Anti-Money Laundering Law 2025: Are You Ready to Comply... or FaceInvestigation?

The most significant reform in years is now underway. If your company

engages in vulnerable activities, non-compliance is no longer an option.

Preventing money laundering is no longer just a legal obligation—it's a corporate

and ethical responsibility.

The recent reform to the Federal Law for the Prevention and Identification of

Operations with Illicitly Sourced Funds (LFPIORPI), published on July 16, 2025,

marks a pivotal moment in the fight against money laundering. The message is

clear: the loopholes, omissions, and indifference are over.

What Changed? The Essentials at a Glance

 Increased institutional coordination: SHCP, FGR, GN, SSPC, and

international organizations are now working more closely.

 Stricter penalties: Penalties now also apply to straw persons

(prestanombres).

"Controlling Beneficiary" redefined: Registration is now mandatory.

 Figures like Politically Exposed Persons (PEPs) are incorporated.

 Cryptocurrencies, real estate developments, prepaid cards, notaries,

and trusts are under closer scrutiny.

Obligations Every Company Must Address

 Identify and understand your client (KYC).

 Maintain records and documentation for 10 years.

 Train personnel and establish clear internal policies.

 Implement automated systems to detect deviations.

 Conduct audits based on your risk level.

What Happens If You Don't Comply?

The risk isn't just a fine; it's exposure to criminal investigations, being considered

an accomplice, or losing your operating permits.

What Can You Do Today?

 Identify if your company engages in a vulnerable activity.

 Review your internal policies and update them with a risk-based approach.

 Appoint a compliance officer.

 Seek expert advice: this reform leaves no room for improvisation.

More than ever, facing the corrosive power of organized crime, companies that

comply, train, and act responsibly are the ones that will survive and thrive in this

new environment.

At Cadena Advisors, we're ready to help you implement an effective

compliance plan and prevent contingencies. Not just because it's the law, but

because it's the right thing to do.