Law of the Institute of the National Housing Fund for Workers

LAW OF THE INSTITUTE OF THE NATIONAL HOUSING FUND FOR WORKERS

Official Journal of the Federation April 24, 1972

Latest Reform Published in DOF 04-06-2015

On the sidelines a seal with the National Shield, which reads: United Mexican States.-Presidency of the Republic.

LUIS ECHEVERRIA ALVAREZ, Constitutional President of the United Mexican States, to its inhabitants, known:

What the H. The Union Congress has served to address the following

DECREE

" The Congress of the United Mexican States, Decreta:

LAW OF THE INSTITUTE OF THE NATIONAL HOUSING FUND FOR WORKERS

Article 1o.- This Law is of social utility and general observance throughout the Republic.

Article 2o.- A social service body with its own legal personality and its own heritage is created, which is called the National Housing Fund Institute for Workers ", with its registered office in Mexico City.

Article 3o.- The Institute has as its object:

I.- Manage National Housing Fund resources;

II.- Establish and operate a financing system that allows workers to obtain credit cheaply and enough to:

a).- The acquisition in property of comfortable and hygienic rooms,

b).- The construction, repair, extension or improvement of their rooms, and

c).- The payment of liabilities incurred by the above concepts;

III.- Coordinate and fund building programs for rooms intended to be acquired on property by workers; and

IV.- The remainder referred to in Section A of Article 123 of the Constitutional Treaty and Title IV, Chapter III of the Federal Labor Law, as well as what this law sets.

Article 4o.- The Institute will take care of its activities within an integrated housing and urban development policy. To this end, it can coordinate with other public bodies.

Article 5o.- The Institute's heritage is integrated:

I.- With contributions in numerary, services, and subsidies provided by the Federal Government;

II.- With the amounts and commissions you obtain for the services you provide, which will be determined in the terms of the respective regulations;

III.- With amounts to be obtained from updates, surcharges, penalties, and fines;

IV.- With the goods and rights that you acquire by any title, and

V.- With the returns you obtain from the investment of the resources referred to in this article.

The contributions of employers to the sub-accounts of housing are the assets of the workers.

Article 6o.- The organs of the Institute shall be: the General Assembly, the Board of Directors, the Audit Committee, the Audit Committee, the Director General, two Sectoral Directors, the Inconformities Commission, the Transparency and Access to Information Committee and Regional Advisory Commissions.

The members of the organs of the Institute shall be responsible to the Institute for the fulfilment of the obligations imposed on them by this Law.

The members of the Board of Directors, the Audit Committee, the Audit Committee, the Inconformities Committee, the Transparency Committee and Access to the Information and the Regional Advisory Commissions, which in any matter related to it have or knew of a possible conflict of personal interests or of any of the other members of the Authority, must manifest it and, the conflict, to abstain from any intervention in that case. They shall also refrain from promoting or participating, in a personal capacity, in the attention of applications, approaches or resources that any third party promotes to the Institute.

Article 7o.- The General Assembly is the supreme authority of the Institute, and will be integrated in a tripartite manner with forty-five members, appointed:

Fifteen by the Federal Executive,

Fifteen by national workers ' organizations, and

Fifteen by national employers ' organizations.

For each owning member an alternate will be designated.

Members of the General Assembly will last for six years and will be able to be freely removed by whoever appoints them.

Article 8o.- The Federal Executive, through the Secretariat of Labor and Social Welfare, will set the basis for determining national workers ' organizations and the employers who will intervene in the appointment of the members of the General Assembly.

Article 9o.- The General Assembly shall meet at least twice a year.

Article 10.- The General Assembly shall have the following privileges and powers:

I.- Browse and, if necessary, approve, within the last three months of the year, the revenue and expenditure budget and the work and financing plans of the Institute for the following year.

Approve the five-year financial plan and its updates.

II.- Browse and, if applicable, approve, within the first four months of the year, the financial statements delivered by the external auditor and approved by the Board of Directors, resulting from the operation in the last financial year and the report of the institution's activities;

III.- Deciding, pointing out their jurisdiction, on the establishment and modification or deletion of the Institute's Regional Advisory Commissions;

IV.- Approve the Rules of Operation of the Organs of the Institute, as well as the Organic Statute of the Institute and order the Director General to issue them;

V.- (Repeals).

VI.- (Repeals).

VII.- (Repeals).

VIII.- Approve credit policies;

IX.- Approve the Institute's Code of Ethics and order the Director General to issue it;

X.- Approve normativity in terms of transparency and access to information and order the Director General to issue it;

XI.- Designate a proposal from the Surveillance Commission to the members of the Transparency and Access to Information Committee and the Inconformities Commission;

XII.- Know the reports presented to you by the Audit Committee, as well as the opinions of the Audit Committee on the situation of the internal control of the Institute;

XIII.- Ratify the appointments and removals of the members of the Audit Committee, and

XIV.- The others referred to in this Law and those necessary for the fulfilment of the purposes of the Institute, which are not entrusted to another body of the same.

Article 11.- The sessions of the General Assembly shall be chaired on a rotating basis, in the order established by Article 7o. by the member each of the representations designates.

Article 12.- The Management Board shall be composed of 15 members, appointed by the General Assembly in the following form: five on the proposal of the representatives the Federal Government, five to the proposal of the representatives of the workers and five to the proposal of the employers ' representatives, before the same General Assembly. An alternate shall be appointed for each individual member.

Members of the Board of Directors may not be from the General Assembly.

Article 13.- The councilors shall last for six years and shall be removed by the General Assembly, at the request of the representation that has proposed them.

The request for removal from the Sector will be made through the Director General.

As the General Assembly meets, the members whose removal has been requested will be immediately suspended in their duties.

Article 14.- Members of the Board of Directors shall preside over the sessions on a rotating basis by the representations in the order referred to in Article 12, and within each of them, in alphabetical order.

Article 15.- The Board of Directors will be held at least once a month.

Article 16.- The Board of Directors shall have the following privileges and powers:

I.- Decide, on a proposal from the Director General, on the investments of the funds and the financing of the Institute, as provided for in Article 66, fraction I;

II.- Resolve the operations of the Institute, except those that because of its importance, in the opinion of some of the sectors or of the Director General, merit express agreement of the General Assembly; the General Assembly shall be held within 15 days of the date of the corresponding request;

III.- Propose to the General Assembly the establishment, modification, deletion and jurisdiction of the Regional Advisory Commissions of the Institute;

IV.- Examine and, if necessary, approve, the presentation to the General Assembly, the revenue and expenditure budgets, the plans of work and financing, the five-year financial plan and its updates, as well as financial statements, delivered by the External Auditor approved by the Audit Committee and the report of activities formulated by the Directorate-General;

V.- Present to the General Assembly, for examination and approval, the Rules of Operation of the Organs of the Institute and the Organic Statute of the Institute;

VI.- On the proposal of the Director General to approve the appointments of the management staff and the delegates in accordance with the Organic Statute of the Institute. Also, approve the basis for the establishment, organization and operation of a permanent system of professionalization and development of the workers of the Institute;

VII.- Approve annually the Institute's administrative, operation and surveillance expenditure budget, which shall not exceed 0.55% of the total resources it manages.

The administration, operation, and surveillance expenses will be the expenditures resulting from the management and control of the National Housing Fund, as well as the recovery of the credits that grant the Institute.

The Board of Directors shall submit to the opinion of external auditors the exercise of the budget of expenditure, prior to the present to the General Assembly for its approval;

VIII.- Study and, if applicable, approve, the tabulators and benefits corresponding to the staff of the Institute, proposed by the Director General and in accordance with the budget of administrative expenses authorised by the General Assembly;

IX.- Propose for approval to the General Assembly the credit policies and approve the rules for their granting, as well as the regulations on internal control.

On the proposal of the Director General, approve the punishments and the bankruptcy of the credits, the risk policies, as well as the acquisition of goods and services of services, and any other necessary for the fulfilment of the objectives of the Institute;

X.- Determine the interest rate that will generate the housing sub-account balance in the terms of Article 39;

XI.- Determine the reserves to be constituted to ensure the operation of the National Housing Fund and the fulfilment of the other purposes and obligations of the Institute. Such reserves shall be invested in securities by the Federal Government and Development Bank instruments;

XII.- Resolve the specific circumstances not provided for in this Law and in the Law on Savings Systems for Retirement in relation to the Sub-accounts of the National Housing Fund of the individual accounts of the retirement savings system. For the purposes of coordination, in the preparation of the resolutions adopted in accordance with this fraction, the Council will first listen to the opinion of the National Commission of the Savings System for the Retreat. These resolutions will be published in the Official Journal of the Federation.

The above is without prejudice to the powers which, in relation to those accounts, correspond to the said Commission or other authorities of the financial system of compliance with the provisions of other legal provisions;

XIII.- Previous opinion of the Audit Committee, designate and remove the members of the Audit Committee and submit them to the ratification of the Assembly General;

XIV.- Know and approve the reports presented to you by the Audit Committee, as well as the opinions of the Audit Committee, on the situation of the the internal control system of the Institute, for the purpose of determining the measures;

XV.- Evaluate the opinion sent to you by the Audit Committee on the reports submitted by the Audit Committee;

XVI.- Know the opinion sent to you by the Surveillance Commission on the reports submitted by any of the different areas of the Administration;

XVII.- On a proposal from the Audit Committee, designate or remove the External Auditor;

XVIII.- Designate or remove the Internal Auditor on a proposal from the Audit Committee; this will be chosen from a third party proposal by the Director General;

XIX.- Approve the normativity deriving from this Law, except that which is expressly reserved for the approval of the General Assembly;

XX.- Interpret for administrative purposes this Act;

XXI.- Establish the committees that you deem necessary for the performance of your functions, and

XXII.- Other than I pointed out to you in the General Assembly or fall out of this Law.

Article 17.- The Surveillance Commission will be integrated with nine appointed members as follows:

Three on the proposal of the representatives of the Federal Government, three on the proposal of the representatives of the workers and three on the proposal of the employers ' representatives before the General Assembly.

For each owning member there must be an alternate.

The owner and alternate members of this Commission may not be members of any other Authority of the Institute and shall comply with the following requirements:

1. Be a recognized person.

2. Contar with minimum five-year knowledge and experience in financial, legal, or administrative matters.

3. Not having been convicted of an irrevocable sentence for estate or intentional crime that has merited corporal punishment, and

4. Not being disabled to exercise commerce or to perform a job, job or commission in the public service or in the Mexican financial system, as well as have not been declared as broken or broken.

The Supervisory Commission will hold at least once a month and will be chaired on a rotating basis, in the order in which the representations that proposed the appointment of its members are referred to in Article 7o.

The members of the Supervisory Commission shall last for six years and may be removed by the General Assembly, at the request of the person who has proposed them. The removal request shall be made through the Director General.

Members of the Supervisory Board whose removal has been requested shall be immediately suspended in their duties and the alternate shall take his place, until Both the General Assembly determines the conduct.

Article 18.- The Surveillance Commission will have the following powers and powers:

I.- Propose to the Assembly and the Board of Directors, where appropriate, the measures it deems appropriate to improve the functioning of the Institute;

II.- Propose for the approval of the General Assembly the Code of Ethics of the Institute;

III.- To monitor that the members of the organs of the Institute act in accordance with applicable regulations and in accordance with the Institute's Code of Ethics;

IV.- Report, once a year, to the General Assembly on the operation of the organs of the Institute;

V.- Propose to the General Assembly the appointment or removal of the members of the Transparency and Access to Information Committee and the Inconformities;

VI.- To monitor the performance of the Transparency and Access to Information Committee and the Inconformities Commission;

VII.- In the cases that your trial warrants, convene General Assembly;

VIII.- Send to the Board of Directors your opinion on the periodic report referred to you by the Audit Committee;

IX.- Issue opinion on the report sent to you by the Audit Committee regarding the situation of the Institute's internal control system, for its presentation to the Board of Directors or to the General Assembly;

X.- Send to the Board of Directors your opinion on the report presented to you monthly by any of the different areas of the Administration, and

XI.- Dictate the proposal for the appointment and removal of the Audit Committee members.

The Supervisory Commission may request the opinion of third parties for the proper performance of their duties.

Article 18 Bis.- The Audit Committee shall be integrated in a tripartite manner with one member for each representation, appointed by the Board of Directors, subject to the opinion of the Supervisory Committee and subject to the ratification of the General Assembly.

For each owning member there must be an alternate.

The owner and alternate members of this Committee may not be members of any other Authority of the Institute and shall comply with the following requirements:

1. Be a recognized person.

2. Contar with Title and Professional Ceduca.

3. Contar with minimum five-year professional knowledge and experience in financial institution related audit.

4. Not having been convicted of an irrevocable sentence for estate or intentional crime that has merited corporal punishment, and

5. Not being disabled to exercise commerce or to perform a job, job or commission in the public service, or in the Mexican financial system, so as not having been declared as broken or unbroken.

The Audit Committee shall be chaired on a rotating basis, in the order in which the representations which proposed the appointment of its members are mentioned in Article 7o.

The members of the Committee shall last for six years and shall be removed, after obtaining the opinion of the Supervisory Committee, by the Management Board, at the request of the representation that has been proposed; such removal must be ratified by the General Assembly.

The members of the Audit Committee whose removal has been requested shall be immediately suspended in their duties, and the alternate shall take his place, until such time as the General Assembly determine how conducive.

For the performance of their duties, the Audit Committee shall be assisted by the Internal Auditor and shall be held at least once a month.

