Resolution modifying the General Provisions applicable to Credit Institutions

DOF: 12/06/2026

RESOLUTION modifying the General Provisions applicable to Credit Institutions

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

The National Banking and Securities Commission, based on the provisions of Articles 52, paragraphs first and eighth; 65; 76; 96 Bis, first paragraph; 98, second paragraph and 98 Bis of the Credit Institutions Law, as well as Articles 4, fractions II, XXXVI and XXXVIII, 14 and 16, fraction I of the National Banking and Securities Commission Law, having the opinion of the Bank of Mexico, and

CONSIDERING

That, the Credit Institutions Law confers upon the National Banking and Securities Commission the authority to issue general provisions, with the purpose of establishing clear, simplified and homologated guidelines that allow credit institutions to integrate credit files efficiently in order to guarantee that the necessary documentation and information is adequately collected for the granting, renewal and validity of credits of any nature, ensuring that the processes are agile, transparent and in accordance with best regulatory practices, and

That, within the framework of the regulatory review applicable to credit institutions, the need has been identified to implement measures that promote the digitalization and simplification of processes related to the integration of credit files. These actions include the reuse of existing documentation, provided that it is updated and valid, as well as enabling the use of Advanced Electronic Signature as a mechanism for authentication and identification in digital media for the request and formalization of consumer and commercial credits. Likewise, flexibility is incorporated so that, in consumer credits, Institutions under their internal policies may consider records of deposits and charges from the last three months in accounts administered on behalf of users. Furthermore, it is proposed to allow the performance of non-presidential verifications via Electronic Means, guaranteeing the interoperability and security of information, with the objective of optimizing the evaluation and monitoring processes of commercial credits, reducing the regulatory burden and associated bureaucratic costs, and fostering the stability of the financial system for the benefit of the public, therefore, this National Banking and Securities Commission has resolved to issue the following:

RESOLUTION MODIFYING THE GENERAL PROVISIONS APPLICABLE TO

CREDIT INSTITUTIONS

SINGLE.- Article 46, in its second paragraph, is REFORMED, and Annexes 2 and 4 of the "General Provisions applicable to Credit Institutions", published in the Official Gazette of the Federation on December 2, 2005 and modified through resolutions published in the aforementioned dissemination medium, are SUBSTITUTED, to read as follows:

" Article 46.-

. . .

I. to III. . . .

Notwithstanding what is provided in the first paragraph of this article, Institutions may integrate a credit file for a debtor, borrower or counterparty, subject to the condition that such file contains the information and documentation of all operations carried out with the persons referred to, in terms of what is stated in these provisions. For the celebration of a new credit operation, Institutions may use the information and documentation already existing in the file, subject to the condition that such information and documentation is updated and valid, as appropriate for the obligation provided in these Provisions and in the Institution's internal policy, according to the terms required by each type of credit.

TRANSITORY CLAUSES

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

SECOND. - Institutions shall adjust to what is provided in this Resolution within a period not exceeding 90 calendar days counted from its entry into force.

Respectfully

Mexico City, June 4, 2026.- President of the National Banking and Securities Commission, Ángel Cabrera Mendoza.- Rubric.

" ANNEX 2

DOCUMENTATION AND INFORMATION THAT MUST BE INTEGRATED INTO THE FILES

OF

CONSUMER CREDITS

A.

For the celebration of the credit operation

1.

Credit application duly completed containing the client's handwritten signature or Advanced or Reliable Electronic Signature, or digital fingerprint or their express consent via Electronic Means agreed upon for this purpose, except in those credits where there is no application and whose granting was not expressly requested by the client, but promoted by the Institution.

2.

Documentation accrediting that a Credit Information Report of the credit applicant has been obtained prior to its granting.

3.

Credit contract duly completed containing the client's signature or digital fingerprint or their express consent via Electronic Means agreed upon for this purpose.

4.

Copy of promissory note(s), if applicable.

5.

Invoice or document backing the purchase of the good, if applicable.

B.

Identification of the borrower and their guarantors

1.

Copy of the valid identifications indicated in Articles 51 Bis, 51 Bis 6 or those authorized in terms of Article 51 Bis 8 of these provisions, as applicable, of the borrower and, if applicable, of the guarantor or joint obligor when this is a natural person.

