General Provisions Designating the Days in 2026 When Financial Entities Subject to CNBV Supervision Must Close and Suspend Operations

GENERAL PROVISIONS DESIGNATING THE DAYS IN 2026 WHEN FINANCIAL ENTITIES SUBJECT TO THE SUPERVISION OF THE COMMISSION NATIONAL BANKING AND SECURITIES COMMISSION MUST CLOSE THEIR DOORS AND SUSPEND OPERATIONS

Published in the Official Gazette of the Federation on December 10, 2025.

The Comisión Nacional Bancaria y de Valores, based on articles 3, fraction IV; 4, fractions XXII and XXXVI; and 16, fraction I of the Law of the Comisión Nacional Bancaria y de Valores; 95 and 98 Bis of the Law of Credit Institutions; 218, 243 and 279 of the Securities Market Law; 80, second paragraph, fraction VIII of the Investment Funds Law; 70 of the General Law of Organizations and Auxiliary Credit Activities; 124 Bis 3 of the Popular Savings and Credit Law; 90 of the Credit Unions Law; and 68 of the Law to Regulate the Activities of Savings and Loan Cooperative Societies, has deemed it appropriate to issue the following:

Article 1.- Credit institutions, brokerage houses, stock exchanges, securities depository institutions, securities rating agencies, central counterparties for securities, derivatives contract exchanges, derivatives instrument clearing houses and their liquidating members, investment funds, investment fund operating companies, investment fund share distribution companies, investment fund share valuation companies, regulated multiple-object financial societies, popular financial societies, community financial societies, rural financial integration bodies, credit unions, savings and loan cooperative societies, credit information societies, and fintech institutions must close their doors and suspend their operations in the United Mexican States on the following days of the year 2026:

I. January 1.
II. The first Monday of February in commemoration of February 5.
III. The third Monday of March in commemoration of March 21.
IV. April 2 and 3.
V. May 1.
VI. September 16.
VII. November 2 and the third Monday of said month, the latter in commemoration of November 20.
VIII. December 12 and 25.
IX. Saturdays and Sundays.

General warehouses and exchange houses may open their doors and operate on all days of the year 2026, provided they comply with these provisions.

The other financial entities, institutions, and bodies subject to the supervision of the Comisión Nacional Bancaria y de Valores not included in the preceding paragraphs of this article are not subject to these provisions.

Article 2.- The Comisión Nacional Bancaria y de Valores may order the financial entities referred to in the first paragraph of Article 1 of these provisions to close their doors and suspend operations within the United Mexican States on days other than those indicated in said article, when it deems necessary for reasons of security or public interest.

The notifications carried out by the Comisión Nacional Bancaria y de Valores in accordance with the provisions of the preceding paragraph may be made by email and other means of communication that allow proof of sending. To this effect, the Commission itself must use the most recent information available in its database and that has been provided by the financial entities.

Article 3.- The financial entities mentioned in the first paragraph of Article 1 of these provisions that intend to open their doors and operate on the days of the year 2026 referred to in fractions I to IX of said provision may do so without authorization from the Comisión Nacional Bancaria y de Valores, provided they submit a notice indicating the cities or localities in the country that will have open facilities and the type of operations they intend to carry out. Such notice must be accompanied by a calendar indicating those days of the year, from those mentioned in Article 1 of these provisions, on which the sending financial entity will open its doors with the respective justification.

The financial entities mentioned in the first paragraph of Article 1 of these provisions, general warehouses, and exchange houses that, where applicable, open their doors and operate on the days referred to in fractions I to IX of said normative provision, will settle the operations they agree upon with their clients with a value date on the next banking or stock market business day, when these require settlement through the country's payment system.

Article 4.- The financial entities mentioned in the first paragraph of Article 1 of these provisions that intend to close their doors and suspend their operations on days of the year 2026 additional to those referred to in fractions I to IX of said normative provision may do so without authorization from the Comisión Nacional Bancaria y de Valores, provided they submit a notice indicating the cities or localities in the country where the facilities will remain closed. Such notice must be accompanied by a calendar of the days of the year on which they will close their doors with the respective justification.

General warehouses and exchange houses that intend to close their doors and suspend operations on any day of the year 2026, including those provided for in Article 1 of these provisions, may do so without authorization from the Comisión Nacional Bancaria y de Valores provided they submit the notice referred to in the preceding paragraph.

Justified causes for submitting the notice referred to in the first paragraph of this article are considered to exist, among others, when it concerns days that their collective contracts or general conditions of employment provide as non-working days in accordance with regional usages and customs that have been established in the locality or geographic zone in question, as well as those determined by electoral laws to carry out any electoral voting day.

Without prejudice to the foregoing, financial entities subject to these provisions must provide for minimum operational mechanisms that avoid disruptions to the country's payment system. The days established in the calendar accompanying the reference notice will be considered banking or stock market business days for operation, for all applicable legal and administrative effects.

Article 5.- The days of the year 2026 that financial entities determine to open or close their doors, as well as operate or cease to do so under Articles 3 and 4 of these provisions, as well as any modifications they may make during the course of the year 2026, must be submitted to the Comisión Nacional Bancaria y de Valores at least 7 calendar days in advance of the date on which they intend to start their application.

The Comisión Nacional Bancaria y de Valores may, at any time, veto or order corrections to the calendar of days that entities present with the notice referred to in Articles 3 and 4 of these provisions, when in its judgment and due to the days of the 2026 calendar indicated, the proper functioning of the country's payment system or, where applicable, the stability and security of the financial entity in question or the financial system as a whole, is put in danger or interrupted.

Article 6.- Without prejudice to what is stated in Articles 3 and 4 of these provisions, financial entities subject to this instrument must keep a record of any temporary closure or change in hours of their branches for public service, or where applicable, suspension of operations due to fortuitous event or force majeure, in which they record the date and the cause that originated it, keeping said record available to the Comisión Nacional Bancaria y de Valores.

Likewise, in the case of temporary closure, change in hours, or suspension of operations of branches that occurs for any reason and implies that in one or more cities of the United Mexican States there is no possibility of opening doors and conducting operations with the public, thereby affecting the country's payment system, immediate notice must be given to the Comisión Nacional Bancaria y de Valores informing of the measures adopted to ensure continuity of service to its clientele.

The financial entities indicated in the first paragraph of Article 1 of these provisions that must open or close their doors, operate or cease to do so, on days other than those indicated in the notice referred to in Articles 3 and 4 of these provisions, due to fortuitous event or force majeure, health emergencies, natural disasters, or due to recommendations or determinations of federal or local government order, must notify the Comisión Nacional Bancaria y de Valores as soon as possible. In these cases, they must also notify the date on which the extraordinary opening or closing concludes.

General warehouses and exchange houses that have given the notice referred to in Article 4 of these provisions and that must close their doors on days other than those indicated in said notice due to the causes provided for in the immediately preceding paragraph, must notify the Comisión Nacional Bancaria y de Valores as soon as possible.

Article 7.- Financial entities may continuously conclude with their clientele those operations and services that, due to their characteristics, terms, and conditions, cannot be suspended, such as debit or credit card transactions and the operation of automated teller machines, among others.

Article 8.- These provisions will not be applicable in matters of installation, relocation, or closure of branches of financial entities.

Article 9.- These provisions will apply independently of the regulation regarding labor matters.

TRANSITIONAL

SINGLE.- These provisions will enter into force the day following their publication in the Official Gazette of the Federation.