Now CAME, AUXI and Cubo Financiero

And the same story returns? Sofipo CAME, Financiera AUXI, and the upcoming Cubo Financiero are facing capitalization and, consequently, financial solvency problems. This is already taking its toll on their users, but could cause even greater problems for savers.

Where is the CNBV? We'll return to the chaos of 10 years ago or more. I'm referring to the chaos experienced with Ficrea and Stanford, which devastated the economy of many Mexican families and the lack of trust in financial institutions, because CAME alone is much larger than Ficrea.

The question arises: Why hasn't the CNBV since then imposed more stringent regulations and oversight on these financial institutions, the Sofipos (Sofipos) and Sofomes (Sofomes)?

From the administration of Jaime González Aguadé until now under the tutelage of Jesús de la Fuente , attempts have been made, but nothing concrete has emerged.

Simple: greater oversight, a higher level of capitalization, and deposits not exceeding 25,000 UDIs, that is, capping deposits.

If the CNBV can't handle regulating this sector, there are several institutions that could take charge, of course, by giving them the authority and teeth.

Undoubtedly, these problems with the Sofipos will end up having to resort to the support fund for this sector, which isn't as rapid and won't be enough to cover many setbacks. Savers with more than 200,000 pesos could see their savings affected.

The economic slowdown and international volatility put this sector in a vulnerable position, lacking the strength of its capital.

Solution: Yes, we recognize the need to further tighten regulations and apply them rigorously, as is done with the banking sector.

And the Banking Sector? According to Víctor Manuel Herrera , who was director of Standard & Poor's for 20 years and is currently chairman of the IMEF Board, the banking sector's financial system is very well capitalized, with good liquidity, and taking a more conservative stance in the face of the slowing economy's adjustments, which are very likely to lead to a recession this year.

Banks are well prepared to face a storm, although when it comes to complaints and protecting users from fraud, not everyone is doing well.

Although Condusef, headed by Oscar Rosado , will release official figures in a few days, we can give you a sneak peek: who has done their homework and who still needs to redouble their efforts.

Those still on the negative side in terms of complaints about possible fraud are: HSBC, led by Jorge Arce , whose complaint rate increased by 18%; Banorte, led by Marcos Ramírez Miguel, increased by 22%; Invex, led by Juan Bautista Guichard, increased by 228%; and Coppel, led by Agustín Coppel Luken, increased its complaints about possible fraud by 8%.

Those who, on the other hand, have done their homework and will come out on top are Banco Azteca, under the leadership of Tonatiuh Rodríguez Gómez ; BBVA, under the leadership of Eduardo Osuna ; and Banamex, headed by Manuel Romo Villafuerte . However, the latter two could still see their complaint levels decrease considerably. I know they are the largest in terms of users, but they are also supposed to be prepared for that.