Law of the Republic of Uzbekistan On Bank Secrecy

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17.12.2025

25.09.2025

19.02.2025

22.12.2024

12.04.2022 01

29.06.2021

21.04.2021

16.01.2019

15.09.2017

26.04.2016

11.04.2012

23.09.2009

24.09.2005

23.09.2003

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[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.16.00 Bank Secrecy (also see 12.03.05.03);
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00)]
[
TSZ:
1.
Finance / Banks and other credit institutions. Credits]

Law of the Republic of Uzbekistan

ON BANK SECRECY

Article 1. Purpose of this Law
[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.16.00 Bank Secrecy (also see 12.03.05.03);
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00)]

The purpose of this Law is to regulate relations in the field of obtaining, storing, protecting, publishing, and providing information constituting bank secrecy. See previous edition.

Article 2. Legislation on Bank Secrecy
[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.16.00 Bank Secrecy (also see 12.03.05.03);
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00)]

Legislation on bank secrecy consists of this Law and other legislative acts.
See previous edition.

In the territory where a special legal regime is established by the Constitutional Law of the Republic of Uzbekistan, relations in the field of obtaining, storing, protecting, publishing, and providing information constituting bank secrecy are regulated by rules other than those established in this Law. (Article 2 was supplemented with a second part on the basis of Law No. URQ-1158 of the Republic of Uzbekistan dated July 13, 2026 — , July 14, 2026, No. 03/26/1158/0727. Entry into force date — July 25, 2026) [ OKOZ:
1.
19.00.00.00 International Relations. International Law / 19.06.00.00 Law of International Treaties / 19.06.01.00 General Issues]

If an international treaty of the Republic of Uzbekistan establishes rules other than those provided for in the legislation on bank secrecy of the Republic of Uzbekistan, the rules of the international treaty shall apply. (Article 2 in the edition of Law No. URQ-683 of the Republic of Uzbekistan dated April 21, 2021 — , April 21, 2021, No. 03/21/683/0375) [ SPiT:
1.
Secrecy / Bank Secrecy]

Article 3. Bank Secrecy
[
OKOZ:
1.
03.00.00.00 Civil Legislation / 03.11.00.00 Specific Types of Obligations / 03.11.15.00 Bank Deposit;
2.
03.00.00.00 Civil Legislation / 03.11.00.00 Specific Types of Obligations / 03.11.16.00 Bank Account;
3.
06.00.00.00 Legislation on Social Security and Social Insurance. Social Protection / 06.06.00.00 Pensions / 06.06.12.00 Accumulative Pension Provision (also see 06.03.05.00);
4.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.10.00 Interbank Operations and Operations between Legal and Physical Persons]

Bank secrecy consists of the following information protected by the bank:

information regarding the operations, accounts, and deposits of its clients (representatives);

information obtained by the bank about such client (representative) in connection with the provision of banking services to such client (representative);

information about the property stored by the client (representative) in bank safes and buildings, its characteristics, and value;

information about interbank operations and transactions carried out at the request of the client (representative) or for their benefit;

information about another bank's client (representative) that became known as a result of the circulation of information constituting bank secrecy between banks; See previous edition.

information about participants in the accumulative pension system, the amount and movement of pension contributions, and pension funds in citizens' personal accumulative pension accounts. (Article 3 was supplemented with a heading in accordance with Law No. 8 of the Republic of Uzbekistan dated September 23, 2005 — Collection of Legislation of the Republic of Uzbekistan, 2005, No. 37-38, Article 280)

Article 4. Third Parties
[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.19.00.00 Banking System / 07.19.01.00 Central Bank, its structural divisions and institutions;
2.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.01.00 General Issues]

All persons other than the bank, its client (representative), and the Central Bank of the Republic of Uzbekistan are considered third parties.

Article 5. Disclosure of Bank Secrecy
[
OKOZ:
1.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00);
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.05 Other Restricted Information;
3.
12.00.00.00 Information and Informatization / 12.08.00.00 Information Security, Protection of Rights of Subjects in the Field of Information and Information Processes and Informatization (also see 16.04.03.00))]

Publishing information constituting bank secrecy through mass media, distributing or disclosing it in oral or written form or by other means, bringing such information to the attention of third parties, obtaining such information by third parties directly or indirectly, including persons who were entrusted with or became aware of such information in connection with the performance of official duties, or creating opportunities for obtaining such information as a result of violating the storage rules for such information by persons to whom such information was entrusted or who became aware of it, or who were provided with such information in the manner established by this Law, is considered disclosure of bank secrecy. See previous edition.

