Mexico's Fintech Law regulates financial technology institutions (ITFs), including crowdfunding and electronic payment institutions, and allows specified virtual-asset operations subject to Bank of Mexico authorisation and secondary rules. Scope note: retail crypto activity outside regulated ITFs is not comprehensively licensed by this Act.
Acteffective
Ley para Regular las Instituciones de Tecnología Financiera
Also known as: Law to Regulate Financial Technology Institutions (Fintech Law)
Mexico Mexico Congress; CNBV (National Banking and Securities Commission); Bank of Mexico
Overview
Key Details
Jurisdiction
MexicoRegulator
Mexico Congress; CNBV (National Banking and Securities Commission); Bank of Mexico
Law Type
Act
Status
In ForceOfficial Law Number
DOF 09-03-2018
Official Title
Ley para Regular las Instituciones de Tecnología Financiera
Enacted Date
March 8, 2018
Effective Date
March 10, 2018
Topics Covered
Who This Law Applies To
Financial technology institutions and regulated financial entities using virtual assets with authorisation from the Bank of Mexico and CNBV.
Key Requirements
- Regulates crowdfunding institutions and electronic payment institutions (EPIs).
- Allows specified virtual-asset operations subject to Bank of Mexico authorisation and secondary rules.
- Creates governance, disclosure, customer-funds safeguarding and supervisory obligations for ITFs.
Official Sources
Exact official documentRelated Laws
ActIn ForceMexico
Mexico Virtual Asset AML Rules
Federal AML Law – Virtual Asset Vulnerable Activity
Added August 24, 2026Ref: LFPIORPI virtual assets
Treats habitual professional virtual-asset exchange/custody as a vulnerable activity.
AML/KYCExchanges
sppld.sat.gob.mxView Law Profile
ActIn ForceMexico
Mexico Fintech Law
Law to Regulate Financial Technology Institutions
Added August 24, 2026Ref: Fintech Law 2018
Creates the regulated fintech-institution framework and defines virtual assets.
LicensingPayments
gob.mxView Law Profile
OtherIn ForceJurisdiction unavailable
Decision No. E/35/2023 — VASP Registration and AML/CFT Instructions
Decision No. E/35/2023 on Virtual Asset Service Provider Registration, Cancellation of Registration and AML/CFT Instructions
Added August 29, 2026Ref: Decision No. E/35/2023
Oman's FSA Decision No. E/35/2023 requires registration with the Oman Financial Services Authority (formerly Capital Market Authority) before carrying on covered virtual-asset activities in the Sultanate of Oman. It implements AML/CFT, governance and compliance requirements, and provides registration, cancellation and supervisory procedures. This is a VASP registration/AML regime and should be distinguished from any future full licensing framework.
LicensingAML/KYCExchanges
fsa.gov.omView Law Profile
RegulationPartially EffectiveJurisdiction unavailable
BCB Resolutions No. 519, 520 and 521 of 2025 — Virtual Asset Regulatory Framework
Resoluções BCB nos. 519, 520 e 521, de 10 de novembro de 2025
Added August 29, 2026Ref: BCB Resolution No. 519/2025; No. 520/2025; No. 521/2025
Brazil's Central Bank (BCB) Resolutions No. 519, 520 and 521 of 10 November 2025 implement the virtual-asset regulatory framework under the supervision of the Central Bank. Resolution 519 establishes VASP authorisation procedures; Resolution 520 sets activity, governance, controls, security and conduct requirements; Resolution 521 integrates specified virtual-asset operations into Brazil's foreign-exchange and international-capital rules. Commencement is staged during 2026 — verify the effective date for each resolution separately.
LicensingExchangesAML/KYCConsumer Protection+1 more
bcb.gov.brView Law Profile
ActIn ForceJurisdiction unavailable
Utility Token Offering Act, 2018 (Act No. 4/2018)
Utility Token Offering Act, 2018 (Act No. 4 of 2018)
Added August 29, 2026Ref: Act No. 4 of 2018
Anguilla's Utility Token Offering Act 2018 (Act No. 4/2018) is one of the world's earliest purpose-built utility-token offering frameworks. It creates registration requirements for utility-token issuers, sets offering, disclosure and issuer-qualification conditions, and works with AML regulations and later amendments. Verify the most recent consolidation — a 2020 amendment may affect the effective/status fields.
Token IssuanceLicensing
wca-ai.gov.aiView Law Profile
RegulationPartially EffectiveJurisdiction unavailable
SBS Resolution No. 02648-2024 — AML/CFT Rules for VASPs
Resolución SBS N.° 02648-2024 — Normas para la Gestión de Riesgos de LA/FT aplicable a PSAVs
Added August 29, 2026Effective: August 2, 2024Ref: Resolución SBS No. 02648-2024
Peru's SBS Resolution No. 02648-2024 applies AML/CFT risk-management and compliance duties to virtual asset service providers (PSAVs) supervised by UIF-Peru. It requires customer due diligence, recordkeeping and suspicious-transaction reporting. The resolution also contains a travel-rule chapter, but commencement of the travel rule has been deferred to 1 January 2029 through a later amendment — the travel rule is not currently effective.
AML/KYCExchangesPayments
sbs.gob.peView Law Profile
