i-America neCaribbean

i-Mexico

Mexico has the second largest financial system in Latin America. I-Comisión Nacional Bancaria y de Valores (CNBV) igunyaza amabhange, amafemu ezimali kanye nezinhlangano ze-fintech. I-Banco de México ibhala izimo zokukhokha kanye nemithetho yempahla ebonakalayo futhi kufanele ihlinzeke ngombono wayo noma inqume ngezigunyazo ezibalulekile. The 2018 Ley Fintech created licences for electronic payment fund institutions and crowdfunding platforms.

Isibhamu sengoziIsiqephu

FATFAkukho kuluhlu

EU AML uhlu lwengozi ephezuluAkukho kuluhlu

i-EU tax listAkukho kuluhlu

Izinhlelo zelayisense7

Imalii-MXN

Izinga le-S&PBBB

Ukhetho Olulandelayo6 kuJuni 2027

IMexico ayikho ku- FATF grey noma ku-black lists ngemuva kwe 19 June 2026 plenary (akukho Oktobha 2026 isinqumo se-plenary okwamanje). Ayikho ohlwini lwezwe lesithathu elinomthelela omkhulu e-EU (Imithetho egunyaziwe (i-EU) 2016/1675 njengoba yaguqulwa ngoMthethosivivinywa ogunyaziwe (i-EU) 2026/46 ne 2026/83, esebenzayo 29 kuJanuwari 2026). Ayikho ku-Annex I noma ku-Annex II we-EU tax list ebuyekezwe yizinqumo zeNhlangano ngo 9 Okthoba 2026. Kuhlolwe 13 Okthoba 2026.

Umbuso nepolitiki

UMbuso: Izwe lePhalamende Lesifundazwe
UMengameli: Claudia Sheinbaum · kusukela ngo-Okthoba 2024
UMengameli: UClaudia Sheinbaum (Morena (Inhlangano Yokuvuselelwa Kwezwe)
Amaqembu alawulayo: Morena (Umkhankaso Wokuvuselelwa Kwezwe), i-Ecologist Green Party yaseMexico (PVEM), i-Labor Party (PT)
Ukhetho oludlule: IGeneral (isikhulu esiphezulu kanye nengqungquthela), ngoJuni 2, 2024
Ukhetho Olulandelayo: I-Federal midterm (Chamber of Deputies) eneziphathimandla ezingu-17, ngoJuni 6, 2027. I-INE yavula inqubo yokhetho lwe-federal ngoSepthemba 10, 2026. Wonke amalungu ayi-500 ePhalamende akhethiwe. UMengameli usebenza iminyaka engu-6 kuphela kuze kube ngu-2030.
Umthethosivivinywa: I-Congress of the Union: bicameral; iChamber of Deputies 500 seats, Senate 128 seats. UMorena, iPVEM ne-PT coalition ibambe inani elikhulu elifanele eChamber of Deputies.
Indlela yomthetho: Umthetho wesizwe

Economics and finance

Abahlali: 133.4m (2025)
I-GDP: i-USD 1.8tn (2025)
I-GDP ngamuntu: i-USD 13,759 (2025)
Imali: i-Mexican peso (MXN)
Ibhange Eliphakathi: i-Mexico
Izinga lemali: iS&P BBB (i negative) · Moody's Baa3 (istable) · Fitch BBB- (i stable) (ngoMeyi 2026)

I-Latin America's ingxenye yesithathu enkulu kakhulu yezomnotho, eyenziwe ngokukhiqizwa kwempahla ephumayo ehlobene neNtshonalanga yaseMelika. Amabhange alawulwa yiNational Banking and Securities Commission (CNBV), futhi iBanxico iqhuba ipolitiki yemali.

Ibhange

Ukugunyazwa ukuhlela futhi usebenze njengebhange lokuhweba

Imali encane90 million UDIs for a bank whose statutes allow all operations in art. 46 of the law (LIC art. 19; CUB art. 2, I and IV). A bank limited to the operations listed in CUB art. 2, II needs 54 million UDIs. No bank may have less than 40% of the full amount (LIC art. 19). Capital must be paid in by the last business day of each year, at the UDI value of 31 December of the previous year.

