Intermediaries known as Afore coyotes charge up to 11,000 pesos for the unemployment withdrawal, a procedure the administrators offer free of charge, and they operate even in stations of the Mexico City Metro, Expansión documented on November 13, 2026.
The president of the National Commission of the Retirement Savings System (Consar), Julio César Cervantes Parra, said in an interview with that outlet that the agency will pursue these managers regardless of pending legislation. Consar has acknowledged that coyotaje accounts for 70% of the high withdrawal figures. From January to September 2026, one million 664 thousand people withdrew funds due to unemployment, 18% more than in the same prior period, for 36 thousand 222 million pesos, 23.5% more in real terms. This matters for Mexico because each withdrawal deducts contribution weeks from workers who later seek a pension. At the Encuentro Amafore 2026, the president of Condusef, Óscar Rosado, noted that people still pay managers for procedures the Afores offer free of charge, and warned about unauthorized transfers and digital fraud involving impersonation of the administrators themselves.
According to the report, the managers alter the salary registered with the IMSS to raise the withdrawal amount. Cervantes Parra explained: "What we are doing, together with the IMSS, is going after the coyotes who are modifying the worker's salary." He added that a working group with the IMSS and the SAT is combating practices without legal basis. The Chamber of Deputies approved a reform to article 191 of the Social Security Law that limits the withdrawal to the lesser of 30 days of the average salary of the last 150 weeks or 11.5% of the balance of the Retirement, Unemployment in Advanced Age and Old Age subaccount, prohibits intermediaries and requires mandatory validation. The initiative remains in the Labor and Social Welfare Committee of the Senate.
The next point of scrutiny is the Senate: the reform to article 191 awaits a ruling in the Labor and Social Welfare Committee, while the Consar, IMSS and SAT group continues verifying salaries. With one million 664 thousand withdrawals in nine months, the free procedure remains at the center of the legislative debate.
This article was written with the assistance of artificial intelligence based on verified sources and reviewed by a human editor before publication.