Amending Resolution of the Resolution Modifying General Provisions Applicable to Credit Institutions Published on June 14, 2024

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DOF: 23/06/2025

AMENDING RESOLUTION of the "Resolution that modifies the General Provisions applicable to credit institutions, published on June 14, 2024"

A seal with the National Coat of Arms appears at the margin, which says: United Mexican States.- Treasury.- Ministry of Finance and Public Credit.- National Banking and Securities Commission.

The National Banking and Securities Commission, based on articles 52, eighth paragraph; 96 Bis, first paragraph; 98 Bis and 101 Bis of the Credit Institutions Law; as well as 4 fractions II, V, XXXVI and XXXVIII; 6; 16, fraction I and 19 of the National Banking and Securities Commission Law and,

CONSIDERING

That on June 14, 2024, the "Resolution that modifies the General Provisions applicable to credit institutions" was published in the Official Gazette of the Federation, with which the internal control of credit institutions in matters of fraud was strengthened and a legal framework was established to determine observable behaviors for fraud management, their scope and obligations, providing legal certainty to credit institutions and to the National Banking and Securities Commission itself, by having a regulatory framework that strengthens supervision in matters of prevention, detection and timely response to the presence of observable behaviors for fraud management;

That as a result of said Amending Resolution and various consultations made by institutions to this Commission, some technical aspects were identified that require adjustment in order to provide greater certainty in compliance with the new obligations;

That, it is necessary to adjust the regulatory report " A-2701 Monetary Claims " contained in Series R27 of
Annex 36, Annex 12-E " Minimum Guidelines for the Fraud Prevention Management Plan " and Annex 12-F " On the
information that institutions must make available to the User or the Commission derived from Monetary Claims " , in order for credit institutions to be able to comply with the aforementioned obligations, it has resolved to issue the following:

AMENDING RESOLUTION OF THE " RESOLUTION THAT MODIFIES THE GENERAL PROVISIONS APPLICABLE TO CREDIT INSTITUTIONS, PUBLISHED IN THE OFFICIAL GAZETTE OF THE FEDERATION ON JUNE 14, 2024 "

SOLE.- Article 207 is REFORMED, the reference to the " Series R27 Monetary Claims " and its report " A- 2701 Monetary Claims " ; in Annex 12-E, fraction II, subsection c), second paragraph; in Annex 12-F, fraction III, subsection f); article 287 Bis, third paragraph and article 287 Bis 1 and it is SUBSTITUTED from Annex 36, the " Series R27 Monetary Claims " of the Resolution that modifies the General Provisions applicable to credit institutions, published in the Official Gazette of the Federation on June 14, 2024, to read as follows:

AMENDING RESOLUTION OF THE " RESOLUTION THAT MODIFIES THE GENERAL PROVISIONS APPLICABLE TO CREDIT INSTITUTIONS, PUBLISHED IN THE OFFICIAL GAZETTE OF THE FEDERATION ON JUNE 14, 2024 "

" Article 207.-

...

Series R01 Minimum Catalog to Series R26 Information by commission agents ...

Series R27 Claims
A-2701 Claims
Series R28 Operational Risk Information to Series R36 Advance Payments and Deferred Charges ...

...

... "

" Article 287 Bis.-

...

...

Institutions must allow their Users to modify the User's Transaction Amount via Electronic Means in a non-presential manner or through signature at Bank Branches. When the modification is carried out via Electronic Means in a non-presential manner to increase the User's Transaction Amount, such modification will require at least two Authentication Factors referred to in article 310 of these provisions, which must be of different categories. Once the User's Transaction Amount is modified, it will take effect once the Institution sends an alert to the User of the modification indicated in this paragraph through instant messaging with encrypted communication protocols, telephone call or email with encrypted communication protocols, and the latter confirms the referred action. In the case that the modification to increase the User's Transaction Amount in a non-presential manner is carried out through services other than Mobile Banking, the Authentication Factors referred to in this paragraph may be substituted by a confirmation of modification through Mobile Banking services, prior to the new User's Transaction Amount taking effect.

...

...
Article 287 Bis 1.- When the amount of a Monetary Operation carried out through Internet Banking, Voice-to-Voice Telephone Banking, Audio Response Telephone Banking and Mobile Banking services is greater than the User's Transaction Amount, Institutions must request an additional Authentication Factor to those established in these provisions for the Monetary Operation in question, referred to in Article 310 of these provisions, requested or provided through instant messaging with encrypted communication protocols, telephone call or email with encrypted communication protocols. In the case that the Monetary Operation is carried out through services other than Mobile Banking, the additional Authentication Factor referred to in this paragraph may be substituted by a confirmation of celebration of the Monetary Operation through Mobile Banking services, prior to execution. "

TRANSITORY

SOLE.- This Resolution will enter into force the day following its publication in the Official Gazette of the Federation.

