{"id":1782,"date":"2025-07-19T03:36:09","date_gmt":"2025-07-19T03:36:09","guid":{"rendered":"https:\/\/trujilloabogados.mx\/?p=1782"},"modified":"2025-12-31T21:19:05","modified_gmt":"2025-12-31T21:19:05","slug":"reforma-a-la-ley-federal-para-la-prevencion-e-identificacion-de-operaciones-con-recursos-de-procedencia-ilicita-02","status":"publish","type":"post","link":"https:\/\/trujilloabogados.mx\/eng\/reforma-a-la-ley-federal-para-la-prevencion-e-identificacion-de-operaciones-con-recursos-de-procedencia-ilicita-02\/","title":{"rendered":"Reforma a la Ley Federal para la Prevenci\u00f3n e Identificaci\u00f3n de Operaciones con Recursos de Procedencia Il\u00edcita 02"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"1782\" class=\"elementor elementor-1782\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-77e08f1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"77e08f1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e8c3a5b\" data-id=\"e8c3a5b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f176f2d elementor-widget elementor-widget-image\" data-id=\"f176f2d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"576\" height=\"474\" src=\"https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2025\/07\/Newsletter.png\" class=\"attachment-large size-large wp-image-1784\" alt=\"\" srcset=\"https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2025\/07\/Newsletter.png 576w, https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2025\/07\/Newsletter-300x247.png 300w, https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2025\/07\/Newsletter-15x12.png 15w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c80142 elementor-widget elementor-widget-heading\" data-id=\"2c80142\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h5 class=\"elementor-heading-title elementor-size-default\">Mexico City, July 18, 2025<\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e3e2560 elementor-widget elementor-widget-text-editor\" data-id=\"e3e2560\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 05-08-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>New Anti-Money Laundering Obligations for the Real Estate Sector<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-370f756 elementor-widget elementor-widget-text-editor\" data-id=\"370f756\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>On July 16, 2025, a significant reform to the Federal Law for the Prevention and Identification of Transactions Involving Illicit\nProceeds (the \u201cAnti-Money Laundering Law\u201d) was published in the Diario Oficial de la Federaci\u00f3n. This reform directly affects\nindividuals and entities involved in real estate transactions and related financial operations. The amendments entered into force the day after their publication (the \u201cReform\u201d), with certain exceptions. The authorities are expected to issue General Rules within the next 12 months.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7539569 elementor-widget elementor-widget-raven-divider\" data-id=\"7539569\" data-element_type=\"widget\" data-widget_type=\"raven-divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<div class=\"raven-divider\">\n\t\t\t\t<span class=\"raven-divider-line raven-divider-solid\"><\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8f06f88 elementor-widget elementor-widget-heading\" data-id=\"8f06f88\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><b>Designation of Vulnerable Activities<\/b><\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb724e4 elementor-widget elementor-widget-text-editor\" data-id=\"eb724e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tOne of the key aspects of the Reform is the expansion of the catalog of vulnerable activities, along with stricter requirements for identification, documentation, and reporting of high-risk transactions. The following real estate-related operations are now deemed Vulnerable Activities,\nprovided they meet or exceed certain thresholds based on the Unidad de Medida y Actualizaci\u00f3n\n(UMA).\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64173cd elementor-widget elementor-widget-text-editor\" data-id=\"64173cd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>Construction, development, or professional brokerage of real estate when the value of the transaction is equal to or exceeds 8,025 UMAs (~$907,950 MXN)<\/li><li>Receipt of funds intended for real estate developments for sale or lease, subject to the same threshold of 8,025 UMAs<\/li><li>Establishment or amendment of real estate trusts transferring ownership or guaranteeing obligations (except those created to secure financing from financial institutions or public housing agencies), when the transaction equals or exceeds 4,000 UMAs (~$452,560 MXN)<\/li><li>Establishment of rights of use or enjoyment (leases) over real estate with a monthly value exceeding 1,605 UMAs (~$181,590 MXN), and mandatory reporting when the value exceeds 3,210 UMAs (~$363,180 MXN)<\/li><li>Appraisals and other notarized or formalized acts before public notaries or brokers involving properties exceeding 8,025 UMAs (~$907,950 MXN)<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f9a970 elementor-widget elementor-widget-text-editor\" data-id=\"0f9a970\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThese transactions must be reported to the Ministry of Finance and Public Credit (\u201cSHCP\u201d) through the designated electronic system no later than the 17th day of the month following the transaction\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-84ed390 elementor-widget elementor-widget-heading\" data-id=\"84ed390\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><b>Cash Payment Restrictions<\/b><\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c7b2095 elementor-widget elementor-widget-text-editor\" data-id=\"c7b2095\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tThe Reform also introduced specific thresholds for the prohibition on the use of cash, foreign currency, or precious metals\u2014even when processed through financial intermediaries\u2014to settle or pay for real estate transactions, including:\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0c60878 elementor-widget elementor-widget-text-editor\" data-id=\"0c60878\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tcreation or transfer of real rights over real estate when the value equals or exceeds 8,025 UMAs (~$907,950 MXN)\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3940e4 elementor-widget elementor-widget-text-editor\" data-id=\"b3940e4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\testablishment