In Mexico, financial institutions may not condition a sale, transaction or financial service on the procurement of another service. Such tying is generally referred to as “tied sales.” These schemes are frequently used in the sale of light vehicles. The National Commission for the Protection of Users of Financial Services (CONDUSEF, for its acronym in Spanish), has issued regulations to prevent practices such as requiring purchasers sign up for advanced Internet banking services or open a new deposit account In the automotive market, it is prohibited for a financial institution to obligate its customers to take out a permanent disability insurance policy or insure the vehicle with the same financial group that providing financing on the car.. Under Mexican law, a consumer who purchases an automobile has the right to contract insurance with any company. The law that establishes these regulations is the Law of Transparency and Management of the Financial Services.