General Agreement Establishing Administrative Simplification and Improvement Actions for Procedures Before the National Banking and Securities Commission — SHCP — MX

DOF: 30/09/2026

GENERAL AGREEMENT establishing administrative simplification and improvement actions for procedures carried out before the National Banking and Securities Commission

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

The National Banking and Securities Commission, a Decentralized Administrative Body of the Ministry of Finance and Public Credit, based on what is provided in articles 25, last paragraph of the Political Constitution of the United Mexican States; 19, fraction XIV and 24 of the National Law to Eliminate Bureaucratic Procedures, as well as 4, fractions XXXVI and XXXVIII; 14; 16, fractions I and XVII of the Law of the National Banking and Securities Commission, and

CONSIDERING

That, article 25, last paragraph of the Political Constitution of the United Mexican States establishes that authorities of all levels of government must implement administrative simplification and digitalization policies for procedures and services, as well as regulatory best practices, to contribute to the development and well-being of the population;

That, articles 2, fractions VIII and IX and 6 of the National Law to Eliminate Bureaucratic Procedures provide the obligation of authorities of all levels of government to guarantee the objectives of said Law and govern their actions under principles oriented towards simplification, legal certainty, transparency, innovation, and centrality of the person;

That, the aforementioned Law provides that procedures and services may be simplified through general agreements, including the enabling of digital tools or means, the reduction of deadlines, the elimination of requirements and bureaucratic costs of any kind, and the implementation of other administrative improvement actions;

That, the National Banking and Securities Commission, a Decentralized Administrative Body of the Ministry of Finance and Public Credit, has the objective of supervising and regulating the entities comprising the Mexican financial system, as well as requiring the necessary information for the exercise of its powers, in terms of the Law, and

That, in compliance with the National Law to Eliminate Bureaucratic Procedures, the Commission considers it necessary to issue this General Agreement, to simplify processes and merge various procedures regarding technical opinions, reports, certifications, integration of internal structures, registrations, and obligations in matters of prevention of money laundering and terrorist financing, therefore it has resolved to issue the following:

GENERAL AGREEMENT ESTABLISHING ADMINISTRATIVE SIMPLIFICATION AND IMPROVEMENT ACTIONS FOR PROCEDURES CARRIED OUT BEFORE THE NATIONAL BANKING AND SECURITIES COMMISSION

ARTICLE FIRST.- The homoclave of the following procedure is updated:

No.

Procedure Name

Previous Homoclave

Updated Homoclave

Technical Opinion on AML/CFT matters.

CNBV-28-020-A

CNBV-28-020

ARTICLE SECOND.- The obligation to physically submit, where applicable, the following requirements is eliminated, without prejudice to the fact that such information must be provided through electronic forms or corresponding formats as applicable, in order to guarantee the proper processing of the procedures.

No.

Homoclave

Procedure Name

Eliminated Requirements

CNBV-19-040

Report when it is impossible for financial entities to apply the provisions in their offices, branches, agencies, subsidiaries, local offices, and establishments located abroad.

Free-form letter containing the general provisions on AML/CFT that were impossible to comply with.

Elimination of duplicate requirement records in the Citizen Single Portal for Procedures and Services:

Free-form letter containing the general provisions on AML/CFT that were impossible to comply with.

CNBV-28-005

Report when it is impossible for financial entities to apply the provisions in their offices, branches, agencies, subsidiaries, local offices, and establishments located abroad.

Free-form letter containing general provisions on the prevention of operations with funds of illicit origin and terrorist financing that were impossible to comply with in their offices, branches, agencies, and subsidiaries located abroad.

CNBV-28-020

Technical Opinion on AML/CFT matters.

Request for technical opinion.

Free-form letter stating that it has an automated system.

Free-form letter stating that it is operating.

CNBV-19-024-A

Submission of internal audit report to evaluate compliance with general provisions on the prevention of money laundering and terrorist financing.

Letter signed by the legal representative, sole administrator, or Compliance Officer submitting the Audit Report.

Letter under oath stating that it complies with the requirements set forth in guideline FOURTH, fractions III to VIII of the Guidelines for the preparation of the Audit Report to evaluate compliance with general provisions on the prevention of operations with funds of illicit origin and terrorist financing, and that the provided documentation is truthful.

CNBV-28-007

Submission of internal audit report to evaluate compliance with general provisions on the prevention of money laundering and terrorist financing.

Letter signed by the legal representative, sole administrator, or Compliance Officer submitting the Audit Report.

