---
agentTools:
  projectIndex: https://dev.fitbank.com.br/llms.txt
---

# BC Protege +

# Overview

## What is BC Protege+?

BC Protege+ is a free service provided by the Central Bank that allows individuals and companies to notify the financial system of their desire not to open new accounts or be included as representatives in third-party accounts.

* The citizen can activate or deactivate the protection at any time, with immediate effect, using the gov.br platform.
* Financial institutions are required to check the system before proceeding with account openings or adding representatives.

## When will it be consulted?

The BC Protege+ system will be consulted in the following situations:

* When opening accounts (individuals and companies);
* When adding new account holders or representatives to existing accounts;
* In critical data changes (e.g., change of CPF/CNPJ);
* During account registration (final activation).

<br />

# Scope and Applicability

<br />

[block:parameters]
{
  "data": {
    "h-0": "**Use Case (Action)**",
    "h-1": "**Scenario**",
    "h-2": "**Where it appears**",
    "h-3": "**Returned Message**",
    "0-0": "**Protege+ active**",
    "0-1": "Create account (individual or company)  \nIndividual or company has Protege+ active",
    "0-2": "Webhook UpdatePersonCondition [\\<https://dev.fitbank.com.br/docs/account-opening-methods>](https://dev.fitbank.com.br/docs/8-webhooks)",
    "0-3": "Account creation blocked –  \nNegado por restrição no BC Protege+. Oriente o usuário a rever o(s) CPF/CNPJ {0} e somente envie uma nova solicitação após revisão",
    "1-0": "**Protege+ active**",
    "1-1": "Update person’s data  \nPerson has Protege+ active and data update is performed",
    "1-2": "Webhook UpdatePersonCondition  \n<https://dev.fitbank.com.br/docs/8-webhooks>",
    "1-3": "Update denied – CPF/CNPJ has active protection in BC Protege+  \nNegado por restrição no BC Protege+. Oriente o usuário a rever o(s) CPF/CNPJ {0} e somente envie uma nova solicitação após revisão",
    "2-0": "**Protege+ active**",
    "2-1": "Add signatory  \nSignatory has Protege+ active",
    "2-2": "Webhook Signatary  \n[\\<https://dev.fitbank.com.br/docs/signatory-management>](https://dev.fitbank.com.br/docs/signatory-management)",
    "2-3": "Signatory addition not allowed – Negado por restrição no BC Protege+. Oriente o usuário a rever o(s) CPF/CNPJ {0} e somente envie uma nova solicitação após revisão",
    "3-0": "**Protege+ active**",
    "3-1": "Unblock account",
    "3-2": "New account or updated account blocked due to person or signatory with Protege+ active  \n<https://dev.fitbank.com.br/docs/account-unblocking>  \n  \nIf the addsigner was used to include a signer, then for a new query and account unlocking, the addsigner must be called again for the signer with the block.  \n<https://dev.fitbank.com.br/docs/signatory-management>",
    "3-3": ""
  },
  "cols": 4,
  "rows": 4,
  "align": [
    null,
    null,
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    null
  ]
}
[/block]