Amendments and Additions to the Regulation on Minimum Requirements for Commercial Banks' Activities in Relations with Bank Service Consumers

Resolution of the Board of the Central Bank of the Republic of Uzbekistan, registered on 28.10.2025, registration number 3030-11

Date of Entry into Force

30.01.2026

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1.07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.19.00.00 Banking System / 07.19.02.00 Commercial Banks. Private Banks. Foreign Banks;

2.21.00.00.00 Comprehensive Documents on Amendments and Additions / 21.04.00.00 Departmental Normative Legal Documents]

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1. Finance / Banks and other credit institutions. Credits]

Resolution of the Board of the Central Bank of the Republic of Uzbekistan

On Amendments and Additions to the Regulation on Minimum Requirements for Commercial Banks' Activities in Relations with Bank Service Consumers

[Registered by the Ministry of Justice of the Republic of Uzbekistan on October 28, 2025, registration number 3030-11]

In accordance with the Law of the Republic of Uzbekistan "On the Central Bank of the Republic of Uzbekistan", the Board of the Central Bank of the Republic of Uzbekistan resolves:

1. Amendments and additions shall be made to the Appendix to the [Regulation](/docs/3804290?ONDATE=04.10.2018 00#3804917) on Minimum Requirements for Commercial Banks' Activities in Relations with Bank Service Consumers, approved by the Resolution of the Board of the Central Bank of the Republic of Uzbekistan No. 16/18 dated April 28, 2018 (registration number 3030, July 2, 2018) (National Database of Legislative Acts, July 3, 2018, No. 10/18/3030/1440-1440).

2. This resolution shall enter into force three months after the date of its official publication.

Chairman T. ISHMETOV

Tashkent city,

October 9, 2025,

No. 25/1

Appendix

to the Resolution of the Board of the Central Bank of the Republic of Uzbekistan dated October 9, 2025, No. 25/1 Resolution

Amendments and Additions to the Regulation on Minimum Requirements for Commercial Banks' Activities in Relations with Bank Service Consumers

1. Paragraph 28 shall be supplemented with the following introductory paragraphs:

"After banks have made a positive decision on loan disbursement, but before the loan agreement is formalized (offer is accepted), they must provide individual consumer borrowers with a checklist in the form provided in Appendix 1a of this Regulation regarding potential risks associated with credit obligations.

This checklist:

is provided to the individual consumer borrower in paper or electronic form, depending on the method of loan formalization, when visiting the bank building. In this case, the individual consumer borrower marks each item in the checklist with a special mark after reading and familiarizing themselves with it, and confirms the checklist by signing it by hand;

when the loan is formalized through remote service systems, the individual consumer borrower marks each item in the checklist with a special electronic mark after reading and familiarizing themselves with it, and presses the button to confirm the checklist. In this case, the fact of placing all marks and pressing the confirmation button must be recorded in the bank's automated system with the date, time, IP address, and one of the identifiers of the individual consumer borrower indicated.

The checklist is stored at the bank together with the loan agreement documents or in the bank's information systems. Formalization of the loan agreement is not permitted until the individual consumer borrower has marked familiarity with all items in the checklist and confirmed the checklist."

2. Paragraph 281 shall be supplemented with the following content:

"281. Banks must have a procedure for considering applications from consumers who are experiencing difficulties in making timely loan payments due to financial difficulties, complex life situations, and force majeure events, regarding amendments and additions to the terms of their existing loan agreements (restructuring), and must publish this procedure on the bank's official website.

This procedure must include at least the following:

types of amendments and additions to the terms of the loan agreement (restructuring) (for example, extending the loan repayment period, reviewing the loan interest rate, reducing the amount of fines and penalties for late loan payments, etc.);

a list of financial difficulties, complex life situations, and force majeure events that serve as grounds for amendments and additions to the terms of the loan agreement (restructuring);

the procedure for receiving and registering consumer applications, as well as a list of necessary documents attached to the application;

deadlines for considering consumer applications;

criteria for receiving and evaluating accepted applications;

the procedure and deadline for notifying the consumer about the decision made by the bank regarding the application;

the procedure for making amendments and additions to the loan agreement and its appendices if the application is approved;

the procedure for notifying the applicant with a reasoned decision in case of refusal to approve the application.

