Regulatory Compliance
Meeting the highest standards of financial and legal compliance in Brazil and the United States
At Banc Title & Escrow Services, compliance is not just a requirement—it is the foundation of trust that enables secure international transactions. We maintain rigorous adherence to all applicable regulations in both Brazil and the United States.
Brazilian Regulatory Compliance
LGPD - Lei Geral de Proteção de Dados
Full compliance with Brazil's comprehensive data protection law, ensuring all personal data is collected, processed, and stored with proper legal basis and security measures.
ANPD - Autoridade Nacional de Proteção de Dados
Visit Website →BACEN - Banco Central do Brasil
Adherence to Central Bank regulations for foreign capital transactions (RDE-IED), PTAX exchange rate protocols, and international fund transfer requirements.
Banco Central do Brasil
Visit Website →COAF - Conselho de Controle de Atividades Financeiras
Anti-money laundering (AML) compliance including transaction monitoring, suspicious activity reporting, and customer due diligence.
Ministério da Economia
Visit Website →Receita Federal do Brasil
Tax compliance for international transactions, CPF requirements for foreign buyers, and DCTF reporting obligations.
Receita Federal
Visit Website →Lei de Registros Públicos (Lei 6.015/73)
Compliance with property registration laws and coordination with cartórios de registro de imóveis.
Brazilian Civil Law
CNJ Provimento nº 197/2025
Adherence to notarial escrow account regulations and proper handling of funds through licensed cartórios.
Conselho Nacional de Justiça
Visit Website →United States Regulatory Compliance
TCPA - Telephone Consumer Protection Act
Full compliance with regulations governing telephone and text message communications, including prior express consent requirements and opt-out mechanisms.
Federal Communications Commission (FCC)
Visit Website →A2P 10DLC Messaging Regulations
Registration and compliance with Application-to-Person 10-Digit Long Code messaging standards for business SMS communications.
CTIA & Carrier Networks
CAN-SPAM Act
Compliance with commercial email regulations, including clear identification, opt-out mechanisms, and accurate header information.
Federal Trade Commission (FTC)
Visit Website →OFAC - Office of Foreign Assets Control
Sanctions screening and compliance for international transactions involving U.S. persons or U.S.-based funds.
U.S. Department of Treasury
Visit Website →BSA/AML - Bank Secrecy Act
Anti-money laundering program implementation, customer identification program (CIP), and suspicious activity reporting (SAR).
FinCEN - Financial Crimes Enforcement Network
Visit Website →RESPA - Real Estate Settlement Procedures Act
Disclosure requirements and consumer protection standards for real estate transactions involving U.S. parties.
Consumer Financial Protection Bureau (CFPB)
Visit Website →Operational Compliance Standards
Know Your Customer (KYC)
Comprehensive identity verification for all transaction parties, including document authentication, beneficial ownership determination, and risk assessment.
International Best Practices
Enhanced Due Diligence (EDD)
Additional scrutiny for high-value transactions, politically exposed persons (PEPs), and transactions involving high-risk jurisdictions.
FATF Recommendations
Data Security Standards
Implementation of encryption, access controls, secure data storage, and regular security audits to protect client information.
Industry Best Practices
Transaction Monitoring
Ongoing monitoring of escrow accounts and transaction patterns to detect unusual or suspicious activity.
AML/CFT Standards
Record Retention
Maintenance of transaction records, identity documents, and correspondence for minimum required periods (5-10 years).
Brazilian & U.S. Law
Professional Licensing
All operations conducted through properly licensed professionals including attorneys, notaries, and registered agents.
OAB Brasil & State Bar Associations
Reporting & Transparency
We maintain transparent relationships with regulatory authorities and promptly report as required by law:
- Suspicious activity reports (SARs) to COAF and FinCEN
- Large cash transaction reports as required
- RDE-IED registration for foreign investment transactions
- DCTF tax reporting to Receita Federal
- Data breach notifications to ANPD and affected parties
- Court-ordered disclosures and legal process compliance
Compliance Training & Culture
Our entire team receives ongoing training in:
- Anti-money laundering and counter-terrorism financing
- Data protection and privacy requirements (LGPD & US laws)
- Sanctions screening and OFAC compliance
- Customer due diligence procedures
- Fraud detection and prevention
- Regulatory updates and changes in applicable law
Compliance Inquiries
For questions about our compliance programs or to report concerns:
Phone
[Compliance Hotline]
All compliance inquiries are treated with strict confidentiality and are reviewed by our Chief Compliance Officer.