Qualitative analysis reveals regulatory impacts on cooperative identity and governance in insurance cooperatives.
The present study examines the effects of Complementary Law nº 213/2025 on the preservation of the cooperative identity of insurance cooperatives, focusing on how they can distinguish themselves from traditional for-profit insurance companies. It is a qualitative, exploratory-descriptive research based on bibliographic and documentary analysis, covering legislation, resolutions from the CNSP and SUSEP, and literature related to cooperativism and the insurance market. The theoretical-empirical framework follows the principles of the International Cooperative Alliance (ICA) and Law nº 5,764 of 1971, comparing them with the provisions of Complementary Law nº 213 of 2025. The results indicate that the new regulation represents progress by providing greater legal certainty and clear rules for the sector but also generates tensions due to restrictions on autonomy, democratic participation, and the mutualist nature of cooperatives. Thus, it is concluded that a balance must be found between prudential regulation and the cooperative essence to preserve cooperative identity and strengthen the sustainability of the model. Key-words: Cooperativism, Complementary Law 213/2025, Decree-Law 73/1966, Insurance Cooperatives, Insurance Legislation.
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Loredana Di Pinto (2025) studied this question.
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