CNBV-2023-016-002-A

Submission of internal audit report to evaluate compliance with general provisions on the prevention of money laundering and terrorist financing.

Letter signed by the legal representative, sole administrator, or Compliance Officer submitting the Audit Report.

CNBV-2023-016-010-A

Registration in the Registry to operate as a currency exchange center or money transmitter.

Trade name under which the society will operate.

Technical Opinion.

Data of the legal representative.

Document signed by persons who directly or indirectly have or intend to have a five percent or more participation in the social capital of the Interested Party, of the Beneficial Owners of the Interested Party, as well as the spouse, concubine, or concubinary, containing, under oath, their financial situation for the last three years.

Copy of the valid certification of the Compliance Officer.

In its case, simple copy of the document accrediting it as a member of some trade association.

Copy of the registration in the Federal Taxpayer Registry.

Indication of the services it will provide.

Address of the electronic network site called internet.

10.

Organizational structure of the Interested Party.

11.

The document signed by each of the administrators, declaring under oath.

12.

Trade name or corporate name of the interested party.

CNBV-2023-016-011-A

Renewal of registration in the Registry to operate as a currency exchange center or money transmitter.

Technical opinion.

Organizational structure.

Declaration under oath.

Financial Situation.

Certificate of the Compliance Officer.

ARTICLE THIRD.- As a result of the reduction in regulatory burden, administrative simplification actions are implemented for the procedures and services listed below, to remain as follows:

No.

Homoclave

Procedure Name

Requirements

CNBV-28-020

Technical Opinion on AML/CFT matters.

Electronic form.

Official identification (INE or passport).

Proof of payment of the procedure.

Notarial power of attorney.

Compliance manual.

ARTICLE FOURTH.- Simplification actions are implemented regarding the procedures listed below:

No.

Procedure Homoclave

Procedure Name

Improvement Implemented

Requirements

CNBV-28-019-B

Certification on AML/CFT matters.

Fusion of procedures with homoclaves:

CNBV-28-019-B and CNBV-2019- 016-027-A.

To remain as: Obtaining and Renewing the Certification on AML/CFT matters.

Unified with the following homoclave:

CNBV-2026-003

Electronic form.

Valid official identification issued by Mexican authority (Voter Credential, passport, professional card, or driver's license).

In the case of foreign persons, the permanent resident card or valid passport.

Proof of payment, which must contain the payment key.

Updated Curriculum Vitae.

CNBV-2019-016-027-A

Renewal of certification on AML/CFT matters.

CNBV-19-040-A

Report when it is impossible for financial entities to apply the provisions in their offices, branches, agencies, subsidiaries, local offices, and establishments located abroad.

Fusion of procedures with homoclaves:

CNBV-19-040-A.

CNBV-28-005.

To remain as: Report when it is impossible for financial entities to apply the provisions in their offices, branches, agencies, subsidiaries, local offices, and establishments located abroad.

Unified with the following homoclave:

CNBV-19-040.

Request Form FF-CNBV- 19-040.

CNBV-28-005

Report when it is impossible for financial entities to apply the provisions in their offices, branches, agencies, subsidiaries, local offices, and establishments located abroad.

CNBV-28-007

Submission of internal audit report to evaluate compliance with general provisions on the prevention of money laundering and terrorist financing.

Fusion of procedures with homoclaves:

CNBV-28-007, CNBV-19-024-A

and CNBV-2023-016-002-A.

To remain as:

Submission of audit report to evaluate compliance with general provisions on AML/CFT matters.

Unified with the following homoclave:

CNBV-2026-004.

Form FF-CNBV-2026-004.

Audit report in pdf format.

CNBV-19-024-A

Submission of internal audit report to evaluate compliance with general provisions on the prevention of money laundering and terrorist financing.

CNBV-2023-016-002-A

Submission of internal audit report to evaluate compliance with general provisions on the prevention of money laundering and terrorist financing.

CNBV-30-001

Notice to the National Banking and Securities Commission regarding the agreement signed between a Foreign Financial Entity and a credit institution, to carry out information exchange.

Fusion of procedures with homoclaves:

CNBV-30-001 and CNBV-2019- 016-014-A.

To remain as:

Notice to the National Banking and Securities Commission regarding the agreement signed to exchange information between financial entities of the same financial group or foreign financial entities.

Unified with the following homoclave:

CNBV-2026-005.

In the case of an agreement signed between a Foreign Financial Entity and a credit institution, to carry out information exchange.

