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

Published in the Official Gazette of the Federation on December 31, 2025.

The National Banking and Securities Commission, a decentralized administrative body of the Secretariat of Finance and Public Credit, based on the provisions of Article 25, last paragraph of the Political Constitution of the United Mexican States; Article 19, fraction XIV and Article 24 of the National Law to Eliminate Bureaucratic Procedures; as well as Articles 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, in order to contribute to the development and well-being of people, groups, communities, and social and economic sectors, authorities at all levels of government must implement public policies for administrative simplification and digitalization of procedures and services, good regulatory practices, development and strengthening of public technological capacities, and the other objectives established by the national law in this matter;

That on July 16, 2025, the "Decree by which the National Law to Eliminate Bureaucratic Procedures is issued" was published in the Official Gazette of the Federation, through which it is established that dependencies, decentralized bodies, and entities of the Federal Public Administration must reduce bureaucratic costs for the provision of procedures and services to a minimum, seeking that the regulations they issue for these effects generate the greatest possible benefit for people, in accordance with the principles provided in said law;

That, in view of the fact that the National Model to Eliminate Bureaucratic Procedures aims to eliminate bureaucratic costs in order to facilitate access and obtaining of procedures and services, using for this purpose a set of tools and actions, among which is the issuance of general agreements for simplification;

That, the purpose of said agreements is the enabling of digital tools, the establishment of response times shorter than the maximums provided, the extension of validity of resolutions, the elimination of requirements and bureaucratic costs, as well as the implementation of any other action of improvement, simplification, and digitalization of procedures and services within the competence of the obligated subjects, and

That, with the aim of complying with the aforementioned Decree, this decentralized administrative body deems it necessary to issue this agreement, whose object consists of merging various procedures related to: i) the request for authorization of special accounting records and special accounting criteria, applicable to general deposit warehouses, exchange houses, credit unions, savings and loan cooperative societies, brokerage houses, popular savings and credit entities, credit institutions, holding companies of financial groups, investment funds, operating societies of investment funds or distributing societies of investment fund shares, liquidating partners, clearing houses, collective financing institutions, electronic payment fund institutions, development agencies and development entities; ii) the establishment of shorter response times with respect to the authorization requests provided for in the previous paragraph; iii) the elimination of records with respect to requests and procedures managed through the Transparency Obligations Portals System, and iv) the elimination of procedures corresponding to the authorization for the opening of accounts and sub-accounts in the financial statements of supervised financial entities, therefore it has resolved to issue the following:

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

ARTICLE FIRST.- Improvement actions are implemented for the following procedures:

CNBV-07-005-D
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: General Deposit Warehouses, Exchange Houses and Credit Unions.

The procedures identified with homoclaves CNBV-07-005-D, CNBV-07-005-G, CNBV-07-005-A, CNBV-07-005-B, CNBV-07-005-C, CNBV-07-005-E, CNBV-07-005-F, CNBV-07-005-H, CNBV-07-005-I and CNBV-07-005-J are integrated to become a single consolidated procedure, under the following denomination:
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which ensure their stability and correct functioning.

For the purposes of simplification and uniformity of the aforementioned procedures, the following unique homoclave is established:
Request Format: FF-CNBV-07-005

CNBV-07-005-G
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: Savings and Loan Cooperative Societies.

CNBV-07-005-A
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: Brokerage Houses. Homoclave: CNBV-07-005-A

CNBV-07-005-B
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: Popular Savings and Credit Entities.

CNBV-07-005-C
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: Credit Institutions.

CNBV-07-005-E
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: Holding Companies of Financial Groups.

CNBV-07-005-F
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: Investment Funds, Operating Societies of Investment Funds or Distributing Societies of Investment Fund Shares.

CNBV-07-005-H
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: Liquidating Partners and Clearing Houses.

CNBV-07-005-I
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: Collective Financing Institutions and Electronic Payment Fund Institutions.

CNBV-07-005-J
Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which are necessary to ensure their stability and correct functioning.
Modality: Development Agencies and Development Entities.

CNBV-07-011-A
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: Brokerage Houses.

The procedures identified with homoclaves CNBV-07-011-A, CNBV-07-011-B, CNBV-07-011-C, CNBV-07-011-D, CNBV-07-011-E, CNBV-07-011-F, CNBV-07-011-G, CNBV-07-011-H, CNBV-07-011-I and CNBV-07-011-J are integrated to become a single consolidated procedure, under the following denomination:
Request for authorization or extension of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena that generate effects on the economy and that could cause an adverse impact on the solvency or liquidity of the entities and, if applicable, on the stability of the financial system.

For the purposes of simplification and uniformity of the aforementioned procedures, the following unique homoclave is established:
Request Format: FF-CNBV-07-011

CNBV-07-011-B
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: Popular Financial Societies

CNBV-07-011-C
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: Credit Institution.

CNBV-07-011-D
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: General Deposit Warehouses, Exchange Houses and Credit Unions.

CNBV-07-011-E
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: Holding Company of Financial Groups.

CNBV-07-011-F
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: Investment Funds, Operating Societies of Investment Funds or Distributing Societies of Investment Fund Shares.

CNBV-07-011-G
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: Savings and Loan Cooperative Societies.

CNBV-07-011-H
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: Liquidating Partners and Clearing Houses.

CNBV-07-011-I
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: Collective Financing Institutions and Electronic Payment Fund Institutions.

CNBV-07-011-J
Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena.
Modality: Development Agencies and Development Entities.