In this procedure, the rules for considering applications from women who have taken maternity and childbirth leave to extend the payment period for their existing loans by up to ten months must be reflected in a mandatory manner."

3. In [Paragraph 33](/docs/3804290?ONDATE=04.10.2018 00#3805031):

the fifth to seventh introductory paragraphs shall be supplemented with the following content:

"offering and urging consumers to take out a loan in an amount exceeding the amount specified in their application (request) for obtaining a loan;

collecting credit debts from funds allocated by the state to citizens as social pensions and assistance, including funds received to social card accounts;

demanding the collection of loan payments before the calendar date specified in the loan agreement or in the loan repayment schedule attached to it, except for cases where loan payments are deducted during the period the consumer uses the bank's auto-payment service and other cases stipulated by legislation;";

the fifth introductory paragraph shall be considered the eighth introductory paragraph accordingly.

4. Paragraphs 353 and 354 shall be supplemented with the following content:

"353. Banks are prohibited from implementing the following situations during the provision of financial services, as well as when services are provided through the bank's remote service systems:

pre-setting or pre-selecting any marks expressing the consumer's will (for example, checkboxes, toggle buttons, and the like);

pre-filling fields indicating loan parameters, including the loan amount, term, and information about the consumer's income indicated in the relevant application.

In this case, if the bank offers the consumer a relevant choice, it must provide the opportunity to independently place a mark, independently set loan parameters, and fill in other fields during the loan formalization process (for example, requesting a credit report from the credit bureau, sending advertising information, providing remote financial services, confirming familiarity with the general terms of bank services, accepting bank tariffs, and similar marks).

354. In cases where services are provided through the bank's remote service systems, if the consumer has not fully reviewed all pages (parts) of the offered contract (offer), the opportunity to press the button expressing consent to the service terms must not be provided."

355. Chapter 3 shall be supplemented with the following Paragraph 3:

"§ 3. Notification Regarding the Deposit Guarantee System

402. Banks must take necessary measures to distribute the following information to consumers:

information about the bank's participation in the deposit guarantee system;

information about guarantee objects, guaranteed deposits, and funds that are not considered guarantee objects;

information about the procedure for paying compensation, including the methods and deadlines for their payment;

403. The information provided for in Paragraph 402 of this Regulation must be distributed by the bank in the following forms:

by placing it on the bank's information stands and official website;

through administrators, including during the process of concluding a bank deposit (deposit) agreement and/or a bank account agreement, and upon the consumer's request;

through remote service systems.

404. On the page of the bank's official website where information about deposits is placed, a prominent relevant link (hyperlink) with the content "Your deposits are guaranteed" must be placed, and this relevant link (hyperlink) must direct to the relevant page on the official website of the Deposit Guarantee Agency.

405. During the process of concluding a bank deposit (deposit) agreement or a bank account agreement, administrators must familiarize the depositor with information about the deposit guarantee system in the form provided in Appendix 3b of this Regulation and have them sign it.

One copy of the information indicated in Appendix 3b of this Regulation is provided by the bank to the depositor, and the second copy is stored in the consolidated folder formed for each client as a document confirming the depositor's familiarity with this information.

If the depositor places a deposit (deposit) or opens a bank account through remote service systems, the bank must provide the information provided for in Appendix 3b of this Regulation to the depositor and create the opportunity to confirm their familiarity with this information before the contract is concluded.

406. Administrators must provide consumers with information about the deposit guarantee system in a simple and understandable form.

If an administrator has difficulty answering questions about the deposit guarantee system, in such cases, they must recommend that the consumer contact the Deposit Guarantee Agency directly to obtain more detailed information."

6. The [fourth introductory paragraph](/docs/3804290?ONDATE=15.10.2025 00#7643567) of Paragraph 2 of Appendix 1 shall be stated in the following edition:

"payments made for the benefit of third parties, if such payments are part of the consumer's obligations in accordance with the terms of the loan agreement, as well as the following payments:".