Article 18 Bis 1.- The Audit Committee shall perform the following activities:

I.- Vigil that the administration of resources and expenses, as well as operations are done in accordance with the provisions of this Law and the regulations which of the same emane;

II.- Approve the opinions, opinions, reports or reports produced by the External Auditor, to be submitted to the Board of Directors. If deemed appropriate, request the Council itself to convene the General Assembly;

III.- Propose for approval of the Board of Directors general guidelines on internal control that the Institute requires for its proper operation, as well as its updates;

IV.- Approve the operations manuals of the Institute, in the part concerning the policies and procedures that are required for the internal control proper functioning of the Institute, in accordance with the regulations governing the Institute, which has been approved by the Board of Directors;

V.- Verify, at least once a year, that the audit program is performed in accordance with appropriate quality standards in accounting and internal controls;

VI.- Evaluate and report to the Board of Directors, at least twice a year, and once a year to the General Assembly, after obtaining the opinion of the Monitoring of the situation of the Institute's internal control system;

VII.- Verify the existence and functioning of an integral system of information of the patrimonial situation of the officials of the Institute, approved by the Board of Directors on a proposal from the Director General;

VIII.- In general, know and evaluate the relevant operations of the Institute and the financial information produced by the administration;

IX.- Send to the Supervisory Commission a periodic report on the financial situation of the Institute, and

X.- The others that are pointed out in the normativity that the Board of Directors issue to the effect.

Article 19.- The External Auditor shall be appointed by the Board of Directors of three candidates proposed by the Audit Committee, and shall not occupy the For more than five years, the following requirements shall be met:

1. Be a recognized person.

2. Contar with Title and Professional Accountant of Public Accountant or Licensed in Accounting.

3. Be properly certified.

4. Contar with minimum five-year professional knowledge and experience in financial institution related audit.

5. Not having been convicted of an irrevocable sentence for estate or intentional crime that has merited corporal punishment.

6. Not be disabled to exercise commerce or to perform a job, job or commission in the public service, or in the Mexican financial system, so as not having been declared as broken or unbroken.

7. Be a partner of a recognized public accountants firm. This signature may not be the same as the one to which the Auditor had belonged, in the immediate period before, and

8. Do not perform any duties or commissions on the public service.

The Audit Committee shall propose to the Board of Directors a reputable firm to authorize the hiring of the External Auditor. For this purpose, you may request a College or Institute of Public Accountants, which is widely representative of the profession, to propose a third party of signatures.

Article 19a.- The External Auditor shall have the following privileges and powers:

I.- Practice the audit of financial statements and check, where appropriate, the value of the goods, the subject of the Institute's operation;

II.- Issue an annual report to the Audit Committee on the financial situation of the Institute for presentation to the General Assembly by the means of the Board of Directors.

In order to provide a foundation for such an opinion, it shall carry out the examination of the operations, documentation, records and other evidence of evidence, in grade and extension that is required;

III.- Making the knowledge of the Board of Directors, through the Audit Committee, information on the financial situation of the Institute, and

IV.- Attend, with voice, but no vote, to the sessions of the General Assembly and the Board of Directors.

Article 19a 1.- The External Auditor shall be responsible to the Institute for the fulfilment of the obligations imposed on it by this Law and shall be jointly and severally responsible for the irregularities in which it has been incurred if, knowing them, I shall not report them in writing to the General Assembly.

the External Auditor who in any matter related to the Institute has a conflict of interest, shall abstain from any intervention.

Article 20.- (Repeals).

Article 21.- The Annual Balance Sheet of the Institute shall be published within 30 days of the date on which it is approved by the General Assembly, Official Journal of the Federation and in two of the most circulation journals.

Article 22.- The Director General shall be appointed by the General Assembly, on the proposal of the President of the Republic. To fill this position, it is required to be Mexican by birth, of recognized good repute and technical and administrative experience.

Article 23.- The Director General shall have the following privileges and powers:

I.- Represent the Institute legally with all the powers that correspond to the general governors for litigation and collections, acts of administration and dominion, and the special ones that require special clause under the law, in the terms of the first three paragraphs of Article 2554 of the Civil Code for the Federal District. These powers shall be exercised in the manner in which the Board of Directors agrees.

The Director General may delegate the representation, including the express faculty to reconcile before the Conciliation and Arbitration Boards as well as grant and revoke general or special powers.

The powers that correspond to the Institute, as an autonomous fiscal body, in accordance with Article 30 of this Law, shall be exercised by the Director General and other staff expressly stated in the Rules of Procedure of the Institute of the National Housing Fund for Workers, in the field of powers as an autonomous fiscal body;

II.- Attend sessions of the General Assembly and the Board of Directors, with voice, but no vote;

III.- Run the Management Board agreements;

IV.- Submit annually to the Board of Directors, within the first two months of the following year, the financial statements and the activity report of the financial year previous;

V.- Submit to the Board of Directors, no later than the last day of October of each year, the revenue and expenditure budgets, the project of expenditure and the work plans and of financing for the following year;

VI.- Present for consideration by the Board of Directors, a monthly report on the Institute's activities;

VII.- Present to the Board of Directors, for consideration and in its case approval, the credit programs referred to in Section II of the Article 42, to be awarded by the Institute.

VIII.- Name and remove the staff of the Institute, pointing out their functions and remuneration; and

IX.- After being approved by the General Assembly, send to the Congress of the Union, during the month of October each year, a Report on the situation financial, patrimonial and operational that the Institute keeps, and

X.- The others that point you to this Law and its regulatory provisions.

Article 24.- The General Assembly, on the proposal of the workers 'and employers' representatives, will appoint two Sectoral Directors, one for each sector, that will have as a function of the link between the Sector they represent and the Director General. The Sectoral Directors will attend the sessions of the Board of Directors, with voice, but without a vote.

The Director General and the Sectoral Directors may not be members of the General Assembly, the Board of Directors or the Supervisory Board.

Article 25.- The Inconformities Commission shall be integrated in a tripartite manner with one member for each representation, appointed by the General Assembly and shall last in his post six years. An alternate shall be appointed for each owning member.

The Commission will be chaired on a rotating basis, in the order in which the representations which proposed the appointment of its members are mentioned in the Article 7o.

Members of the Commission may not be members of any other Authority of the Institute and shall comply with the following requirements:

1. Be a recognized person.

2. Contar with minimum five-year professional knowledge and experience.

3. Not having been convicted of an irrevocable sentence for estate or intentional crime that has merited corporal punishment, and

4. Not being disabled to exercise commerce or to perform a job, job or commission in the public service or in the Mexican financial system, as well as have not been declared as broken or broken.

The Commission shall be aware of any complaints received by employers, workers or their successors in title and beneficiaries, where they are in the opinion of the Commission. received an incorrect, unfair or negligent treatment and will ensure its due care, in the terms of the relevant normativity.

The Commission shall know, substantially and resolve the resources which it promotes before the Institute, the employers, the employees or their successors and beneficiaries; terms of the relevant standard and subject to the criteria set out above by the Supervisory Board.

The Commission will be aware of the disputes arising out of the value of the benefits which the companies are giving to the employees, in the field of a room, to decide whether they are inferior, equal to or greater than the percentage recorded in Article 136 of the Federal Labor Law, and to be able to determine the contributions to be made to the Institute or if they are exempt from such contributions. Once the disputes have been dealt with in the terms of the respective regulations, the Commission shall present an opinion thereon to the Supervisory Committee, which shall decide what is appropriate.

Article 25 Bis.- The Transparency and Access to Information Committee will be integrated in a tripartite manner, by a representative of the workers ' sector, one of the business sector and one of the Federal Government, which will be appointed by the General Assembly, will last for six years.

The Committee shall be chaired on a rotating basis, in the order in which the representations which proposed the appointment of its members are mentioned in the Article 7o.

The members of the Committee may not be members of any other Body of the Institute and shall meet the following requirements:

1. Be a recognized person.

2. Contar with minimum five-year professional knowledge and experience.

3. Not having been convicted of an irrevocable sentence for estate or intentional crime that has merited corporal punishment, and

4. Not being disabled to exercise commerce or to perform a job, job or commission in the public service or in the Mexican financial system, as well as have not been declared as broken or broken.

Article 25 Bis 1.- These are the functions of the Transparency and Access to Information Committee:

I.- Provide what is necessary for everyone to have access to information in accordance with the Institute's current regulations and attached to them general principles and policies of the subject;

II.- Transparent management by disseminating the information generated by the Institute;

III.- Ensure the protection of personal data held by the Institute;

IV.- Promote accountability to citizens so that they can assess the performance of the Institute;

V.- Improve organization, classification, and handling of documents;

VI.- Contribute to the democratization of Mexican society and the full validity of the rule of law;

VII.- Resolve the review facility promoted by applicants in cases of refusal of access to information or the non-existence of documents requested, and

VIII.- Publish an annual report containing the activities performed to ensure access to the information and forward a copy of it to the Institute Federal Access to Public Information.

The above functions will be regulated in the normativity that the General Assembly issues in this field.

Article 26.- The Regional Advisory Commissions will be integrated in a tripartite manner and will act in the territorial areas that the General Assembly will point out. Its operation shall be determined in accordance with the Rules of Procedure which the Assembly itself approves.

Article 27.- Regional Advisory Commissions will have the following privileges and functions:

I.- Suggest to the Board of Directors, through the Director General, the most appropriate location of the areas and the characteristics of the rooms in the region, susceptible to being funded;

II.- Opinions on the room projects to be funded in their respective regions;

III.- The administrative character set by the Regional Delegations Regulation; and

IV.- The others of an advisory nature entrusted to them by the Director General.

Article 28.- In the General Assembly each sector will have one vote. In the Board of Directors, in the Audit Committee, in the Audit Committee, in the Transparency and Access to Information Committee and in the Inconformities Commission, each of its members will have one vote.

Article 29.- They are obligations of the patterns:

I.- Proceed to enroll and enroll its workers in the Institute and give the notices referred to in Article 31 of this Law;

The employers will be obliged, whenever they hire a new worker, to ask for their Single Key Number of Population Register.

The employers will enroll their workers with the salary they receive at the time of their registration;

II.- Determine the amount of the five percent contributions on the salary of the workers to their service and make the payment in the receiving entities that act on behalf of the Institute, for their credit in the sub-account of the housing of the individual accounts of the workers provided for in the savings systems for the retirement, in the terms of this Law and its regulations, as well as in the conduct, as provided for in the Law of Social Security and in the Law Federal Labor. In terms of the integration and calculation of the base and the higher salary cap for the payment of contributions, the content of the Social Security Law will apply.

These contributions are forecast costs for companies and are part of the workers ' assets.

The patterns, when making the payment, shall provide the information relating to each worker in the form and with the periodicity that the present establishes Law and, as applicable, the Social Security Act and the Retirement Savings Systems Act.

Registration on the individualization of the housing sub-account resources of the individual accounts of retirement savings systems will be in charge of the retirement fund managers, in the terms set forth in the Savings Systems Act for the Retreat and its Rules of Procedure. The above, regardless of individual records to be determined by the Institute.

It is the obligation of the employer to pay the contributions for each worker as long as the employment relationship exists and subsist until the notice of absence is presented. corresponding. If it is found that such a worker was registered by another employer, the Institute shall return the amount of the overpaid contributions, from the date of the new discharge, to the employer's application.

III.- Make the discounts to their workers on their salaries, as provided for in Articles 97 and 110 of the Federal Labor Law, which are intended for payment of credits to cover loans granted by the Institute, as well as to find out the amount of such discounts in the receiving entities acting on behalf of the Institute, in the form and terms established by this Law and its regulatory provisions. The integration and calculation of the salary base for the purpose of the discounts shall be that contained in section II of this Article.

In order for the Institute to individualize such discounts, employers must provide them with information concerning each worker in the form and periodicity that this Law and its regulatory provisions are established;

IV.- Provide the Institute with the necessary elements to clarify the existence, nature and extent of the obligations under its charge, established in this Law and its regulatory provisions;

V.- Allow inspections and home visits to be carried out by the Institute, which shall be subject to the provisions of this Law, the Fiscal Code of the Federation and its regulatory provisions. In order to avoid duplicity of actions, the Institute may agree with the Mexican Social Security Institute to coordinate these fiscal actions;

VI.- Understanding the payment and information requirements of the Institute, in accordance with the relevant laws and regulations;

VII.- To issue and deliver, weekly or fortnightly, to each worker written record of the number of days worked and of the salary received, according to the periods of payment established, in the case of patterns that are dedicated in form permanent or sporadic to the construction activity.

Also, they should cover the contributions, even if it is not possible to determine the workers to whom they are to be applied, in which case their amount is will deposit in a specific account that will be handled in the same terms as the individual resources of the National Housing Fund, until as long as the payments in favor of its holders are individualized, in the terms of This Law. The above, without prejudice to the fact that those workers who credit their rights, are paid to their individual accounts of the retirement savings schemes, the amounts corresponding to them.

The fund manager for the withdrawal in which the worker is registered will have at the request of the same, the obligation to individualize the contributions referred to in this section against the presentation of the abovementioned constances;

VIII.- Submit to the Institute a copy with a self-reporting firm of the report on the tax situation of the taxpayer with the annexes concerning contributions for the concept of employer contributions in accordance with the provisions of the Regulation of the Fiscal Code of the Federation, when in the terms of said Code, they are obliged to rule by authorized public accountant their financial statements.

Any other employer may choose to rule by an authorised public accountant the fulfilment of its obligations to the Institute in the terms of the corresponding regulatory provisions, and

IX.- The others provided for in the Act and its Regulations.

