Amending Resolution of the Resolution Modifying the General Provisions Applicable to Credit Institutions

DOF: 31/03/2025

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

A seal with the National Emblem appears on the margin, which reads: United Mexican States.- Treasury.- Ministry of Finance and Public Credit.- National Banking and Securities Commission.

The National Banking and Securities Commission, based on articles 21, paragraphs second and third; 40, paragraph second; 52, paragraph eighth; 96 Bis, paragraph first; 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 conduct for fraud management, its 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 conduct for fraud management;

That credit institutions, derived from the results obtained during the preparation process for the implementation of the modifications mentioned in the previous paragraph, identified the need to have more time to comply with some of the obligations established in the aforementioned resolution, such as the determination of the transactional amount, the request for an additional authentication factor and the implementation at branches of privacy measures during withdrawals and other transactions at the counter, among others, and

That, in view of the foregoing, it is necessary to extend the effective date of the aforementioned modifications, in order for the institutions to be able to comply with the aforementioned obligations, therefore 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

SINGLE. - The TRANSITORY articles SECOND, fractions II and III; THIRD, fractions I, II and III; and FOURTH; are REFORMED; and a fraction IV is ADDED to TRANSITORY SECOND, 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:

"SECOND. - . . .

I. . . .

II. Until April 1, 2025, to adjust to what is established in this Resolution, with the exception of the obligations established in articles 207 and 208, first paragraph, fractions II, subsection f) and III; 287 Bis; 287 Bis 1; 339, fraction V and Annex 12-E, fraction III, subsection f) of this Resolution.

Until October 1, 2025, to have the infrastructure that allows them to comply with what is established in articles 287 Bis and 287 Bis 1 of the Resolution, as well as to comply with what is established in article 339, fraction V and in Annex 12-E, fraction III, subsection f) of this Resolution.

III. Until January 1, 2026, for said institutions or the User themselves to determine the User's Transactional Amount in those accounts, products or services that have been contracted until September 30, 2025; the foregoing, in accordance with what is established in articles 287 Bis and 287 Bis 1 of this Resolution.

In those accounts, products or services that are contracted from October 1, 2025 onwards, for the determination of the User's Transactional Amount, they will be subject to the period established in article 287 Bis and to the content of article 287 Bis 1 of this Resolution.

IV. Until July 1, 2025, to adjust to what is established in articles 207 and 208, first paragraph, fraction II, subsection f) in relation to the delivery of the regulatory report A-2701 Claims of the series R27 Claims and fraction III of this Resolution.

THIRD. - . . .

I. Until January 1, 2026, to send to the Commission the first delivery of the fraud prevention management plan.

II. Until January 1, 2026, to adjust to what is established in this Resolution, with the exception of the obligations established in articles 287 Bis; 287 Bis 1; 339, fraction V, and Annex 12-E, fraction III, subsection f) of this Resolution.

Until July 1, 2026, to have the infrastructure that allows them to comply with what is established in articles 287 Bis and 287 Bis 1 of the Resolution, as well as to comply with what is established in article 339, fraction V and in Annex 12-E, fraction III, subsection f) of this Resolution.

III. Until January 1, 2027, for said institutions or the User themselves to determine the User's Transactional Amount in those accounts, products or services that have been contracted until June 30, 2026; the foregoing, in accordance with what is established in articles 287 Bis and 287 Bis 1 of this Resolution.

In those accounts, products or services that are contracted from July 1, 2026 onwards, for the establishment of the User's Transactional Amount, they will be subject to the period established in article 287 Bis and to the content of article 287 Bis 1 of this Resolution.

FOURTH. - From January 1, 2027, Institutions will be obligated to include in the corresponding fraud prevention management plan, the evaluation referred to in article 160, fraction XV and in the last paragraph of Annex 12-E, as well as the concluded and analyzed fraud crime events, and the indicators referred to in subsection d) and e) of fraction III, and subsection d), fraction II of Annex 12-E of this Amending Resolution.

. . . "

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

Respectfully Mexico City, March 27, 2025.- President of the National Banking and Securities Commission, Dr. Jesús de la Fuente Rodríguez.- Signature.

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