The UAE's New Banking Law | UAE Banking Lawyers

The UAE’s New Banking Law

The UAE’s New Banking Law, introduced through Federal Decree-Law No. (6) of 2025, establishes an updated legal and regulatory framework for the Central Bank, licensed financial institutions and financial activities in the UAE. The law came into force on 16 September 2025 and forms part of the UAE’s efforts to strengthen financial stability, regulatory oversight, consumer protection, and innovation across the financial sector.

Our banking law team provides legal guidance to banks, financial institutions, businesses, and individuals in understanding and complying with the requirements of the new regulatory framework. We assist clients with regulatory matters, financial agreements, banking disputes, compliance requirements, and other legal issues arising under the UAE’s New Banking Law.

Our Banking Law Legal Services

Banking Regulatory Advice

We advise banks, financial institutions, and businesses on the regulatory requirements applicable under the UAE’s New Banking Law, including licensing, regulatory obligations, governance, and compliance matters.

Financial Agreements and Banking Transactions

Our lawyers assist with drafting, reviewing, and negotiating loan agreements, credit facilities, guarantees, securities, and other banking and financing documents to help clients manage their legal and commercial interests.

Banking Disputes and Financial Claims

We provide legal representation in disputes involving banking transactions, loan defaults, guarantees, securities, financial obligations, and other banking-related claims.

Regulatory Compliance and Risk Management

We help financial institutions and businesses assess regulatory risks and develop appropriate compliance procedures in line with applicable UAE financial laws and Central Bank requirements.

Consumer Protection and Banking Complaints

We advise individuals and businesses on banking complaints, financial disputes, and consumer protection matters, including available mechanisms for resolving disputes with licensed financial institutions.

Why Legal Guidance on the New Banking Law Matters

The UAE’s New Banking Law introduces a broader and more integrated regulatory framework covering licensed financial institutions and activities. It also strengthens the Central Bank’s supervisory and resolution powers while enhancing consumer protection and financial dispute resolution mechanisms.

Understanding the new requirements can help financial institutions and businesses identify their regulatory obligations, manage legal risks, and respond appropriately to banking or financial disputes.

Our legal team provides practical, UAE-focused advice tailored to the nature of each client’s banking, financing, regulatory, or dispute-related requirements.

How We Can Help

Legal Support Across Every Employment Matter

Banking Regulatory Advice

Legal advice on banking regulations, licensing requirements, governance, and Central Bank obligations under the UAE’s New Banking Law.

Banking & Financial Agreements

Drafting, reviewing, and negotiating loan agreements, credit facilities, guarantees, securities, and other financial agreements.

Banking Disputes & Financial Claims

Representation in disputes involving loans, guarantees, securities, banking transactions, and financial obligations.

Banking Regulatory Compliance

Supporting banks and financial institutions in understanding regulatory obligations, managing compliance risks, and aligning their practices with UAE banking regulations.

Customer Protection & Banking Complaints

Legal assistance with banking complaints, customer protection matters, and disputes involving licensed financial institutions.

FAQs

Frequently Asked Questions

1. What is the UAE's New Banking Law?

The UAE's New Banking Law is Federal Decree-Law No. (6) of 2025 concerning the Central Bank, Regulation of Financial Institutions and Activities, and Insurance Business. It provides an updated regulatory framework for the UAE's financial sector.

2. When did the UAE's New Banking Law come into effect?

The law came into force on 16 September 2025, following its publication in the Official Gazette.

3. Who is affected by the UAE's New Banking Law?

The law applies to licensed financial institutions and regulated financial activities under the Central Bank's jurisdiction. Its scope includes banks and other licensed financial institutions, as well as insurance and reinsurance companies licensed by the Central Bank.

4. What are the main objectives of the UAE's New Banking Law?

The law aims to strengthen financial and monetary stability, enhance Central Bank supervision, improve consumer protection, support financial innovation, and establish a more integrated regulatory framework for financial institutions and activities.

5. Do businesses and financial institutions need to update their compliance procedures?

Entities subject to the law are required to reconcile their positions with its provisions. The Central Bank states that the reconciliation period is one year from the law's effective date, subject to possible extension by the Board of Directors.

Need Expert Banking Law Support in the UAE?

Understanding and complying with The UAE’s New Banking Law requires experienced legal guidance. Our banking lawyers provide tailored legal support to banks, financial institutions, businesses, and individuals on regulatory compliance, banking transactions, financial agreements, and banking disputes across the UAE. Speak with our banking law team today and get reliable legal guidance tailored to your banking and financial needs.

THE UAE’S New Banking Law