Regarding the voter credential, it will not be necessary to keep a copy of this identification in the file, provided that records of having carried out the verification actions referred to in Article 51 Bis 4 of these provisions are kept.

2.

Copy of the proof of address of the borrower and, if applicable, of the guarantor or joint obligor.

3.

Proof of income or socioeconomic study or payment capacity of the borrower and, if applicable, of the guarantor or joint obligor. For these purposes, Institutions may, in accordance with their previously documented internal policies, consider their records on deposits and charges of resources in the accounts that they have administered on behalf of the aforementioned persons, for at least the last three months.

4.

Information of the Unique Population Registry Key of the borrower and, if applicable, of the guarantor or joint obligor when these are natural persons, in the cases provided for in Article 51 Bis, fraction II of these provisions.

5.

When the guarantor or joint obligor of the borrower is a legal entity, a copy of the documentation accrediting that it is legally constituted must be collected, such as notarial testimonies or public broker policies of constitutive deeds or certified copies as of the date of granting, registered in the Public Commerce Registry, or its equivalent according to the country where they operate.

In the event that the consumer credit is contracted through an attorney or legal representative, in addition to the documents proving such situation, the documents and data contained in numbers 1 and, if applicable, 4 of this section must be collected from the attorney or legal representative.

C.

For the celebration of the credit operation through Electronic Means

In the contracting of consumer credits that Institutions carry out with their Users through Electronic Means, the respective file must contain the following:

1.

Regarding consumer credits whose amount does not exceed the equivalent amount in national currency to three thousand UDIs that are contracted through Electronic Means by clients who fall under the circumstances referred to in Article 307 Bis, fraction I, subparagraphs a) and b) of these provisions, Institutions shall only integrate into the credit file the Credit Information Report that has been obtained prior to its granting.

This is without prejudice to what is provided in Article 41, fractions I and II of these provisions.

2.

For consumer credits whose amount does not exceed an amount equivalent in national currency to three thousand UDIs that are contracted through Electronic Means by clients who fall under Article 307 Bis, fraction I, subparagraph c) of these provisions, the file must contain the following documentation:

a)

Credit Information Report that has been obtained prior to its granting.

b)

Copy of any valid official identification indicated in Article 51 Bis, first paragraph, fraction I, of these provisions, which may be that official identification used for the contracting of Electronic Banking services in accordance with Article 307 of these provisions or that used for the opening of the client's Account.

c)

Copy of the client's proof of address, which may be that used for the opening of the client's Account or that used to contract Electronic Banking services.

d)

Proof of income or socioeconomic study or payment capacity of the client.

For these purposes, Institutions may, in accordance with their previously documented internal policies, consider their records on deposits and charges of resources in the accounts that they have administered on behalf of the aforementioned persons, for at least the last three months.

This is without prejudice to what is provided in Article 41, fractions I and II of these provisions.

3.

Regarding consumer credits whose amount is greater than three thousand UDIs that are contracted through Electronic Means by clients who fall under the circumstance provided for in Article 307 Bis, fraction I of these provisions, Institutions must integrate the credit file with the documentation and information referred to in section A. "For the celebration of the credit operation" and section C. "For the celebration of the credit operation through Electronic Means", number 2, subparagraphs b) to d), of this Annex 2.

This is without prejudice to what is provided in Article 41, fraction I of these provisions.

D.

Monitoring

For the purposes of monitoring the credit, information that allows appreciating the borrower's behavior in fulfilling their credit obligations with the Institution, such as disbursements, payments made, renewals, restructurings, debt forgiveness, adjudications or dations in payment, as well as any other that supports the rating assigned to the credit in question in accordance with the methodologies established in these provisions.

E.

Guarantees

Insurance policy in favor of the Institution, when the nature of the operation and the Institution's regulations so require.

F.

Credits in judicial collection

1.

Periodic and updated information in accordance with the Institution's policies, of the person responsible for the judicial or extrajudicial collection of the credit.

2.

Information accrediting the settlement of debts (dation in payment, adjudication of guarantees and debt forgiveness).

G.

Restructured Credits

1.

Authorization of the restructuring and/or judicial agreement, debt forgiveness and write-offs in accordance with the Institution's regulations or, if applicable, the necessary information in accordance with the applicable institutional programs.

2.

Voice recordings, broadcasting of agreements or, in general, documentation or elements that restructure or judicial agreement, promissory notes, if applicable, including registration in the Public Commerce Registry when required.

