Modifications and Additions to the General Provisions Governing Retirement Fund Administrators Regarding Their Promoting Agents

DOF: 25/02/2026

MODIFICACIONES y adiciones a las Disposiciones de carácter general a las que deberán sujetarse las administradoras de fondos para el retiro en relación con sus agentes promotores

Al margen un sello con el Escudo Nacional, que dice: Estados Unidos Mexicanos.- Hacienda.- Secretaría de

Hacienda y Crédito Público.- Comisión Nacional del Sistema de Ahorro para el Retiro.

MODIFICACIONES Y ADICIONES A LAS DISPOSICIONES DE CARÁCTER GENERAL A LAS QUE

DEBERÁN SUJETARSE LAS ADMINISTRADORAS DE FONDOS PARA EL RETIRO EN RELACIÓN CON

SUS AGENTES PROMOTORES

El Presidente de la Comisión Nacional del Sistema de Ahorro para el Retiro, previa opinión favorable del

Comité Consultivo y de Vigilancia, con fundamento en los artículos 1o, 2o, 5o, fracciones I, II, XII y XVI, 12

fracciones I, VIII y XVI, 16 fracción XIII y 36, de la Ley de los Sistemas de Ahorro para el Retiro; 1o, 34, 45, 60,

67 fracciones II, XII y XIII, 68 fracciones XI, inciso b) y XXIII, 104 y 105 del Reglamento de la Ley de los

Sistemas de Ahorro para el Retiro; 1, 2, fracción III y 8 del Reglamento Interior de la Comisión Nacional del

Sistema de Ahorro para el Retiro, y

CONSIDERANDO

Que, de conformidad con los artículos 5, fracción I, y 36 de la Ley de los Sistemas de Ahorro para el

Retiro, la Comisión está facultada para regular el Registro de Agentes Promotores y establecer los requisitos

para su inscripción y permanencia, entre los cuales se encuentra la capacidad técnica necesaria para el

adecuado desempeño de sus funciones;

Que, a fin de ampliar las alternativas para que las Administradoras obtengan la certificación de sus

Agentes Promotores o Asesores Previsionales, resulta conveniente que las Instituciones Educativas también

puedan ofrecer cursos con dichos fines;

Que, para mejorar la gestión del pre registro, registro, validación, entrega de resultados de evaluaciones y

demás información generada en los procesos realizados ante las Instituciones Educativas e Instituciones

Evaluadoras, es necesario fortalecer el ecosistema de control del Registro de Agentes Promotores mediante

la consolidación de una base de datos administrada por las Empresas Operadoras de la Base de Datos

Nacional SAR, incluyendo su intervención en la centralización, distribución y validación de esa información,

con lo cual se generarían eficiencias operativas;

Que, con objeto de agilizar la entrega de resultados derivados de los procesos que las Administradoras

llevan a cabo ante las Instituciones Educativas e Instituciones Evaluadoras, resulta pertinente establecer

mecanismos de intercambio de información entre dichas instituciones y las Empresas Operadoras de la Base

de Datos Nacional SAR, a fin de eliminar la necesidad de que las Administradoras entreguen directamente las

constancias de certificación y recertificación a las citadas Empresas Operadoras;

Que para dar certeza las Administradoras y a sus funcionarios, empleados y demás personas que dirijan,

coordinen o ejecuten las políticas y las actividades comerciales de una Administradora, así como aquellas que

supervisen a los Agentes Promotores y a los Asesores Previsionales, que ingresen a prestar sus servicios, es

necesario precisar un periodo de prudente para que obtengan su registro de Agente Promotor;

Que, a efecto de homologar los tiempos de vigencia de los números de Agente Promotor con la vigencia

de las certificaciones y recertificaciones, y de permitir a las Administradoras concluir de forma ágil la

inscripción o renovación de sus colaboradores en el Registro de Agentes Promotores, se estima conveniente

establecer plazos concretos para tal fin, y

Que, para que la Comisión cuente con información confiable que permita un mejor ejercicio de sus

facultades de supervisión, es necesario que las Administradoras pongan en su conocimiento un plan anual de

capacidad de Agentes Promotores o Asesores Previsionales, por lo que se expiden las presentes:

