This document reviews Mexico’s secured claims treatment, pledge, mortgage, trust, highlighting digital assets and practical challenges in insolvency and pre‑insolvency proceedings.
In Mexico, security interests over chattel property (bienes muebles) are primarily perfected through the commercial pledge (prenda mercantil) and the non-possessory pledge (prenda sin transmisión de posesión), both governed at the federal level by the Ley General de Títulos y Operaciones de Crédito (General Law of Negotiable Instruments and Credit Transactions, LGTOC).
A security interest over immovable property (bienes inmuebles) is most commonly created through a mortgage (hipoteca), which is regulated by the civil codes of each Mexican state. In certain commercial scenarios, an industrial mortgage (hipoteca industrial) may be used, which can secure both movable and immovable property as part of a unified, or blanket, lien.
Another widely used and highly flexible instrument is the security trust (fideicomiso de garantía), regulated under the LGTOC, which allows the transfer of title to movable and / or immovable assets to a trustee for the benefit of creditors, facilitating the structuring of complex, multi-asset collateral packages.
In Mexico, security interests over chattel property (bienes muebles) are primarily perfected through the commercial pledge (prenda mercantil) and the non-possessory pledge (prenda sin transmisión de posesión), both governed at the federal level by the Ley General de Títulos y Operaciones de Crédito (General Law of Negotiable Instruments and Credit Transactions, LGTOC).
A security interest over immovable property (bienes inmuebles) is most commonly created through a mortgage (hipoteca), which is regulated by the civil codes of each Mexican state. In certain commercial scenarios, an industrial mortgage (hipoteca industrial) may be used, which can secure both movable and immovable property as part of a unified, or blanket, lien.
Another widely used and highly flexible instrument is the security trust (fideicomiso de garantía), regulated under the LGTOC, which allows the transfer of title to movable and / or immovable assets to a trustee for the benefit of creditors, facilitating the structuring of complex, multi-asset collateral packages.
