The non-performing loan portfolio of direct financing granted by commercial banks to the private sector reached 194,565 million pesos (mdp) in July 2026, its highest level since comparable records began, according to the Bank of Mexico (Banxico). ^[1] The National Banking and Securities Commission (CNBV) and the Bank of Mexico published a revised draft of general provisions applicable to payment networks on an unspecified date in 2026. ^[2] The revised draft increases the credit card interchange fee cap to 1.30% per transaction, up from the previous proposal of 0.60%. ^[3] During the same period, the total credit portfolio increased 3.6% real annually, meaning the non-performing portfolio grew approximately 3.6 times faster than total financing. ^[4] The amount represented a 12.84% real annual increase compared to the 167,206 mdp recorded in July 2025, showing growth considerably higher than the rest of the banking credit. ^[5] The non-performing portfolio equals 2.49% of the total portfolio, which amounts to around 7.8 trillion pesos, a ratio that experts consider does not yet represent a crisis signal for the banking system. ^[6] The new draft maintains an aggregate cap of 1.00% on the amount operated over twelve months. ^[7] Álvaro Vertiz, a partner at DGA Group, stated that the draft still requires greater precision regarding calculation formulas, definitions of payment instruments, and institutional coordination. ^[8]