The Brazilian Superintendence of Private Insurance (SUSEP) participated in the XVII Brazilian Congress of Insurance and Pensions Law in São Paulo and used the forum to outline an intensive, phased rulemaking programme in 2025 to operationalise two recently published laws affecting the insurance market. Superintendent Alessandro Octaviani highlighted Law 15.040/2024, which he linked to greater legal certainty for insurance products, and Complementary Law 213/2025, which he said opens scope for new competitors. The planned 2025 approach combines internal rounds of discussion within SUSEP, meetings with external stakeholders, and public consultations and hearings open to citizens, with Octaviani stating that SUSEP has one year to put the regulation for both laws in place. In separate panels, Director Júlia Normande Lins referenced SUSEP’s Working Group on the Insurance Access Policy and framed access as both quantitative and qualitative, including product suitability to consumer needs and more efficient claims adjustment and settlement, while Director Carlos Queiroz set out that Complementary Law 213/2025 provides for regulation of vehicle protection associations with risks managed via mutualistic property protection administrators, expands the possible activities of insurance cooperatives, and introduces changes to structural rules of the National System of Private Insurance and provisions on the treatment of non-compliance. The rulemaking roadmap foresees the transition from internal work to external engagement and then to open consultations and public hearings during 2025, as SUSEP and the National Council of Private Insurance (CNSP) develop the associated regulation with a stated focus on consumer protection and strengthened supervision of new market entrants.

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