When to file the Mexican AML notice and what happens if there were no transactions
The Mexican LFPIORPI notice is due by the 17th of the following month. What the XML contains, how to file on the SAT portal, what to do in zero-activity months, and key reform changes.
The monthly vulnerable activity notice is the most visible obligation under Mexico's Federal Anti-Money Laundering Law (LFPIORPI). This guide explains filing deadlines, required XML schemas, transmission through the SAT portal, and how to file zero-activity reports.
The Deadline: Due by the 17th of the following month
Article 23 of the LFPIORPI establishes the deadline: notices must be filed no later than the 17th day of the month immediately following the transaction. For example, March operations must be reported by April 17th.
What the XML filing contains
The notice is an XML file structured according to the SAT's official XSD schema for each vulnerable activity (19 distinct schemas under Article 17). It contains subject data, customer identification, ultimate beneficial ownership details, and operation values converted to UMA.
Months without reportable operations: The Zero-Report
If no reportable transactions took place in a given month, reporting entities must submit an official zero-activity report (informe en ceros) pursuant to Article 25 of the General Rules. Skipping filings leaves critical audit gaps.
How PLDUnity solves it
PLDUnity flags reportable operations automatically, generates SAT-validated XML files, produces one-click zero reports, and archives encrypted acknowledgments for 10-year retention.
Descarga la Guía Ejecutiva de Cumplimiento LFPIORPI en PDF
Compendio técnico y normativo para blindar las operaciones de tu empresa ante el SAT con las tasas actualizadas de la UMA 2026 ($117.31 MXN).
- Metodología de cumplimiento preventivo
- Umbrales en UMA 2026 y plazos legales
- Directrices oficiales de identificación KYC
Ingresa tus datos para generar tu descarga
Reviewed by Compliance Officer · BDUnity.
CONTINUE READING
More LFPIORPI compliance guides
UMA thresholds in Mexican AML: how to calculate them and why they change every year
Mexican AML thresholds are pegged to the UMA rather than fixed pesos. Learn how to convert 2026 UMA ($117.31 MXN), why February 1st is critical, and how rolling 6-month accumulations work.
Ultimate beneficial owner: what changed with the 25% threshold and how to build the file
With the AML reform, the equity control threshold dropped from 50% to 25%. How to document ownership chains, how to handle trusts, and how to verify compliance during a SAT inspection.
Risk-based approach: first steps for Mexican reporting entities under the 2027 reform
The 2026 General Rules mandate an EBR risk assessment methodology starting March 1, 2027. What the methodology must contain, the four key factors, and how to begin.