IsikhathiAkukho kushicilelwe

IgunyaI-Comisión Nacional Bancaria y de Valores, ngombono othandekayo we-Banco de México

Ama-UDIs ayizigidi ezingama-90 zebhange elinokugunyazwa komthetho ovumela wonke amaphrojekthi engxenyeni engu-46 yomthetho (i-LIC ingxenye engu-19; i-CUB ingxenye engu-2, I ne-IV). Ibhange elilinganiselwe kumaphrojekthi abhalwe ku-CUB ingxenye engu-2, II lidinga ama-UDIs ayizigidi eziyi-54. Akukho bhange elinamanani angaphansi kuka-40% wemali ephelele (i-LIC ingxenye engu-19). Um kapitali kufanele ukhokhwe ngosuku lokugqibela lwebhizinisi lonyaka ngamnye, ngexabiso le-UDI ngomhla ka-31 kuDisemba wonyaka odlule.

Umthetho: Ley de Instituciones de Crédito, arts. 8, 9, 10, 19 and 46 Bis; Disposiciones de carácter general aplicables a las instituciones de crédito (Circular Única de Bancos), art. 2
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

I-Sociedad Anónima yaseMexico enezimali eziqinile nekheli layo eMexico (isiqephu 9)
Uhlu lwabanikazi bezimali kanye nomthombo wemali, iminyaka emithathu yemibiko yezimali kanye nokuqinisekiswa kwegama elingcono (isiqephu 10, II)
Izinhlelo zebhizinisi ezibandakanya ucwaningo lwezokuphepha kwezomnotho kanye nezindlela zokuvikela (isiqephu 10, IV)
Ukufaka imali engu-10% yemali engenayo encane kakhulu exhaswe yiKhabhinethi Yezwe (isiqephu 10, V)
Akukho inzuzo enyaka wokuqala wesithathu wezimali ngaphandle kokuthi um kapitali uphakeme kakhulu kunalokho okudingekayo (isiqephu 10, IV f)
Igunya elihlukile le-CNBV lokuqalisa imisebenzi ngemuva kokuvakashelwa kokuhlola (isiqephu 46 Bis)

Sources(2)

CNBV: Ley de Instituciones de Crédito (consolidated to the reform of 14 November 2025) · checked 2026-10-13
CNBV: Disposiciones de carácter general aplicables a las instituciones de crédito (consolidated) · checked 2026-10-13

Ibhange

Filial de institución financiera del extranjero (ibhange elingaphansi lenhlangano yezimali yangaphandle)

Imali encaneIzinga eliphansi elifana nebhange lasekhaya: 90 ama-UDIs ayizigidi zonke izisebenzi, noma 54 ama-UDIs ayizigidi iqembu elilinganiselwe lezisebenzi (i-LIC art. 19; Umdwebo we-CUB 2)

IsikhathiAkukho kushicilelwe

IgunyaI-Comisión Nacional Bancaria y de Valores, ngemuva kokulalela i-Banco de México

Izinga eliphansi elifana nebhange lasekhaya: 90 ama-UDIs ayizigidi zonke izisebenzi, noma 54 ama-UDIs ayizigidi iqembu elilinganiselwe lezisebenzi (i-LIC art. 19; Umdwebo we-CUB 2)

Umthetho: Ley de Instituciones de Crédito, arts. 45-A to 45-G
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Ubaba kufanele abe yinhlangano yezimali ezweni elinasivumelwano noma isivumelwano neMexico esivumela izisebenzi ezingaphansi (isiqephu 45-A)
Umzali kufanele akwenzele umsebenzi ofanayo ezweni lakhe lokuzalwa (isiqephu 45-E)
Izilinganiso zesigaba F kumele zimele cishe i-51% yekapitali (isiqephu 45-G)
Izidingo ezifanayo njengebhange lasekhaya kanye nemithetho ehlobene yeSecretaria de Hacienda (amapharamitha 45-B no-45-F)

