🇦🇪UAE

مشاكل التوافق مع الانتقال التنظيمي - Regulatory Transition & Implementation Costs (CB Law 2025)

2 verified sources

Definition

Federal Decree-Law No. (6) of 2025 (CB Law 2025) was issued on 8 September 2025, published in the Official Gazette on 15 September 2025, and became legally effective on 16 September 2025. It repeals the 2018 Central Bank Law and 2023 Insurance Decree-Law, consolidating the UAE's entire financial regulatory framework under the UAECB. Affected entities have been granted a one-year transitional period (until 16 September 2026) to ensure compliance. The UAECB retains discretion to extend this period if appropriate. The law focuses on modernizing financial regulation, expanding scope to emerging technologies/fintech, and strengthening supervisory/enforcement powers. Compliance requires updating governance frameworks, internal controls, risk management practices, compliance infrastructure, reporting systems, and staff training.

Key Findings

  • Financial Impact: Estimated one-time compliance transformation cost: AED 1 million–AED 5 million per entity (system upgrades, policy rewrite, legal review, third-party audits, staff training). Ongoing operational disruption: estimated 2–5% revenue loss during transition period (12 months). Failure to comply by 16 Sept 2026: license revocation, 100% operational loss.
  • Frequency: One-time regulatory overhaul with one-year deadline; extension possible at UAECB discretion.
  • Root Cause: Comprehensive modernization of UAE financial regulatory framework; consolidation of fragmented prior laws; UAECB emphasis on fintech, emerging technologies, and supervisory rigor.

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting International Trade and Development.

Affected Stakeholders

Chief Compliance Officers, Finance Directors, Operations Heads, Legal/Regulatory Teams, IT/Systems Directors, Board Members

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Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

غرامات الأنشطة المالية غير المرخصة - Unlicensed Financial Activity Penalties

AED 50,000 to AED 500 million per violation (criminal fine); imprisonment possible. Estimated enforcement cost: AED 100,000–AED 5 million for legal remediation per incident.

فجوات تسعير صرف العملات و فرص الربح المفقودة - FX Pricing Leakage & Lost Margin Opportunities

Estimated revenue leakage: 0.5–2% of total FX transaction volume. Example: AED 100 million annual FX volume → AED 500,000–AED 2 million annual leakage. Manual FX pricing: 10–20 hours/month per trade finance team member at AED 200–500/hour = AED 24,000–AED 120,000 annually.

فقدان القدرة بسبب الازدحام الجمركي

5-15% monthly throughput loss; AED 50,000+ in idle warehouse costs

غرامات مخاطر السيادة

AED 40,000+ per delayed project from higher risk premiums; 1-2% increased borrowing costs on AED 50M facilities

تجاوز تكاليف التقييم السيادي

AED 50-100/barrel oil volatility hedge premiums; 0.5-1% cost overrun on AED 20M+ trade contracts

أخطاء قرارات المخاطر السيادية

2-5% opportunity cost on AED 10M deals; AED 150bn-200bn national infra spend misallocation risks

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