Accounting for 70% of the Mexican mortgage market, INFONAVIT has over time become one of the most important actors in housing development in Mexico: one in four Mexicans lives in a house financed by the institute. An additional 31.3 million workers have an account with INFONAVIT to which they are not actively contributing, likely because presently they are not formally employed. The Assembly, its highest governing body, which is comprised of representatives of the federal government trade unions and the private sector, appoints the Director General upon the recommendation of the Mexican President.