Sources(1)

CNBV: Ley de Instituciones de Crédito (consolidated to the reform of 14 November 2025) · checked 2026-10-13

Ibhange

Oficina de representación de entidad financiera del exterior

Imali encaneAkukho kushicilelwe

IsikhathiAkukho kushicilelwe

IgunyaI-National Banking and Securities Commission

Umthetho: Ley de Instituciones de Crédito, art. 7
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Akukho ukudluliswa kwezimali okudinga imvume yesifundazwe
Akukho kuthatha imali emphakathini
Ngabe unikeza abaxhasi ulwazi mayelana nokusebenza okwenziwa ngumzali ezweni lakhe lokuhlala
Akukho ukukhangisa kwemikhiqizo yediphozithi kumphakathi jikelele
Kuhambisana nemithetho yeSecretaria de Hacienda kanye nokuhlolwa kwe-CNBV

Sources(1)

CNBV: Ley de Instituciones de Crédito (consolidated to the reform of 14 November 2025) · checked 2026-10-13

Inhlangano yemali-elektroniki

Inhlangano yezimali zokukhokha ze-elekthronikhi

Imali encaneUDIs ezingu-500,000 ze-IFPE esebenza ngepezo kuphela (isiqephu 6). UDIs ezingu-700,000 uma igunyazwe futhi ngezimpahla ezibonakalayo, imali yangaphandle, ukusebenzela njengendlu yokukhokha amanethiwekhi, noma izimpahla ezenziwe ngezimpahla ezibonakalayo (isiqephu 7).

IsikhathiIzigunyazo ezidinga i-Comité Interinstitucional kufanele zithathelwe isigqibo ngaphakathi kwezinsuku ezingama-180 (Ley Fintech art. 6). Igunya lingawudlulisa lo mkhawulo kuze kube yingxenye ngesicelo somqashi.

IgunyaI-Comisión Nacional Bancaria y de Valores, ngesivumelwano seComité Interinstitucional (SHCP, Banco de México ne-CNBV)

I-UDIs engu-500,000 ye-IFPE esebenza nge-pesos kuphela (isiqephu 6). I-UDIs engu-700,000 uma igunyazwe futhi ngezimpahla zedijithali, ngemali yangaphandle, esebenza njengendlu yokukhokha yezinkundla zokukhokha, noma izimpahla ezivela kuzinto zedijithali (isiqephu 7).

Umthetho: Ley para Regular las Instituciones de Tecnología Financiera (Ley Fintech), arts. 6, 11, 22 to 29 and 35 to 40; Disposiciones de carácter general aplicables a las instituciones de tecnología financiera, arts. 6 to 9
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Sociedad anónima yaseMexico enekheli layo eMexico (isiqephu 36)
Izinhlelo zebhizinisi, imithetho yokuhlukaniswa kwemali yamaklayenti, ukuphepha kwe-IT kanye nemithetho ye-AML (isiqephu 39)
Imininingwane yomthengisi kanye nomqondisi ebonisa isikhundla esihle kanye nomlando wekhadi lesikweletu (isiqephu 39, XI ne XII)
Isiqiniseko sokulungiselela izinsuku ezingu-30 zomsebenzi ngaphambi kokuqala; CNBV neBanco de México zingabheka (isiqephu 40)
Akukho inzuzo noma ukubuyiselwa kwemali okuzokhokhiswa abaxhasi ngezimali zabo (isiqephu 29)
Imali engenayo egcinwe ku-10,000 UDIs ngamakhasimende ngonyaka kanye nokukhipha imali ku-1,500 UDIs ngosuku (DCG art. 9)

Sources(2)

CNBV: Ley para Regular las Instituciones de Tecnología Financiera (consolidated to the reform of 14 November 2025) · checked 2026-10-13
CNBV: Disposiciones de carácter general aplicables a las instituciones de tecnología financiera (consolidated) · checked 2026-10-13

Inkampani yokutshala imali

I-IFC

Imali encaneI-UDIs engu-500,000 ye-IFC egunyazwe uhlobo olulodwa lokusebenza nge-pesos (isiqephu 6). I-UDIs engu-700,000 yohlobo olulodwa noma olungaphezulu, noma lokusebenza ngezimpahla ezibonakalayo noma ngemali yangaphandle (isiqephu 7).