[
OKOZ:
1.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00);
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.08 Provision of Information. Information Services;
3.
16.00.00.00 Security and Law Enforcement / 16.02.00.00 Forces Ensuring Security / 16.02.08.00 Other State Security Agencies;
4.
19.00.00.00 International Relations. International Law / 19.12.00.00 Legal Assistance in Civil and Economic Matters / 19.12.03.00 Exchange of Legal Information]

The following are not considered disclosure of bank secrecy:

the disclosure or provision by the bank to third parties of information constituting bank secrecy in cases provided for by this Law, as well as to persons providing legal, accounting, auditing, information, and advisory services to the bank, provided that this is necessary for providing such services and such persons are required to refrain from actions specified in Article 6 of this Law;

the exchange of information constituting bank secrecy between the prosecutor's office, preliminary investigation, inquiry bodies, and bodies carrying out operational-search activities, as well as between competent bodies of foreign states, in the manner provided for by the legislation of the Republic of Uzbekistan and international treaties; (Second part of Article 5 in the edition of Law No. URQ-697 of the Republic of Uzbekistan dated June 28, 2021 — , June 29, 2021, No. 03/21/697/0607)

See: Articles 8 — 13 of this Law.
See previous edition.

the disclosure or provision to third parties of information constituting bank secrecy in the process of carrying out bank sanation procedures.
(Fourth heading of the second part of Article 5 was supplemented on the basis of Law No. URQ-1070 of the Republic of Uzbekistan dated June 23, 2025 — , June 24, 2025, No. 03/25/1070/0536. Entry into force date — September 25, 2025)

Article 6. Prohibition of Disclosure of Bank Secrecy
[
OKOZ:
1.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00);
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.05 Other Restricted Information]

Disclosure of information constituting bank secrecy by persons to whom such information was entrusted or who became aware of it in connection with the performance of official duties, or who were provided with such information in the manner established by this Law, or the use of such information for personal purposes or for the benefit of third parties is prohibited. See previous edition.

[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.19.00.00 Banking System / 07.19.01.00 Central Bank, its structural divisions and institutions]

The Central Bank of the Republic of Uzbekistan, in connection with the performance of tasks assigned to it by law, is not entitled to disclose or provide information constituting bank secrecy that has become known to it, except in cases provided for by legislation. (Second part of Article 6 in the edition of Law No. URQ-683 of the Republic of Uzbekistan dated April 21, 2021 — , April 21, 2021, No. 03/21/683/0375)

Article 7. Protection of Bank Secrecy
[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.19.00.00 Banking System / 07.19.01.00 Central Bank, its structural divisions and institutions]

The protection of information constituting bank secrecy is guaranteed by the bank.
[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.16.00 Bank Secrecy (also see 12.03.05.03)]

Disclosure by the head or other employees of the bank of information constituting bank secrecy that has become known to them in connection with the performance of official duties, as well as the use of such information for personal purposes or for the benefit of third parties, or creating opportunities for such use by third parties directly or indirectly, including by violating the storage rules for such information, is prohibited. [ OKOZ:
1.
05.00.00.00 Legislation on Labor and Employment of the Population / 05.05.00.00 Labor Discipline / 05.05.01.00 General Rules. Obligations of Employees and Employers;
2.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.01.00 General Issues]

The head or other employee of the bank is not entitled to disclose information constituting bank secrecy that has become known to them during their employment at the bank after the employment contract with the bank is terminated. See previous edition.

The bank is required to take necessary organizational and technical measures, including measures to ensure information security and cybersecurity, to ensure the proper storage of information constituting bank secrecy. (Fourth part of Article 7 in the edition of Law No. URQ-964 of the Republic of Uzbekistan dated September 20, 2024 — , September 21, 2024, No. 03/24/964/0736 — enters into force from December 22, 2024)

If a dispute arises between the bank and the client (representative), the bank may disclose information constituting bank secrecy of the client (representative) to the court in necessary cases and scope to protect its rights and legitimate interests.

Article 8. Provision of Information Constituting Bank Secrecy
[
OKOZ:
1.
03.00.00.00 Civil Legislation / 03.06.00.00 Agency. Power of Attorney;
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00);
3.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.05 Other Restricted Information]

Information constituting bank secrecy is provided to the client (representative) themselves, to their authorized representatives, as well as to other persons in the manner established by this Law. See previous edition.