MODIFICACIONES Y ADICIONES A LAS DISPOSICIONES DE CARÁCTER GENERAL

A LAS QUE

DEBERÁN SUJETARSE LAS ADMINISTRADORAS DE FONDOS

PARA EL RETIRO EN RELACIÓN CON

SUS AGENTES PROMOTORES

ÚNICO. - Se MODIFICAN los artículos 2, fracciones X bis y XII bis; 3, fracciones II y VIII; 4, primer párrafo;

7, fracciones V, XVII en su inciso b y XIX; 9, segundo párrafo; 13, fracciones II y III; 16, primer párrafo y actual

segundo párrafo; 18, primer párrafo; 21, cuarto párrafo; 23, primer párrafo, las fracciones II y III, así como el

tercero, cuarto y quinto párrafos; 23 bis, fracción I, en su segundo y tercer párrafos; 23 ter, primer párrafo,

fracción II en su segundo y tercer párrafos, y las fracciones III y IV; 23 quater, en sus fracciones I, V y VII y

último párrafo; 28; 28 bis tercer párrafo; 33, primer párrafo; 34, segundo párrafo, y 35, fracción III; se

ADICIONAN los artículos 2, con una fracción IV ter; 4, con un segundo párrafo; 6, con un segundo párrafo,

recorriéndose el actual segundo para quedar tercero; 7, con las fracciones XXI y XXII; 9 bis; 11, con las

fracciones VII y VIII, y un cuarto y quinto párrafos; 12, con una fracción IV; 13, con una fracción IV; 16, con un

segundo párrafo, recorriéndose el actual segundo para quedar como tercero; 17, con las fracciones III y IV;

18, con un segundo párrafo; 23, con un sexto y séptimo párrafos; 23 bis, fracción III, con un cuarto párrafo; 23

ter, con una fracción II bis; 23 quinquies; 31, con un sexto párrafo, y 63; y se DEROGAN , los artículos 11, en

su fracción II; 14; 17, en su fracción II y 23, en sus incisos a) y b); todos de las " DISPOSICIONES de carácter

general a las que deberán sujetarse las administradoras de fondos para el retiro en relación con sus agentes

promotores " , con sus modificaciones y adiciones vigentes para quedar en los siguientes términos:

" Artículo 2 . ...

I . a IV bis.

...

IV ter. Certification Courses, singular or plural, those designed and taught by an Educational Institution for the purpose of a person obtaining certification, which are integrated as a set of teaching activities to evaluate the technical capacities of those aspiring to serve as Promoting Agents and Previsional Advisors;

V. a X.

...

X bis. Educational Institutions, singular or plural, those public or private entities that meet the requirements established in these provisions to design and teach Certification Courses, Update Courses, and Professionalization Programs for certification or recertification purposes, and that are designated by the Commission;

XI. y XII.

...

XII bis . Evaluation Program, that prepared by the Evaluation Institution designated by the Commission for the evaluation of the technical capacities of Promoting Agents or Previsional Advisors.

XII ter. a XVI.

...

"

" Artículo 3.

...

I.

...

II. Have the necessary technical capacity to perform the functions of Promoting Agent or Previsional Advisor, which shall be accredited through approval of Certification, Recertification, or Control Exams administered to them, or through accreditation of Certification Courses, Update Courses, or Professionalization Programs, as applicable;

III. al VII.

...

VIII. That their CURP be validated in the RENAPO and that the certificate issued by said authority contain the legend " CURP certified: Verified with the Civil Registry ". In the case of a CURP linked to a naturalization letter or migratory document, it shall be valid even if it does not contain the legend:

" Verified with the Secretariat of Foreign Relations " or " Verified with the National Institute of Migration ", as applicable.

...

... "

" Artículo 4. In protection of the interests of Workers, Administrators must ensure and, if necessary, accredit before the Commission when this is required in the exercise of its powers, that officials, employees, and other persons who direct, coordinate, or execute the policies and commercial activities of an Administrator, as well as those who supervise Promoting Agents and Previsional Advisors, with the exception of the General Director and the Commercial Director or the official with the highest level within the commercial structure of the Administrator, have a valid Promoting Agent or Previsional Advisor registration.

The officials referred to in the previous paragraph must have a Promoting Agent registration no later than four months from the date of their entry into the respective Administrator. "

" Artículo 6 . ...