H.

Charged-off Credits

1.

Information accrediting that the different recovery instances have been exhausted or, if applicable, the necessary information in accordance with the applicable institutional policies in this matter.

2.

Information through which the corresponding instances request the application of the credit.

I.

Information necessary to exercise the collection action

Promissory note(s) or, if applicable, documents that according to the laws establish the existence of the credit, or that accredit the ability to obtain it when it does not appear in the respective file. In the absence of the above, documentation based on which they accredit being able to exercise any legitimate collection action in favor of the Institution. "

" ANNEX 4

DOCUMENTATION AND INFORMATION THAT MUST BE INTEGRATED INTO THE FILES OF

COMMERCIAL CREDITS WHOSE BALANCE AT THE TIME OF GRANTING IS LESS THAN AN

AMOUNT EQUIVALENT IN NATIONAL CURRENCY TO FOUR MILLION UDIs

I.

Regarding credits for amounts equal to or less than the equivalent in national currency to

four hundred twenty-five thousand UDIs:

a)

For the celebration of the credit operation

1.

Documentation accrediting that a Credit Information Report of the credit applicant and, if applicable, of the guarantor or joint obligor has been requested prior to its granting, as well as the reports issued by credit information societies updated in accordance with the applicable provisions in matters of portfolio rating.

2.

Credit authorizations.

3.

Credit study which may be parametric, in which the borrower or guarantor is analyzed, when the latter is considered in the credit rating process, adjusting in all cases to what is provided by Article 65 of the Law.

4.

Credit contracts, factoring, Discount or Operations of Assignment of Credit Rights with which the same has been documented, including, when the nature of the credit requires it, the registration of the contract in the Public Property Registry or the Commerce Registry.

5.

Regarding legal entities, information that gives evidence of the volume of operations, financial situation, payment capacity or transactions of the borrower, such as bank statements or statements from other financial entities and, if applicable, of the corresponding guarantor or joint obligor, with handwritten signature or Advanced or Reliable Electronic Signature of the legal representative or attorney, or records of the Institutions themselves on deposits and charges of resources in the accounts that they have administered on behalf of said persons during, at least, the last three months.

6.

Regarding natural persons, patrimonial relationship or any other information that gives evidence of their financial situation or payment capacity, such as bank statements or statements from other financial entities, and, if applicable, of the corresponding guarantor or joint obligor, or records of the Institutions themselves on deposits and charges of resources in the accounts that they have administered on behalf of said persons during, at least, the last three months.

In order for Institutions to be able to use the information on the deposits and charges of resources in the accounts that they administer on behalf of the applicant to estimate the payment capacity or transactions of the borrower and, if applicable, of the corresponding guarantor or joint obligor, indicated in numbers 5 and 6 above, they must have evidence that said deposits are in electronic or digitized media deriving from the operation and the provision of banking services through automated systems in accordance with the applicable provisions.

b)

Identification of the borrower and their guarantors

1.

Regarding natural persons, copy of the valid identifications indicated in Articles 51 Bis, 51 Bis 6 and 51 Bis 8 of these provisions, as applicable, of the borrower and, if applicable, their guarantors or joint obligors when these are natural persons.

Regarding the voter credential, it will not be necessary to keep a copy of this identification in the file, provided that records of having carried out the verification actions referred to in Article 51 Bis 4 of these provisions are kept.

2.

Regarding natural persons, Unique Population Registry Key of the borrower and, if applicable, of their guarantors or joint obligors when these are natural persons, which must be verified in accordance with fraction II of Article 51 Bis of these provisions.

3.

Copy of the proof of address of the borrower and, if applicable, of their guarantors or joint obligors.

4.

In the case of legal entities regarding the borrower and, if applicable, their guarantor or joint obligor, copy of the documentation accrediting that they are legally constituted persons, such as notarial testimonies or public broker policies of constitutive deeds or certified copies as of the date of granting, registered in the Public Commerce Registry, or its equivalent according to the country where they operate.

5.

In the case of trusts, copy of the contract, public testimony or certified copy thereof accrediting the celebration or constitution of the trust, registered, if applicable, in the Public Registry corresponding.

6.

The documents and data indicated in numbers 1 and 2 above regarding the attorney or legal representative of the borrower and, if applicable, of the guarantor or joint obligor, which must be verified in accordance with Articles 51 Bis, fraction II and 51 Bis 4 of these provisions, as applicable; in addition to the documents accrediting the powers conferred upon them.

