RFC fiscal API for pulling constancia de situación fiscal data programmatically?
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We use an RFC fiscal API provider from apipull.com that returns structured JSON with all constancia fields. The tax regime and economic activities are particularly useful for our credit scoring model — helps us segment borrowers by industry risk profile.
To answer your questions: economic activity codes are present for about 95% of RFCs in our experience. The remaining 5% are usually very old registrations from before SAT standardized on SCIAN codes. For regime history, our provider returns the current regime plus a "previous_regimes" array with dates — super useful for detecting recent regime changes which can signal income volatility.
One heads up: the fiscal address field sometimes returns only state and municipio, not full street address. SAT restricts granular address data for privacy. But state-level is usually enough for geographic risk factors in a credit model.
We're building an alternative credit scoring model for SME lending in Mexico and need access to taxpayer fiscal data programmatically. The constancia de situación fiscal contains incredibly valuable signals for creditworthiness — things like how long someone has been registered (business longevity), what economic activities they declared (industry risk), and their tax regime (income level proxy).
Currently our loan officers manually request the constancia PDF from applicants, then someone on our team extracts the relevant data points by hand. This takes 10-15 minutes per application and is error-prone. We need an RFC fiscal API that returns this data in structured JSON so we can feed it directly into our scoring algorithms.
What we want from an RFC fiscal API:
The credit scoring use case: if someone registered their RFC 8 years ago, operates in professional services (SCIAN 541), and files under régimen general — that's a very different risk profile than someone who registered last month under RESICO with a retail activity code. Our model weights these factors alongside traditional bureau data.
We process about 150 loan applications daily and need the RFC fiscal API to respond within our 30-second application timeout. Batch processing isn't an option here since we need to make real-time credit decisions. Ideally the API response includes all fields in a single call rather than requiring multiple requests per RFC.
Has anyone integrated an RFC fiscal API for credit scoring purposes? I'd particularly like to know: how complete is the data (do all RFCs return economic activity codes, or is that field sometimes empty)? And how do you handle the distinction between historical regimes (someone might have been under one regime, then changed) — does the API show the full history or just current status?