This circular regulates the protection levels which financial entities should provide to their users. Commissions and additional interest charges are restricted. Additionally, entities are required to collect more documentation from clients. Entities must now be able to classify clients as debtors, correspondents, or mortgagors.
Changes in minimum requirements must be consented by all costumers, and this consent must be certified in written form through a financial contract. The circular also requires entities to communicate with clients whenever there is change in their terms of service.