The obligation to make the contributions and to make the discounts referred to in the previous fractions II and III will be suspended when wages are not paid for absences in the terms of the Social Security Law, provided that the Institute is informed in accordance with Article 31. In the case of disabilities issued by the Mexican Social Security Institute, the obligation to pay contributions will remain.

In case of employer substitution, the replaced pattern will be jointly and severally liable with the new obligations arising from this Act, born before the date of the replacement, until the end of two years, concluded which all responsibilities will be attributable to the new pattern.

Article 29 Bis. When in the recruitment of workers for a employer, in order for them to carry out work or provide services for him, a labour intermediary or contractor is involved, whatever the pattern and intermediaries they assume, both of which will be jointly and severally liable in relation to the worker in respect of the fulfilment of the obligations contained in this Law.

They will not be considered intermediaries, but employers, established contractors that provide services with their workers to others, to execute them with own and sufficient elements to comply with the obligations arising from relations with their employees, in the terms of Articles 12, 13, 14, 15, 15 -A and 15 -B of the Federal Labor Law.

Without prejudice to the foregoing paragraphs, when a employer or subject, whatever its legal personality or economic nature, is required to do so, the virtue of a contract, whatever form or denomination, as part of the obligations incurred, makes available to workers or other providers to carry out the services or works agreed under the direction of the beneficiary of the the same, the beneficiary of the works or services shall assume the obligations laid down in this Law in relation to those workers, in the event that the employer is in the same way as to comply with the conditions laid down in Articles 15 -A and 15 -B of the Federal Labour Law, provided that the Institute would have previously notified the contractor pattern of the corresponding requirement and the latter would not have addressed it.

The Institute shall also give notice to the beneficiary of the work or services, of the requirement referred to in the preceding paragraph.

Contracting companies and contractors shall communicate on a quarterly basis to the collection delegation corresponding to the address of the employer or subject, in the same terms as Articles 29, 30, 31, 32, 33, 34 and 35 of this Act, in respect of contracts concluded in the quarter concerned with the following information:

I. Of the parties to the contract: Name, name or social reason; class of moral person concerned, if any; social object; registered office, tax and, where applicable, conventional for the purposes of the contract; number of the Federal Register of Taxpayers and the Patron Registry before the Mexican Institute of Social Security and the Institute; data in its constituent act, such as number of public deed, date, name of the notary public giving faith of the notary, number of the notary and the city to which it corresponds, section, item, volume, record or mercantile portfolio, if any, and date of registration in the Public Registry of Property and Commerce; name of the legal representatives of the parties who signed the contract.

II. Of the contract: Object; period of validity; profiles, posts or categories indicating in this case whether it is operational, administrative, or professional, the justification for their specialized work and the estimated monthly number of workers to be made available to the beneficiary of the contracted services or works.

The contractor employer shall incorporate for each of its employees the name of the beneficiary of the contracted services or services in the authorised computer system by the Institute.

When the contractor is obliged to make available to the beneficiary, workers to provide the services or to carry out the work in several centres of work located in the territorial district of more than one delegation of the Institute, the employer and the beneficiary shall communicate the information referred to in the fifth paragraph of this Article, only to the delegation of recovery within the area of which the respective Member State tax domicile.

Article 30.- The obligations to make the contributions and to find out the discounts referred to in the previous Article, as well as their collection, have the character of prosecutors.

The Institute of the National Housing Fund for Workers, as an autonomous fiscal body, is empowered, in the terms of the Fiscal Code of the Federation, to:

I.- Determine, in the event of non-compliance, the amount of the employer's contributions and the discounts omitted, as well as the calculation of its update and surcharges to be generated, identify the bases for settlement, fix them in liquid quantity and require payment. For this purpose, you may order and practice, with the staff that the effect designates, home visits, audits and inspections to the employers, requiring them the display of books and documents that credit the fulfillment of the obligations that in This Law is imposed on them by housing.

The powers of the Institute to check compliance with the provisions of this Law, as well as to determine the omitted contributions and their accessories, are extinguished in the term of five years not subject to interruption counted from the date on which the Institute itself is aware of the operative event of the obligation. The period referred to in this paragraph shall be suspended only when the application of the non-conformity provided for in this Law is filed or the Federal Court of Justice and Administrative Court of Justice finds it.

The prescription of the corresponding tax credits shall be subject to the provisions of the Tax Code of the Federation;

II.- Receive payments in your offices or through the receiving entities to be made in accordance with this article.

The receiving entities are those authorized by the social security institutes to receive the payment of the retirement insurance fees, advanced age and old age, planned in the Social Security Act, from housing contributions and discounts to the National Housing Fund and voluntary contributions.

The Institute shall pay the worker's housing sub-account the amount of the contributions received under this Article, as well as the interest determined in accordance with this Article. provided for in Article 39, corresponding to the period of omission of the standard. In the event that the payment is not made within 10 working days of the effective date of collection, the interest shall be calculated until the date on which it is credited to the worker's home sub-account;

III. To carry out by itself or through the Secretariat of Finance and Public Credit the collection and execution corresponding to the employer contributions and the discounts omitted, subject to the rules of the Fiscal Code of the Federation;

IV.- Resolve in cases where appropriate, the resources provided for in the Tax Code of the Federation relating to the administrative procedure of execution, as well as the prescription and expiration requests raised by the patterns;

V.- Require employers to omit compliance with the obligations that this Act establishes, the information necessary to determine the existence or otherwise of the employment relationship with the persons at their service, as well as the one that allows to establish in a presumptive way and according to the procedure that the Institute to the effect to the effect, the amount of the contributions omitted.

The Secretariat of Finance and Public Credit and the Institute will, without distinction, sanction those cases in which the failure to comply with the obligations established by this Law, total or partial omission in the payment of the contributions and the whole of the discounts, in the terms of the Tax Code of the Federation.

Upon request of the Institute, the Secretariat of Finance and Public Credit, the Mexican Social Security Institute and the local tax authorities, in the terms of the (a) coordination which, in the case of non-compliance, is to be concluded, without distinction and in accordance with the applicable legal provisions, in order to determine, in the event of non-compliance, the amount of the employer's contributions and the discounts omitted. For these purposes, they will be able to order and practice home visits, audits and inspections to the employers and require the display of books and documents that demonstrate compliance with the obligations imposed on them by housing this Act.

VI.- Determine the existence, content, and scope of the obligations violated by the employers and other subjects under the terms of this Law and other provisions relating to, for which it may apply the data to which it counts, on the basis of the last month covered or supported by the facts known to it for the exercise of the powers of verification which it enjoys as an authority or through the files or documents provided by other tax authorities;

VII.- Order and practice, in the case of employer substitution, the corresponding investigations as well as issue the respective opinions;

VIII.- Review the opinions formulated by public accountants on compliance with the provisions contained in this Law and their respective regulatory provisions;

IX.- Make effective the guarantees of the tax interest offered in favor of the Institute, including bail, in the terms of the Fiscal Code of the Federation;

X.- Know and resolve requests for refund and compensation of amounts paid unduly or in excess, as provided for in the legal provisions and regulatory, and

XI.- The others provided in the Act.

Article 31.- For the registration of employers and workers the information to be determined in this Law and its regulatory provisions shall be provided. corresponding.

The employers will have to give notice to the Institute of the changes of domicile and denomination or social reason, increase or decrease of tax obligations, suspension or resumption of activities, decommissioning, merger, division, disposal and declaration of bankruptcy and suspension of payments. They shall also make the Institute's knowledge of the high, low, salary modifications, absences and disabilities and other data of the workers, necessary to the Institute to fulfill the obligations contained in this article. The Institute may agree with the Mexican Social Security Institute about the terms and requirements for simplifying and unifying the processes described above.

The registration of the employers and the registration of the workers, as well as the other notices referred to in the preceding paragraphs, must be submitted to the Institute within a period of time. more than five working days, counted from the date of the assumptions referred to in the preceding paragraph.

Changes in the base salary and discounts will take effect from the date they occur.

The information referred to in this Article may be provided on magnetic or telecommunication devices, in the terms of the Institute.

Documents, data and reports that workers, employers and other persons provide to the Institute in compliance with the obligations imposed on them by this Law, shall be strictly confidential and shall not be able to communicate or make themselves known in a nominative and individual manner, except in the case of judgments and proceedings in which the Institute is a party and in the cases provided for by law.

Article 32.- In the event that the employer does not comply with the obligation to enroll the worker, or to find out the contributions and discounts to the Institute, the workers have the right to go to the Institute and provide them with the corresponding reports, without giving the employer the right to comply with their obligations and exempt them from the penalties they have incurred.

Article 33.- The Institute will be able to register employers and register workers and specify their contribution base salary, even without prior management of the data subjects and without this relates to the pattern of their obligation and to the liability and penalties for infringements in which they have incurred.

Article 34.- The worker shall be entitled, at all times, to request information from the fund managers for the withdrawal on the amount of the contributions recorded his favour. The above information may also be requested by the worker through the Institute or by the employer to whom he/she serves.

Dealing with workers who receive housing credit from the Institute, they will have the right to request and obtain direct information from the Institute or through the employer's employer. your services on the amount of discounts, including the contributions applied to cover your credit, and the balance of your credit.

When the employment relationship is terminated, the employer must present the worker with a record of the key of his/her registration.

Article 35.- The payment of the contributions and discounts referred to in Article 29 shall be due to monthly payments, no later than the seventeenth day of the following month.

The Institute may issue and report settlements for the collection of the contributions and discounts referred to in Article 29. These liquidations may be issued and notified by the Mexican Social Security Institute in conjunction with the settlements of retirement insurance, advanced age and old age, prior agreement of coordination between the two institutions.

Article 36.- The contributions provided for in this Law, as well as the interests of the housing sub-accounts referred to in Article 39, shall be exempt from all taxes.

Article 37.- The right of the worker and, where applicable, of the beneficiaries, to receive the resources of the housing sub-account in the terms described in Article 40, prescribes in favour of the National Housing Fund at the age of 10, which is due.

Article 38.- The operators of the SAR National Database will provide the Institute with the information corresponding to the contributions and discounts made in the terms of the Savings Systems Act for the Retreat and its Regulations, as well as all that necessary for the fulfilment of its purposes.

The Institute will provide directly to the Mexican Social Security Institute and the operating companies of the SAR National Database, the information related to patterns and workers, as well as periodic updates of such information.

Retirement fund managers will be required to report to each worker the status of their home sub-account within the individual account status on the terms, periodicity and to the effect that the Law of the Systems of Savings for the Retreat is established, without prejudice to the fact that the insured at all times has the right to request any type of information related to the sub-account of the house to the own administrator.

Workers holding individual accounts and their beneficiaries, directly or through their proxies or union representatives, as well as their employers, may submit their claims against the retirement fund managers or financial institutions authorized by the National Commission of the Savings System for the Retreat, before this same Commission, in the terms laid down by the Law of the Systems Saving for the Retreat.

The information to be handled by the fund managers for the withdrawal, as well as the operating companies, will be subject, in the matter of confidentiality, to the general to issue the National Commission of the Savings System for the Retreat, in terms of the corresponding Law.

The documentation and other characteristics of these accounts not provided for in this Law and in the Social Security Law will be subject to the provisions of the Law on Savings Systems for the Retirement.

Article 39.- The balance of the housing sub-accounts shall cause interest at the rate determined by the Board of Directors of the Institute, which shall be higher than the increase of the Federal District's minimum wage.

The annual interest to be credited to the housing sub-accounts, will be integrated with a basic amount to be paid in twelve exhibitions at the end of each of the months of January to December, plus an amount of adjustment at the end of the financial year.

To obtain the basic amount, it will apply to the balance of the housing sub-accounts, the rate of increase of the minimum wage of the Federal District resulting from the review that for that year has approved the National Minimum Wage Commission.

The Board of Directors shall, at the end of each financial year, calculate the income and expenditure of the Institute in accordance with the criteria and provisions issued by the National Banking and Securities Commission, in the exercise of the powers conferred on it in Article 66 of this Law, to determine the remaining operational. The amounts to be taken into the reserves provided for in the same Law, as well as those intended to preserve the Institute's assets, shall not be considered as remaining operational.

Once the Board of Directors has determined the remaining of the Institute's operation in the terms of the preceding paragraph, the basic amount will be reduced to obtain the The resulting amount of adjustment. This amount of adjustment shall be credited to the housing sub-accounts at the latest in the month of March of each year.

Article 40.- Housing sub-account funds that have not been applied according to Article 43 Bis will be transferred to the retirement fund managers. for the recruitment of the corresponding pension or its delivery, as appropriate, in the terms of the provisions of the Social Security Laws, in particular Articles 119, 120, 127, 154, 159, 170 and 190, 193 and the Savings Systems for the He withdrew, in particular, Articles 3, 18, 80, 82 and 83.

For the above, the worker or his/her beneficiaries must ask the Institute for the transfer of the resources of the housing sub-account to the fund managers for the withdrawal. The Institute may agree with the Mexican Social Security Institute about the terms and conditions for simplifying and unifying the processes to authorize the availability of the resources referred to in the previous paragraph.

Article 41.- The worker shall have the right to choose the new or used housing, to which the amount of the credit that he receives from the National Housing Fund is applied, which may or may not be part of housing units financed from the Fund's resources.

When a worker has received credit from the Institute, the Institute shall grant him from the date on which he has ceased to receive salary income, which is extended in the depreciation that you have to do by way of capital and ordinary interests. To this end, the accredited worker must submit his application to the Institute within the month following the date on which he ceases to receive salary income. During those extensions, the principal and the ordinary interest payments shall be capitalised on to the insolute balance of the credit. In case the worker does not request the extension within 30 days, the person will not be authorized to do so.