The Operating Companies, based on the results issued by Educational Institutions or Evaluation Institutions and the information provided to them by Administrators, must concentrate and maintain updated a Database that integrates the information of the persons that Administrators submit for certification processes as well as Previsional Advisors or Promoting Agents that submit for recertification processes, in order to identify information related to their registration, including, where applicable, validity periods, cancellations, suspensions, and disqualifications, as well as those derived from transgressions of applicable guidelines.

... "

" Artículo 7.

...

I. a IV.

...

V. CURP validated in the RENAPO and which must include the legend " CURP certified: Verified with the Civil Registry ". In the case of a CURP linked to a naturalization letter or migratory document, it shall be valid even if it does not contain the legend:

" Verified with the Secretariat of

Foreign Relations " or " Verified with the National Institute of Migration ", as applicable;

VI. al XVI.

...

XVII. ...

a.

...

b. CURP validated in the RENAPO and which must include the legend " CURP certified: Verified with

the Civil Registry ". In the case of a CURP linked to a naturalization letter or migratory document, it shall be valid even if it does not contain the legend:

" Verified with the Secretariat of

Foreign Relations " or " Verified with the National Institute of Migration ", as applicable;

XVIII.

...

XIX. Type of contracting or, where applicable, labor relationship with the Administrator,

XX.

...

XXI. Date of certification, and

XXII. Date of recertification. "

" Artículo 9.

...

Administrators shall be responsible for updating the information related to Promoting Agents and Previsional Advisors in the Register of Promoting Agents, as well as ensuring that the information they provide is truthful and meets the technical characteristics determined for such effect by the Operating Companies in the Transactional Procedures Manual. "

" Artículo 9 bis. The Promoting Agent registration number shall have a validity of three years,

counted from the day on which the Operating Companies carry out the registration or renewal

of the corresponding number, which may not exceed the twentieth natural day following that on

which the Administrator was notified of the certification or recertification by the

Evaluation Institutions or Educational Institutions. Having a valid registration number is

necessary to perform the functions of Promoting Agent or Previsional Advisor at the

corresponding Administrator. The aforementioned registration number may be renewable for periods

equal in terms of these general provisions. "

" Artículo 11.

...

I.

...

II. Repealed.

III. a VI.

...

VII. Date of approval or accreditation of the Certification Exam or Certification Course as applicable.

VIII. Evaluation Institution or Educational Institution where the Certification Exam or

Certification Course was taken, as applicable.

...

...

Administrators must request the registration of their Promoting Agents or Previsional Advisors from the Operating Companies no later than the twentieth natural day following the date on which the

Evaluation Institutions or Educational Institutions have registered the results of those

Promoting Agents or Previsional Advisors who have accredited their technical capacities through

the corresponding exam or course.

In the event that Administrators do not request the registration of their candidates within the period referred to in the previous paragraph, or if they are rejected for not meeting the requirements provided

in these general provisions, the Operating Companies must cancel the request, and the respective certification will lose its validity in accordance with what is established in the Transactional Procedures Manual. "

" Artículo 12.

...

I. a III.

...

IV. That they have an approved and valid Certification Exam or Certification Course according to the information provided to them by the Evaluation Institutions or Educational Institutions. "

" Artículo 13.

...

I. y I bis.

...

II. It is identified that in the Register of Promoting Agents there is a valid Promoting Agent or

Previsional Advisor registration for the same person in another Administrator ,

III. It is identified that, if there is a Promoting Agent or Previsional Advisor registration, it has been

cancelled or suspended by the Commission , and

IV. The information provided does not coincide with that provided by the Evaluation Institution or

Educational Institution as a result of the Certification Exam or Certification Course.

... "

" Artículo 14. Repealed. "

" Artículo 16 . Administrators must request the renewal of the registration of their Promoting Agents or Previsional Advisors from the Operating Companies no later than the twentieth natural day

following the date on which the Evaluation Institutions or Educational Institutions have made known to them the Promoting Agents or Previsional Advisors who have accredited their

technical capacities through Recertification Exam, Update Course, or Professionalization Program.

Recertification may be carried out during the six months prior to the conclusion of its validity, the

registration number of Promoting Agents or Previsional Advisors must remain valid throughout

the renewal process; otherwise, it will be cancelled, interrupting the process. In that case, Administrators may carry out the process referred to in the previous section.

