finally once users have decided to do the transaction and they have the proper information to do so the bank has to attend the procedure to transfer rights in its three modalities from start to finish these are the two regions with the most significant problems related to the availability of water degree of water stress and over drafted aquifers at the end of a total of water banks had been established in mexico one for every river basin council in many cases as opposed to what would be expected transactions decrease this might indicate that before the establishment of water banks many transaction where accepted under irregular circumstances and that the new process has lowered this possibility