Any period of grace granted to the worker in accordance with the preceding paragraph may not exceed 12 months each, nor shall be longer than 24 months, and terminate early when the worker initiates a new employment relationship.

If 30 years have elapsed from the date of granting of the credit, the Institute shall release it from the outstanding balance, except in the case of payments by the worker or by extension granted.

Article 42.- The Institute's resources will be allocated:

I.- Online one to the financing of the construction of sets of rooms to be acquired by the workers, by means of credits granted to them by the Institute. Such financing shall be granted only by contest, in the case of housing programmes approved by the Institute and in accordance with the applicable construction provisions.

The Institute may also discount the financial institutions that have the respective authorization issued for this purpose by the Secretariat of Finance and Public Credit, the financing they have granted to be applied to the construction of housing units. These discounts will be with the responsibility of those financial entities.

The Institute in all the funding it grants for the realization of housing units, will establish the obligation for those who build them, to purchase, preferably, materials from ejido companies, when they are on equal quality, price and supply opportunity to those offered by other suppliers;

II.- The granting of credits to workers who are holders of deposits constituted in their favor at the Institute:

a) Online two to the room property acquisition;

b) Inline three to housing construction;

c) Online four to repair, scale, or room upgrades, and

d) Online five to the payment of liabilities acquired by any of the above concepts.

The Institute may also discount the financial institutions that have the respective authorization issued for this purpose by the Secretariat of Finance and Public Credit, the credits it has granted to apply to the concepts outlined in the previous incissos. These discounts will be with the responsibility of those financial entities.

III.- On the payment of capital and interest on workers' housing sub-accounts in the terms of the law;

IV.- To cover the costs of administration, operation and surveillance of the Institute;

V.- To the investment of buildings destined for their offices, and of furniture strictly necessary for the fulfillment of their purposes.

VI.- To the other erogations related to its object.

The contracts and operations related to the buildings referred to in this article, as well as the development and execution of the sets of rooms to be built with funding from the Institute, will be exempt from the payment of any kind of taxes, duties or contributions from the Federation, the States or the Federal District and, where appropriate, the selling price referred to in Article 48 shall be the value of the value of the rooms. The pre-dial tax and water consumption rights, as well as donations and urban equipment will be caused and will comply with the terms of the applicable legal provisions. Both the guarantees and the corresponding entries shall be in accordance with the terms of Article 44 without any tax or right being caused, nor should any additional registration formalities be carried out.

The contracts and operations referred to in the preceding paragraph, as well as the constitution of the property regime in condominium of the joint financing of the Institute may be registered in private documents, before two witnesses, and register in the Public Registry of the Property that corresponds, with the record of the registrar on the authenticity of the signatures and the will of the parties.

The benefits granted by this Article to the housing programs that are made with funds from the National Housing Fund Institute for Workers will be made extending to the right-holders of that Institute, who carry out house-buying operations by means other than those of the Institute, provided that they are for use and the amount of the operation thus performed is not superior to the value of the houses room that he himself provides to his affiliates. The surplus will pay the taxes in the terms provided by the respective laws.

Article 43.- In the terms of section XII of section "A" of Article 123 of the Political Constitution of the United Mexican States, the administration of the resources of the National Housing Fund for Workers will be in charge of the Institute.

The contributions, as well as the discounts to cover the credits granted by the Institute received by the receiving entities authorized under this Law, shall be be transferred to the account that the Bank of Mexico takes to the Institute, on the terms and in accordance with the procedures to be established in the Regulations of the Law on the Savings Systems for Retirement.

The surplus resources shall be invested, as applied for the purposes referred to in the previous Article, in the securities to be determined by the Board of Directors, based on those provided for the investment of the Savings System resources for the Retreat, guaranteeing at all times that the Institute has the resources required to meet the housing needs of the workers.

Without prejudice to the foregoing, the Institute will be able to keep the Bank of Mexico in cash or in bank deposits in the view of the Bank of Mexico. quantities strictly necessary for the performance of their daily operations.

For the payment services provided by the receiving entities to the Institute, the Institute may, by agreement of its Board of Directors, establish the remuneration, in accordance with the general provisions issued by the National Commission of the Retirement System for the Retreat.

Article 43 Bis.- When the worker receives credit from the Institute, the balance of the housing sub-account of his/her individual account shall be applied as an initial payment of any of the concepts referred to in Article 42

II) (II) (2).

During the duration of the credit granted to the worker, the employer contributions in his favor will be applied to reduce the insolute balance in charge of the worker himself.

The entitled worker who obtains a credit from some financial institution to apply to the payment of the construction or purchase of his/her room, may give in surety of such credit, the balance of your sub-account. Such guarantee shall cover only the non-payment in which the accredited person is liable to lose his employment relationship. This guarantee will be increased with subsequent employer contributions paid to the worker's home sub-account. In the event that such guarantee is made effective, the anticipated withdrawals from the balance of the housing sub-account that corresponds to cover the amount of the defaults shall be made.

The Institute may grant credits to workers entitled under co-financing with financial institutions, in which case the worker may also grant the guarantee that he/she will be refers to the immediate paragraph above. Such security shall be lodged on the balance that the sub-account of the house records at the time of the granting of the credit. Contributions made to the sub-account referred to after the granting of the credit shall be applied to cover the insolute balance of the credit given by the Institute.

In the case of co-financing referred to in the preceding paragraph, the Institute shall give credit to the right-holder when the credit it receives from the the financial institution concerned is granted on the basis of savings funds established in social security plans which meet the deductibility requirements to be laid down in the relevant tax provisions.

In the event that the worker obtains credit from any financial institution and the Institute is unable to grant credit in terms of the provisions of the preceding paragraph, the the worker shall be entitled to the application of the subsequent employer contributions in his favour to reduce the insolute balance of the worker himself and in favour of the financial institution concerned during the term of that credit.

Prior to the agreement with the participating financial institution, the Institute may include in the percentage of discount the employer makes to the salary of the accredited worker, the amount that corresponds to the appropriations granted in the terms of this Article.

Article 43 Ter.- The Institute may conclude agreements with social security institutions to define the procedures for the transfer of contributions accumulated in the housing sub-account of workers who are changing their system for employment or recruitment issues.

Workers who obtain a housing credit under the regime of other social security institutes or the National Housing Fund Institute for the Workers, who have resources accumulated by way of housing in their individual account under the scheme of the same, may request that they accumulate to be applied as an initial payment of their credit and that the successive contributions to any of the institutes are designed to reduce the insolute balance in charge of the own worker.

In the event that the workers find themselves writing down a housing credit granted by the Institute or some social security institute, and what to establish a new employment relationship changes as a social security scheme, they must continue to use their housing contributions for the payment of the corresponding credit.

Article 44.- The balance of the credits granted to the workers referred to in Article 42 (II) shall be reviewed each time the minimum wages are modified, increasing in the same proportion as the increase in the general minimum wage in the Federal District.

Also, the above credits shall bear interest on the adjusted balance of the claims, at the rate determined by the Board of Directors. This fee shall not be less than 4% per year on outstanding balances.

The Institute will also grant, at the request of the worker credits, in pesos or times in minimum wages, according to the rules that the effect will determine its Council of Management, which should ensure that the financial conditions for workers are not higher than those provided for in the preceding paragraphs and at all times provide for measures to preserve the financial stability of the Institute and cover the risks of your credit portfolio.

The credits will be awarded to a term not greater than 30 years.

Article 45.- Calls for financing auctions shall be made by the Board of Directors in accordance with criteria that take due account of equity and its proper distribution between the different regions and localities of the country, seeking the deconcentration of the most densely populated urban areas. Before formulating the calls, they will be analyzed, to take into account, the promotions of the Workers ' Sector, the workers in the individual and the Patron Sector.

Article 46.- In the application of the resources referred to in the previous article, the following circumstances shall be considered, inter alia:

I.- Room demand and housing needs, giving preference to low-wage workers, in the various regions or localities of the country;

II.- The feasibility and real possibilities of carrying out housing constructions;

III.- The amount of contributions to the Fund coming from the various regions and localities of the country; and

IV.- The number of workers in the different regions or localities of the National Territory.

Article 47.- The Board of Directors shall issue the rules according to which they shall be granted immediately and without requiring more requirements than those provided for in the Regulations. rules, the appropriations referred to in Article 42 (II). Such rules shall be published in the Official Journal of the Federation.

The above rules will take into account, among other factors, regional housing supply and demand, the number of members of the workers ' family, the balances of the housing sub-account of the worker concerned and the time during which contributions have been made to it, whether the worker is the owner or not of his dwelling, as well as his salary or the marital income if there is an agreement of the persons concerned.

Likewise, the Board of Directors will issue rules that allow for the determination of the amount of credit to be taken into account for additional income of workers who are not as an integral part of their basic salary, provided that the amount, periodicity and permanence of such income are fully creditable and that the recovery of such claims is guaranteed.

The worker has the right to receive a credit from the Institute, and once he has settled it, he/she will be able to access new funding from the Institute in co-participation with financial institutions.

For this second credit the worker may have the resources accumulated in the housing sub-account and his/her credit capacity will be determined by the projection of subsequent contributions.

Article 48.- The Board of Directors by means of general provisions which, for the purposes of publication in the Official Journal of the Federation, shall determine: the maximum amounts of the appropriations granted by the Institute, depending on, among other factors, the income of the accredited workers, and the maximum selling price of the rooms for which the purchase or construction may be the subject of the abovementioned appropriations.

Article 49.- The credits granted by the Institute shall be terminated and shall therefore be given in advance, where the debtors are not authorized to dispose of, including permuse, or tax on their housing, as well as when they incur any of the violation grounds entered in the respective contracts.

In the case of loans granted for the purchase of housing financed directly by the institute, these will be granted for cancellation and the contract terminated if the debtors incur any of the (c) Causals referred to in the preceding paragraph, whereby the debtor or the person in charge of the dwelling shall deoccupy it within 45 calendar days from the date on which the respective notice is received.

In the case of the preceding paragraph, the amounts covered by the workers up to the date on which the dwelling is broken shall be applied in favour of the institute for payment by the use of the house itself.

Article 50.- The Institute will monitor that the credits and funding it grants are intended for the purpose for which they were granted.

Article 51.- The credits that the Institute grants to workers will be covered by insurance for cases of permanent or death total incapacity, which will release the employee or their beneficiaries of the obligations, charges or limitations of domain in favour of the Institute derived from such claims.

For these purposes, the loss of a person's faculties or abilities, which makes it impossible for him to perform any work the rest of his life, will be understood as permanent total incapacity. whatever the nature of the risk that has occurred.

The cost of insurance referred to in the preceding paragraphs shall be borne by the Institute.

In order to protect workers ' assets, the Institute will be able to participate with public and private companies to promote development as well as the coverage of Insurance in charge of the accredited, allowing for the extension of the coverage of claims.

Dealing with cases of permanent partial incapacity, where this is 50% or more, or definitive invalidity, in the terms of the Social Security Law, the worker will be released (a) where the institution is not subject to a new working relationship for a period of at least two years, during which time it shall enjoy an extension, without the cause of interest, for the payment of your credit. The existence of any of these assumptions shall be checked with the National Housing Fund Institute for Workers within the month following the date on which they are determined.

The accredited workers may expressly express their will to the Institute, in the act of granting the credit or later, so that in the event of death, the the release of the obligations, charges or limitations of the domain which exist in favour of the Institute, as well as the award of the immovable property of those, shall be made for the benefit of the persons appointed in accordance with Article 40 of the This Law, with the ranking established when it has been expressly stated by the worker, with only the formalities provided for in the penultimate paragraph of Article 42 of this same Law and the evidence that the Institute has established on the will of the worker and the means by which the capacity and identity of the beneficiaries. In the event of a dispute, the Institute shall proceed exclusively to the release referred to and shall refrain from awarding the building.

In the cases referred to in the preceding paragraph, the Public Records of the Property concerned must make the registration of the properties in favor of the beneficiaries, (a) by cancelling, in consequence, that which exists in the name of the worker and the charges or limitations of the domain which have been released.

Article 51 Bis.- The financing for the construction of sets of rooms to be acquired by the workers, will be awarded to the people who are enrolled in the register of builders that the Institute takes to the effect, through public auctions, by means of convocation for the free to present proposals in on closed, which will be opened publicly.

The insolute balance of the financing arrangements for the construction of rooms to be granted by the Institute may not exceed a 20% of the outstanding balance of the appropriations referred to in the Article 42, part II.

Article 51 Bis 1.- Calls, which may refer to one or more housing units, will be published in one of the most circulation newspapers in the country and at the same time, at least in one of the federative entity where the works are to be executed and contain at least the following requirements:

I.- The general description of the work that you want to run;

II.- The minimum interest rate to be paid for the financing in question;

III.- The conditions to be met by the stakeholders, particularly regarding the completion time of the work;

IV.- The deadline for the registration of data subjects, which may not be less than thirty working days counted from the date of publication of the call;

V.- The time limit for the Institute to authorize persons enrolled in the auction, and

VI.- The place, date and time when the opening of the envelopes containing the postures will be held.

In the exercise of their respective powers, the Secretariats of the Civil Service and Public Credit and Public Credit will be able to intervene in the entire process of award of funding.

Article 51 Bis 2.- People participating in the auctions must guarantee the Institute: the positions, the correct investment of the resources of the financing that, if any, receive, and the payment of the financing.