In the event that Administrators do not request the renewal of the registration of their candidates within the period referred to in the previous paragraph, or if they are rejected for not meeting the requirements

provided in these general provisions, the Operating Companies must cancel the registration of the Promoting Agents Register from the date on which its validity ends.

...

... "

" Artículo 17 . ...

I.

...

II. Repealed.

III. Date of approval or accreditation of the Recertification Exam, Update Course

or Professionalization Program, as applicable

IV. Evaluation Institution or Educational Institution where the Exam of

Recertification, Update Course, or Professionalization Program was taken, as applicable.

... "

" Artículo 18. Operating Companies must receive and process the renewal requests for Promoting Agent and Previsional Advisor registration presented by Administrators and verify that

these are accompanied by the documentation referred to in the previous article, that they have a Recertification Exam, Update Course, or Professionalization Program, approved and valid.

as well as that they meet the characteristics provided in the Transactional Procedures Manual.

Operating Companies must reject renewal requests for the Register of

Promoting Agents presented by Administrators when they do not comply with what is established in

article 17 above or if the information provided does not coincide with that provided by the Institution

Evaluation or Educational Institution as a result of the Recertification Exam, the

Update Course, or the Professionalization Program, as applicable. "

" Artículo 21.

...

...

...

During the performance of their duties, Promoting Agents or Previsional Advisors must identify themselves with the Promoting Agent Credential issued for this purpose by the Administrator to which they

provide their services, and may not use any other identity document for the purposes of their function.

...

...

... "

" Artículo 23. Previsional Advisors or Promoting Agents must accredit their technical capacity through the processes offered for this purpose by the Evaluation Institutions or Educational Institutions designated by the Commission for this purpose, in order for the latter to certify or recertify them to exercise the functions they perform.

...

I.

...

II. Three years when technical capacity is accredited through Certification Courses in

the case of certification or Update Courses, in the case of recertification.

III. Permanent when technical capacity is accredited through Professionalization Programs,

which may be revoked if there are transgressions to the applicable current regulations,

and only applies for recertification.

Administrators must carry out the registration in the Register of Promoting Agents of persons who have certification or recertification, in the case of the previous fractions, within

the periods established in articles 11 and 16 of these provisions.

Certification shall proceed in the case of persons that Administrators submit for their registration

in the Register of Promoting Agents in said Administrator.

Recertification shall proceed in the case of persons who already have a valid Promoting Agent or

Previsional Advisor registration number and shall be requested by the Administrators in which they

are registered or for the purposes of article 33 of these general provisions.

When the rejection referred to in fraction I bis of article 13 of these

Provisions occurs, the recertification that has been issued by the Commission shall lose all validity

a)

Repealed.

b)

Repealed.

The validity periods referred to in this article shall begin to run simultaneously with the registration or

renewal carried out by the Operating Company in order for it to be the same validity of the Promoting Agent registration number referred to in article 9 bis of these provisions. "

" Artículo 23 bis.

...

I.

...

The call for applications must warn that candidates will be subject to the ethical

behavior rules established by the Evaluation Institution by signing their

commitment, agreement, and willingness to do so, through the mechanisms established by said

institutions.

In the event of evidence of transgressions to the aforementioned ethical

behavior rules, the Evaluation Institution shall proceed to cancel the Certification or

Recertification Exam of the candidates involved, which it shall inform promptly

to the Administrator, to the

Operating Companies, and to the Commission with the cases duly

documented, providing this with the evidence or probative elements where the

transgressions are recorded.

Likewise, the call for applications shall establish that Administrators may not submit,

during a calendar year, candidates whose exam has been cancelled in terms of what

is established in the previous paragraph; this year shall be counted from the date on which the

cancellation occurred, and the provisions of article 28 bis of these provisions shall apply. The

Operating Companies must identify the candidates referred to, for the purposes of

article 28 bis of these provisions.

II.

...

...

III.

...

...

...

Operating Companies will validate from the pre-registration that the information of the

candidates that Administrators register with the Evaluation Institutions for

obtaining certification or recertification, complies with what is established in the present

provisions to obtain certification or recertification and must notify the

Administrator and the Evaluation Institution, which candidates will be

able to take the Certification or Recertification Exams, as well as those who did not

pass the corresponding validation, indicating for such effect the reasons for rejection.

