In November 2025, the Government of Jalisco introduced a new mandatory protocol aimed at combating the growing number of digital fraud cases affecting mobile banking users, WhatsApp scams, fake links, and unauthorized SPEI transfers. This update was implemented after a 42% increase in cyberfraud reports during 2025, especially in Guadalajara and Zapopan.
What changes under the 2025 protocol?
The regulation establishes mandatory procedures for banks to handle fraud complaints more quickly and transparently. Key provisions include:
- Initial response within 30 minutes.
- Preventive blocking of suspicious accounts linked to the transaction.
- Technical investigation with a written report delivered within 10 days.
- Full or partial reimbursement if the breach was not caused by the user.
- Mandatory coordination with the State Cyber Police.
Most common fraud schemes in Jalisco in 2025
The most frequent digital crimes include:
- WhatsApp impersonation requesting transfers.
- SIM card cloning to access banking apps.
- Fake links sent via SMS or email.
- Remote manipulation of the banking app via malware.
- Unauthorized SPEI transfers.
The protocol seeks to stop these tactics and force banks to adopt faster, clearer responses.
How to file a fraud report step by step
- Contact your bank immediately and request a case number.
- Gather screenshots, messages, phone numbers, and suspicious activity logs.
- Visit the Jalisco Cyber Police office to file a technical report.
- File a criminal complaint if money was stolen.
- If the bank denies reimbursement, file a complaint with CONDUSEF.
Can the bank return my stolen money?
Yes, if evidence shows that the fraud was not the user’s fault. The 2025 protocol requires banks to provide a written justification for any denial, which helps victims take legal action if the decision is unjustified.
Do I need to hire a lawyer?
It’s not mandatory, but highly recommended. Banking fraud cases involve technical and legal details, and a specialized lawyer can speed up the process and help recover higher amounts.