Regulatory Alerts2026-07-02 | DOF 5792397Added · Updated
Resolution modifying the General Provisions applicable to credit institutions regarding characteristics and conditions for bank deposits and payment instruments
The CNBV amends Articles 2 Bis 12, 2 Bis 33, 2 Bis 35, and 120, and substitutes Annexes 1-F and 24 of the General Provisions applicable to credit institutions. The changes clarify that bank deposits and payment instruments easily convertible to cash may serve as admissible real guarantees for capital reduction if they meet specific conditions, including allowing deposits from third parties distinct from the borrower. The resolution updates risk adjustment factors in Annex 1-F and establishes detailed requirements in Annex 24 for the recognition of financial and non-financial guarantees, including verification of registration in the Unified Registry of Movable Guarantees (RUGM) and RUCAM.
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