Identify whether an operation requires reinforced identification or UIF notice.
Select the vulnerable activity, enter the amount in pesos and learn in seconds whether the operation requires reinforced identification or filing a notice with UIF under the current LFPIORPI regulation. An indicative tool based on current criteria — the final determination belongs to the compliance officer.
Three direct, reproducible steps.
Given a vulnerable activity and an amount in pesos, the calculator executes three steps. The calculation is transparent and auditable.
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First
Identify applicable thresholds
Each vulnerable activity has two fixed thresholds in UMA (Mexico's reference unit): identification and notice. Defined by LFPIORPI and its regulation.
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Then
Convert to pesos
Multiply the UMA threshold by the UMA value in force, which is published each year in the Official Gazette (DOF).
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Finally
Compare against the amount
Classify the case into one of three bands: no obligation, reinforced identification only, or identification + notice to UIF.
Important note on structuring
LFPIORPI considers related operations as a single one for threshold purposes. If a client conducts several operations individually below but jointly above the threshold, you must aggregate them and apply the consolidated threshold. The calculator addresses individual cases; continuous monitoring is handled by the AML system.
Vulnerable activities with identification and notice thresholds expressed in UMA.
The UMA value is updated each year and published in the Official Gazette (DOF). The compliance officer applies the value in force and the thresholds the regulation sets for each activity.
- Credit origination (SOFOM ER/ENR)
- Financial leasing
- Financial factoring
- Precious metals and stones
- Real estate transactions
- Vehicle sales
- Prepaid cards
- Public faith (notaries, brokers)
- Betting and lotteries
- Donations to non-profits
- Vehicle armoring
This list is an indicative reference based on the current LFPIORPI regulation and its latest update. It does not replace specialized legal advice nor the compliance officer's determination.
Three possible bands based on the amount compared against the thresholds.
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No obligation
Below identification
Does not require reinforced file or notice. Even so, the AML system must record the operation to detect structuring.
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Identification
Between the two thresholds
Build a file with reinforced client identification. No notice but documentation is scrutinizable during a CNBV visit.
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UIF notice
Above notice threshold
Reinforced identification + report to UIF via SITI within the regulatory deadline. Auditable documentation mandatory.
Special cases the calculator does not capture
Clients on restrictive lists (OFAC/UN), PEP clients, high-risk geographies, virtual asset operations with atypical profile. Any of these can trigger reinforced identification or notice even below the quantitative threshold. The final determination belongs to the compliance officer.
Want to automate continuous threshold monitoring? AML compliance.
AML compliance integrates threshold calculation, structuring detection, real-time AML scoring and generation of ROU/ROP/ROIP reports to UIF via SITI — live, auditable and with traceability queryable during inspection. Start with a complimentary initial diagnostic.