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For those people who want to apply for a loan to settle their debts from last year, the head of the Condusef service unit, Ignacio Villanueva Chávez, reported that there are currently more than 1,500 Non-Regulated Multiple Purpose Financial Companies in operation in Mexico.
Despite the unfortunate name that these companies have, since it could be understood that no rules apply to them, these types of entities are regulated by financial and tax laws and secondary provisions issued by Condusef, Banco de México and the National Banking Commission. and Securities, including the rules on money laundering.
He explained that the main objective is to grant credit, although they can also raise money. The SOFOM ENR have 4.7 million users, who represent approximately 50% of the clients of the Popular Savings and Credit Sector.
However, it is a sector susceptible to fraud, it has been increasing in different modalities such as messages on Facebook, Messenger, WhatsApp and even at homes. In all variants, criminals take advantage to obtain personal data. Therefore, it is important to take precautions and know how fraudsters operate.
The states with the largest number of SOFOM ENRs are: Mexico City (35%), Nuevo León (11%) and Jalisco (9%).
If you are going to contract a loan, preferably not carry out operations through Facebook or WhatsApp, especially if you are not sure that it is an authorized institution.
“Be wary of those who offer pre-authorized credits that mention not checking your bureau and with very low interest rates. In the event that a promoter visits the home, they must be asked to identify himself and verify his name with the institution he claims to represent ”, he stressed.
Finally, he said that before handing over personal or banking information, you have to make sure that the financial institution is duly registered, speak to the Condusef at 55-53-400-999 or visit the website: www.condusef.gob.mx to verify the status of the SOFOM, as well as registered page and telephones.