Respectfully

Mexico City, June 12, 2025.- President of the National Banking and Securities Commission, Dr. Jesús de la Fuente Rodríguez .- Rubric.

" Annex 12-E

Minimum Guidelines for the Fraud Prevention Management Plan

...

...

I .

..

II .

...

a) and b) ...

c)

...

The information resulting from alerting systems will form part of the evidence referred to in subsection f), fraction III of Annex 12-F of these provisions. Likewise, institutions must implement processes with the objective of protecting Users' resources when the referred alerts are presented, such as recommending to the User the change of passwords, change of Authentication Factors, if applicable, among others, whose methodology must be documented in this plan.

d) to f) ...

III .

..

...

... "

" Annex 12-F

On the information that institutions must make available to the User or the Commission derived from Monetary Claims

...

I .

..

II .

..

III .

...

a) to e) ...

f)

A summary of the alerts generated in the last 30 days prior to the date on which the unrecognized operation was performed, by the Institution's systems, associated with the User's accounts, whether or not relative to the Monetary Operation associated with the Monetary Claim. In case there are no alerts in said period, it must be stated.

g) to i) ...

IV

...

V

...

... "

" ANNEX 36

Regulatory Reports

INDEX

...

SERIES R01 MINIMUM CATALOG to SERIES R26 INFORMATION BY COMMISSION AGENTS

...

SERIES R27 CLAIMS

This series is integrated by one (1) report, whose frequency of preparation and presentation must be monthly.

REPORT

A-2701

Claims

This report requests information on User Claims derived from active operations, passive or acquiring services, specifying the transactional channel of the operation. Likewise, the report considers information regarding the data on the management of User Claims. For purposes of this report, a claim shall be understood as all those monetary operations not recognized by the User and who have communicated so to the Institution through any channel or means placed at their disposal.

CAPTURE FORMAT

Institutions will carry out the sending of information related to the A-2701 Claims report described above, by using the following capture format:

REQUESTED INFORMATION

REPORT IDENTIFIER SECTION

PERIOD

INSTITUTION KEY

REPORT

CLAIM DATA SECTION

CLAIM FILE NUMBER

CLAIM DATE

ORIGIN OF THE CLAIM

DATE OF INCIDENT

FEDERAL ENTITY WHERE THE CLAIM ORIGINATED

MUNICIPALITY OR ALCADEIA WHERE THE CLAIM ORIGINATED

CLIENT RFC

CLIENT CURP

INDIVIDUAL OR LEGAL PERSON

ACCOUNT NUMBER/CREDIT CARD NUMBER/DEBIT CARD NUMBER/TPB NUMBER

PERSON IN SITUATION OF VULNERABILITY

USER TRANSACTION AMOUNT

USE OF AUTHENTICATION FACTOR AND CATEGORY

USE OF AUTHENTICATION FACTOR AND CATEGORY WHEN EXCEEDING THE USER TRANSACTION AMOUNT

PRODUCT

IDENTIFIER OF INSTITUTION, COMMISSION AGENT OR MERCHANT WHERE THE OPERATION IS PERFORMED

ACQUIRER NAME IN CASE OF POS OPERATIONS

CHANNEL IN WHICH THE TRANSACTION WAS MADE

REASON FOR THE CLAIM

TRANSACTION WITH CONTACTLESS PAYMENT TECHNOLOGY

CLAIM AMOUNT

STATUS OF THE CLAIM

RESOLUTION DATA SECTION

RESOLUTION

RESOLUTION DATE

CAUSE OF RESOLUTION

AMOUNT CREDITED TO CLIENT

DATE OF CREDIT TO CLIENT

AMOUNT RECOVERED

MEANS BY WHICH THE AMOUNT WAS RECOVERED

LOSS FOR THE INSTITUTION

FRAUD MANAGEMENT OBSERVABLE BEHAVIOR

Institutions will report the information indicated in this series, which must comply with the validations and quality standards indicated by the Commission, adjusting to the characteristics and specifications that, for purposes of filling out and sending information, are presented in the filling instructions, which are published and updated in SITI or in that, if applicable, made known by the Commission. Once the validations and quality standards are met, SITI will generate an electronic receipt.

The information must be sent only once and will be received assuming it meets all characteristics and specifications, by virtue of which it cannot be modified and must present consistency with the various reports in which the same information is included with a different level of integration, therefore, if it does not meet the required quality and characteristics or has been presented incompletely, the obligation to present it will be considered unfulfilled and, consequently, the corresponding sanctions will be imposed in accordance with the legal provisions that apply.

SERIES R28 OPERATIONAL RISK INFORMATION to SERIES R36 ADVANCE PAYMENTS AND DEFERRED CHARGES

... "

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