IsikhathiUsinqumo ngaphakathi kwezinsuku ezingu-180 lapho iKomiti Eliphakathi Kwezinhlangano lizovuma khona (Ley Fintech art. 6)

IgunyaI-Comisión Nacional Bancaria y de Valores, ngesivumelwano seComité Interinstitucional

Ama-UDIs angama-500,000 we-IFC agunyazwe uhlobo olulodwa lokusebenza nge-pesos (isiqephu 6). Ama-UDIs angama-700,000 ezinhlobo ezimbili noma ezingaphezu kwazo, noma ukwenziwa kwezimpahla zedijithali noma izimali zakwamanye amazwe (isiqephu 7).

Umthetho: Ley Fintech, arts. 6, 15, 16 and 35 to 40; Disposiciones de carácter general aplicables a las instituciones de tecnología financiera, arts. 6 to 8
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Izinhlobo ezintathu zokusebenza: i-debt, equity, kanye ne-co-ownership noma royalties crowdfunding (isiqephu 16)
Imisebenzi yenziwe nge-pesos ngaphandle kokuthi iBanco de México ivumele imali yangaphandle noma izimpahla ezibonakalayo (isiqephu 16)
Amasevisi ahlinzekwa angabhaliswa kuRegistro Nacional de Valores (isiqephu 16)
Isicwangciso sokulinganisa isithakazelo kufanele sichazwe esiceloni (isiqephu 39, XV)
Izidingo ezifanayo zenkampani, zokulawula kanye ne- AML njengezinye izinhlangano ze-fintech (isiqephu 36 no-39)

Sources(2)

CNBV: Ley para Regular las Instituciones de Tecnología Financiera (consolidated to the reform of 14 November 2025) · checked 2026-10-13
CNBV: Disposiciones de carácter general aplicables a las instituciones de tecnología financiera (consolidated) · checked 2026-10-13

Umhlinzeki wenkonzo yezinto ezibonakalayo (VASP)

Ukushintshana kwempahla yedijithali kanye nokugcinwa njengemisebenzi e vulnerable

Imali encaneAkukho kushicilelwe

IsikhathiAkukho kushicilelwe

IgunyaSecretaría de Hacienda y Crédito Público (AML ukubhaliswa kanye nezimemezelo); Banco de México (ukusebenza kwempahla yedijithali yamabhange namaqembu e-fintech)

Umthetho: Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita, arts. 17, XVI and 18 (as reformed by decree published 16 July 2025); Ley Fintech, arts. 30 to 34; Banco de México Circular 4/2019, rule 3
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Akunalayisense lokunikeza izinsizakalo zezinto ezibonakalayo
Izinhlangano ezingaba ngezimali ezishintshana, zigcina noma zidlulisa izimpahla zedijithali zabaxhasi zenza umsebenzi o vulnerable (isiqephu 17, XVI)
Kufaka phakathi ukwenziwa kwemisebenzi nabantu baseMexico abavela kwezinye izifundazwe (isiqephu 17, XVI)
Bamele babhalise ku-Padrón yemisebenzi e vulnerable nge portal yomphakathi (isigaba 18, IV Bis)
Bamele baphawule wonke umxhasi futhi bagcine amarekhodi iminyaka engaphezu kweyishumi (isiqephu. 18)
Izimemezelo zidinga ukukhokhwa uma kwenziwa imisebenzi yekhasimende engaphezu kuka-210 we-UMA ngosuku noma ngaphezulu, noma izindleko ezingaphezu kuka-4 ze-UMA ngosuku noma ngaphezulu (isiqephu 17, XVI)
Amabhange namaqembu e-fintech angasebenzisa ama-virtual assets kuphela kumisebenzi yangaphakathi, ngosizo lwe-Banco de México (Circular 4/2019, rule 3)
I-Banco de México ayizogunyaza amabhange noma izinhlangano ze-fintech ukuthi zinikeze ukushintshaniswa, ukudluliswa noma ukugcinwa kwezimpahla ezibonakalayo ngokuqondile kumakhasimende (Circular 4/2019, imithetho engu-3)

