On May 6, 2025, the National Workers’ Housing Fund Institute (Infonavit) published a notice on the National Regulatory Improvement Commission (CONAMER) website regarding the legal deadline granted to Employers to adjust their internal systems and administrative processes.
This measure stems from the reform to Article 29 of the Infonavit Law, published in the Official Gazette of the Federation on February 21, 2025. The main objective is to correctly determine, execute, and remit payroll deductions designated for housing loan payments.
Impact of the Reform
For Employers
- Implementation deadline: A defined period is granted to adjust administrative systems and comply with the new deduction provisions.
- Accuracy obligation: They must ensure the correct application of deductions and their timely remittance to the Institute.
- Potential penalties: Non-compliance or errors in withholding could result in penalties or tax adjustments.
For Workers
- Transparency: The aim is to ensure that payments are made clearly and without errors.
- Protection against improper charges: Reinforces the assurance that deductions are correct and reflected in the loan balance.
- Access to information: Greater clarity regarding payment processes and loan tracking.
Key Points of the Notice
- Application of deductions: The reform establishes that deductions for loan payments will not be suspended due to absences or disabilities, in accordance with the Social Security Law.
- Effective date: The reform took effect the day following its publication.
- Legal Certainty: The principle of legitimate expectations is recognized to avoid abrupt changes that affect the parties.
- Adaptation period: The Board of Directors approved a transitional provision for the necessary technological adjustments.
- Deadline: Adjustments must be ready for the 4th bimonthly payroll of 2025 (July-August), with a deadline of September 17, 2025.
Note: This notice seeks to ensure an orderly transition and avoid legal uncertainty for both employers and workers.