ARTICLE SECOND.- The maximum response times of the authority for the procedures indicated below are reduced, and they must be resolved as follows:

No.	Homoclave	Procedure Name	Previous Timeframe for Simplification	Maximum Timeframe to Resolve the Procedure
1	CNBV-07-005	Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which ensure their stability and correct functioning.	90 business days	60 business days.
2	CNBV-07-011	Request for authorization of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena that generate effects on the economy and that could cause an adverse impact on the solvency or liquidity of the entities and, if applicable, on the stability of the financial system.	4 months	60 business days.

ARTICLE THIRD.- The registration in the inventory of the Citizen Portal for Procedures and Services is eliminated for the following requests and procedures, due to the fact that they are managed for their attention and resolution in the Transparency Obligations Portals System (SIPOT):

No.	Homoclave	Procedure Name
1	CNBV-2023-016-025-A	Requests for access to Information before the CNBV. In-person and Electronic.
2	CNBV-2023-016-027-A	ARCO Rights Requests (Access, Rectification, Cancellation, Opposition and Portability) before the CNBV. Electronic and In-person.
3	CNBV-2024-016-009-A	Support in the preparation, and if applicable, registration of requests for access to information addressed to the CNBV, through the SISAI 2 Manual Module of the National Transparency Platform (PNT).
4	CNBV-2024-016-010-A	Support in the preparation, and if applicable, registration of requests for access, rectification, cancellation, opposition and portability to the treatment of personal data (ARCOP) addressed to the National Banking and Securities Commission, through the SISAI 2.0 Manual Module of the National Transparency Platform.
5	CNBV-2023-016-028-A	Review Resource against responses to access to information requests from the CNBV.
6	CNBV-2023-016-029-A	Review Resource for Personal Data (ARCO) Requests from the CNBV, In-person or electronic means.

ARTICLE FOURTH.- The procedures indicated below are eliminated:

No.	Homoclave	Procedure Name	Modality
1	CNBV-07-010-A	Request for authorization for the opening of accounts and sub-accounts in the financial statements of supervised financial entities.	Brokerage Houses.
2	CNBV-07-010-B	Request for authorization for the opening of accounts and sub-accounts in the financial statements of supervised financial entities.	Popular Savings and Credit Entities.
3	CNBV-07-010-C	Request for authorization for the opening of accounts and sub-accounts in the financial statements of supervised financial entities.	Credit Institutions.
4	CNBV-07-010-D	Request for authorization for the opening of accounts and sub-accounts in the financial statements of supervised financial entities.	General Deposit Warehouses, Exchange Houses or Credit Unions.
5	CNBV-07-010-E	Request for authorization for the opening of accounts and sub-accounts in the financial statements of supervised financial entities.	Holding Companies of Financial Groups.
6	CNBV-07-010-F	Request for authorization for the opening of accounts and sub-accounts in the financial statements of supervised financial entities.	Investment Funds.
7	CNBV-07-010-G	Request for authorization for the opening of accounts and sub-accounts in the financial statements of supervised financial entities.	Savings and Loan Cooperative Societies

ARTICLE FIFTH.- The request format for the procedure named "Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which ensure their stability and correct functioning", with homoclave CNBV-07-005, derived from the simplification actions indicated in Article First of this Agreement, is established, which is integrated as Annex I of this instrument.

ARTICLE SIXTH.- The request format for the procedure named "Request for authorization or extension of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena that generate effects on the economy and that could cause an adverse impact on the solvency or liquidity of the entities and, if applicable, on the stability of the financial system", with homoclave CNBV-07-011, derived from the simplification actions indicated in Article First of this Agreement, is established, which is integrated as Annex II of this instrument.

ARTICLE SEVENTH.- For the procedures with homoclave CNBV-07-005 "Request for authorization of special accounting records to supervised financial entities that carry out financial health or corporate restructuring processes, which ensure their stability and correct functioning" and CNBV-07-011 "Request for authorization or extension of special accounting criteria to supervised financial entities when competent authorities issue declarations of emergency or natural disaster due to the occurrence of disturbing natural phenomena that generate effects on the economy and that could cause an adverse impact on the solvency or liquidity of the entities and, if applicable, on the stability of the financial system", supervised financial entities or self-regulatory organizations recognized by the National Banking and Securities Commission, or some guild representation body, may accompany the corresponding request format with additional documentation they consider necessary to prove the requirement, without this implying an obligatory burden in the requirements established in this Agreement.

TRANSITORY CLAUSES

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

SECOND.- Procedures entered into prior to the publication of this Agreement will be resolved in accordance with the applicable regulations in force at the time of their presentation.

THIRD.- The National Banking and Securities Commission, in compliance with what is provided in this Agreement, will not request additional requirements other than those provided in it, nor documentation that is in the physical or electronic files of the Commission itself. Likewise, it will not request simple copies, in terms of Article 19, fraction IV of the National Law to Eliminate Bureaucratic Procedures.

FOURTH.- The National Banking and Securities Commission will carry out the corresponding management actions, in order to make the corresponding adjustments in the administrative normative instruments linked to this Agreement, within a maximum timeframe of one year, counted from the entry into force of the same. This timeframe is established in accordance with what is provided in Article 24, second paragraph, 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 normative frameworks that are modified or affected by the reforms and provisions provided herein.

FIFTH.- The National Banking and Securities Commission will update the information of the procedures and services referred to in this Agreement on the Citizen Portal for Procedures and Services, in accordance with Articles 53 and 54 of the National Law to Eliminate Bureaucratic Procedures.