XML file containing:

The notice referred to in 62nd Bis, fraction I of the General Provisions referred to in article 115 of the Credit Institutions Law (Provisions), regarding the celebration of agreements between the Entities and Foreign Financial Entities, for the exchange of information on corporate client persons who carry out unlimited operations in US dollars in cash, always that it derives from an operation in US dollars between the Entities and Foreign Financial Entities, in the format of Annex A of the agreement by which official formats are issued for Credit Institutions to give the notices referred to in 62nd Bis and 62nd Ter of the Provisions, with the file extension " ACID " .

II.

The report referred to in 62nd Ter fraction II of the Provisions, regarding the celebration of agreements between the Entities and Foreign Financial Entities for the exchange of information on clients and users, as well as their operations, always that it derives from an operation between the Entities and Foreign Financial Entities, with the file extension " ICII " .

In the case of signing an agreement to exchange information between financial entities that are part of the same financial group.

" XML " file on the signing of the agreement referred to in the second paragraph of 62nd Sexies of the Provisions, regarding the exchange of information carried out between Entities that are part of the same Financial Group, in which they stipulate the following:

The confidential treatment that will be given to the exchanged information, and

The positions of the authorized officials to carry out the mentioned exchange.

CNBV-2019-016-014-A

Notice to the National Banking and Securities Commission regarding the signing of the agreement to exchange information between financial entities that are part of the same financial group.

CNBV-2023-016-010-A

Registration in the Registry to operate as a currency exchange center or money transmitter.

Fusion of procedures with homoclaves:

CNBV-2023-016-010-A and

CNBV-2023-016-011-A.

To remain as: Registration or renewal in the Registry to operate as a currency exchange center or money transmitter.

Unified with the following homoclave:

CNBV-2026-006

General requirements (for registration and renewal):

Request Form FF-CNBV- 2026-006.

List in " Excel " format of the physical establishments dedicated exclusively to carrying out the social object of the Interested Party.

List signed by the secretary of the board of directors or competent person, as well as document in Excel format, of persons who directly or indirectly have a participation in the social capital of the Interested Party, as well as the Beneficial Owners of the interested party.

In the case that according to the list presented in terms of this fraction it is derived the participation of corporate entities, trusts, or vehicles directly or indirectly in the social capital of the Interested Party, certified copy of the public instrument in which the constitution of said corporate entities, trusts, or vehicles is stated must also be attached.

Tax Status Certificate of persons who directly or indirectly have a participation in the social capital of the Interested Party, as well as the Beneficial Owners of the interested party.

Credit information reports containing antecedents of at least five years prior to the date of the Registration request, or when this is not possible due to being recently constituted, the years from which it was constituted; in the case that the mentioned natural persons have resided or reside outside the national territory, the equivalent documents to the Credit Information Report issued in their country of residence for the aforementioned period must be presented, from the following persons:

The administrators;

II.

Of the beneficial owners of the interested party;

III.

Of the interested party;

IV.

Of persons who intend to maintain or maintain, directly or indirectly, shares representing the social capital of the Interested Party in five percent or more, in their case.

Curriculum Vitae containing at least the following information: Hierarchical level occupied and positions held in public, private, or social entities in the last ten years, indicating the tenure in each position; Description of professional or business activities performed in the last ten years; and Hierarchical level occupied and honorary positions held in the last ten years, indicating the tenure in each position, from:

The administrators, commissioner, general manager, and executives of the two immediate lower hierarchical levels to the general manager;

II.

Of the beneficial owners of the interested party;

III.

Of persons who intend to maintain or maintain, directly or indirectly, shares representing the social capital of the Interested Party in five percent or more, in their case.

Persons who intend to maintain or maintain, directly or indirectly, shares representing the social capital of the interested party in five percent or more; and

II.

Of the beneficial owners of the Interested Party.

III.

Of the administrators of the interested party.

Letter of non-criminal antecedents issued by the State Attorney's Office of residence and the State where they have their main place of business.

In the case of persons residing in Mexico City, the letter of non-criminal antecedents will be issued by the Ministry of the Interior, through the National Security Commission; and for persons who do not reside in national territory or have not resided in national territory for a period greater than three months, instead of the mentioned letter, they must present the equivalent document to the previously mentioned one, issued in their country of residence from:

Of the beneficial owners of the interested party; and

II.

Of persons who intend to maintain or maintain, directly or indirectly, shares representing the social capital of the Interested Party in five percent or more, in their case.

III.

