What Mexico Federal Law for the Prevention and Identification of Transactions with Illicitly Obtained Funds (LFPIORPI) 2012 requires
The Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita (LFPIORPI - Federal Law for the Prevention and Identification of Transactions with Illicitly Obtained Funds) was published in the Diario Oficial de la Federación (DOF) on 17 October 2012 and entered into force on 17 July 2013, following the publication of implementing regulations. LFPIORPI is Mexico's primary AML compliance statute for designated non-financial businesses and professions (DNFBPs), complementing the financial sector AML obligations imposed by the Ley de Instituciones de Crédito (LIC) and Ley General de Organizaciones y Actividades Auxiliares del Crédito (LGOAAC) on regulated financial institutions. LFPIORPI designates 16 categories of 'Actividades Vulnerables' (Vulnerable Activities) in Art. 17 whose operators are subject to AML customer identification, transaction alert, and suspicious transaction reporting (STR) obligations. The 16 vulnerable activities include: casino and gaming operators; real estate agents and developers; dealers in precious metals, gemstones, and jewellery; credit and debit card issuers not regulated by the CNBV; mutual fund managers not regulated by the CNBV; currency exchange operators not regulated by the CNBV; armoured vehicle and security services companies; lottery, raffle, and prize organiser operators; dealers in new and used automobiles, aircraft, and vessels; public notaries and brokers processing property transfers; accountants and auditors providing certain services; lawyers providing certain services including property transfers and company formation; financial advisers not regulated by the CNBV; dealers in artworks and antiques; dealers in collectibles; and traders involved in the federal government's public works procurement. Supervisory authority: the Servicio de Administración Tributaria (SAT - Tax Administration Service) is designated as the supervisory authority for all LFPIORPI-obligated entities and conducts compliance examinations, issues sanctions, and maintains the LFPIORPI registration register. Financial intelligence: the Unidad de Inteligencia Financiera (UIF - Financial Intelligence Unit) within the Secretaría de Hacienda y Crédito Público (SHCP) receives STRs filed by LFPIORPI-obligated entities through the SIGER platform (Sistema de Gestión de Reportes - Report Management System). Compliance obligations: (a) registration with SAT as an obligated entity within the applicable deadlines; (b) appointment of a designated AML Compliance Officer (Oficial de Cumplimiento); (c) KYC/CDD: identification and verification of all customers conducting transactions above identification thresholds using government-issued identity documents; (d) maintenance of a customer file (expediente) for identified customers; (e) filing of 'Avisos' (alerts) with the UIF via SIGER for transactions at or above the applicable alert thresholds; (f) filing of STRs (Reportes de Operaciones Relevantes) for suspicious transactions; (g) cash restriction compliance under Art. 32: certain vulnerable activities may not accept cash payments above 3,210 UDIs (approximately MXN 24,000 in 2024) and must refuse and report any attempted cash payment above this limit; (h) record retention for minimum five years. Transaction thresholds (2024 approximate UDI values, UDI approximately MXN 7.52 per day - updated by Banco de México): cash-restriction prohibition threshold: 3,210 UDIs (approximately MXN 24,000) for casino/gaming, public procurement, and certain federal jurisdiction activities; alert (Aviso) filing threshold: varies by activity type - real estate 8,025 UDIs (approximately MXN 60,000), automobiles/aircraft 3,210 UDIs (approximately MXN 24,000), precious metals/jewellery 805 UDIs (approximately MXN 6,000), professional services (lawyers, notaries, accountants) 3,210 UDIs (approximately MXN 24,000), artworks/antiques 805 UDIs. Criminal provisions: LFPIORPI itself provides administrative sanctions only; money laundering criminal liability is established under Art. 400 Bis of the Código Penal Federal, which applies to any person who knowingly handles, transfers, or conceals proceeds of crime, with imprisonment of 5 to 15 years and a fine of 1,000 to 20,000 times the daily general minimum wage. Administrative penalties: SAT may impose fines of MXN 10,000 to MXN 65,000,000 per violation; serious or systemic non-compliance may result in suspension or cancellation of the authorisation to conduct the vulnerable activity.
Pillar: Financial Crime, AML & Sanctions · Authority: Servicio de Administración Tributaria (SAT); Unidad de Inteligencia Financiera (UIF - SHCP) · Version: 1.0.0 · Last updated:
Primary source: https://uif.hacienda.gob.mx/es/
SHA-256 integrity: b05ca4eaecee587fa220fc557709bcd6da1a50f46928c0daca7bb2c55971ffee
Primary Citations — 7 traced to source
- Ley Federal para la Prevención e Identificación de Operaciones con Recursos de Procedencia Ilícita (LFPIORPI) - published Diario Oficial de la Federación 17 October 2012; entered into force 17 July 2013; establishes AML compliance obligations for 16 categories of Actividades Vulnerables (Art. 17); supervised by SAT; STR reporting to UIF via SIGER
- LFPIORPI, Art. 17 - 16 categories of Actividades Vulnerables (vulnerable activities) subject to LFPIORPI compliance obligations, including casino operators, real estate agents, dealers in precious metals/jewellery, lawyers and notaries providing specified services, automobile and aircraft dealers, and financial advisers not regulated by CNBV
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- Discovery (free): /api/v1/nodes/mx-lfpiorpi-aml-2012.json — 6-field metadata
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- Canonical URL: https://bidda.com/intelligence/mx-lfpiorpi-aml-2012
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