Resolution modifying the General Provisions applicable to credit institutions

DOF: 30/12/2024

RESOLUTION modifying the General Provisions applicable to credit institutions

At the margin, a seal with the National Coat of Arms, 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 articles 96 Bis, first paragraph;

98

Bis and 99, first paragraph of the Credit Institutions Law, as well as 4, fractions II, III, V, XXXVI and

XXXVIII; 16, fraction I of the Law of the National Banking and Securities Commission, and

CONSIDERING

That, with the purpose of strengthening the regulatory framework and providing credit institutions with greater

elements of legal certainty that allow them to timely recognize credit risks, it is

necessary to make clarifications regarding the transfer to Stage 3 credit risk portfolio of

housing credits acquired from the National Institute for the Housing Fund for Workers or from

the Housing Fund of the Institute for Social Security and Services for State Workers, has

resolved to issue the following:

RESOLUTION MODIFYING THE GENERAL PROVISIONS APPLICABLE TO

CREDIT INSTITUTIONS

SINGLE.- Paragraph 93 of Criterion B-6 "Credit Portfolio" of Annex 33, of the

"General Provisions applicable to credit institutions" published in the Official Gazette of the

Federation on December 2, 2005 and last modified by the resolution published in the

cited medium on September 30, 2024, is REFORMED; to read as follows:

"ANNEX 33

...

B-6 CREDIT PORTFOLIO

Paragraphs 1 to 92

...

The transfer to Stage 3 credit risk portfolio of the credits that the entity

has acquired from INFONAVIT or FOVISSSTE under the ROA payment modality,

will have the term established in numeral 5 of the previous paragraph plus an additional term

of 90 days, that is, they cannot exceed 180 calendar days past due for the transfer to

Stage 3 credit risk portfolio counted from the date on which any of the following events occurs:

a)

in the case of newly originated credits, from the date on which the

initial recognition of the credit is made in the accounting records of INFONAVIT or

FOVISSSTE;

b)

the borrower initiates a new employment relationship for which they have a new employer, or

93 c)

the entity has received partial payment of the corresponding amortization. The

exception contained in this subsection will be applicable only if each of

the payments made represent at least 5% of the agreed amortization.

Paragraphs 94 to 149

..."

TRANSITORY

SINGLE.- This Resolution will enter into force the day following its publication in the Official Gazette

of the Federation.

Respectfully

Mexico City, December 20, 2024.- President of the National Banking and Securities Commission,

Dr. Jesús

dela

Fuente

Rodríguez.- Rubric.

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