{"id":396432,"date":"2026-05-01T11:32:10","date_gmt":"2026-05-01T11:32:10","guid":{"rendered":"https:\/\/igamingbusiness.com\/br\/?p=396432"},"modified":"2026-05-01T11:32:11","modified_gmt":"2026-05-01T11:32:11","slug":"desenrola-brasil-travara-apostas-em-plataformas-online","status":"publish","type":"post","link":"https:\/\/igamingbusiness.com\/br\/apostas-esportivas\/desenrola-brasil-travara-apostas-em-plataformas-online\/","title":{"rendered":"Lula anuncia programa de renegocia\u00e7\u00e3o de d\u00edvidas e quem aderir n\u00e3o poder\u00e1 apostar em bets por um ano"},"content":{"rendered":"\n

O presidente Lula anunciou em rede nacional de TV<\/a> na noite desta quinta-feira (30) o Novo Desenrola Brasil. O programa do governo federal para renegociar d\u00edvidas e oferecer oportunidade de recome\u00e7o financeiro a milh\u00f5es de brasileiros, ganhou em sua nova edi\u00e7\u00e3o uma regra in\u00e9dita. Quem aderir ao Desenrola Brasil estar\u00e1 proibido de apostar nas bets.<\/p>\n\n\n\n

A l\u00f3gica por tr\u00e1s dessa medida \u00e9 clara. O governo busca garantir que os recursos destinados \u00e0 renegocia\u00e7\u00e3o de d\u00edvidas e \u00e0 recupera\u00e7\u00e3o da sa\u00fade financeira dos cidad\u00e3os n\u00e3o sejam comprometidos por comportamentos de risco, como o v\u00edcio em apostas.<\/p>\n\n\n\n

O governo vai usar o Fundo de Garantia de Opera\u00e7\u00f5es (FGO) para garantir essas renegocia\u00e7\u00f5es. Ser\u00e1 preciso fazer um aporte de at\u00e9 R$ 10 bilh\u00f5es no fundo para isso. Quem aderir ao do programa poder\u00e1 sacar at\u00e9 20% do saldo do Fundo de Garantia do Tempo de Servi\u00e7o (FGTS).<\/p>\n\n\n\n

Programa quer promover responsabilidade financeira<\/strong><\/h2>\n\n\n\n

Segundo o presidente, poder\u00e3o ser renegociadas d\u00edvidas do cart\u00e3o de cr\u00e9dito, cheque especial, do rotativo, do cr\u00e9dito pessoal e, inclusive, do Fundo de Financiamento Estudantil (Fies).<\/p>\n\n\n\n

Ao impedir que pessoas beneficiadas pelo Desenrola Brasil participem de apostas em bets, o programa refor\u00e7a seu compromisso em promover responsabilidade financeira e evitar que os participantes retornem rapidamente \u00e0 inadimpl\u00eancia.<\/p>\n\n\n\n

Quem aderir ao programa est\u00e1 impedido de fazer apostas durante um ano. Ao impor essa restri\u00e7\u00e3o, o governo tamb\u00e9m sinaliza que a reabilita\u00e7\u00e3o econ\u00f4mica est\u00e1 diretamente ligada a mudan\u00e7as comportamentais e de consumo.<\/p>\n\n\n\n

Quem aderir e n\u00e3o se afastar das apostas perder\u00e1 os benef\u00edcios e voltar\u00e1 ao cadastro de inadimplentes<\/strong><\/h2>\n\n\n\n

Na pr\u00e1tica, a restri\u00e7\u00e3o funciona como um \u201ctermo de compromisso\u201d que precisa ser aceito pelo cidad\u00e3o ao aderir ao Novo Desenrola Brasil. Quem for flagrado realizando apostas em bets, mesmo ap\u00f3s renegociar suas d\u00edvidas, poder\u00e1 ser penalizado com a perda dos benef\u00edcios do programa. Isso inclui o cancelamento de acordos e at\u00e9 a reinclus\u00e3o das d\u00edvidas em cadastros de inadimplentes. Essa medida visa criar um ambiente de disciplina e responsabilidade, incentivando o uso consciente dos recursos financeiros.<\/p>\n\n\n\n

