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Vulnerable activities: Mexico's financial intelligence unit delays anti-money-laundering certification to 2027; new rules take effect November 30

Real estate firms, developers, car dealers, jewelers and other regulated businesses will have no certification process this year, but must adapt to updated forms and rules.

By Miguel Díaz Miró · Responsible editor ·
Mexico's Finance Ministry building

Mexico's Finance Ministry (SHCP), through its Financial Intelligence Unit (UIF), announced on October 2, 2026, that the anti-money-laundering certification process for those engaged in so-called Vulnerable Activities will not take place in 2026 and will instead be held in 2027.

According to the ministry's statement No. 80, the decision reflects the update of the regulatory framework for these activities and aims for certification to be based on the rules that will be in force.

Dates that still apply

  • August 7, 2026: Agreement 115/2026 was published in the official gazette (DOF), amending the general rules under the Federal Law for the Prevention and Identification of Operations with Illicit Proceeds.
  • September 24, 2026: updated official forms were published for registration and for filing notices and reports.
  • November 30, 2026: the rule changes take effect, except those with specific dates in the transitional provisions.
  • 2027: the certification call will be issued, under Article 34 Bis of the general rules.

The UIF says the call will allow enough time to study the rules, syllabus and preparation materials before the exam. It will publish terms, requirements, stages and deadlines on its official channels and in the DOF.

Who it matters to in Cancún

Mexico's anti-money-laundering law classifies as vulnerable activities, among others, buying, selling and brokering real estate, property development, vehicle sales, trading jewelry and precious metals, property leasing and notarial services. In Cancún, where the real estate and tourism markets involve high-value transactions, this covers many realtors, developers, car dealers, jewelers and professionals involved in property sales.

What regulated businesses should do

  • Don't mistake the delay for a general pause: only certification moves to 2027; customer identification and notice-filing obligations remain in force.
  • Review the forms published on September 24 and make sure your registration is current before November 30.
  • Read Agreement 115/2026 in the DOF with your accountant or compliance adviser to see which changes apply to your activity and whether any has a different start date.
  • Be wary of courses or "certifications" claiming to be official before the UIF publishes its call; valid information will come through the DOF and UIF channels.

For consumers buying a home, a car or jewelry, nothing changes for now: businesses will keep requesting ID and personal data for transactions above the legal thresholds.

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