Sources(5)

DOF: Decreto por el que se reforman y adicionan diversas disposiciones de la LFPIORPI, 16 July 2025 · checked 2026-10-13
Banco de México: Circular 4/2019 (compiled text including Circular 37/2020) · checked 2026-10-13
Banco de México: Circular 4/2019 page · checked 2026-10-13
Banco de México, SHCP and CNBV: warning on the risks of virtual assets, 28 June 2021 · checked 2026-10-13
CNBV: Ley para Regular las Instituciones de Tecnología Financiera (consolidated to the reform of 14 November 2025) · checked 2026-10-13

Inkampani yokutshala imali

Ukugunyazwa komthengisi wezimali

Imali encaneImali ekhokhwayo engu-3 million UDIs yezinkampani ezidalwe ukucebisa, ukubeka kanye nezinsizakalo ezifanayo ezingasebenzisi izitolo (isiqephu 10, I). Izigidi ezingama-9 UDIs zezinye izinsizakalo eziningi (isiqephu 10, II). Izigidi ezingama-12.5 UDIs zokudlulisa amasevisi e-LMV isiqephu 171, IV kuya ku-VI (isiqephu 10, III).

IsikhathiAkukho kushicilelwe

IgunyaI-National Banking and Securities Commission

Imali ekhokhiwe yezigidi ezingu-3 ze-UDIs zezinkampani ezilinganiselwe ekucebiseni, ekubekeni kanye nezinsizakalo ezifanayo ezingasebenzisi izitolo (isiqephu 10, I). Izinkulungwane eziyi-9 ze-UDIs zamanye amasevisi amaningi (isiqephu 10, II). Amamilione ayi-12.5 we-UDIs wokudlulisa amasevisi e-LMV isiqephu 171, IV kuya ku-VI (isiqephu 10, III).

Umthetho: Ley del Mercado de Valores, arts. 113 to 117; Disposiciones de carácter general aplicables a las casas de bolsa, art. 10
Ukudluliswa kwepasipoti: Akukho mthetho wokufaka ipasipoti.

Izidingo ezibalulekile

Sociedad anónima ngegama le-casa de bolsa nekheli layo eMexico (isiqephu 115, I)
Uhlu lwabanikazi bezimali kanye nomthombo wemali kanye nemininingwane yabaqondisi nabaphathi (isiqephu 115, II)
Izinhlelo zebhizinisi ezihambisana nokuphepha kwe-IT, ucwaningo lokusebenza kahle nokulawulwa kwangaphakathi (isiqephu 115, III)
Imithetho yokuziphatha nenqubomgomo yokungqubuzana kwezintshisekelo (isiqephu 115, IV)
Ukufaka imali engu-10% yemali engenayo encane esizosiza iKhabhinethi Yezwe (isiqephu 115, V)
Isiqiniseko semali, abaphathi abafanele kanye nezinhlelo zokwakha izinsuku ezingu-30 zomsebenzi ngaphambi kokuqala (isiqephu 116)

Sources(2)

CNBV: Ley del Mercado de Valores (consolidated to the reform of 14 November 2025) · checked 2026-10-13
CNBV: Disposiciones de carácter general aplicables a las casas de bolsa (consolidated) · checked 2026-10-13

Ama-Supervisors

Ubani olawula

I-National Banking and Securities Commission (CNBV) iwebhusayithiamabhange, izinhlangano zemali ye-e-
Banco de México (Banxico) · iwebhusayithiamabhange, izinhlangano zemali ye-E, abahlinzeki bezinsizakalo zempahla ebonakalayo (VASPs)
Secretaría de Hacienda y Credito Público (SHCP) · websiteVirtual asset service providers (VASPs)