Outra justificativa para a proibi\u00e7\u00e3o est\u00e1 relacionada \u00e0 prote\u00e7\u00e3o dos investimentos p\u00fablicos no Desenrola Brasil. O programa conta com subs\u00eddios e garantias do governo federal. Ou seja, utiliza recursos de toda a sociedade para promover a recupera\u00e7\u00e3o de cr\u00e9dito dos mais vulner\u00e1veis.<\/p>\n\n\n\n

Vale destacar que essa restri\u00e7\u00e3o pode servir de modelo para outras pol\u00edticas p\u00fablicas voltadas \u00e0 inclus\u00e3o financeira e ao combate ao superendividamento. Ao atrelar benef\u00edcios \u00e0 ado\u00e7\u00e3o de pr\u00e1ticas financeiras saud\u00e1veis, o governo estimula a constru\u00e7\u00e3o de uma cultura de responsabilidade e preven\u00e7\u00e3o, ao inv\u00e9s de apenas oferecer solu\u00e7\u00f5es paliativas.<\/p>\n\n\n\n

Mercado refuta apostas como raz\u00e3o para o endividamento<\/strong><\/h2>\n\n\n\n

O setor tem se manifestado contra a informa\u00e7\u00e3o de que as plataformas de apostas s\u00e3o respons\u00e1veis pelo endividamento das fam\u00edlias. A Secretaria de Pr\u00eamios e Apostas (SPA) informou que a receita bruta do setor em 2025 foi de R$ 37 bilh\u00f5es. Isso equivale a 0,46% doo consumo das fam\u00edlias.<\/p>\n\n\n\n

Em levantamento pelo site de transpar\u00eancia do governo federal, a Pay4Fun identificou que existem cerca de 27 milh\u00f5es de apostadores no Brasil. Cerca de 53% dos apostadores gastaram at\u00e9 R$ 50.<\/p>\n\n\n\n

A LCA Consultoria tamb\u00e9m divulgou que estudos realizados pela empresa apontam um gasto mensal de R$ 122 por apostador nas plataformas. Isso representa pouco mais de 3% da renda desse p\u00fablico.<\/p>\n\n\n\n

H\u00e1 tempos o presidente vem se posicionando contra as bets. Por diversas vezes afirmou que, se dependesse dele, as plataformas de apostas seriam fechadas. \u201cSe as bets causam o mal que a gente acha que causa, por que a gente n\u00e3o acaba com as bets?\u201d, indagou.<\/p>\n\n\n\n

O discurso vai al\u00e9m contra a realidade do setor. Em 2025, primeiro ano do mercado regulado, as bets contribu\u00edram com quase R$ 10 bilh\u00f5es para os cofres p\u00fablicos. Apenas no primeiro trimestre deste ano, foram mais R$ 3,4 bilh\u00f5es.<\/p>\n\n\n\n

O Novo Desenrola Brasil poder\u00e1 levar para o mercado clandestino todos aqueles que aderirem ao programa. Sem travas, continuar\u00e3o apostando. S\u00f3 que sem as prote\u00e7\u00f5es que o mercado legal oferece.<\/p>\n","protected":false},"excerpt":{"rendered":"\u201cQuem aderir ao Novo Desenrola Brasil ficar\u00e1 bloqueado por um ano em todas as plataformas de apostas online. N\u00e3o \u00e9 justo que as mulheres tenham que trabalhar ainda mais para pagar as d\u00edvidas de jogo dos maridos\u201d, disse o presidente.","protected":false},"author":3731,"featured_media":396434,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"pmpro_default_level":"","footnotes":""},"categories":[58,64,62,11369,11393,11789,56,53,11359,65,66],"tags":[12177,12167,12171,12173,12169,11257,12175,12174,9417],"company_relation":[],"content_series":[],"content_type":[102],"region":[215,210],"theme":[],"class_list":["post-396432","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-apostas-esportivas","category-apostas-esportivas-fisicas","category-apostas-esportivas-online","category-cassino-online","category-financas","category-imposto","category-jogo-responsavel","category-jogo-sustentavel","category-jogos","category-regulamentacao-de-apostas-esportivas","category-sportsbook","tag-combate-ao-superendividamento","tag-desenrola-brasil","tag-desenrola-brasil-proibe-devedor-de-apostar","tag-dividas-de-jogo","tag-endividamento-por-apostas","tag-presidente-lula","tag-renegociacao-de-dividas","tag-saude-financeira-da-populacao","tag-spa","content_type-noticias","region-brasil","region-latam","pmpro-has-access"],"acf":[],"yoast_head":"\nDesenrola 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