The Board of Directors of the Institute shall lay down the basis and percentages to which the guarantees to be lodged shall be subject.

Article 51 Bis 3.- The Board of Directors of the Institute will determine the interest rate that will cause the financing from its grant, in case the dwellings constructed in housing units financed by the Institute are sold at prices higher than those that are determined for the whole concerned, in terms of Article 48 of this Law or the respective set is not concluded in the times established.

Article 51 Bis 4.- They will not be able to obtain funding from the Institute the following people:

I.- The members of the Board of Directors and workers of the Institute, their spouses or consanguine relatives or by affinity to the second degree, as well as those in the participating as shareholders, administrators, managers, proxies or commissars. The Board of Directors may authorise exceptions to the provisions of this section, by means of general rules approved by at least three members of each of the sectors, and

II.- Those who are in non-compliance with respect to the execution of another or other constructions of housing units financed by the Institute.

Article 51 Bis 5.- The award of the financing shall bind the Institute and the person to whom it is placed, to formalize the relative document within the following twenty working days. to the award.

If the person concerned does not sign the contract for reasons not attributable to the Institute, he shall lose in favour of the Institute itself the guarantee which he has granted, which may, without the need of a new procedure, to award the financing to the second participant in the respective auction, in the terms of its proposal and so on.

Article 51 Bis 6.- The contractors of works financed by the Institute shall respond to the acquirers of the defects that result in them, of the hidden vices and of any other liability in respect of which they have incurred, in the terms of the applicable provisions.

Article 52.- In cases of non-compliance of companies, workers or their beneficiaries on the registration in the Institute, right to credit, amount of contributions and discounts, as well as on any act of the Institute which damages the rights of the registered workers, their beneficiaries or the employers, may be promoted to the Institute itself a resource of non-conformity.

The corresponding Regulation will determine the form and terms in which the Inconformity remedy referred to in this Article may be brought.

Article 53.- The disputes between workers or their beneficiaries and the Institute, on the rights of workers, will be resolved by the Federal Board of Conciliation and Arbitration once exhausted, if applicable, the resource set out in the previous article.

The disputes arising from employees ' claims to the Institute for claims which it has granted them, once exhausted, where appropriate, the appeal referred to in the Article before the competent courts.

It will be optional for workers, their successors or beneficiaries, to exhaust the appeal of non-conformity or to go directly to the Federal Board of Conciliation and Arbitration or to the competent courts.

Article 54.- The disputes between the employers and the Institute, once exhausted, where appropriate, the recourse of non-conformity shall be resolved by the Federal Court of Justice and Administrative.

It will be optional for employers to exhaust the non-compliance resource or to go directly to the Federal Court of Justice.

Article 55.- Regardless of the specific penalties provided for by this Law, the violations to it that, to the detriment of its workers or the Institute, are employers, will be punished with fines for the equivalent of three to three hundred and fifty times the daily general minimum wage in force in the Federal District in the time the violation is committed.

When the infringement consists of the lack of information that prevents the individualization of the contributions to the housing sub-account of the savings system accounts for the retirement, the penalty to be imposed on the offending employer shall be that which is greater than 50% of the non-individualised contributions and the amount corresponding to the maximum in terms of the preceding paragraph and of the regulation, irrespective of whether have learned of the respective contributions within the time limits laid down in law.

The fines provided for in this article will be imposed by the Institute in accordance with the respective regulations. The fines referred to in the first paragraph shall not apply to employers who spontaneously enter into the terms of the Federation's Tax Code, the corresponding contributions and discounts.

Article 56.- Non-compliance with the patterns to promptly find out the contributions and discounts referred to in Article 29 will cause updates and surcharges and, where applicable, costs of execution, in accordance with the provisions of the Fiscal Code of the Federation.

The Institute, at the request of the employers, may grant extension for the payment of the debits derived from contributions not covered, in the terms of the Fiscal Code of the Federation, the Law of the Institute and its regulations. For such purposes, the Institute shall pay the worker's home sub-account, the amount equivalent to the interest corresponding to the period of omission of the employer, as well as those generated during the period covered by the extension, in accordance with the provisions of Article 39. In such cases, the 10-day term referred to in Article 30 shall be carried out from the date of compliance with the last bias.

The Institute shall inform the National Commission of the Savings System for the Withdrawal of the carryovers granted.

Without prejudice to the foregoing, the employers must provide copies of the extensions to the National Commission of the Retirement Savings System, as well as to the financial institutions that by general rules determines the same Commission.

Article 57.- Comet a crime comparable to that of tax fraud in the terms of the Fiscal Code of the Federation, and will be sanctioned with the penalties indicated for such illicit, who makes use of deception, make use of error, simulate some legal act or hide data, to omit totally or partially the payment of the contributions or the whole of the discounts made.

Article 58.- It shall be deemed to be fraud and shall be sanctioned as such, in the terms of the Federal Criminal Code, obtaining the credits or receiving the deposits to which it is Law refers, without having the right to it, by deception, simulation or substitution of person.

Article 59.- Workers will have the right at all times to make voluntary contributions to their individual account, either through their employer's or their employer's of the contributions or themselves. In these cases the contributions will be deposited with the sub-account of voluntary contributions.

Prior to the worker's consent, the amount of voluntary contributions referred to in the preceding paragraph may be transferred to the housing sub-account, in order to be applied for the granting of a credit in his favor, in the terms of this Law.

On the other hand, workers themselves or through their employers will be able to make extraordinary deposits specifically for housing programs approved by the Council of Ministers. Administration.

Article 60.- (Repeals).

Article 61.- (Repeals).

Article 62.- The working relationships between the Institute and its staff will be governed by the provisions of the Federal Labor Law.

Article 63.- The remnants that the Institute obtains in its operations will not be subject to the Income Tax or the participation of the workers in the companies.

Article 64.- The Institute will not be able to intervene in the administration, operation or maintenance of housing units, nor will it be able to cover the expenses corresponding to these concepts.

Article 65.- (Repeals).

Article 66.- In order for the Institute's resources to be invested in accordance with the provisions of this Law, the Federal Government, through the Secretary of Finance and Public Credit and the National Banking and Securities Commission, will have the following powers:

I.- The Secretariat of Finance and Public Credit, will monitor that the annual financial programs of the Institute do not exceed the current income budgets and the funding received by the Institute. Such funding must be approved in advance by this Secretariat, and

II.- The National Banking and Securities Commission will approve the systems of accounting and internal audit of the Institute in the field of its competence, dictating the accounting records of its operations, setting the rules for the estimation of its assets, and, where appropriate, its obligations and responsibilities, and rules of a prudential nature to be subject to their operations, taking into account this Law and the nature of the purposes of the Institute;

III.- The National Banking and Securities Commission will monitor and monitor the Institute's operations. comply with the established rules and sound practices, informing the Institute and the Secretariat of Finance and Public Credit of the irregularities that it may encounter, to be corrected, and, if necessary, impose the penalties that correspond to the the exercise of their functions, and

IV.- The National Banking and Securities Commission shall exercise all other applicable powers that are conferred, in accordance with their own law and their respective Regulations.

Under the above, they are not applicable to the National Housing Fund Institute for Workers, the provisions of the Federal Law of Entities Parastatals.

Article 67.- Housing sub-account funds to which this Act and the Social Security Act refer, may not be subject to compensation, assignment or embargo, except when deal with the credits granted from the National Housing Fund.

Article 68.- The Institute shall be deemed to be creditworthy and shall not be required to constitute legal deposits or bonds.

Article 69.- The Institute may conclude coordination and collaboration agreements with federal, state and municipal authorities, as appropriate, for the best performance of their duties. Public and private agencies and agencies will provide the Institute with the necessary statistical, census and fiscal information for the best development of its objectives.

Article 70.- The Institute shall not be subject to federal contributions, except for federal rights relating to the provision of public services. The Institute shall cover the payment of taxes and duties of a municipal nature, under the same conditions as the other causes.

Article 71.- In order to preserve and strengthen the savings of the right holders deposited in their sub-account of housing and taking into account the necessary balance sheets The Institute will provide options to help those accredited to preserve their heritage, so the Institute will carry out the recovery of the credits it would have granted on the basis of a social recovery scheme. approved by the Board of Directors.

TRANSIENT

Article First.- This Law shall enter into force on the day of its publication in the "Official Journal" of the Federation.

Article Second.- The contributions referred to in Chapter III of Title IV of the Federal Labor Law shall begin to be caused by 1. May this year.

Article Third.- The Board of Directors of the Institute shall submit to the Assembly, for consideration and approval as appropriate, the opinions referred to in Article 147 of the Federal Labor Law.

Article Fourth.- The first exercise of the Institute will end on December 31, 1972. For this exercise only the provisions contained in this Law on programmes, budgets and financial statements shall apply.

Article Fifth.- The first General Assembly of the Institute shall be installed within 15 days of the date on which the bases referred to in Article 8 are issued. of this Law.

Mexico, D. F., at 21 April 1972.-"Year of Juarez".- Renato Vega Alvarado, D. P.- Vicente Fuentes Díaz, S. P.- Ignacio F. Herreias, D. S.- Juan Sabines Gutiérrez, S. S.-Rubicas ".

In compliance with the provisions of Article 89 of the Political Constitution of the United Mexican States and for their proper publication and observance, I hereby exempt the present Decree at the residence of the Federal Executive Branch, in Mexico City, Federal District, at the twenty-two days of the month of April of a thousand nine hundred and seventy-two.- Luis Echeverría Alvarez.-Heading.-The Secretary of Labor and Social Security Social, Rafael Hernández Ochoa.-Heading.-The Secretary of Finance and Public Credit, Hugo B. Margain.-Heading.-The Secretary of Government, Mario Moya Palencia.-Heading.

TRANSIENT ITEMS OF REFORM DECREES

DECREE reforming various laws to match them with the Decree that reformed article 43 and other relative, of the Political Constitution of the United Mexican States.

Published in the Official Journal of the Federation on December 23, 1974

ARTICLE NINTH.- Articles 23, fraction I and 58 of the Law of the National Housing Fund for Workers are reformed in the following terms:

.........

TRANSIENT

ONLY ARTICLE.- This Decree shall enter into force 90 days after its publication in the Official Journal of the Federation.

Mexico, D. F., at 20 December 1974.-"YEAR OF THE FEDERAL REPUBLIC AND THE SENATE".- Francisco Luna Kam, S.P.- Pindaro Uriostegui Miranda, D. P.- Carlos Pérez Camera, S. S.- Carlos A. Madrazo Pintado, D. S.-Rubicas.

In compliance with the provisions of Article 89 of the Political Constitution of the United Mexican States and for their proper publication and observance, I hereby exempt the present Decree at the residence of the Federal Executive Branch, in Mexico City, Federal District. at the twenty-one day of the month of December of a thousand nine hundred and seventy-four.-"Year of the Federal Republic and of the Senate."- Luis Echeverria Alvarez.- Heading.-The Secretary of the Interior Mario Moya Palencia.-Heading.

Decree by which it is added and; Article 42 of the Law of the National Housing Fund for Workers and an Article 68 thereof.

Published in the Official Journal of the Federation on November 13, 1981

UNICO ARTICLE.-Article 42 of the Law of the National Housing Fund for Workers and an Article 68 is added to it, as follows:

.........

TRANSIENT

ONLY.- This decree shall enter into force from the day following that of its publication in the "Official Journal" of the Federation.

Mexico, D. F., October 29, 1981.-Ruben Dario Somuano López, D.P.-Victor Manuel Liceaga Ruibal, S.P. Silvio Lagos Martinez, D.S.-Rafael Minor Franco, S.S. -Rubicas. "

In compliance with the provisions of Article 89 of the Political Constitution of the United Mexican States, and for its proper publication and observance, I hereby express my request for the Decree at the residence of the Federal Executive Branch, in Mexico City, Federal District, on the four days of November of a thousand nine hundred and eighty-one.-José López Portillo. -Heading. -The Secretary of Labor and Social Welfare, Javier García Paniagua-Heading The Secretary of Finance and Credit Public, David Ibarra Munoz-Heading. -Secretary of Human Settlements and Public Works, Pedro Ramírez Vázquez-Rubrias. -Interior Secretary, Enrique Olivares Santana-Rubrial. -Chief of the District Department Federal, Carlos Hank Gonzalez. -Heading.

A decree that is reformed and added to several articles of the National Housing Fund for Workers ' Law.

Published in the Official Journal of the Federation on January 7, 1982

ONLY ARTICLE.- Articles 29 fraction III, 34, 36, 59, 61 64 and 67 are reformed; and two paragraphs are added to Article 40 of the Law of the National Housing Fund for Workers to remain as follows:

.........

TRANSIENT

ARTICLE FIRST.- This decree will take effect the day after its publication in the Official Journal of the Federation.

ARTICLE SECOND.- The obligation to find out the contributions and discounts referred to in Article 29, in accordance with the salary base set out in Article 143 of the Law Federal Labor, shall begin to run from the bimestre following the one in which the present decree enters into force.

ARTICLE THIRD.- The savings back requests that were submitted prior to the entry into force of this decree will be processed and resolved in accordance with the provisions in force on the date of submission of the relevant application.

ARTICLE FOURTH.- The applications for voluntary continuation within the INFONAVIT regime that were submitted prior to the entry into force of this decree, shall be processed and resolved in accordance with the provisions in force at the date of submission of the relevant application.

Mexico, D. F., at December 29, 1981.- Marco Antonio Aguilar Cortés, D.P.- Blas Chumacero Sánchez, S.P.- Silvio Lagos Martínez, D.S.- Luis Leon Aponte, S.S.- Headings ".