7.

Evidence that the person(s) who sign(s) the contract(s) or credit titles have the legal powers to do so.

c)

Monitoring

1.

Updated information that allows appreciating the borrower's behavior in fulfilling their credit obligations with the Institution, such as disbursements, payments made, renewals, restructurings, debt forgiveness, adjudications or dations in payment, as well as any other that supports the rating assigned to the credit in question.

2.

Reports of on-site visits or non-presidential verifications via Electronic Means, with information and documentation updated and valid as of the date on which the corresponding verification is carried out, in compliance with the Institution's policies, previously documented.

d)

Guarantees

1.

Certificates or verification of existence or non-existence of encumbrances on the guarantees, limitations of ownership or preventive annotations, as well as certificate or verification of registration of the guarantees before the Public Property Registry or the Commerce Registry, if applicable.

2.

Insurance policies for the guarantees in favor of the Institution, when by the nature of the goods and in accordance with the Institution's regulations the contracting of an insurance is required.

e)

Credits in judicial collection

1.

Periodic and updated information, in accordance with the Institution's policies, of the person responsible for the judicial or extrajudicial collection of the credit.

2.

Information accrediting the settlement of debts (dation in payment, adjudication of guarantees and debt forgiveness).

f)

Restructured credits

1.

Feasibility studies of the restructuring, which demonstrate the payment capacity of the debt or the establishment of better credit conditions, such as the granting of additional guarantees, adjusting to what is provided by Article 65 of the Law.

2.

Authorization of the restructuring or judicial agreement, debt forgiveness and write-offs in accordance with the Institution's regulations or, if applicable, the necessary information in accordance with the applicable institutional programs.

3.

Restructuring contracts or judicial agreement or promissory notes, if applicable, including registration in the Public Property Registry or the Commerce Registry when required.

g)

Charged-off credits

1.

Information accrediting that the different recovery instances have been exhausted or, if applicable, the necessary information in accordance with the institutional policies in this matter.

2.

Information through which the corresponding instances request the application of the credit.

h)

Necessary to exercise the collection action

Credit contracts or promissory notes with which the same has been documented.

II.

Regarding credits for amounts greater than the equivalent in national currency to

four hundred twenty-five thousand UDIs and equal to or less than two million UDIs:

a)

For the celebration of the credit operation

1.

Documentation accrediting that a Credit Information Report of the credit applicant and, if applicable, of the guarantor or joint obligor has been requested prior to its granting, as well as the reports issued by credit information societies updated in accordance with the applicable provisions in matters of portfolio rating.

2.

Credit authorizations.

3.

Credit study which may be parametric, in which the borrower or guarantor is analyzed, when the latter is considered in the credit rating process, adjusting to what is provided by Article 65 of the Law.

4.

Credit contracts, factoring, Discount or Operations of Assignment of Credit Rights with which the same has been documented, including, when the nature of the credit requires it, the registration of the contract in the Public Property Registry or the Commerce Registry.

5.

If applicable, information that evidences compliance with what is provided in Articles 73 and 73 Bis of the Law.

6.

Regarding legal entities, the internal financial statements at the close of the immediately preceding fiscal year, as well as the financial statements corresponding to the current fiscal year with a closing date not older than six months, or the annual tax return corresponding to the fiscal year immediately preceding that in which the credit is requested or other information that provides evidence of the volume of operations, financial situation, payment capacity or transactions of the borrower, such as bank statements or statements from other financial entities, and, if applicable, of the corresponding guarantor or joint obligor, with handwritten signature or Advanced or Reliable Electronic Signature of the legal representative or attorney, or records of the Institutions themselves, in accordance with their previously documented internal policies, on deposits and charges of resources in the accounts that they have administered on behalf of said persons during, at least, the last three months.

Regarding natural persons:

i)

Annual tax return corresponding to the fiscal year immediately preceding that in which the respective credit is requested, or

ii)

Bank statements or statements from other financial entities, for at least the last six months, or

iii)

Patrimonial relationship with a date not older than three months in which at least it specifies:

a)

Assets and rights, indicating date of acquisition and maturity, if applicable.

b)

Debts and obligations, indicating date of acquisition and maturity, if applicable, or

iv)

Records of the Institutions themselves, in accordance with their previously documented internal

documented regarding credits and charges of resources in the accounts that they have administered on behalf of said persons for at least the last three months.

