Consumer Protection Regulations in the GCC

Consumer Protection Regulation

The Consumer Protection Regulation issued by the CBUAE aims to protect the interests of consumers using financial products, services, or engaging in relationships with licensed financial institutions in the UAE. It establishes standards of conduct expected from these institutions and defines regulatory requirements to ensure consistent interpretation and implementation.

Consumer Protection Standards

The Consumer Protection Standards, issued by the CBUAE, outline mandatory requirements for Licensed Financial Institutions in the UAE. These standards aim to ensure transparency, fair market conduct, and protection of consumer data and assets. The document supplements Circular No. 8 – 2020 and is enforceable in the same manner as the regulation.

Guidance on Responsible Use of Artificial Intelligence in Financial Services

The CBUAE issued guidance on the responsible adoption and use of AI and machine learning by licensed financial institutions in the UAE. It establishes a framework to safeguard consumer rights, strengthen governance and transparency, and promote fair practices. The guidance aligns with the UAE’s national AI strategy.

Implementing Regulation of Law of Payments and Payment Services

This document is the Implementing Regulation of the Law of Payments and Payment Services issued by the Saudi Central Bank (SAMA). It outlines the rules and guidelines for payment services within Saudi Arabia, covering licensing, agent obligations, consumer protection, payment systems, and dispute resolution. The regulation aims to ensure the stability and security of payment services while promoting financial inclusion.

FINAL Digital Inclusion Policy Executive Summary EN

Qatar's National Digital Inclusion Policy aims to ensure equitable participation in digital transformation, aligning with Qatar National Vision 2030. It addresses digital divides by focusing on access, skills, trust, and co-creation, empowering vulnerable groups to participate in the digital economy. The policy is led by MCIT with multi-sector oversight.

FINAL Lifelong Learning for Digital Skills Policy Executive Summary EN

Qatar's Lifelong Learning for Digital Skills Policy establishes a national framework for integrating digital skills across all life stages. It aims to cultivate a digitally competent society ready for technological change by mainstreaming digital upskilling across sectors. The policy supports inclusive growth, innovation, and workforce transformation through digital competency development.

MCIT Qatar DII Report Executive English

The MCIT Qatar Digital Inclusion Index (Qatar DII) 2024 report evaluates Qatar's progress in creating an inclusive digital ecosystem, aligned with Qatar National Vision 2030 and Digital Agenda 2030. It measures digital accessibility, affordability, ability, and content availability to ensure all residents can participate in the digital world, identifying areas for improvement and promoting global collaboration.

MCIT Qatar DII Report VF EN 1

The MCIT Qatar Digital Inclusion Index (Qatar DII) 2024 report evaluates Qatar's progress in creating an inclusive digital ecosystem, aligned with Qatar National Vision 2030 and Digital Agenda 2030. It measures digital accessibility, affordability, ability, and content availability across all segments of society to promote societal well-being, economic growth, and educational opportunities.

Studio 5 Empowering Digital Futures V5

The "Studio 5 Empowering Digital Futures V5" document, issued by MCIT Qatar, assesses the achievements and impact of the Studio 5 initiative in fostering digital literacy and innovation among Qatari youth. It provides insights and recommendations to enhance the initiative's future direction, aligning it with Qatar’s Digital Agenda 2030 and National Vision 2030.

QDA Annual Report 2024 EN V12

The Qatar Digital Academy (QDA) Annual Report 2024 by MCIT Qatar highlights the academy's achievements in enhancing digital competencies within Qatar's government sector. It details training programs, strategic partnerships, and initiatives aligned with Qatar National Vision 2030 and Digital Agenda 2030. The report serves to showcase the progress in developing a skilled digital workforce.

e commerce law en 1

Decree Law No. 16 of 2010, also known as the Electronic Transactions and Commerce Law, governs electronic transactions and commerce in Qatar. It establishes the legal framework for electronic signatures, certification services, consumer protection in the electronic environment, and defines offenses and penalties related to electronic transactions. The law aims to facilitate and regulate the growing digital economy in Qatar.

CBK E-Payment Services Chapter 2 — Circulars for Electronic Payment

This CBK regulation compiles circulars related to electronic payment services in Kuwait. It addresses various aspects of electronic payments, including fraud reporting, fee structures, payment links, BNPL services, cybersecurity, AML/CFT, and the use of POS devices. The regulation aims to provide guidance and controls for electronic payment service providers and related entities.