e7as significativas. As altera\u00e7\u00f5es, introduzidas pela Instru\u00e7\u00e3o Normativa BCB n\u00ba 659\/25, s\u00e3o uma resposta [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":1612,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[74,72],"tags":[],"formato_blog":[],"nivel_blog":[],"class_list":["post-1583","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bacen-gaap","category-especialista"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659 - FBM Educa\u00e7\u00e3o<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659 - FBM Educa\u00e7\u00e3o\" \/>\n<meta property=\"og:description\" content=\"Profissionais da \u00e1rea cont\u00e1bil e de compliance em institui\u00e7\u00f5es reguladas pelo Banco Central (BACEN) e pelo Conselho Monet\u00e1rio Nacional (CMN) devem estar atentos: o CADOC 3040, documento essencial para o reporte de dados de garantias de opera\u00e7\u00f5es de cr\u00e9dito, passar\u00e1 por mudan\u00e7as significativas. As altera\u00e7\u00f5es, introduzidas pela Instru\u00e7\u00e3o Normativa BCB n\u00ba 659\/25, s\u00e3o uma resposta [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/\" \/>\n<meta property=\"og:site_name\" content=\"FBM Educa\u00e7\u00e3o\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/fbmeducacao\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-17T03:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-10T19:21:06+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/dev.weboption.com.br\/fbmnew\/wp-content\/uploads\/2026\/01\/CADOC-3040.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1120\" \/>\n\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"FBM Educa\u00e7\u00e3o\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"FBM Educa\u00e7\u00e3o\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. tempo de leitura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/\"},\"author\":{\"name\":\"FBM Educa\u00e7\u00e3o\",\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/#\\\/schema\\\/person\\\/278502d34501f78cbb5eb6b0e15b87b2\"},\"headline\":\"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659\",\"datePublished\":\"2025-09-17T03:00:00+00:00\",\"dateModified\":\"2026-02-10T19:21:06+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/\"},\"wordCount\":732,\"publisher\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/CADOC-3040.jpg\",\"articleSection\":[\"BACEN-GAAP\",\"Especialista\"],\"inLanguage\":\"pt-BR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/\",\"url\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/\",\"name\":\"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659 - FBM Educa\u00e7\u00e3o\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/CADOC-3040.jpg\",\"datePublished\":\"2025-09-17T03:00:00+00:00\",\"dateModified\":\"2026-02-10T19:21:06+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/#breadcrumb\"},\"inLanguage\":\"pt-BR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/#primaryimage\",\"url\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/CADOC-3040.jpg\",\"contentUrl\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/wp-content\\\/uploads\\\/2026\\\/01\\\/CADOC-3040.jpg\",\"width\":1120,\"height\":630},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/cadoc-3040-alteracoes-normativas-bcb-659\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"In\u00edcio\",\"item\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/#website\",\"url\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/\",\"name\":\"FBM Educa\u00e7\u00e3o\",\"description\":\"Cursos pr\u00e1ticos para quem quer se destacar no mercado financeiro\",\"publisher\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"pt-BR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/#organization\",\"name\":\"FBM Educa\u00e7\u00e3o\",\"url\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"pt-BR\",\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/fbm-educacao-logotipo-cor.png\",\"contentUrl\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/wp-content\\\/uploads\\\/2025\\\/09\\\/fbm-educacao-logotipo-cor.png\",\"width\":1920,\"height\":1100,\"caption\":\"FBM Educa\u00e7\u00e3o\"},\"image\":{\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/fbmeducacao\",\"https:\\\/\\\/www.instagram.com\\\/fbm_educacao\\\/\",\"https:\\\/\\\/www.youtube.com\\\/@fbmeducacao\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/fbmeducacao\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/#\\\/schema\\\/person\\\/278502d34501f78cbb5eb6b0e15b87b2\",\"name\":\"FBM Educa\u00e7\u00e3o\",\"url\":\"https:\\\/\\\/fbm-escola-de-negocios-ltda.homolog.vime.digital\\\/fbm-escola-de-negocios-ltda\\\/blog\\\/author\\\/fbm\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659 - FBM Educa\u00e7\u00e3o","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/","og_locale":"pt_BR","og_type":"article","og_title":"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659 - FBM Educa\u00e7\u00e3o","og_description":"Profissionais da \u00e1rea cont\u00e1bil e de compliance em institui\u00e7\u00f5es reguladas pelo Banco Central (BACEN) e pelo Conselho Monet\u00e1rio Nacional (CMN) devem estar atentos: o CADOC 3040, documento essencial para o reporte de dados de garantias de opera\u00e7\u00f5es de cr\u00e9dito, passar\u00e1 por mudan\u00e7as significativas. As altera\u00e7\u00f5es, introduzidas pela Instru\u00e7\u00e3o