Mexico's National Commission for the Protection and Defense of Users of Financial Services published the results of its 2025 supervision of eight credit unions offering Crédito de habilitación o avío, a short or medium-term loan used to fund day-to-day operating expenses. Only two institutions were fully compliant with rules on financial transparency and the quality of information provided to users after remediation, while four complied only partially. The sector's average score rose from 3.6 in the first stage to 7.6 at the end of the review. The authority added that the detected breaches do not exempt firms from sanctions or other applicable measures. The review had two stages. It first examined customer files including the contract, cover sheet and account statement, along with advertising and websites, and then assessed whether the institutions had corrected the issues identified through forced compliance notices. The main failings were missing descriptions of the transaction and key terms in contracts, no disclosure of how and when account statements would be delivered or how complaints could be filed, commissions shown on cover sheets or websites that were not registered in the Registry of Commissions (RECO), missing disclosures on whether insurance was mandatory or optional, and account statements that omitted commission details and taxes withheld.
CONDUSEF2026-05-25
Mexico's National Commission for the Protection and Defense of Users of Financial Services finds only 2 of 8 credit unions fully compliant in 2025 transparency review of Crédito de habilitación o avío
Mexico’s National Commission for the Protection and Defense of Users of Financial Services published 2025 supervisory results for eight credit unions offering Crédito de habilitación o avío, finding only two fully compliant with financial transparency rules and four only partially compliant, despite an average sector score improving from 3.6 to 7.6. The authority highlighted that breaches remain subject to sanctions and identified recurring deficiencies in contract disclosures, account statement delivery and complaint channels, commission registration and disclosure, insurance terms, and how commissions and taxes are presented on account statements.