In the event of using the asset relationship to estimate the payment capacity of the borrower and, where applicable, the corresponding guarantor or joint and several obligor, the Institutions must have evidence that they have ensured the existence of the assets contained in said asset relationship, maintaining such evidence in the file. Likewise, the person presenting the asset relationship must sign a declaration of the existence, ownership, and condition of the assets in said relationship, as well as acknowledge that they provide the information in order to obtain the requested credit.

For the Institutions to be able to use the information on credits and charges of resources in the accounts that they administer on behalf of the applicant to estimate the payment capacity or transactions of the borrower and, where applicable, the corresponding guarantor or joint and several obligor, as indicated in the first paragraph of this section, they must have evidence that such credits are recorded in electronic or digitized media derived from the operation and the provision of banking services through automated systems in accordance with the applicable provisions.

Where applicable, the information indicated in this section 6 must be integrated regarding the guarantor or joint and several obligor.

b)
Identification of the borrower and their guarantors

1.
In the case of natural persons, copies of the valid IDs indicated in Articles 51 Bis, 51 Bis 6, and 51 Bis 8 of these provisions, as applicable, of the borrower and, where applicable, their guarantors or joint and several obligors when these are natural persons.

Regarding the voter ID, it will not be necessary to keep a copy of this identification in the file, provided that records are kept of having carried out the verification actions referred to in Article 51 Bis 4 of these provisions.

2.
In the case of natural persons, the Unique Population Registry Key (CURP) of the borrower and, where applicable, of their guarantors or joint and several obligors when these are natural persons, which must be verified in accordance with fraction II of Article 51 Bis of these provisions.

3.
Copy of the proof of address of the borrower and, where applicable, of their guarantors or joint and several obligors.

4.
In the case of legal entities regarding the borrower and, where applicable, their guarantor or joint and several obligor, a copy of the documentation that certifies that they are legally constituted persons, such as notarial deeds or public broker policies of constitutive deeds or certified copies as of the date of granting, registered in the Public Commerce Registry or its equivalent according to the country where they operate.

5.
In the case of trusts, a copy of the contract, public deed, or certified copy thereof that certifies the celebration or constitution of the trust, registered, where applicable, in the corresponding Public Registry.

6.
The documents and data indicated in sections 1 and 2 above, regarding the attorney-in-fact or legal representative of the borrower and, where applicable, the guarantor or joint and several obligor, which must be verified in accordance with Articles 51 Bis, fraction II, and 51 Bis 4 of these provisions, as applicable, in addition to the documents that certify the powers conferred upon them.

7.
Evidence that the person(s) who sign(s) the contract(s) or credit instruments have the legal authority to do so.

8.
Document in which the validation of the information mentioned in sections 4, 5, 6, and 7 is recorded, which may be carried out by the competent internal areas of the Institution.

c)
Follow-up

1.
Updated information that allows appreciating the borrower's behavior in fulfilling their credit obligations with the Institution, such as disbursements, payments made, renewals, restructurings, debt forgiveness, adjudications, or dations in payment, as well as any other that supports the rating granted to the credit in question.

2.
Reports of physical visits or non-presidential verifications via Electronic Means, with information and documentation current and updated as of the date on which the corresponding verification is carried out, in compliance with the Institution's policies, previously documented.

3.
Annual update of the Credit Information Report of the credit applicant and, where applicable, of the guarantor or joint and several obligor.

d)
Guarantees

1.
Updated appraisals in accordance with the Institution's policies of the assets that guarantee the debt, and carried out in accordance with the general provisions established by the Commission, where applicable.

2.
Certificates or verification of the existence or non-existence of encumbrances on the guarantees, limitations of ownership, or preventive annotations, as well as certificate or verification of the registration of the guarantees before the Public Property or Commerce Registry, where applicable.

3.
Insurance policies for the guarantees in favor of the Institution, when due to the nature of the assets and in accordance with the Institution's regulations, the contracting of an insurance is required.

4.
Reports of physical visits or non-presidential verifications via Electronic Means, with information and documentation current and updated as of the date on which the corresponding verification is carried out, in compliance with the Institution's previously documented internal policies, for the verification of the existence of the guarantees. Such reports must contain the name, position, and handwritten signature or Advanced or Reliable Electronic Signature of the responsible official.