Normativa BCB n\u00ba 659\/25, s\u00e3o uma resposta [&hellip;]","og_url":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/","og_site_name":"FBM Educa\u00e7\u00e3o","article_publisher":"https:\/\/www.facebook.com\/fbmeducacao","article_published_time":"2025-09-17T03:00:00+00:00","article_modified_time":"2026-02-10T19:21:06+00:00","og_image":[{"width":1120,"height":630,"url":"https:\/\/dev.weboption.com.br\/fbmnew\/wp-content\/uploads\/2026\/01\/CADOC-3040.jpg","type":"image\/jpeg"}],"author":"FBM Educa\u00e7\u00e3o","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"FBM Educa\u00e7\u00e3o","Est. tempo de leitura":"4 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/#article","isPartOf":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/"},"author":{"name":"FBM Educa\u00e7\u00e3o","@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/#\/schema\/person\/278502d34501f78cbb5eb6b0e15b87b2"},"headline":"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659","datePublished":"2025-09-17T03:00:00+00:00","dateModified":"2026-02-10T19:21:06+00:00","mainEntityOfPage":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/"},"wordCount":732,"publisher":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/#organization"},"image":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/#primaryimage"},"thumbnailUrl":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-content\/uploads\/2026\/01\/CADOC-3040.jpg","articleSection":["BACEN-GAAP","Especialista"],"inLanguage":"pt-BR"},{"@type":"WebPage","@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/","url":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/","name":"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659 - FBM Educa\u00e7\u00e3o","isPartOf":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/#website"},"primaryImageOfPage":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/#primaryimage"},"image":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/#primaryimage"},"thumbnailUrl":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-content\/uploads\/2026\/01\/CADOC-3040.jpg","datePublished":"2025-09-17T03:00:00+00:00","dateModified":"2026-02-10T19:21:06+00:00","breadcrumb":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/#breadcrumb"},"inLanguage":"pt-BR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/"]}]},{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/#primaryimage","url":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-content\/uploads\/2026\/01\/CADOC-3040.jpg","contentUrl":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-content\/uploads\/2026\/01\/CADOC-3040.jpg","width":1120,"height":630},{"@type":"BreadcrumbList","@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/cadoc-3040-alteracoes-normativas-bcb-659\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"In\u00edcio","item":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/"},{"@type":"ListItem","position":2,"name":"CADOC 3040: Guia Completo das Altera\u00e7\u00f5es da Instru\u00e7\u00e3o Normativa BCB n\u00ba 659"}]},{"@type":"WebSite","@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/#website","url":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/","name":"FBM Educa\u00e7\u00e3o","description":"Cursos pr\u00e1ticos para quem quer se destacar no mercado financeiro","publisher":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"pt-BR"},{"@type":"Organization","@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/#organization","name":"FBM Educa\u00e7\u00e3o","url":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/","logo":{"@type":"ImageObject","inLanguage":"pt-BR","@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/#\/schema\/logo\/image\/","url":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-content\/uploads\/2025\/09\/fbm-educacao-logotipo-cor.png","contentUrl":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-content\/uploads\/2025\/09\/fbm-educacao-logotipo-cor.png","width":1920,"height":1100,"caption":"FBM Educa\u00e7\u00e3o"},"image":{"@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/fbmeducacao","https:\/\/www.instagram.com\/fbm_educacao\/","https:\/\/www.youtube.com\/@fbmeducacao","https:\/\/www.linkedin.com\/company\/fbmeducacao\/"]},{"@type":"Person","@id":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/#\/schema\/person\/278502d34501f78cbb5eb6b0e15b87b2","name":"FBM Educa\u00e7\u00e3o","url":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/blog\/author\/fbm\/"}]}},"_links":{"self":[{"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/posts\/1583","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/comments?post=1583"}],"version-history":[{"count":0,"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/posts\/1583\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/media\/1612"}],"wp:attachment":[{"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/media?parent=1583"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/categories?post=1583"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/tags?post=1583"},{"taxonomy":"formato_blog","embeddable":true,"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/formato_blog?post=1583"},{"taxonomy":"nivel_blog","embeddable":true,"href":"https:\/\/fbm-escola-de-negocios-ltda.homolog.vime.digital\/fbm-escola-de-negocios-ltda\/wp-json\/wp\/v2\/nivel_blog?post=1583"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}