[
OKOZ:
1.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00);
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.05 Other Restricted Information]

Information related to the fight against the legalization of income obtained from criminal activity, financing of terrorism, and financing of the proliferation of weapons of mass destruction, concerning operations with funds or other property constituting bank secrecy, is provided to the specially authorized state body in cases and in the manner provided for by legislation. (Second part of Article 8 in the edition of Law No. URQ-683 of the Republic of Uzbekistan dated April 21, 2021 — , April 21, 2021, No. 03/21/683/0375) See previous edition.

The Chamber of Accounts of the Republic of Uzbekistan is entitled to obtain information constituting bank secrecy if such information is necessary for the performance of tasks assigned to it. (Third part of Article 8 in the edition of Law No. URQ-697 of the Republic of Uzbekistan dated June 28, 2021 — , June 29, 2021, No. 03/21/697/0607) See previous edition.

[
OKOZ:
1.
18.00.00.00 Prosecutor's Office. Bar. Notariat. Legal Services. Justice Agencies. FHDY Agencies / 18.05.00.00 Justice Agencies / 18.05.03.00 Other Issues Related to the Activities of Justice Agencies]

The Ministry of Justice of the Republic of Uzbekistan is entitled to obtain information constituting bank secrecy regarding non-profit organizations if such information is necessary for the performance of tasks assigned to it in the field of monitoring compliance with legislation in the activities of such organizations. (Fourth part of Article 8 in the edition of Law No. URQ-683 of the Republic of Uzbekistan dated April 21, 2021 — , April 21, 2021, No. 03/21/683/0375) See previous edition.

The National Agency for Social Protection under the President of the Republic of Uzbekistan and the "Inson" Social Services Centers are entitled to obtain and process information constituting bank secrecy regarding the applicant and family members living with them (parents if they do not have their own family, and in case they have their own family, their husband, wife, and children aged 18 and over if they have their own family, or children aged 18 and over if they do not have their own family) on the basis of an application for social services and assistance, if such information is necessary for the performance of tasks assigned to them. (Fifth part of Article 8 was supplemented on the basis of Law No. URQ-1102 of the Republic of Uzbekistan dated December 17, 2025 — , December 17, 2025, No. 03/25/1102/1173) [ OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.19.00.00 Banking System / 07.19.01.00 Central Bank, its structural divisions and institutions]

The Central Bank of the Republic of Uzbekistan provides information constituting bank secrecy about its clients in the manner established by this Law.
See previous edition.

[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.06.00 Credit Operations (also see 07.22.00.00);
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.05 Other Restricted Information]

Providing credit information to credit bureaus in the established manner is not considered a violation of bank secrecy; (Fifth part of Article 8 was supplemented on the basis of Law No. URQ-321 of the Republic of Uzbekistan dated April 10, 2012 — UR Collection of Legislation, 2012, No. 15, Article 163) See previous edition.

Article 9. Provision of Information Constituting Bank Secrecy to the Prosecutor's Office, Preliminary Investigation, Inquiry Bodies, and Bodies Carrying Out Operational-Search Activities
[
OKOZ:
1.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00);
2.
16.00.00.00 Security and Law Enforcement / 16.02.00.00 Forces Ensuring Security / 16.02.08.00 Other State Security Agencies;
3.
18.00.00.00 Prosecutor's Office. Bar. Notariat. Legal Services. Justice Agencies. FHDY Agencies / 18.01.00.00 Prosecutor's Office / 18.01.01.00 General Rules]

Information constituting bank secrecy is provided to the following with the sanction of the prosecutor:

to the prosecutor's office, preliminary investigation, and inquiry bodies for the purpose of clarifying circumstances in criminal cases in their proceedings, as well as for the purpose of recovering damages or seizing property — on the basis of a reasoned decision of the investigator or inquiry officer;

bodies carrying out operational-search activities for the purpose of performing tasks assigned to them in operational-search cases in their proceedings — on the basis of a reasoned decision approved by the head of the body carrying out operational-search activities. [ OKOZ:
1.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00);
2.
16.00.00.00 Security and Law Enforcement / 16.03.00.00 State Security / 16.03.05.00 Security of Objects Guarded by the State]

The prosecutor's office, preliminary investigation, inquiry bodies, and bodies carrying out operational-search activities may obtain information about the existence of accounts in banks in an automated mode from the database of the Central Bank of the Republic of Uzbekistan regarding criminal cases and operational-search cases in their proceedings. (Article 9 in the edition of Law No. URQ-697 of the Republic of Uzbekistan dated June 28, 2021 — , June 29, 2021, No. 03/21/697/0607)

See previous edition.