Of the administrators of the interested party.

CNBV-2023-016-011-A

Renewal of registration in the Registry to operate as a currency exchange center or money transmitter

Annual tax declarations of the last three fiscal years.

Of the beneficial owners of the interested party; and

II.

Of persons who intend to maintain or maintain, directly or indirectly, shares representing the social capital of the Interested Party in five percent or more, in their case.

10.

Official identification of the following persons listed:

Legal representative or attorney-in-fact,

II.

Persons who directly or indirectly have a participation in the social capital of the Interested Party, as well as the Beneficial Owners, and;

III.

Councilors, managers, or sole administrators and the secretary of the board.

11.

Certified copy of the public instrument in which the legal representation of the legal representative is stated.

12.

Proof of payment of fees, in terms of what is provided in article 29, fraction XXIX of the Federal Law of Fees.

For Registration in the Registry to operate as a currency exchange center or money transmitter additionally, it must present:

13.

Social Statutes.

14.

Tax Status Certificate of the Interested Party.

15.

Proof of address of the Interested Party.

16.

Certified copy of the public instrument in which the constitution of the Currency Exchange Center or Money Transmitter is stated.

In the case of renewal in the registry to operate as a Currency Exchange Center or Money Transmitter, the information and documentation must be presented updated according to the general requirements mentioned above.

CNBV-19-003-B

Information on the integration of internal structures.

Fusion of procedures with homoclaves:

CNBV-19-003-B and CNBV-28- 022-A

To remain as: " Notice of integration of internal structures " .

Unified with the following homoclave:

CNBV-2026-007.

Electronic form.

In the case that the Compliance Officer is revoked or appointed, it must present the following documentation:

Letter of appointment or revocation, accompanied by the corresponding minutes.

In the case of appointment of Compliance Officer, additionally it must attach:

Valid official identification.

CNBV-28-022-A

Information on the integration of internal structures.

CNBV-28-001-A

Submit the compliance manual.

Fusion of procedures with homoclaves:

CNBV-28-001-A,

CNBV-19-001- A and CNBV-2023-016-003-A.

To remain as:

Notice of the submission of the Compliance Manual and its modifications.

Unified with the following homoclave:

CNBV-2026-008

Compliance Manual or its modifications. Submission through the SITI AML/CFT Portal.

CNBV-19-001-A

Submit the compliance manual.

CNBV-2023-016-003-A

Compliance manual.

ARTICLE FIFTH.- Request Forms are established for the procedures derived from the simplification, improvement, and elimination of requirements contained in this agreement, which are integrated as indicated below.

No.

Form Homoclave

Procedure Name

Request Form Homoclave

CNBV-2026-004

Submission of audit report to evaluate compliance with general provisions on AML/CFT matters.

FF-CNBV-2026-004.

CNBV-2026-006

Registration or renewal in the Registry to operate as a currency exchange center or money transmitter.

FF-CNBV-2026-006.

CNBV-19-040

Report when it is impossible for financial entities to apply the provisions in their offices, branches, agencies, subsidiaries, local offices, and establishments located abroad.

FF-CNBV-19-040.

ARTICLE SIXTH.- For the procedure with homoclave: " CNBV-2026-003 " named " Obtaining and Renewing the Certification on AML/CFT matters " ; in order to reduce the bureaucratic cost that participating persons assume, the documents named " Request for obtaining or renewal of the certificate " , " Letter under oath " ,

Acceptance for receiving electronic notifications related to the process and the result of the electronic evaluation" and "Consent for the publication of personal data"; shall be issued by the National Banking and Securities Commission, through the Certification Portal. These documents will be available at the time of registration via electronic form. These must be downloaded, signed manually, and attached through said Portal by the participating individuals.

ARTICLE SEVENTH.- For the procedure with homoclave: "CNBV-28-020" titled "Technical Opinion on AML/CFT matters"; with the objective of reducing the bureaucratic cost assumed by applicants, the National Banking and Securities Commission through the SITI AML/CFT Portal will provide the following documents, which must be downloaded, signed manually, and attached through said Portal by the corresponding persons:

For the case of application for issuance of the Technical Opinion:

For the case of renewal of the Technical
Opinion:

For the issuance or renewal of the Technical Opinion:

1.
Manifestation that the obligated subject is in the process of implementing the automated system, in the case of exchange centers and money transmitters.

1.
Manifestation under oath of truthfulness regarding the adequate attention to observations, recommendations, actions and/or corrective measures issued by the Commission in matters of AML/CFT.