In compliance with the provisions of Article 89 (I) of the Political Constitution of the United Mexican States and for their proper publication and observance, I request the present Decree at the residence of the Federal Executive Branch, in Mexico City, Federal District, at the thirty days of December of a thousand nine hundred and eighty-one.- José López Portillo.-Heading.-The Secretary of Labor and Social Security Social, Sergio García Ramírez.-Heading.-The Secretary of Government, Enrique Olivares Santana-Heading.

Decree of Reforms to the Federal Labor Law and the Law of the National Housing Fund for Workers.

Published in the Official Journal of the Federation on December 30, 1983

ARTICLE SECOND.- Articles 30, 36, 40, 41, 49 and 55 of the Law of the National Housing Fund for Workers are reformed and added to be as follows:

..........

TRANSIENT

FIRST.- The deposit delivery requests submitted prior to these reforms and pending to be resolved, will be addressed in the terms of the provisions The legal framework for the reform of the The requests for delivery of deposits submitted after the beginning of the reform to Article 141 of the Federal Labor Law will be resolved in accordance with the law in force at the time when the right to merge rechargeable.

SECOND.- As of the entry into force of this Decree, the contributions that are made in favor of the workers already accredited, will be fully applied to constitute their savings fund.

THIRD.- This Decree shall enter into force on the day following its publication in the Official Journal of the Federation.

Mexico, D. F., at 23 December 1983.- Luz Lajous, D.P.- Raúl Salinas Lozano, S.P.- Xochitl Elena Llarena de G., D.S.- Guillermo Mercado Romero, S.S.- Headings ".

In compliance with the provisions of Article 89 (I) of the Political Constitution of the United Mexican States and for their proper publication and observance, I request the present Decree at the residence of the Federal Executive Branch, in Mexico City, Federal District, at the twenty-seven days of the month of December of a thousand nine hundred and eighty-three.- Miguel de la Madrid Hurtado.-Heading.-The Secretary of Labor and Social Forecast, Arsenio Farell Cubillas.-Heading.-The Secretary of Governor, Manuel Bartlett Diaz.-Heading.

Decree on reform of Article 51 of the Law of the National Housing Fund for Workers.

Published in the Official Journal of the Federation on February 8, 1985

ONLY ARTICLE.- Article 51 of the Law of the National Housing Fund for Workers is reformed to remain as follows:

..........

TRANSIENT ARTICLE

ONLY.- This Decree shall enter into force on the day following the date of its publication in the Official Journal of the Federation.

Mexico, D. F., at December 17, 1984.- Celso Humberto Delgado Ramírez. S. P.- Enrique Soto Izquierdo, D. P.- Rafael Armando Herrera Morales, S. S.- Arturo Cave Contreras, D. S.-rubrics. "

In compliance with the provisions of Article 89 (I) of the Political Constitution of the United Mexican States and for their proper publication and observance, I request the present Decree at the residence of the Federal Executive Branch, in Mexico City, Federal District, at the eighteen days of the month of December of a thousand nine hundred and eighty-four.- Miguel de la Madrid H.-Heading.-The Secretary of Labor and Social Security Social, Arsenio Farell Cubillas.-Heading.-The Secretary of Governor, Manuel Bartlett D.-Heading.-The Secretary of Finance and Public Credit. Jesus Silva Herzog Flores .-Heading.

DECREE that the Federal Labor and Institute of the National Housing Fund for Workers are retrained and added to.

Published in the Official Journal of the Federation on January 13, 1986

ARTICLE SECOND.- Articles 23 fraction I, 40 first paragraph, 44 and 51 of the Law of the National Housing Fund for Workers are reformed and added. to remain as follows:

..........

TRANSIENT ITEMS

FIRST.- The applications for delivery of deposits and release of debits presented prior to these reforms and those that they present later, but whose facts power generators have arisen before they are in force, will be resolved in accordance with these reforms.

SECOND.- This Decree shall enter into force on the day following the date of its publication in the Official Journal of the Federation.

Mexico, D. F., December 20, 1985.-Dip. Fernando Ortiz Arana, President.-Sen. Relief Diaz Palacios, President.-Dip. Juan Moises Calleja, Secretary.-Sen. Guillermo Mercado Romero, Secretary.-Rubicas.

In compliance with the provisions of Article 89 of the Political Constitution of the United Mexican States and for their proper publication and observance, I hereby express my request for the Decree at the residence of the Federal Executive Branch, in Mexico City, Federal District at the twenty-one day of December 1985.- Miguel de la Madrid H.-Rubrica.-Secretary of the Interior.- Manuel Bartlett D.-Rubrica.-El Secretary of Labor and Social Welfare, Arsenio Farell Cubillas.- Heading.

DECREE to reform, add and repeals various tax provisions.

Published in the Official Journal of the Federation on April 30, 1986

CHAPTER VII

Contributions to the National Housing Fund for Workers.

ARTICLE DECIMAL.- From 1o. In May 1986, the contributions referred to in Article 29 (II) of the Law of the Law of the National Housing Fund for Workers shall be heard no later than the 7th of the month following the month in which they make the payments. wages of the workers to their service. The moral persons referred to in Title III of the Law on Income Tax and the natural persons shall cover such contributions, by means of declarations which they shall submit to the authorized offices within the same time limit as provided for by the aforementioned. Law, in order to find out the deductions they make in respect of income tax for the remuneration that they cover for the provision of subordinate personal services.

TRANSIENT

ARTICLE FIRST.- This Law shall enter into force on the 1st day. May 1986.

ARTICLE SECOND.- Provisional payments of income taxes, value added, new and special cars on production and services, as well as the entire tax on the Remuneration for personal work paid under the direction and dependence of a employer and the contributions mentioned in section II of Article 29 of the Law of the National Housing Fund for Workers, which must be made in the month of May 1986, may be made within the time limits laid down by the provisions in force until 30 April 1986.

Mexico, D. F. on 24 April 1986.-Dip. Jesus Murillo Karam.-President.-Sen. Javier Ahumada Padilla, President.-Dip. Rebeca Arenas Martinez, Secretary.-Sen. Guillermo Mercado Romero, Secretary.-Rubicas. "

In compliance with the provisions of Article 89 (I) of the Political Constitution of the United Mexican States and for their proper publication and observance, I hereby express this Decree in the residence of the Federal Executive Branch, in Mexico City, Federal District, on the twenty-fifth day of the month of April of a thousand nine hundred and eighty-six.- Miguel de la Madrid H.-Heading.-The Secretary of the Interior, Manuel Bartlett D.- Heading.

law establishing, reforming, adding and repealing various tax provisions and adding to the General Law on Companies.

Published in the Official Journal of the Federation on December 28, 1989

CHAPTER XV

LAW OF THE INSTITUTE OF THE NATIONAL HOUSING FUND FOR WORKERS

ARTICLE THIRTY SECOND.- ARTICLE 35 of the Law of the Institute of the National Housing Fund for Workers is Reformed to remain as follows:

..........

TRANSIENT

ARTICLE FIRST.- This Law shall enter into force on the 1st day. of January 1990.

ARTICLE SECOND.- The administrative provisions, resolutions, queries, interpretations, authorizations or permissions of a general character or that would have been granted in particular, which contravene or are contrary to the provisions of this Law.

ARTICLE THIRD.- Provisional payments of income taxes, value added, as well as income tax integer for remuneration to work staff provided under the direction and dependence of a employer and the contributions referred to in Article 29 (II) of the Law of the National Housing Fund for Workers, to be carried out in January 1990, may be made within the time limits laid down by the provisions in force until 31 December December 1989.

ARTICLE FOURTH.- All the provisions dictated by the Federal Executive that in the field of fiscal stimulus are left without effect, with the exception of the following:

I.- The Decree establishing measures to boost the industry in the northern border strip and free zones of the country as well as in the border municipality of Cananea, Sonora, published in the Official Journal of the Federation on 31 October 1989.

II.- The Decree promoting the efficient supply of domestic and imported products in the northern border strip and free zones of the country, as well as the municipality Cananea border, Sonora, published in the Official Journal of the Federation on 31 October 1989.

III.- The Decree establishing the refund of import taxes to exporters, published in the Official Journal of the Federation on April 24, 1985.

The requests for fiscal stimulus to be resolved, formulated on the basis of the provisions that are left without effects, and which would have been submitted before 1o. of January 1990, shall be processed and resolved in accordance with the procedures laid down in those provisions.

The natural and moral persons who, in accordance with the provisions that are left without effects, have obtained certificates of tax promotion, may continue to credit their amount in the terms of those provisions.

The taxpayers referred to in the preceding paragraph shall continue to comply with the obligations laid down by the provisions which are left without effect, during the periods of they point out.

ARTICLE QUINTO.- The Secretariat of Commerce and Industrial Development, during the year of 1990, in consultation with the organizations of cocoa producers, will regulate, marketing and industrialisation of the same, in order to promote and order in favour of producers, the development of this sector.

Mexico, D. F., at 19 December 1989.-Dip. José Luis Lamadrid Sauza, President.-Sen. Alfonso Martínez Domínguez, President.-Dip. Hilda Anderson Nevarez de Rojas, Secretary.-Sen. Hugo Domenzain Guzmán, Secretary.-Rubicas. "

In compliance with the provisions of Article 89 (I) of the Political Constitution of the United Mexican States and for their proper publication and observance, I request the present Decree at the Residence of the Federal Executive Branch, in Mexico City, Federal District, on the twentieth day of December of a thousand nine hundred and eighty-nine.- Carlos Salinas de Gortari.-Heading.-The Secretary of Government, Fernando Gutierrez Barrios.-Heading.

DECREE that reform, add and repeals various provisions of the National Housing Fund Institute Act for Workers.

Published in the Official Journal of the Federation on February 24, 1992

ONLY ARTICLE.- Articles 15, 16 fractions VII, IX, X and XI, 23 fractions I third paragraph and VII, 29 fraction II, 30 second paragraph, 35, 36, 37, 38, 39, 40, 41, 42 fractions III and V and antepenlast paragraph, 43, 44, 45, 47, 48, 59, and 67 are AMENDED. ADDITIONAL Articles 16 with fractions XII and XIII, 29 with one last paragraph, 30 with fractions I to V and one last paragraph, 42 with one last paragraph at fraction I and with a third paragraph on fraction II passing the current third paragraph of the fraction to be the fourth paragraph of the same; 43 BIS, and 51 BIS to 51 BIS 6, and fractions V, VI and VII of the Article 10; the third and fourth paragraphs of the 30, the last paragraph of fraction II of 42, 60, 61, and 65, of the Law of the Institute of the National Housing Fund for Workers, to remain as follows:

..........

TRANSIENT

ARTICLE FIRST.- This Decree shall enter into force from the day following that of its publication in the Official Journal of the Federation, except for amendments to the 42 fraction V, which shall enter into force on 1. of January 1993.

ARTICLE SECOND.- The first estimate of the Institute's remaining operating balance shall be made no later than 15 December 1992 for the purposes of the 1993 financial year.

The Institute shall carry out the first auction of financing for the construction of sets of rooms referred to in Articles 42 and 51 BIS to 51 BIS 6, at the latest 1o. of January 1993.

The Institute will have to gradually and consistently adjust the insolute balance of financing for the construction of room sets, in accordance with the provisions of the Article 51 BIS, in a period ending in March of 1997.

ARTICLE THIRD.- The entry into force of this Decree will be repealed with all those provisions that oppose it.

ARTICLE FOURTH.- Both the deposits constituted and the credits granted, prior to the entry into force of this Decree, will continue to apply to them. (a) provisions relating to the entry into force of the said entry into force.

Within a period of 24 months from the entry into force of this Decree, the Institute shall calculate the balance of those deposits made in the name of the each worker. This information shall be provided to workers in the form and terms determined by the Board of Directors.

Fe de errata to article 12-03-1992

ARTICLE QUINTO.- The employers will be required to open a global account in favor of their workers in the credit institution of their choice, with the corresponding contribution the second two-month period of 1992, the same as they must be carried out by 29 May 1992 at the latest. Companies with fewer than 100 employees will be able to open the accounts of this article up to 1o. July 1992.

The contributions provided for in the second transitional article of the Decree that reform and add to various provisions of the Social Security Law and the Income Tax Law, which will be for the equivalent of eight percent of the basic salary of the workers, referred to in the last paragraph of Article 33 of the Social Security Law, to the 1st. May 1992, raised to the month, as well as those referred to in the preceding paragraph of this Article, shall be made on the same date, within the time limits laid down for the fulfilment of such contributions.

Fe de misprints to paragraph 12-03-1992

No withdrawals may be made from the global accounts, except to cover the amounts corresponding to the worker, as referred to in the transitional article.

Workers will not be able to make additional contributions to those accounts.

ARTICLE SIXTH.- The resources of the global accounts shall be invested in accordance with Articles 42 and 43.

ARTICLE SEVENTH.- The employers when making the contributions to their position as set out in the fifth transitional article, must submit to the respective credit institution, a relationship containing the name, the federal taxpayer register, the address and the amount of the contribution that corresponds to each of its employees.

ARTICLE EIGHTH.- In the event of termination of the employment relationship, during the period between the date of entry into force of this Law and 31 August 1992, and provided that the credit institution which has received the contribution referred to in the transitional Article 5 has not opened an individual retirement savings account in the name of the worker concerned, the employer shall provide the the contributions that correspond to that date through the delivery of Certificates of Contribution of the Savings System for the Retreat, at the latest within five working days of the said termination. The amount of such certificates shall be covered by the standard in charge of the resources of the global account referred to in the transitional article, by the proportion of the contribution corresponding to the worker or to his own resources. resources for the proportional share of the third and fourth of 1992, as appropriate.