7. Appendices 1a and 3b in the edited form according to Appendices 1 and 2 of these amendments and additions shall be supplemented.

Amendments and additions to the Regulation on Minimum Requirements for Commercial Banks' Activities in Relations with Bank Service Consumers

APPENDIX 1

"Amendments and additions to the Regulation on Minimum Requirements for Commercial Banks' Activities in Relations with Bank Service Consumers

APPENDIX 1a

CHECKLIST

TO BE FILLED OUT BEFORE LOAN FORMALIZATION

Before formalizing the loan agreement (accepting the offer), read this list carefully and confirm that you understand each item. This may help you avoid unexpected financial difficulties in the future.

1.	A loan is an expense. A loan is a financial obligation that I must repay. In addition to the principal amount of the loan, I will have to pay interest calculated on the loan, as well as possibly other expenses associated with the loan (insurance, costs of making loan payments, etc.).	☑
2.	I have carefully studied the loan repayment schedule. I am familiar with all dates and payment amounts in the loan repayment schedule, as well as the methods for making these payments. I understand when and how much I need to pay each month according to this schedule, and I can make them on time.	☑
3.	My income allows me to make loan payments. When taking out this loan, I took into account my monthly income and permanent expenses (other loans, rent, utility services, transportation, and other expenses), as well as the possibility of force majeure situations (loss of job, delay in salary and other incomes, deterioration of health) that could prevent me from fulfilling my obligations on the loan.	☑
4.	I am aware of the consequences of delaying loan payments. I understand that if I do not make loan payments on time, the bank will impose relevant fines and penalties on this debt, and if the loan debt is collected through the court, I may have to pay these court costs. In addition, I know that information about unfulfilled obligations will be reflected in my credit history, which may reduce my ability to obtain loans from financial organizations in the future and/or lead to obtaining loans on unfavorable terms.	☑
Signature (in paper form): I confirm ____________________.
_______________________________________ (signature)
In electronic form (online): The "Confirm" button is pressed.
Date: ___ ____ ______.
________ (day / month / year)
».

Amendments and additions to the Regulation on Minimum Requirements for Commercial Banks' Activities in Relations with Bank Service Consumers

APPENDIX 2

"Amendments and additions to the Regulation on Minimum Requirements for Commercial Banks' Activities in Relations with Bank Service Consumers

APPENDIX 3b

INFORMATION

On the Deposit Guarantee System in the Republic of Uzbekistan

1.	________________ ____ (bank name) deposits are guaranteed	Deposits in the bank are guaranteed by the Deposit Guarantee Agency
2.	Basis for Deposit Guarantee	Law of the Republic of Uzbekistan "On Protection of Deposits in Banks"
3.	Event of Guarantee	Termination (closure) of the bank
4.	Type of Guaranteed Deposits	Demand deposits, including funds in bank cards, term and savings deposits, as well as interest calculated on these deposits
5.	Compensation Amount	In the event of bank termination, the total compensation amount payable to each depositor, taking into account interest calculated on the deposit, does not exceed 200,000,000 UZS
6.	Compensation Amount Payable in Case of Multiple Deposits by a Depositor in One Bank	Regardless of the amount and currency of the deposit, all deposits of the depositor in this bank and its branches, including interest, are summed up, and the total compensation amount payable for them does not exceed 200,000,000 UZS
7.	Compensation Amount in Case of Termination of Multiple Banks	In the event of termination of multiple banks, a depositor who has deposits in these banks has the right to receive compensation in the amount not exceeding 200,000,000 UZS for each bank separately
8.	Deadline for Compensation Payment	Within 20 working days from the date of the decision to terminate (close) the bank: from January 1, 2026 — 15 working days; from January 1, 2027 — 7 working days.
9.	Currency of Compensation Payment	Compensation for deposits placed in foreign currency is paid in national currency (UZS) at the exchange rate of the Central Bank of the Republic of Uzbekistan on the date of bank termination (closure)
10.	Contact Information	Address, phone numbers, email address, website address of the Deposit Guarantee Agency
Depositor notified:
Date and Signature
		».

(, October 29, 2025, No. 10/25/3030-11/0994-11)