Izindleko zezimali eMexico zibekwe nge-Unidades de Inversión (UDIs). I-UDI iyiyunithi ye-akhawunti ehlobene nokwehla kwentengo eshicilelwe yi-Banco de México. Ayikho imali engenayo. Amanani agcinwa ku-UDIs ngaphansi kwekhodi ye-ISO MXV, futhi akukho nombolo ye-peso enikezelwa. Kubhange, izinhlangano ze-fintech kanye nabahlinzeki bezimakethe, okuncane kufanele kukhokhwe ngosuku lwebhizinisi lwamuva lonyaka ngamanani we-UDI kaDisemba 31 wonyaka odlule. I-Ley de Instituciones de Crédito ne-Ley del Mercado de Valores ayibekenga isikhathi esilinganiselwe se-CNBV sokukhetha igunya lebhange noma lomhlinzeki-umhlinzeki, ngakho-ke lezi zinsuku zokuqala azikho. Akukho zindleko zokufaka isicelo se-CNBV zaqinisekiswa kusuka kumasu asemthethweni, ngakho-ke amabhokisi emali angekho. Izimpahla ezibonakalayo: i-Ley Fintech ivumela iBanco de México ukuthi ikhethe ukuthi yiziphi izinto ezibonakalayo ezisetshenziswa ngabahlinzeki bezimakethe. Nge-Circular 4/2019, i-Banco de México ivumela kuphela imisebenzi yangaphakathi, hhayi izinkonzo zomxhasi. NgoJuni 2021 i-Banco de México, i-SHCP ne-CNBV zasho ukuthi izinhlangano zezezimali azivunyelwanga ukunikela ngokusebenza kwezimpahla ezibonakalayo kubantu. Ukuvuselelwa kukaJulayi 2025 AML kwanikeza i-SHCP iminyaka emihlanu ukufaka kabusha umthetho wayo jikelele; ngabe lawa mithetho ikhishwe noma cha akukaqinisekisiwe. Sociedades financieras populares, casas de cambio, transmisores de dinero, abaphathi bemali, izinkokhelo kanye nezitifiketi zokugembula ngaphansi kwe-Ley Federal de Juegos y Sorteos akufanele zifakwe kulolu kuhlolwa.

Ulwazi oluphelele

Manje ngeMexico

Izilimi zesihlabathi. I-map ikhombisa kuphela.

Isimo: Izwe elilawulayo
Idolobhakazi: i-Mexico City
Indawo: 1,964,375 km²
Izilimi ezisemthethweni: isiShayina, ngaphezu kwezilimi ezingu-68 zakwamanye amazwe, kuhlanganise ne Nahuatl
Indawo yesikhathi: UTC-06:00 (iMexico City, akukho isikhathi sokulondoloza isikhathi sonyaka kusukela ngoOkthoba 2022; iBaja California neminye imiphakathi yomgwaqo wasentshonalanga ilandela ushintsho lwesikhathi saseMelika)

Ukuthunyelwa okuyinhloko

Ikhompyutha nemishini
Izimoto, izithuthuthu nezingxenye zezimoto
Imishini ye-elekthronikhi neyokushaja
Amathuluzi e-optical, amathuluzi obuchwepheshe kanye namathuluzi emithi
I-oyile eluhlaza kanye nophethiloli weminerali

Abahlanganyeli abakhulu

i-United States
i-Canada
i-China
IJalimane
i-Korea enyakatho

Sources for the country information(19)

Ulwazi lwezwe luhlolwe ngo-Okthoba 13, 2026. Idatha yelayisense ivuselelwe ngo-Okthoba 13, 2026. Ulwazi kuphela, hhayi incazelo yomthetho; izimfuneko zishintshile. Isaziso sokulawula.

Sources for the licensing information(5)