RMC no INSS Quanto Cada Banco Vai Ter que Devolver Para os APOSENTADOS

A retiree took out a loan of R$ 1,195 and paid R$ 11,273 to the bank in 8 years — and the debt is still not over. This is the RMC, and it's happening to thousands of retirees right now. In this video I explain what RMC and RCC are, bank by bank what is being returned (BMG, Bradesco, Itaú, Santander), what the STJ decided in March 2026 and what it will still decide, and the step-by-step process to cancel through Meu INSS and seek double reimbursement. CHAPTERS: 0:00 - Real case: R$ 1,195 debt → R$ 11,273 paid 01:30 - What is RMC and RCC (the debt that never ends) 04:00 - How to identify it on your statement 06:00 - The numbers: R$ 4.1 billion and 220,000 claims 09:00 - Bank by bank: BMG, Bradesco, Itaú, Santander 13:00 - STJ Theme 1.414: the decision that could change everything 17:00 - The new law: end of RMC in 2029 19:30 - The calculator: how much you can get back 22:00 - Step-by-step to cancel today 25:00 - The errors that harm you 27:00 - How not to fall for scams 29:00 - Recap Sources: Estadão E-Investidor | Agência Brasil | STJ | Portal Gov.br INSS | MP 1.355/2026