Article 10. Provision of Information Constituting Bank Secrecy to the Court and State Execution
(The title of Article 10 in the edition of Law No. URQ-446 of the Republic of Uzbekistan dated September 14, 2017 — UR Collection of Legislation, 2017, No. 37, Article 978) [ OKOZ:
1.
17.00.00.00 Fair Justice / 17.01.00.00 General Issues Related to the Judiciary and Court Structure. Judicial Reform]

Information constituting bank secrecy is provided to the court on the basis of its written request, regarding cases in the court's proceedings against such bank client (representative). See previous edition.

[
OKOZ:
1.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00);
2.
17.00.00.00 Fair Justice / 17.05.00.00 Civil Procedural Legislation / 17.05.07.00 Enforcement of Decisions of Courts and Other Bodies]

Information constituting bank secrecy is provided to the state executor on the basis of his written request, including a request in the form of an electronic document, regarding enforcement cases in the state executor's proceedings against such bank client (representative). (Second part of Article 10 in the edition of Law No. URQ-762 of the Republic of Uzbekistan dated April 11, 2022 — , April 12, 2022, No. 03/22/762/0290)

Article 11. Provision of Information Constituting Bank Secrecy to State Tax Service Bodies
See previous edition.

[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.09.00.00 Tax Legislation / 07.09.02.00 Management in the Tax Field;
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00)]

Information constituting bank secrecy is provided to state tax service bodies in accordance with legislation in cases related to tax matters concerning the bank client (representative). (Text of Article 11 in the edition of Law No. URQ-683 of the Republic of Uzbekistan dated April 21, 2021 — , April 21, 2021, No. 03/21/683/0375)

Branches of authorized banks, in accordance with the "Regulation on the Procedure for Monitoring the Justification of Currency Operations Carried Out by Legal and Physical Persons" (registration number 2467, June 12, 2013), provide information about currency operations carried out by clients to the state tax service body at the place of registration of the economic entity, as well as to the main authorized bank.

Article 12. Procedure for Providing Information Constituting Bank Secrecy
See previous edition.

[
OKOZ:
1.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.03 Bank Secrecy (also see 07.21.16.00);
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.08 Provision of Information. Information Services;
3.
16.00.00.00 Security and Law Enforcement / 16.02.00.00 Forces Ensuring Security / 16.02.08.00 Other State Security Agencies;
4.
18.00.00.00 Prosecutor's Office. Bar. Notariat. Legal Services. Justice Agencies. FHDY Agencies / 18.01.00.00 Prosecutor's Office / 18.01.01.00 General Rules]

The provision of information constituting bank secrecy to the court, prosecutor's office, preliminary investigation, inquiry bodies, and bodies carrying out operational-search activities, as well as to the state executor, is carried out by sending it to the requesting body in a closed and sealed envelope or via protected communication channels through an information system in the form of an electronic document, provided that there are grounds provided for by this Law for this. (First part of Article 12 in the edition of Law No. URQ-697 of the Republic of Uzbekistan dated June 28, 2021 — , June 29, 2021, No. 03/21/697/0607) See previous edition.

[
OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.22.00.00 Lending / 07.22.01.00 General Issues;
2.
12.00.00.00 Information and Informatization / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Information / 12.03.05.08 Provision of Information. Information Services]

The provision of credit information to credit bureaus is carried out on the basis of a contract on the exchange of credit information.
(Second part of Article 12 was supplemented on the basis of Law No. URQ-321 of the Republic of Uzbekistan dated April 10, 2012 — UR Collection of Legislation, 2012, No. 15, Article 163) See previous edition.

Article 13. Submission of information constituting bank secrecy to persons specified in the will, heirs, executor of the will, legal successors, notarial and consular institutions

In the event of the death of an individual, information constituting bank secrecy shall be submitted by the servicing bank to persons specified in the will, heirs, and the executor of the will in the manner established by this Law.

Notarial and consular institutions have the right to obtain such information in the cases specified in the first part of this Article, if information constituting bank secrecy is necessary to verify the composition and location of the inheritance property when issuing a certificate of right to inheritance.

Information constituting bank secrecy of a legal entity undergoing reorganization is submitted to its legal successors on the basis of documents confirming legal succession.

If the requests of the subjects specified in the first, second, and third parts of this Article for the submission of information constituting bank secrecy are not submitted in accordance with legislation, the bank shall inform the applicant thereof within five working days, indicating the deficiencies and the list of documents necessary for consideration of the application.

When documents are submitted in accordance with legislation by the persons specified above, the bank is obliged to submit to the applicant full information about the relevant client and all documents in a closed and sealed envelope or in the form of an electronic document via protected communication channels through information systems within five working days.