The Bank of Mexico will fix the characteristics to be collected by those certificates.

Certificates may only be credited to the individual account of the worker concerned, and shall be compensable among the credit institutions.

ARTICLE NINTH.- Not later than 1o. In September 1992, the credit institutions will have to individualise the global accounts by opening accounts in favour of each worker. The balances of those accounts shall be credited to the housing sub-account of the individual accounts of each of the employees, as appropriate.

ARTICLE DECIMAL.- From 1o. In September 1992, the bi-monthly contributions shall be entered into the housing sub-account of the individual accounts opened in favour of the employees.

The contribution for the third two-year period of 1992 shall be made in the overall accounts referred to in the transitional Article 5.

ARTICLE TENTH FIRST.- For the period between 1o. In September and 31 December 1992, workers may not apply for transfers of funds provided for in Article 183-L of the Social Security Act.

Fe de errata al artícula 12-03-1992

ARTICLE TENTH SECOND.- The whole of the contributions laid down in the fifth transitional article, as well as the quotas corresponding to the bimonthly third to sixth of 1992, they will be credited by the delivery that the employers will have to carry out to each of their workers, of a voucher elaborated by the own employers, same that they will have to give to them together with the last payment of salary of the months of May, July, September and November 1992 and January 1993, as appropriate in accordance with the Fifth transitional article.

ARTICLE TENTH THIRD.- The budget of administration, operation and surveillance expenses of the Institute referred to in Section VII of Article 16 of the Law of the Institute The National Housing Fund for Workers for the years 1992, 1993, 1994 and 1995 shall not exceed, respectively, 1.30%, 1.10%, 0.90% and 0.80% of the total resources that the Institute manages.

From the year of 1996, the quoted expenditure budget shall be in accordance with the provisions of Article 16

VII).

Mexico, D. F., to 22 February 1992.-Dip. Victor Martina Ordering Munon, President.-Sen. Victor Manuel Tinaco Rubi, President.-Dip. Beloved Triennium Abate, Secretary.-Sen. Allegro Leon Moreno, Secretary.-Rubicas. "

In compliance with the provisions of Article 89 of the Political Constitution of the United Mexican States and for their proper publication and observance, I hereby express my request for the Decree, in the residence of the Federal Executive Branch, in Mexico City, Federal District at the twenty-two days of February of a thousand nine hundred and ninety-two.- Carlos Salinas de Gortari.-Heading.-The Secretary of Government, Fernando Gutierrez Barrios.-Heading.

FE of errata to the Decree that reform, adds and repeals various provisions of the Law of the Institute of the National Fund of Housing for Workers, published on February 24, 1992.

Published in the Official Journal of the Federation on March 12, 1992

In the Second Section, page 10, the name of the Decree, first line, says:

DECREE that reform, add and repeals various provisions of the Institute of the Institute of the

You must say:

DECREE that reform, add and repeals various provisions of the Law of the Institute of the

In the Second Section, page 11, article 16, dotted line was omitted as immediate row prior to fraction IX.

You must say:

.............................................................

IX. Set the rules for granting credits;

In the Second Section, page 15, ARTICLE 48, fourth row, says:

maximum sale of rooms whose purchase or construction may be the subject of the credit quotation-

You must say:

maximum sale of rooms for which the purchase or construction may be the subject of the quotation.-

In the Second Section, page 15, ARTICLE 51 BIS 3, second row,

says:

which will cause the financing from its grant, in case the homes built on

You must say:

which will cause the financing from its grant, in case the homes built on

In the Second Section, page 16, ARTICLE FOURTH, second paragraph, first line, says:

Within 24 months from the entry into force of this Decree, the Insti-

You must say:

Within a period of 24 months from the entry into force of this Decree, the Insti-

In the Second Section, page 16, ARTICLE FOURTH, second paragraph, second to fourth rows, says:

must calculate the balance of such deposits made on behalf of each worker, " This information shall be provided to workers in the form and terms that determine the Board of Directors. "

You must say:

tuto shall calculate the balance of the deposits made on behalf of each worker. This information shall be provided to workers in the form and terms determined by the Board of Directors.

In the Second Section, page 16, ARTICLE QUINTO, second paragraph, fourth row, says:

paragraph of article 33 of the Social Security Act, to 1o. May 1992, raised per month, as well as the

You must say:

paragraph of article 33 of the Social Security Act, to 1o. May 1992, bringing up to the month, as well as the

In the Second Section, page 17, ARTICLE TENTH FIRST, second line, says:

of December 1992, workers will not be able to apply for transfers of funds provided for in Article 183-

You must say:

of December 1992, workers may not apply for transfers of funds provided for in Article 183-

DECREE for the coordination of Savings Systems for Retirement.

Published in the Official Journal of the Federation on July 22, 1994

ARTICLE THIRD.- Articles 16 fraction XI; 23 fraction I, third paragraph; 29 fraction II; 30 fraction I first paragraph, and fraction V second paragraph; 35 paragraph second; 38; 40 paragraphs, first, second, fourth and sixth; 43 first paragraph and 55 of the Law of the National Housing Fund for Workers. Articles 29 fraction III with a second paragraph passing the current one to be third paragraph; 30 fraction V with a third paragraph; 35 with a third and fourth paragraph and 43 with a third paragraph of the Law of the Institute of the National Fund of the Housing for Workers to stay as follows:

..........

TRANSIENT

FIRST.- This decree shall enter into force the day after its publication in the Official Journal of the Federation.

SECOND TO NINTH.- Article 108 second paragraph of the Credit Institutions Act and the other provisions that are contrary to the provisions of this decree are repealed.

THIRD.- The Rules, Resolutions and other provisions previously issued in respect of the Retirement Savings Systems remain in force until they are not amended or repealed by the National Commission of the System of Savings for the Retreat in exercise of the powers conferred on it by this decree.

FOURTH.- The powers and functions referred to in this decree shall continue to be carried out by the agencies, entities and bodies, within the scope of their respective powers, until the National Commission of the System of Savings for the Retreat, in terms of the eighth transitory article.

QUINTO.- The Secretary of Finance and Public Credit will appoint the President of the Commission within thirty days following the one in which this decree enters into force.

SIXTH.- Within thirty days of its appointment, the President of the Commission will convene the offices of the Federal Executive, the Social Security Institutes and the Bank of Mexico, to the effect that the alternate members of the Governing Board, in accordance with the provisions of Article 5 of the Law for the Coordination of Savings Systems for the Retreat at the latest within a period of 30 years, shall be appointed. days from the date of receipt of the call.

SEVENTH.- Within forty days of the date on which the Governing Board is integrated, the President of the Commission shall convene the persons, associations, institutions and agencies referred to in Articles 10 and 11 of the Law for the Coordination of Savings Systems for the Retreat to the effect that within a period of 20 days, they appoint the members of the Advisory Technical Committee as well as to those of the Supervisory Committee.

EIGHTH.- The Secretariat of Finance and Public Credit will have the term of one hundred and eighty days from the time of this decree, so that in the administrative order establish what is necessary for the operation of the National Commission of the Savings System for the Retreat and must provide the necessary human, material and budgetary resources. Chapter V "Of the Protection of the Interests of the Employed Persons" of the Law for the Coordination of the Savings Systems for the Retreat, shall enter into force on the two hundred and seventy days of the entry into force of this decree.

NINTH.- The Commission's Rules of Procedure must be issued within a period of not more than one hundred and eighty days, counted from the day on which the Board of Directors is legally installed. Government and must be published in the Official Journal of the Federation.

Mexico, D.F., on July 13, 1994.-Dip. Miguel González Avelar, President.-Sen. Ricardo Monreal Avila, President.-Dip. Armando Romero Rosales, Secretary.-Sen. Oscar Ramirez Mijares, Secretary.-Rubicas.

In compliance with the provisions of Article 89 of the Political Constitution of the United Mexican States, and for its proper publication and observance, I hereby express my request for the Decree at the residence of the Federal Executive Branch, in Mexico City, Federal District, on the twentieth day of July of a thousand nine hundred and ninety-four.- Carlos Salinas de Gortari.-Heading.-The Secretary of the Interior, Jorge Carpizo.-Heading.

DECREE to reform and add to various provisions of the Law of the National Housing Fund for Workers.

Published in the Official Journal of the Federation on January 6, 1997

ONLY ARTICLE.- Articles 5; 16 fractions VII and X; 17 third paragraph; 25 first paragraph; 29 fractions II and III; 30 fractions II and IV; 31; 32; 33; 34; 35; 37; 38; 39; 40; 41 second and third paragraphs; 42 fractions I, II and IV; 43; 43 Bis; 44 first paragraph; 45; 47, first paragraph; 49 first paragraph; 51 third paragraph; 51 Bis second paragraph; 56, 59 and 64; items 16 with a new fraction X are ADDED passing the current X fraction that is reformed and the current fractions XI, XII and XIII, to be the XI, XII, XIII and XIV respectively; 29 fraction I with a second and third paragraphs, with fractions IV, V, VI, VII, VIII and IX as well as with two last paragraphs; 30 with fractions VI, VII, VIII, IX, X and XI; 41 with a fourth paragraph; 51 with a new fourth paragraph passing the current fourth, fifth and sixth paragraphs to be the fifth, sixth and seventh paragraphs respectively; 69 and 70 of the Law of the National Housing Fund Institute for Workers, to remain as follows:

..........

TRANSIENT items

FIRST.- This Decree shall enter into force on the first day of July of a thousand nine hundred and ninety-seven.

As long as the corresponding regulatory provisions are issued, the existing regulations of the National Housing Fund Institute Law for the Workers, in so far as they do not object to this order.

SECOND.- The contributions and write-downs of credit corresponding to the third and previous years of the year should continue to be found in credit institutions or institutions (a) authorised financial institutions, in accordance with the laws and regulations in force until 30 June 1997.

THIRD.- Both the deposits constituted and the credits granted prior to the entry into force of this Decree, will continue to apply to them. provisions in force at the time the deposits were made or the credits were granted.

FOURTH.- The procedures and procedures pending the entry into force of this Law will be resolved in accordance with the provisions in force until June 30. of 1997.

QUINTO.- The upper salary limit referred to in Article 29 fractions II and III shall be in accordance with the provisions of the Social Security Act which shall enter into force on 1. July 1997, in the part corresponding to the invalidity and life insurance, advanced age and old age insurance.

SIXTH.- The periodicity of the payment of the contributions and the discounts referred to in Article 35 shall continue to be bimonthly until the Law of the Institute of Security and Social Services of the State Workers is established that the periodicity of payments will be made monthly.

SEVENTH.- The budget for administration, operation and surveillance expenditure of the Institute referred to in Article 16 (VII), corresponding to the years 1997, 1998 and 1999, shall represent at most 0,65%, 0.60% and 0,575% respectively of the total resources managed by the Institute.

As of the year 2000, the quoted expenditure budget shall be in accordance with the provisions of Article 16 (VII

.

EIGHTH. Workers who benefit under the Social Security Act regime up to June 30, 1997, in addition to enjoying the pension that in the terms of that law, the funds accumulated in the housing sub-account corresponding to the accumulated contributions up to the third and third months of 1997 and the income that would have been paid shall be received in a single exhibition. generated.

The funds accumulated in the housing sub-account from the fourth quarter of 1997 and their returns will be delivered in a single exhibition on the same terms and conditions to those set out in the preceding paragraph.

In the case of workers who prior to the entry into force of this Article, have demanded the delivery of the contributions referred to in the (a) the first paragraph of Article 3 (1) of the Treaty and Article 4 (1) of the Treaty on the European Parliament and of the Council of the European Parliament and of the Council of the European Parliament and of the Council of the European Parliament and of the Council of the European Parliament to the Federal Government, they must be given in a single exhibition.

In the case of workers who have benefited from the Social Security Law regime in force until 30 June 1997 during the period of the first of July 1997 to the date on which this article enters into force, including those who have demanded the surrender of the resources and have received a resolution against them, shall be identified and receive the funds accumulated in the housing sub-account from the fourth quarter of 1997 and its yields, at a maximum of 18 months after the entry into force of this transitional article, in accordance with procedures to be determined by the Secretariat of Finance and Public Credit by means of general provisions, which shall be issued within a maximum period of time One hundred and eighty calendar days counted from the entry into force of this Article.

The delivery to the workers of the funds referred to in this article must be carried out through the National Housing Fund Institute for the Workers; for the purposes of the third and fourth paragraph of this transitional article, the Secretariat of Finance and Public Credit will provide the Institute with the corresponding resources.

DOF Reformed Item 12-01-2012

NINTH.- Credit institutions that were operating sub-accounts of the individual accounts of the Savings Systems for the Retirement, prior to the validity of this Law, must refrain from continuing to capture new sub-accounts, as of the entry into force of this Decree.

Credit institutions shall be subject to the regulations prior to the validity of this Law in each and every one of the obligations to their office related to the sub-accounts. housing the individual accounts of retirement savings systems. They shall also be subject to the inspection and surveillance of the National Commission of the Retirement Savings System, as long as they handle the sub-accounts of the aforementioned system.

DECIMAL.- Information about the balances of the housing sub-accounts will be provided to the retirement fund managers, who will keep them registered with the sub-accounts.

