Regulatory Alerts2025-07-23 | DOF 5763620Added · Updated
Resolution modifying the General Provisions applicable to the activities of Savings and Loan Cooperative Societies
The National Banking and Securities Commission amends the General Provisions for Savings and Loan Cooperative Societies to regulate risk diversification by establishing maximum financing limits for members and defining "Common Risk" groups. The resolution introduces specific exposure caps, such as 10% of net capital for individual members and 15% for corporate members, while derogating previous risk diversification sections and adding new articles 193 Bis and 193 Bis 1 to define asset diversification rules and guarantee recognition criteria.
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DOF: 23/07/2025
RESOLUTION modifying the General Provisions applicable to the activities of Savings and Loan Cooperative Societies
At the margin, a seal with the National Coat of Arms, which says: United Mexican States.- Treasury.- Ministry of Finance and Public Credit.- National Banking and Securities Commission.
The National Banking and Securities Commission, based on the provisions of articles 31, first paragraph, fraction IX, and fifth paragraph; 70, third paragraph of the Law to Regulate the Activities of Savings and Loan Cooperative Societies; 98 Bis of the Credit Institutions Law, as well as 4 fractions II, IV, V, XXXVI and XXXVIII, 16, fraction I and 19 of the Law of the National Banking and Securities Commission, and
CONSIDERING
That, in accordance with article 78 of the General Law for Regulatory Improvement and with the purpose of reducing the compliance cost of this Resolution, the National Banking and Securities Commission, through the issuance of the "General Provisions applicable to the activities of controlling companies of financial groups and sub-controlling companies that regulate the matters that correspond jointly to the national supervisory commissions" published in the Official Journal of the Federation on June 29, 2018, ruled by the National Commission for Regulatory Improvement through office COFEME/18/1721, contained in file 05/0033/160418; through which fourteen obligations in the matter of external audit services contracted by controlling companies were eliminated;
That the Law to Regulate the Activities of Savings and Loan Cooperative Societies establishes the authority of the National Banking and Securities Commission to issue, through general provisions, minimum technical or operational guidelines tending to preserve the liquidity, solvency and stability of Savings and Loan Cooperative Societies with levels of Operation I to IV in matters of credit portfolio classification, constitution of preventive estimates for credit risk and risk diversification in operations, among others;
That, in the General Provisions applicable to the activities of savings and loan cooperative societies, the need has been detected to establish a maximum financing limit for Members, both natural and legal persons, with the objective of incentivizing loans and the development of production activities of goods and services that are carried out in areas of social lag;
That, it is necessary to strengthen the regulations of savings and loan cooperative societies to follow up on the "Common Risk" that may arise in entities granting financing, allowing entities to identify and manage more efficiently the risks associated with credit concentrations, and
That, for all the above, in the present "Resolution modifying the General Provisions applicable to the activities of savings and loan cooperative societies", the risk diversification in the operations of savings and loan cooperative societies is regulated, with the purpose that such entities take optimal advantage of risk diversification in their operations, which will translate into a broader and more adapted credit offer to the needs of their members, being in a position to expand the financial services of savings and loan cooperative societies, thus enhancing their impact on the economic and social development of their areas of influence, therefore it has resolved to issue the following:
RESOLUTION MODIFYING THE GENERAL PROVISIONS APPLICABLE TO THE ACTIVITIES OF SAVINGS AND LOAN COOPERATIVE SOCIETIES
SINGLE:
The index and articles 1, fraction LXXI; 17 Bis 39, fraction III; 33, fraction II, subsection b), numeral 1, second paragraph; 34, fraction III; 58, fraction I, subsection c); 73, fraction VI, fourth paragraph; 77, fraction III; 98, fraction I, subsection c); 118, fraction VI, third paragraph; 122, fraction III; 143, fraction I, subsection c); 174, fraction VI, third paragraph; 179, fraction III; 279, fifth paragraph are REFORMED; in TITLE THIRD, Chapter IV, as well as articles 193 Bis and 193 Bis 1 are ADDED; finally, from TITLE THIRD, Chapter II, First Section, Subsection F Risk Diversification in Operations; articles 45; 46; from TITLE THIRD, Chapter II, Second Section, Subsection H Risk Diversification in Operations; 85; 86; from TITLE THIRD, Chapter II, Third Section, Subsection H Risk Diversification in Operations; 130; 131; from TITLE THIRD, Chapter II, Fourth Section, Subsection H Risk Diversification in Operations; 188; 189, of the "General Provisions applicable to the activities of savings and loan cooperative societies", published in the Official Journal of the Federation on June 4, 2012 and modified through resolutions published in the aforementioned medium of dissemination, are DEROGATED, to remain as follows:
" INDEX
TITLE FIRST
to SECOND . . .
TITLE THIRD . . .
Chapter I . . .
Chapter II . . .
First Section . . .
Subsections A to E . . .
Subsection F Derogated
Second Section . . .
Subsection A to G . . .
Subsection H Derogated
Third Section . . .
Subsection A to G . . .
Subsection H Derogated
Fourth Section . . .
Subsection A to G . . .
Subsection H Derogated
Chapter III . . .
Chapter IV Risk Diversification in Operations
TITLES FOURTH
to EIGHTH . . .