The foregoing shall be carried out in accordance with the mechanisms and processes that are

established in the Transactional Procedures Manual.

IV.

... "

" Artículo 23 ter. The certification or recertification process through an Educational Institution shall be subject to

the following:

I.

...

II.

...

The call for applications must warn that candidates will be subject to the ethical

behavior rules established by the Educational Institution by signing their

commitment, agreement, and willingness to do so, through the mechanisms established by said

institutions. In the event of evidence of transgressions to the aforementioned ethical

behavior rules, the Educational Institution shall proceed to cancel the evaluation of the

course in question, of the candidates involved, which it shall inform promptly to the

Administrator, to the Operating Companies, and to the Commission with the cases duly

documented, providing this with the evidence or probative elements where the

transgressions are recorded.

Likewise, the call for applications shall establish that Administrators may not submit,

during a calendar year, candidates whose evaluation has been cancelled in terms of

what is established in the previous paragraph; this year shall be counted from the date on which it

occurred, and the provisions of article 28 bis of these provisions shall apply. The

Operating Companies must identify the candidates referred to, for the purposes of

article 28 bis of these provisions.

II bis. Administrators must carry out the pre-registration actions for the

certification or recertification processes with the Educational Institution, in the terms

established in the call for applications and verify that the candidate's information coincides with

that of the National Population Registry (RENAPO), ensuring that the CURP has

the characteristics provided in article 7 fraction V of these provisions.

Likewise, for candidates who have a Promoting Agent Number,

they must include it in the pre-registration.

When Administrators do not carry out the process referred to in the previous

paragraph, registration in the Register of Promoting Agents may not continue,

so they must submit their pre-registration again for subsequent events.

Operating Companies will validate from the pre-registration that the information of the candidates that Administrators register with the Educational Institutions for

obtaining certification or recertification, complies with what is established in the present

provisions to obtain certification or recertification and must notify the

Administrator and the Educational Institution, which candidates will be

able to take the Certification or Recertification Exams, as well as those who did not

pass the corresponding validation, indicating for such effect the reasons for rejection.

The foregoing shall be carried out in accordance with the mechanisms and processes that are

established in the Transactional Procedures Manual. "

... "

" Artículo 23 quater. ...

I.

...

II. ...

III. ...

IV. ...

V. ...

VI. ...

VII. ...

... "

" Artículo 28. ...

... "

" Artículo 28 bis. ...

... "

" Artículo 33. ...

... "

" Artículo 34. ...

... "

" Artículo 35. ...

... "

" Artículo 63. ...

... "

carry out the Certification Courses, Update Courses, or Professionalization Programs, as well as those who did not pass the corresponding validation, indicating the reasons for rejection for this purpose. The foregoing shall be carried out in accordance with the mechanisms and processes established in the Transactional Procedures Manual.

III. Administrators may enter into agreements with Educational Institutions, individually, in order to facilitate the exchange of information related to aspects of the call for applications, facilitate logistics for the delivery of Certification Courses, Update Courses, or Professionalization Programs, or establish a scheme of benefits related to the provision of services.

IV. Individuals who opt for Certification Courses or Update Courses to obtain certification or recertification, as the case may be, must obtain a minimum passing grade of 80% in said courses.

V.

... "

" Article 23 quater.

...

I. That it has at least 5 years of track record as an educational institution, with installed capacity, infrastructure, human and technological resources necessary for the design and delivery of Certification Courses, Update Courses, and Professionalization Programs at the national level;

II. to IV.

...

V. That it issue certificates accrediting that candidates passed the Certification Courses, Update Courses, as well as for the Professionalization Programs, issuing the document that accredits the integral conclusion of the academic activities and validates the respective technical aptitude;

VI.

...

VII. That the design, content, and calls for Certification Courses, Update Courses, and Professionalization Programs be developed through a established methodology that involves the participation of a committee or technical committees.

In addition to the foregoing, the Commission may issue guidelines containing characteristics, specific requirements, or aspects it deems necessary, regarding Educational Institutions, Certification Courses, Update Courses, or Professionalization Programs. "

" Article 23 quinquies. Operating Companies shall establish mechanisms for the exchange of information with Evaluating Institutions and Educational Institutions in order to safeguard, validate, and centralize information regarding the certification or recertification processes, for which purpose they must comply with the following:

I. Validate the information registered in the pre-registration process of the certification and recertification processes.

