Originators, including banks and fintechs, can securitize assets with predictable cash flows. Public offerings typically allow broad investor participation, while private offerings are limited to sophisticated investors. Public-sector receivables require careful risk analysis.

Javier Garbay talks with Reorg's Maria Abreu about the challenges of restructuring Mexican companies with bonds under U.S. law and commercial bankruptcy in Mexico.

In Mexico, securitizations are done via trusts to protect against bankruptcy. Financial institutions manage them. They must comply with data protection laws and notify debtors. Credit ratings are vital to evaluate assets.

This article analyzes the process of separating assets in a guarantee trust when the settlor faces insolvency, focusing on a judicial decision in the Amparo Directo 188/2021 case. The author argues the ruling contradicts legal principles and undermines asset separation validity.

This article reviews proposed reforms to the Mexican Insolvency Law, introducing a three-stage bankruptcy process to improve efficiency for MSMEs. It highlights benefits for economic stability while addressing shortcomings, urging ongoing dialogue for refinement.