of rights of use or enjoyment (leases) for monthly payments exceeding 3,210 UMAs (~$363,180 MXN)\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70c4934 elementor-widget elementor-widget-image\" data-id=\"70c4934\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"513\" height=\"230\" src=\"https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2025\/07\/dinero.png\" class=\"attachment-large size-large wp-image-1785\" alt=\"\" srcset=\"https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2025\/07\/dinero.png 513w, https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2025\/07\/dinero-300x135.png 300w, https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2025\/07\/dinero-18x8.png 18w\" sizes=\"(max-width: 513px) 100vw, 513px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e822b8a elementor-widget elementor-widget-heading\" data-id=\"e822b8a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><b>Enhanced Compliance Obligations<\/b><\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef4370a elementor-widget elementor-widget-text-editor\" data-id=\"ef4370a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tIn addition to reporting requirements, the Reform introduces a more robust compliance framework for those engaged in Vulnerable Activities. These include:\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-185d257 elementor-widget elementor-widget-text-editor\" data-id=\"185d257\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li><u>Identification of the Beneficial Owner:<\/u>Parties must identify and document the individual who ultimately controls or benefits from the transaction, even if acting through a trust or other legal structure<\/li>\n<li><u>Registration in the Vulnerable Activities Registry:<\/u> Individuals and legal entities must register in the electronic system designated by the SHCP and keep their information up to date<\/li>\n<li><u>Risk Assessment:<\/u> Obligated parties must implement methodologies to identify, assess, and mitigate money laundering risks, including the identification of Politically Exposed Persons<\/li>\n<li><u>Internal Compliance Manual:<\/u> Obligated parties must maintain an internal policy manual outlining procedures and controls to comply with the Anti-Money Laundering Law, including measures for high- risk clients<\/li>\n<li><u>Annual Training:<\/u> Compliance officers, executives, and staff involved in vulnerable activities must undergo mandatory annual training<\/li>\n<li><u>Annual Audits:<\/u> Depending on their level of assessed risk, obligated parties must undergo an internal or independent external audit each calendar year to assess their compliance with legal obligations<\/li>\n<li><u>Automated Monitoring:<\/u> Obligated parties must implement automated systems to monitor client transactions continuously and detect activity that falls outside the client\u2019s risk profile <span style=\"font-size: 1rem;\">operaciones realizadas con <\/span><span style=\"font-size: 1rem;\">clientes o usuarios, y detectar <\/span><span style=\"font-size: 1rem;\">transacciones que no <\/span><span style=\"font-size: 1rem;\">correspondan con su perfil<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ef81094 elementor-widget elementor-widget-heading\" data-id=\"ef81094\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\"><b>Sanctions and Liability<\/b><\/h5>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d849027 elementor-widget elementor-widget-text-editor\" data-id=\"d849027\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>The Reform introduces a stricter penalty regime. Fines for failing to submit required notices or submitting incorrect information may reach up to 65,000 UMAs (~$7,354,100 MXN) or up to 100% of the transaction\u2019s value, whichever is higher. Specific penalties also apply for failure to identify or report the Beneficial Owner<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ee9912 elementor-align-center elementor-widget elementor-widget-raven-button\" data-id=\"5ee9912\" data-element_type=\"widget\" data-settings=\"{&quot;turn_to_popup_action_button&quot;:&quot;no&quot;}\" data-widget_type=\"raven-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-widget-wrapper\">\n\t\t\t<a class=\"raven-button raven-button-widget-normal-effect-none  raven-button-text-align-center raven-button-link elementor-animation-none\" href=\"https:\/\/trujilloabogados.mx\/wp-content\/uploads\/2025\/07\/Amendment-to-the-Federal-Law-for-the-Prevention-and-Identification-of-Transactions-Involving-Illicit-Proceeds.pdf\" target=\"_blank\">\t\t\t\t<div class=\"raven-button-overlay\" ><\/div>\n\t\t\t\t<span class=\"raven-button-content\">\n\t\t\t\t\t\n\t\t\t\t\t<div class=\"button-text-container\">\n\t\t\t\t\t\t\t\t\t<span class=\"raven-button-icon raven-button-icon-position-left\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-file-pdf\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<div class=\"raven-button-texts-wrapper\">\n\t\t\t\t\t\t\t<div class=\"button-text\">\n\t\t\t\t\t\t\t\t<span class=\"raven-button-text\">\n\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t<\/a>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Ciudad de M\u00e9xico, a 18 de julio de 2025 Nuevas Obligaciones en Materia de Prevenci\u00f3n de Lavado de Dinero para el Sector Inmobiliario El pasado 16 de julio de 2025 se public\u00f3 en el Diario Oficial de la Federaci\u00f3n una reforma relevante a la Ley Federal para la Prevenci\u00f3n e Identificaci\u00f3n de Operaciones con Recursos [&hellip;]<\/p>","protected":false},"author":1,"featured_media":1784,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1782","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-publicaciones"],"acf":[],"_links":{"self":[{"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/posts\/1782","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/comments?post=1782"}],"version-history":[{"count":20,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/posts\/1782\/revisions"}],"predecessor-version":[{"id":1851,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/posts\/1782\/revisions\/1851"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/media\/1784"}],"wp:attachment":[{"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/media?parent=1782"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/categories?post=1782"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trujilloabogados.mx\/eng\/wp-json\/wp\/v2\/tags?post=1782"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}