List of Annexes
ANNEX A
to U . . .
Article 1.- . . .
I. to LXX. . . .
LXXI. Member, singular or plural, to the natural or legal persons that participate in the social capital of the Savings and Loan Cooperative Societies in accordance with the Law;
LXXII. to LXXXI. . . . . . . "
" Article 17 Bis 39.- . . .
I. to II. . . .
III. They will deliver continuously and permanently to the commissioned agents, the information that the Societies must provide to their Members for the transactions carried out, in order that such commissioned agents, in turn, provide it to the Members.
. . .
IV. and V. . . . "
" Article 33.- . . .
I. . . .
II. . . .
. . .
a) . . .
b) . . .
- . . .
i) . . .
ii) . . .
In the case of borrowers that represent a "Common Risk", in accordance with what is established in article 193 Bis of these provisions, the file that is formed must identify the belonging of the Member to the group of "Common Risk" to which it corresponds. In any case, the Societies must establish the measures that allow at all times to identify the members of the groups of "Common Risk" that exist.
2 to 12. . . .
c) and d) . . .
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the net capital of the Society that corresponds to the closure of the third month prior to that of the date on which said calculation is made. This criterion shall not apply to liabilities incurred with national and international public trusts and development funds, with multiple banking institutions established in the country, with national and international development banking institutions, nor with international organizations. III. Exceptions. The Commission, at the request of the interested Society, accompanied by the opinion of the Auxiliary Supervision Committee, may authorize in exceptional cases, specific operations for amounts exceeding the limits indicated in fraction I inciso a) numeral 4 of this article. Article 193 Bis 1.- Savings and Loan Cooperative Societies shall request the information and documentation necessary toverify if a Member forms part of a group of Members that represent " Common Risk ", in accordance with the circumstances referred to in Article 193 Bis, fraction I inciso c) of these provisions, at the time of making or requesting financing operations that cause the sum of their financing to exceed 1 percent of the net capital of the Society, which corresponds to the closure of the third month prior to that of the date on which said calculation is made. For these limits, the portion covered under the terms indicated in Article 193 Bis fraction I inciso d) of these provisions shall not be considered. To this end, Savings and Loan Cooperative Societies shall define and document the procedure for integrating the necessary information, so that they can confirm or discard whether a Member or group of Members represents a " Common Risk " or, in its case, discard the application of the referenced concept, regarding some Member or group of Members. Such procedures shall be documented and maintained updated annually and available to present to the Commission responsible for their supervision at the time they are requested. When requesting the information and documentation, Societies shall warn subscribers about the legal consequences of presenting false information to obtain financing. When the Society has elements that allow inferring the existence of links between different borrowers, and that these links could, as a whole, exceed the diversification limits established in Article 193 Bis of these provisions, it shall establish specific monitoring procedures to give continuous follow-up to the behavior of the persons involved. Savings and Loan Cooperative Societies shall communicate to the Commission violations of the limits established in this chapter, within ten business days following the date on which they have detected the cited violations. Such communication shall include the immediate actions to be taken to comply with the limits that would have been exceeded. Without prejudice to the sanctions that may apply for non-compliance with the referenced limits, Societies shall adhere to the treatment established in Articles 26, fraction IV; 52, fraction IV; 92, fraction IV and 137, fraction VI of these provisions, in the calculation of the net capital of the immediately following month. For these purposes, the amount of financing granted that exceeds the maximum financing limits established in Article 193 Bis shall be considered as " operation in contravention of applicable provisions ", and shall be compared with said limits in gross terms, and deducted in net terms from the corresponding estimates. The above shall not apply to liquidity loans granted to other Savings and Loan Cooperative Societies, in accordance with what is established in Article 20 fraction I of these provisions. " Article 279.- . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ....... In the case of Member legal entities, a certified copy of the public deed of the society shall be presented. TRANSITORY PROVISIONS FIRST.- This Resolution shall enter into force on the day following its publication in the Official Gazette of the Federation. SECOND.- This Resolution shall be applicable to financing operations that are in effect on the date of entry into force of this instrument, independent of the date on which they were concluded. THIRD.- Savings and loan cooperative societies shall have a period of 6 months after entry into force to determine the data integration procedures that allow them to ensure the existence of " Common Risk " in accordance with what is established in Article 193 Bis 1 of this Resolution. Respectfully Mexico City, July 15, 2025.- President of the National Banking and Securities Commission, Dr. Jesús de la Fuente Rodríguez .- Rubric. In the document you are viewing, there may be text, characters, or objects that do not display correctly due to conversion to HTML format, so we recommend always taking as reference the digitized image of the DOF or the PDF file of the edition. The content, form, and scope of published documents are the strict responsibility of their issuer. CONSULT BY DATE Do Lu Ma Mi Ju Vi Sá INDICATORS Exchange Rate and Rates as of 08/23/2026 UDIS 8.805888 See more SURVEYS Did you like the new look of the Official Gazette of the Federation website? No Yes Official Gazette of the Federation Río Amazonas No. 62, Col. Cuauhtémoc, C.P. 06500, Mexico City Tel. (55) 5093-3200, where you can access our service menu Electronic address: dof.gob.mx 111 LEGAL NOTICE | SOME RIGHTS RESERVED © 2026
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