5.
Information on those guarantees coming from securities and other financial instruments and movable assets that are deposited in general warehouses or regarding which the Institution has a pledge, when these guarantee the debt.

e)
Credits in judicial collection

1.
Periodic and updated information, in accordance with the Institution's policies, of the person responsible for the judicial or extrajudicial collection of the credit.

2.
Information that certifies the settlement of debts (dation in payment, adjudications of guarantees, and debt forgiveness).

f)
Restructured credits

1.
Authorization of the restructuring or judicial agreement, debt forgiveness, and write-offs in accordance with the Institution's regulations or, where applicable, the necessary information in accordance with the applicable institutional programs.

2.
Restructuring contracts or judicial agreements or promissory notes, where applicable, including registration in the Public Property or Commerce Registry when required.

3.
Studies that demonstrate the payment capacity of the debt or the establishment of better credit conditions, such as the granting of additional guarantees, adjusting to what is provided for in article 65 of the Law.

g)
Written-off credits

1.
Information that certifies that the different recovery instances have been exhausted or, where applicable, the necessary information in accordance with the institutional policies in this matter.

2.
Information through which the corresponding instances request the application of the credit.

h)
Necessary to exercise the collection action

Credit contracts or promissory notes with which the same has been documented.

III.
Regarding credits for amounts greater than the equivalent in national currency to two million UDIs and less than four million UDIs:

a)
For the celebration of the credit operation

1.
Documentation that certifies having requested a Credit Information Report of the credit applicant and, where applicable, of the guarantor or joint and several obligor, prior to its granting, as well as the reports issued by credit information societies updated in accordance with the applicable provisions in matters of portfolio rating.

2.
Credit study that may be parametric, in which the borrower or guarantor is analyzed, when the latter is considered in the credit rating process, adjusting in all cases to what is provided for in article 65 of the Law.

3.
Credit authorizations.

4.
Where applicable, information that evidences compliance with what is established in articles 73 and 73 Bis of the Law.

5.
Credit contracts, factoring, Discount, or Credit Rights Cession Operations with which the same has been documented, including, when the nature of the credit requires it, the registration of the contract in the Public Property or Commerce Registry.

6.
In the case of legal entities, internal financial statements at the close of the last two complete fiscal years, as well as the financial statements corresponding to the current fiscal year with a closing date no older than six months, or other information that provides evidence of the volume of operations, the financial situation, payment capacity, or transactions of the borrower, such as bank statements and, where applicable, of the corresponding guarantor or joint and several obligor, with handwritten signature or Advanced or Reliable Electronic Signature, of the legal representative or attorney-in-fact.

In the case of natural persons:

i)
Annual tax returns corresponding to the last two fiscal years of the borrower, or

ii)
Bank statements of at least the last twelve months.

Where applicable, the information indicated in this section 6 must be integrated regarding the guarantor or joint and several obligor.

7.
Cash flow of the borrower for the term of the credit, or projections thereof.

b)
Identification of the borrower and their guarantors

1.
In the case of natural persons, copies of the valid IDs indicated in Article 51 Bis of these provisions, as applicable, of the borrower and, where applicable, of their guarantors or joint and several obligors when these are natural persons.

Regarding the voter ID, it will not be necessary to keep a copy of this identification in the file, provided that records are kept of having carried out the verification actions referred to in Article 51 Bis 4 of these provisions.

2.
In the case of natural persons, the Unique Population Registry Key (CURP) of the borrower and, where applicable, of their guarantors or joint and several obligors when these are natural persons, which must be verified in accordance with fraction II of Article 51 Bis of these provisions.

3.
Copy of the proof of address of the borrower and, where applicable, of their guarantors or joint and several obligors.

4.
In the case of legal entities regarding the borrower and, where applicable, their guarantor or joint and several obligor, a copy of the documentation that certifies that they are legally constituted persons, such as notarial deeds or public broker policies of constitutive deeds or certified copies as of the date of granting, registered in the Public Commerce Registry, or its equivalent according to the country where they operate.

5.
In the case of trusts, a copy of the contract, public deed, or certified copy thereof that certifies the celebration or constitution of the trust, registered, where applicable, in the corresponding Public Registry.