TENTH FIRST.- In relation to the provisions of Article 39, during the first half of 1997 the income of the housing sub-account shall be covered under the provisions legal force for that semester.

TENTH SECOND.- The articles of the Social Security Law cited in this Decree, refer to the Social Security Law published in the Official Journal of the Federation on 21 December 1995.

TENTH THIRD.- For worker identification, your social security number will be used as long as you are not assigned your Single Population Registration Key (CURP) in the terms provided by the "Agreement for the adoption and use by the Federal Public Administration of the Single Key to the Population Register", published in the Official Journal of the Federation on October 23, 1996.

TENTH QUARTER.- At the discounts made to the accredited by concept of administration fees, operation and maintenance of housing units and that have not been withdrawn by the neighbourhood representations to the date of entry into force of this Law, the following criteria shall apply:

I. In the case of deposits corresponding to neighborhood representations accredited to the banking institutions in which these resources are deposited, it is established as a period until the end of the 6th. The first two months of 1997 for the withdrawal of the entire balance. The neighbourhood representations which, before 30 September 1997, credit their constitution or integration of boards of directors to the credit institutions, will receive the treatment described above.

II. For resources deposited in banks, corresponding to neighborhood representations whose boards are not integrated or do not credit the validity of their representation to the credit institutions, the following shall be made: way:

a) To those accredited who have not completed the amortization of their credit will be paid the amount corresponding to the individualization of their discounts. As regards the interest generated in the bank account opened in the name of the neighborhood representation, these will be distributed in proportion to the amounts discounted to the members of the bank account. Any remaining in favor of the credited will be paid on your home sub-account.

b) In the case of workers who have concluded payments for the amortization of their credit, the resources will be credited to their home sub-account.

III. In the case of deposits that have not been transferred to banks, due to the fact that the neighbourhood representations have not been constituted, the provisions of points (a) and (b) of section II will apply to those accredited who have not yet written off the all your credit and for those who already did.

TENTH FIFTH.- The carryovers referred to in Article 41 applicable when the credited has ceased to provide services to a patron shall be exempt from interest payments. For three months in 1997, for two months in 1998 and for one month in 1999.

Mexico, D. F., as at 6 December 1996.-Dip. Sara Esther Muza Simon, President.-Sen. Laura Pavon Jaramillo, President.-Dip. Jose Luis Martinez Alvarez, Secretary.-Sen. Angel Ventura Valle, Secretary.-Rubicas.

In compliance with the provisions of Article 89 of the Political Constitution of the United Mexican States, and for its proper publication and observance, I hereby express my request for the Decree at the residence of the Federal Executive Branch, in Mexico City, Federal District, at the twenty-seven days of the month of December of a thousand nine hundred and ninety-six.- Ernesto Zedillo Ponce de León.-Heading.-The Secretary of Government, Emilio Chuayffet Chemor.-Heading.

DECREE which reforms various tax provisions.

Published in the Official Journal of the Federation on December 31, 2000

Transitional Provisions of the Organic Law of the Fiscal Court of the Federation

Article Tenth First. In relation to the modifications referred to in Article Tenth of this Decree, you will be the following:

I.    The reform of Article 28 of the Organic Law of the Fiscal Court of the Federation will enter into force on 1. February 2001.

II.   For the purposes of Article 31 of the Organic Law of the Fiscal Court of the Federation, the claims filed before 1o. of January 2001, shall be the responsibility of the Regional Chamber concerned, in accordance with Article 31, in force until 31 December 2000.

III. The name of the Fiscal Court of the Federation is reformed by the Federal Court of Justice and Administrative Court. Consequently, the Organic Law of the Fiscal Court of the Federation is reformed, both in its title and in its provisions, as well as in all those contained in the Fiscal Code of the Federation and in other tax and administrative laws. The Federal Court of Justice, in which the Federal Court of Justice is summoned, to replace that name by the Federal Court of Justice and Administrative Court.

Transient

First. This Decree will take effect on 1o. of January 2001.

Second. The particulars given in this Decree to the Secretaries whose names were modified for the purposes of the Decree published in The Official Journal of the Federation on Thursday, November 30, 2000, through which the Organic Law of the Federal Public Administration was reformed, will be understood according to the name that for each one was established in the latter.

Mexico, D.F., at December 28, 2000.-Sen. Enrique Jackson Ramirez, President.-Dip. Ricardo Francisco García Cervantes, President.-Sen. Yolanda González Hernández, Secretary.-Dip. Manuel Medellin Milan, Secretary.-Rubicas".

In compliance with the provisions of Part I of Article 89 of the Political Constitution of the United Mexican States, and for their due publication and observance, I request the present Decree in the residence of the Federal Executive Branch, in Mexico City, Federal District, at the twenty-nine days of December of two thousand.- Vicente Fox Quesada.-Heading.-The Secretary of Governor, Santiago Creel Miranda.-Heading.

DECREE adding a third paragraph to Article 47 of the National Housing Fund Institute Act for Workers.

Published in the Official Journal of the Federation on May 25, 2001

ARTICLE- A third paragraph is added to Article 47, reminding the current third party order to remain as the fourth of the Law of the Institute of the National Housing Fund for Workers:

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TRANSIENT

ONLY.- This Decree shall enter into force on the day following its publication in the Official Journal of the Federation.

Mexico, D.F., April 25, 2001.-Sen. Enrique Jackson Ramirez, President.-Dip. Ricardo Francisco García Cervantes, President.-Sen. Yolanda González Hernández, Secretary.-Dip. Manuel Medellin Milan, Secretary.-Rubicas".

In compliance with the provisions of Part I of Article 89 of the Political Constitution of the United Mexican States, and for their due publication and observance, I request the present Decree in the residence of the Federal Executive Branch, in Mexico City, Federal District, at the twenty-two days of May of two thousand one.- Vicente Fox Quesada.-Heading.-The Secretary of Governor, Santiago Creel Miranda.-Heading.

DECREE by which various provisions of the Law of the National Housing Fund for Workers are amended, added and repealed.

Published in the Official Journal of the Federation on 1 June 2005

ARTICLE FIRST.- Articles 6o, 10, 16, 17, 18, 19, 21, 23, 25, 28, 39, 58 and 66 of the Law of the National Housing Fund for the Workers, to stay as follows:

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ARTICLE SECOND.- Articles 18 Bis, 18a 1, 19a, 19a 1, 25a and 25 Bis 1 are added to the Law of the Institute of the National Housing Fund for the Workers, to remain as follows:

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ARTICLE THIRD.- Article 20 of the Law of the National Housing Fund for Workers is repealed.

TRANSIENT

FIRST.- This Decree shall enter into force on the day following its publication.

SECOND.- The Institute of the National Housing Fund for Workers shall implement the provisions of this Decree by 31 July at the latest. 2005.

THIRD.- In all the provisions where the Inconformities and Valuation Commission is mentioned, the Inconformities Commission will be understood.

FOURTH.- All provisions that are opposed to this Decree will be repealed.

Mexico, D.F., on April 27, 2005.-Sen. Diego Fernandez de Cevallos Ramos, President.-Dip. Manlio Fabio Beltrones Rivera, President.-Sen. Yolanda E. González Hernández, Secretariat.-Dip. Marcos Morales Torres, Secretary.-Rubicas."

In compliance with the provisions of Section 89 of the Political Constitution of the United Mexican States, and for their due publication and observance, This Decree is issued at the Federal Executive Branch in Mexico City, Mexico City, in the thirty days of May, two thousand five. Vicente Fox Quesada.-Heading.-The Secretary of Government, Santiago Creel Miranda.-Heading.

DECREE for the reform of Articles 43, 44 and 47 of the Law of the National Housing Fund for Workers and the eighth transitional of the Decree for which they are reformed and In addition, various provisions of the Law of the Institute of the National Housing Fund for Workers are added, published on January 6, 2001. 1997.

Published in the Official Journal of the Federation on January 12, 2012

ARTICLE FIRST. Articles 43, second and current third paragraphs, and the fourth paragraph of Article 47 are amended; and Articles 43 with a third paragraph are added, passing the present third and fourth paragraphs to be fourth and fifth, respectively; 44, with a third paragraph, passing the current third paragraph to be the fourth, and 47 with a fifth paragraph, of the Law of the National Housing Fund Institute for Workers, to remain as follows:

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ARTICLE SECOND. Reform of the Eighth Transitional Article of the "Decree for reforming and adding various provisions of the Law of the Institute of the Fund" National Housing for Workers, published in the Official Journal of the Federation on January 6, 1997 ", to remain as follows:

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TRANSIENT

ONLY.- This Decree shall enter into force on the day following its publication in the Official Journal of the Federation.

Mexico, D.F., at December 13, 2011.-Dip. Emilio Chuayffet Chemor, President.-Sen. José González Morfin, President.-Dip. Guadalupe Pérez Domínguez, Secretariat.-Sen. Ludivina Menchaca Castellanos, Secretary.-Rubicas."

In compliance with the provisions of Section 89 of the Political Constitution of the United Mexican States, and for their due publication and observance, I ask for this Decree in the Federal Executive Branch, in Mexico City, Federal District, at 11 January of two thousand twelve.- Felipe de Jesús Calderón Hinojosa.-Rubrica.-The Secretary of the Interior, Alejandro Alfonso Poire Romero.-Heading.

DECREE for the reform of various Federal Laws, in order to update all those articles that refer to the Secretaries of State whose name was modified and the Government of the Federal District in the pipeline; as well as remove the mention of administrative departments that are no longer valid.

Published in the Official Journal of the Federation on April 9, 2012

ARTICLE TWENTIETH SEVENTH. Article 51 Bis 1, last paragraph of the Law of the National Housing Fund for Workers, is reformed. remain as follows:

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TRANSIENT

First. This decree shall enter into force the day after its publication in the Official Journal of the Federation.

Second. As of the date this Decree enters into force, the provisions that contravene or oppose it are left without effect.

Mexico, D.F., on February 21, 2012.-Dip. Guadalupe Acosta Naranjo, President.-Sen. José González Morfin, President.-Dip. Laura Arizmendi Campos, Secretary.-Sen. Renan Cleominio Zoreda Novelo, Secretary.-Rubicas."

In compliance with the provisions of Section 89 of the Political Constitution of the United Mexican States, and for their due publication and observance, I ask for this Decree in the Federal Executive Branch, in Mexico City, Federal District, at thirty March of two thousand twelve.- Felipe de Jesús Calderón Hinojosa.-Heading.-The Secretary of the Interior, Alejandro Alfonso Poire Romero.-Heading.

DECREE adding article 71 to the Law of the National Fund for Workers ' Housing.

Published in the Official Journal of the Federation on January 15, 2014

UNICO ARTICLE.- Article 71 is added to the Law of the Institute of the National Fund for the Housing of Workers, to remain as follows:

.........

TRANSIENT

ONLY. This decree shall enter into force on the day following that of its publication in the Official Journal of the Federation.

Mexico, D.F., at 3 December 2013.-Dip. Ricardo Anaya Cortes, President.-Sen. Raul Cervantes Andrade, President.-Dip. Angelina Carreno Mijares, Secretary.-Sen. Rosa Adriana Diaz Lizama, Secretary.-Rubicas."

In compliance with the provisions of Section 89 of the Political Constitution of the United Mexican States, and for their due publication and observance, I request the present Decree in the Federal Executive Branch, in Mexico City, Federal District, to ten January of two thousand fourteen.- Enrique Peña Nieto.-Rubrica.-The Secretary of the Interior, Miguel Angel Osorio Chong.- Heading.

DECREE adding an article 43 Ter to the Law of the National Housing Fund for Workers.

Published in the Official Journal of the Federation on March 19, 2014

Article Unique. An article 43 Ter is added to the Law of the National Housing Fund for Workers, to remain as follows:

.........

Transient

First. This Decree shall enter into force on the day following that of its publication in the Official Journal of the Federation.

Second. As of the publication of this order, the National Housing Fund Institute for workers will have 8 months for the creation of the rules and conventions required to comply with this order.

Mexico, D.F., on February 11, 2014.-Sen. Raul Cervantes Andrade, President.-Dip. Ricardo Anaya Cortes, President.-Sen. Maria Elena Barrera Tapia, Secretary.-Dip. Fernando Bribiesca Sahagun, Secretary.-Rubicas."

In compliance with the provisions of Section 89 of the Political Constitution of the United Mexican States, and for their due publication and observance, I ask for this Decree in the Federal Executive Branch, in Mexico City, Federal District, to twelve March of two thousand fourteen.- Enrique Peña Nieto.-Heading.-The Secretary of the Interior, Miguel Angel Osorio Chong.- Heading.

DECREE adding an article 29 Bis to the Law of the National Housing Fund for Workers.

Published in the Official Journal of the Federation on June 4, 2015

Article Unique. an article 29 Bis is added to the Law of the Institute of the National Housing Fund for Workers to remain as follows:

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Transient

Unique.- This Decree shall enter into force on the day following that of its publication in the Official Journal of the Federation.

Mexico, D.F., at 23 April 2015.-Dip. Julio Cesar Moreno Rivera, President.-Sen. Miguel Barbosa Huerta, President.-Dip. Luis Antonio González Roldan, Secretary.-Sen. Lucero Saldana Perez, Secretary.-Rubicas."

In compliance with the provisions of Section 89 of the Political Constitution of the United Mexican States, and for their due publication and observance, I ask for this Decree in the Federal Executive Branch, in Mexico City, Federal District, at the beginning of June of two thousand fifteen.- Enrique Peña Nieto.-Heading.-The Secretary of the Interior, Miguel Angel Osorio Chong.-Heading.