{
  "updated_at": "2026-10-21T17:08:19.596846+00:00",
  "udi": {
    "value": 8.812711,
    "unit": "MXN",
    "date": "2026-09-04",
    "effective_date": "2026-09-04",
    "source": {
      "institution": "Banco de México",
      "url": "https://www.banxico.org.mx/SieInternet/consultarDirectorioInternetAction.do?sector=8&accion=consultarCuadro&idCuadro=CF104"
    },
    "retrieved_at": "2026-09-04T10:50:00Z",
    "status": "MANUAL_VERIFIED"
  },
  "uma": {
    "year": 2026,
    "daily": 117.31,
    "monthly": 3566.22,
    "annual": 42794.64,
    "five_annual": 213973.2,
    "unit": "MXN",
    "source": "INEGI",
    "source_url": "https://www.inegi.org.mx/temas/uma/",
    "reference": "UMA 2026",
    "effective_from": "2026-02-01",
    "retrieved_at": "2026-09-04T10:50:00Z",
    "status": "MANUAL_VERIFIED"
  },
  "inflation": {
    "observed_yoy": {
      "value": 0.0345,
      "source": "INEGI",
      "reference_period": "Septiembre de 2026",
      "published_at": "2026-10-08T06:00:00-06:00",
      "retrieved_at": "2026-10-21T17:08:06.361489+00:00",
      "verification_status": "AUTO_VERIFIED",
      "freshness_status": "FRESH"
    },
    "expected_12m": {
      "value": 0.0422,
      "metric": "MEDIAN",
      "reference_period": "2026-08",
      "source": "BANXICO",
      "series": "EXPECTATIONS_12M",
      "source_url": "https://www.banxico.org.mx/publicaciones-y-prensa/encuestas-sobre-las-expectativas-de-los-especialis/encuestas-expectativas-del-se.html",
      "published_at": "2026-09-01T09:00:00-06:00",
      "retrieved_at": "2026-09-04T10:50:00Z",
      "verification_status": "MANUAL_VERIFIED",
      "freshness_status": "STALE",
      "content_hash": "c0bbd7c3ace266a600c64fe0671300f4a5c928d89a66cb039b8dd3b6391f19be"
    }
  },
  "insurance_limits": {
    "IPAB": {
      "udis": 400000,
      "fund_name": "Instituto para la Protección al Ahorro Bancario (IPAB)",
      "legal_basis": "Ley de Protección al Ahorro Bancario, Art. 11"
    },
    "PROSOFIPO": {
      "udis": 25000,
      "fund_name": "Fondo de Protección de SOFIPOs",
      "legal_basis": "Ley de Ahorro y Crédito Popular, Art. 105"
    },
    "FOCOOP": {
      "udis": 25000,
      "fund_name": "Fondo de Protección de SOCAPs (FOCOOP)",
      "legal_basis": "Ley para Regular las Actividades de las SOCAP (LRASCAP)"
    }
  },
  "tax_rules": {
    "sofipo_exemption_uma_multiplier": 5,
    "legal_basis": "LISR Art. 93 fr. XX inc. b)"
  },
  "prosofipo_limit_mxn": 220318,
  "ipab_limit_mxn": 3525084
}