AML/CFT COMPLIANCE

Overview

The United Arab Emirates (UAE) contributes to global anti money laundering efforts and combating financing of terrorism (AML/CFT) and strives to fully implement the standards set by the International Financial Action Task Force (FATF). Money laundering is defined as any financial or banking transaction aimed at concealing or changing the identity of illegally obtained funds by passing them through the financial and banking system in order to make them appear as originating from legitimate sources, and then re-pumping and investing them in a legal manner contrary to their real nature.

Legislation, Rules and Regulations

  • Federal Decree by Law No. (10) of 2025 Regarding Anti-Money Laundering, and Combating the Financing of Terrorism and Proliferation Financing. Read More
  • Cabinet Resolution No. (134) of 2025 Regarding the Executive Regulations of Federal Decree by Law No. (10) of 2025 Regarding Anti-Money Laundering and Combating the Financing of Terrorism and Proliferation Financing. Read More
  • Cabinet Resolution No. (71) of 2024 Regulating Violations, Administrative Penalties Imposed on Violators of Measures for Confronting Money Laundering and Combating Financing of Terrorism Subject to the Control of Ministry of Justice and Ministry of Economy & Tourism. Read More
  • Cabinet Resolution No (74) of 2020 regarding the Terrorism Lists Regulation and Implementation of UN Security Council Resolutions on the Suppression and Combatting of Terrorism, Terrorist Financing, Countering the Proliferation of Weapons of Mass Destruction and its Financing, and Relevant Resolutions. Read More
  • Cabinet Decision No (109) of 2023 regarding regulating the procedures of the beneficial owner. Read More
  • Cabinet Decision No (132) of 2023 regarding the administrative penalties imposed on violators of Cabinet Decision No. (109) of 2023. Read More
  • Ministerial Decree No. (68) of 2024 Regarding Gold Refineries’ adherence to the Policy of Due Diligence Regulations for Responsible Souring of Gold. Read More

DNFBPs Guidance

Guidance available for the Designated Non-Financial Businesses and Professions (Auditors, Dealers in Precious Metals and Stones, Real Estate, Trust and Company Service Providers) on Ministry of Economy & Tourism portal (Read More, Read More)

  • Guidelines for Designated Non-Financial Businesses and Professions. Read More
  • Supplemental Guidance for Auditors. Read More
  • Supplemental Guidance for the Real Estate Sector. Read More
  • Supplemental Guidance for Trust and Company Service Providers. Read More
  • Supplemental Guidance for Dealers in Precious Metals and Stones. Read More
  • Due Diligence Regulations for Responsible Sourcing of Gold. Read More

Useful links:

Contact us

Please send any questions you may have on the following email: r.compliance@hfza.ae