II. Receive from Evaluating Institutions and Educational Institutions the results of the evaluations of the certification and recertification processes.

III. Generate automatic validation mechanisms regarding Pension Advisors or Promoter Agents who have a passing evaluation for certification or recertification.

IV. Automatically identify the validity of the Promoter Agent registration in accordance with the results of the evaluations of the certification and recertification processes provided by Educational Institutions and Evaluating Institutions.

The foregoing, in accordance with what is established in the Transactional Procedures Manual. "

" Article 28. The candidate who does not obtain a passing grade may present in subsequent certification or recertification events, in accordance with what is provided in article 23 of these provisions, the exams that the Administrator deems convenient. Once the candidate accredits the evaluations to obtain Certification or Recertification, the Administrator who sponsors them must attend to the procedure for the registration of the Promoter Agent referred to in these general provisions. "

" Article 28 bis.

...

a) and b)

...

...

Operating Companies, in terms of the information exchange mechanisms referred to in article 23 quinquies, shall receive from Evaluating Institutions and Educational Institutions, the information of candidates whose evaluations have been cancelled due to transgressions of the ethical behavior rules established, as applicable, with the purpose of incorporating a temporary annotation of "disqualified" in the Promoter Agent Registration Database for the effects provided in articles 23 bis, fraction I second and third paragraphs; 23 ter, fraction II second and third paragraphs, and 28 bis of these provisions. "

" Article 31.

...

...

...

...

...

The Commission shall inform the Operating Company of the results of the Control Exam, with the objective of validating the movements carried out by Administrators in the Register of Promoter Agents or Pension Advisors. "

" Article 33. For the reactivation of records suspended in terms of the previous article, Administrators must send the Promoter Agents or Pension Advisors in question to the Update Courses and the next recertification event as applicable. The foregoing shall be applicable even if the person in question has an accredited Professionalization Program.

...

... "

" Article 34.

...

Within the same timeframe referred to in the previous paragraph, Administrators must provide to Operating Companies the name of the Promoter Agent or Pension Advisor, the CURP, the registration number, as well as the reason for termination, which must be recorded in the electronic file of the Promoter Agent in question. The reasons for which the suspension or cancellation of the registration of a Promoter Agent or Pension Advisor originates must be registered in the SIAP.

...

...

...

...

... "

" Article 35.

...

I. and II.

...

III. The Promoter Agent or Pension Advisor incurs in serious faults in the exercise of their activity.

IV.

...

... "

" Article 63. Administrators must prepare and remit to the Commission, within the first quarter of each calendar year, an annual capacity plan for Promoter Agents or Pension Advisors, which shall have the object of accrediting that they have an operational strategy for the attention of Workers during the corresponding calendar year.

I. The plan referred to in this article must contain, at least the following:

a) The number of active Promoter Agents or Pension Advisors considered for attention at the close of the same exercise;

b) The annual projection of variation of Promoter Agents or Pension Advisors, expressing the estimated number of Promoter Agents or Pension Advisors that the Administrator expects to incorporate during the calendar year, broken down by quarter, including high, low, and estimated rotation; and

c) The methodological justification used, including, when applicable, the relationship with the indicator of coverage of promoter agents or pension advisors or other service indicators. "

TRANSITORY PROVISIONS

ARTICLE FIRST. These general provisions shall enter into force three months after the date of their publication in the Official Gazette of the Federation, with the exception of the following:

I. Article 63 of these modifications and additions shall enter into force on the next business day following its publication in the Official Gazette of the Federation.

ARTICLE SECOND. The submission of the plan referred to in article 63 of these modifications and additions must be made for the first time within fifteen business days following its entry into force and must contain the information that the Administrator has projected for the remainder of the 2026 exercise. With respect to the submission that must be made for the year 2027, the provisions of article 63 of these modifications and additions shall apply.

ARTICLE THIRD. At the date of entry into force of these general provisions, all those provisions issued by the Commission that are contrary to this regulation are repealed.

Mexico City, February 18, 2026.- The President of the National Commission for the Retirement Savings System, Master Julio César Cervantes Parra.- Rubric.

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