6.
The documents and data indicated in sections 1 and 2 above, regarding the attorney-in-fact or legal representative of the borrower and, where applicable, the guarantor or joint and several obligor, which must be verified in accordance with Articles 51 Bis, fraction II, and 51 Bis 4 of these provisions, as applicable, in addition to the documents that certify the powers conferred upon them.

7.
Evidence that the person(s) who sign(s) the contract(s) or credit instruments have the legal authority to do so.

8.
Document in which the validation of the information mentioned in sections 4, 5, 6, and 7 is recorded, which may be carried out by the competent internal areas of the Institution.

c)
Follow-up

1.
Information that allows appreciating the borrower's behavior in fulfilling their credit obligations with the Institution, such as disbursements, payments made, renewals, restructurings, debt forgiveness, adjudications, or dations in payment, as well as any other that supports the rating granted to the credit in question.

2.
Annual update of the Credit Information Report of the credit applicant and, where applicable, of the guarantor or joint and several obligor.

3.
Reports of physical visits or non-presidential verifications via Electronic Means, with information and documentation current and updated as of the date on which the corresponding verification is carried out, in compliance with the Institution's previously documented policies or the respective contract.

d)
Guarantees

1.
Updated appraisals in accordance with the Institution's policies of the assets that guarantee the debt, and carried out in accordance with the general provisions established by the Commission, where applicable.

2.
Certificates or verification of the existence or non-existence of encumbrances on the guarantees, limitations of ownership, or preventive annotations; as well as certificate or verification of the registration of the guarantees before the Public Property or Commerce Registry, where applicable.

3.
Reports of physical visits or non-presidential verifications via Electronic Means, with information and documentation current and updated as of the date on which the corresponding verification is carried out, in compliance with the Institution's previously documented internal policies, for the verification of the existence of the guarantees. Such reports must contain the name, position, and handwritten signature or Advanced or Reliable Electronic Signature of the responsible official.

4.
Insurance policies for the guarantees in favor of the Institution, when due to the nature of the assets and in accordance with the Institution's regulations, the contracting of an insurance is required.

5.
Information on those guarantees coming from securities and other financial instruments and movable assets that are deposited in general warehouses or regarding which the Institution has a pledge, when these guarantee the debt.

e)
Credits in judicial collection

1.
Periodic and updated information in accordance with the Institution's policies, of the person responsible for the judicial or extrajudicial collection of the credit.

2.
Information that certifies the settlement of debts (dation in payment, adjudications of guarantees, and debt forgiveness).

f)
Restructured credits

1.
Feasibility studies of the restructuring, which demonstrate the payment capacity of the debt or the establishment of better credit conditions, such as the granting of additional guarantees, adjusting to what is provided for in article 65 of the Law.

2.
Authorization of the restructuring or judicial agreement, debt forgiveness, and write-offs in accordance with the Institution's regulations or, where applicable, the necessary information in accordance with the applicable institutional programs.

3.
Restructuring contracts or judicial agreements or promissory notes, where applicable, including registration in the Public Property or Commerce Registry when required.

g)
Written-off credits

1.
Information that certifies that the different recovery instances have been exhausted or, where applicable, the necessary information in accordance with the institutional policies in this matter.

2.
Information through which the corresponding instances request the application of the credit.

h)
Necessary to exercise the collection action

Credit contracts or promissory notes with which the same has been documented.

Regarding factoring, Discount, or Credit Rights Cession Operations, the documentation and information referred to in this annex must correspond to the person on whom the credit risk falls, either the debtor of the transmitted credit rights, or the factor, discounter, or assignor. Additionally, with respect to these operations, the following documentation and information must be integrated into the file:

1.
The document in which the credit right is recorded, as necessary documentation to exercise the collection action referred to in subsection h) of sections I to III above.

2.
Where applicable, the contract that formalizes the operations between the provider of the goods or services or factor, discounter, or assignor and the debtor of the transmitted credit rights.

3.
In the case of Credit Rights Cession Operations, the payment scheme that allows the total recovery of the amount paid to the assignor of the credit rights.

4.
Evidence that the document assigned in favor of the Institution is recognized by the debtor of the transmitted credit rights. This documentation will not be required from Institutions that carry out their factoring operations through the platforms referred to in Article 15 Bis of these provisions.

5.
The express authorization of the factor, discounter, or assignor or of the debtor of the transmitted credit rights, to consult their credit history with any credit information society, as applicable.