2.
Manifestation under oath of truthfulness that the company is in operation.

1.
Request for technical opinion.

2.
Letter of acceptance of the sending of electronic notifications.

3.
Manifestation that the obligated subject has the automated system.

4.
Consent for the publication of statistical information in matters of AML/CFT.

5.
Questionnaire in which the Compliance Officer manifests under oath of truthfulness that he/she possesses the knowledge, experience and requirements in matters of AML/CFT.

TRANSITORY CLAUSES

FIRST.- This Agreement shall enter into force from the day following its publication in the Official Gazette of the Federation.

SECOND.- Procedures submitted prior to the publication of this Agreement shall be resolved in accordance with the applicable regulations in force at the time of their submission.

THIRD.- The National Banking and Securities Commission, in accordance with this Agreement, will not request additional requirements beyond those provided for herein, nor documentation that is in its physical or electronic files, or simple copies.

FOURTH.- The National Banking and Securities Commission will modify the information that proves necessary in the procedure files registered in the Citizen Single Portal for Procedures and Services of the Digital Transformation and Telecommunications Agency, in accordance with what is established in articles 53 and 54 of the National Law to Eliminate Bureaucratic Procedures.

FIFTH.- The National Banking and Securities Commission will carry out the relevant actions so that the competent authorities are made aware of the need to make the corresponding adjustments in the General Provisions referred to in article 115 of the Credit Institutions Law in relation to articles 87-D and 95-Bis of the General Law of Auxiliary Credit Organizations and Activities, applicable to multiple-object financial societies; General Provisions referred to in article 95 of the General Law of Auxiliary Credit Organizations and Activities applicable to Exchange Houses; Resolution by which the new general provisions referred to in article 212 of the Securities Market Law are issued; General Provisions referred to in article 129 of the Credit Unions Law; General Provisions referred to in article 91 of the Investment Funds Law; General Provisions referred to in article 95 of the General Law of Auxiliary Credit Organizations and Activities applicable to General Warehouses; General Provisions referred to in articles 115 of the Credit Institutions Law in relation to 87-D of the General Law of Auxiliary Credit Organizations and Activities and 95-Bis of this latter legislation, applicable to multiple-object financial societies; General Provisions referred to in article 95 Bis of the General Law of Auxiliary Credit Organizations and Activities applicable to exchange centers referred to in article 81-A of the same legislation; General Provisions referred to in article 95 Bis of the General Law of Auxiliary Credit Organizations and Activities applicable to exchange centers referred to in article 81-A of the same legislation; General Provisions referred to in article 226 Bis of the Securities Market Law, applicable to investment advisors; General Provisions for the certification of independent external auditors, compliance officers and other professionals in matters of prevention of operations with proceeds of illicit origin and financing of terrorism; Instruction for requesting the obtaining or renewal of the certificate in matters of AML/CFT; General Provisions for obtaining the technical opinion of exchange centers, money transmitters and unregulated multiple-object financial societies; Instruction for requesting the issuance or renewal of the technical opinion in matters of AML/CFT, referred to in articles 86 Bis and 87-P, through electronic means; Guidelines for the preparation of the Audit Report to evaluate compliance with general provisions in matters of prevention of operations with proceeds of illicit origin and financing of terrorism; General Provisions relating to the registration of exchange centers and money transmitters; linked to this General Agreement, within a maximum period of one year, counted from the entry into force of the same. This period is established in accordance with what is provided in article 24, paragraph two, of the National Law to Eliminate Bureaucratic Procedures, with the purpose of guaranteeing the coherence and
harmonization of the provisions, as well as the update of the regulatory frameworks that are modified or affected by the reforms and provisions provided herein, therefore, until such instruments are modified, the provisions of this General Agreement shall apply.

SIXTH.- The National Banking and Securities Commission, in the procedure "Registration or renewal in the Registry to operate as an exchange center or money transmitter" identified with the homoclave CNBV-2026-006, will maintain as part of the requirements the presentation of the CURP of the secretary of the board of directors or competent person for this purpose, of the persons who directly or indirectly have a participation in the social capital of the Interested Party, as well as of the Beneficial Owners of the Interested Party, until such time as a System is available that allows the validation of data provided by the General Directorate of the National Population Registry (RENAPO) and in those cases where in said System the reference information cannot be validated.

Respectfully,

Mexico City, September 22, 2026.- President of the National Banking and Securities Commission, Ángel Cabrera Mendoza.- Rubric.

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