The Mexican Supreme Court, Suprema Corte de Justicia de la Nación (SCJN), ruled that judges must conduct a stronger review of potentially abusive interest rates in bank loans, including mortgage backed and commercial loans. The decision came after two cases in which a bank sought repayment of debts that included ordinary and default interest charges that borrowers argued were excessive. Rather than automatically accepting the agreed rates, courts must now analyze whether those charges could constitute usury and, if necessary, reduce them.
The ruling does not cancel debts, forgive mortgages, or automatically lower interest rates across Mexico. Instead, it establishes a constitutional standard requiring courts to examine whether interest charges are disproportionate, even in cases involving businesses and not only individual consumers. The affected cases will return to lower courts for a new review under these guidelines. The SCJN reaffirmed that bank rates initially carry a presumption of legality, but judges have a duty to intervene when there are indications of usury.
SOURCE: https://www.elimparcial.com/mexico/2026/06/29/la-scjn-fallo-en-contra-de-los-bancos-y-sus-intereses-desproporcionados-en-creditos-hipotecarios/ #SCJN #CréditosHipotecarios #Bancos #Finanzas #México