(Article 13 in the edition of the Law of the Republic of Uzbekistan No. URQ-1070 dated June 23, 2025 — , 24.06.2025, No. 03/25/1070/0536. Effective date — September 25, 2025) See previous edition.

Article 13-1. Submission of information constituting bank secrecy to third parties

Information constituting bank secrecy is submitted to third parties within the framework of fulfilled obligations or within the framework of transferred rights (claims) when the client's obligations to the bank are fulfilled by third parties in the manner established by legislation, or when the right (claim) belonging to the bank is transferred to another person (renounced in favor of another person other than the claim), or when it is transferred to another person in accordance with the law.

(Article 13-1 introduced on the basis of the Law of the Republic of Uzbekistan No. URQ-1070 dated June 23, 2025 — , 24.06.2025, No. 03/25/1070/0536. Effective date — September 25, 2025)

Article 14. Circulation of information constituting bank secrecy between banks
[OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.18.00 Regulation and Control by Banks]

Banks may exchange and submit to each other information about their clients (representatives) in the manner and scope established by law for the purpose of ensuring the safety of their activities and guaranteeing the repayment of deposits, loans, and other investments. See previous edition.

Information constituting bank secrecy is submitted to the Deposit Insurance Agency, as well as to agent banks for the payment of compensation for guaranteed deposits.

(Part two of Article 14 in the edition of the Law of the Republic of Uzbekistan No. URQ-1031 dated February 18, 2025 — , 19.02.2025, No. 03/25/1031/0160) [OKOZ:
1.
12.00.00.00 Information and Information Dissemination / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Use Information / 12.03.05.05 Other Restricted Use Information]

A bank that has received information about a client (representative) of another bank is not entitled to disclose such information and submit it to third parties.

Article 15. Limit on the submission of information constituting bank secrecy
[OKOZ:
1.
12.00.00.00 Information and Information Dissemination / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Use Information / 12.03.05.03 Bank Secrecy (see also 07.21.16.00);
2.
12.00.00.00 Information and Information Dissemination / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Use Information / 12.03.05.05 Other Restricted Use Information]

The bank submits information constituting bank secrecy only regarding its own client (representative) in accordance with this Law; in this case, if information about other persons is indicated in the documents of the client (representative) stored at the bank, such information is also considered information regarding the client (representative).

Article 16. Refusal to submit information constituting bank secrecy
[OKOZ:
1.
12.00.00.00 Information and Information Dissemination / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Use Information / 12.03.05.03 Bank Secrecy (see also 07.21.16.00)]

If a request for the submission of information constituting bank secrecy does not comply with the rules of this Law, the bank must refuse to submit such information. [OKOZ:
1.
01.00.00.00 Constitutional System / 01.06.00.00 Rights, Freedoms and Duties of Man and Citizen / 01.06.07.00 Citizens' Appeal to Courts, Other State Bodies and Other Organizations]

A refusal to submit information constituting bank secrecy may be appealed to the court.
[OKOZ:
1.
02.00.00.00 Fundamentals of State Administration / 02.03.00.00 Republic State Administration Bodies and Economic Management Bodies / 02.03.01.00 General Issues;
2.
12.00.00.00 Information and Information Dissemination / 12.03.00.00 Information Resources. Use of Information Resources / 12.03.05.00 Restricted Use Information / 12.03.05.05 Other Restricted Use Information]

State power and administration bodies, including law enforcement agencies, as well as their officials, are not entitled to request and obtain information constituting bank secrecy, except in cases specified in this Law.

Article 17. Resolution of Disputes
See previous edition.
[OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.19.00 Liability for Violation of Legislation on Banks and Banking Activity]

Disputes related to bank secrecy are resolved in the manner established by legislation.
(Text of Article 17 in the edition of the Law of the Republic of Uzbekistan No. URQ-683 dated April 21, 2021 — , 21.04.2021, No. 03/21/683/0375) See previous edition.

Article 18. Liability for Violation of Legislation on Bank Secrecy
(Name of Article 18 in the edition of the Law of the Republic of Uzbekistan No. URQ-683 dated April 21, 2021 — , 21.04.2021, No. 03/21/683/0375) [OKOZ:
1.
07.00.00.00 Legislation on Finance and Credit. Banking Activity / 07.21.00.00 Banking Activity / 07.21.19.00 Liability for Violation of Legislation on Banks and Banking Activity]

Illegal disclosure by a person to whom information constituting bank secrecy was entrusted or became known in connection with the performance of official duties, or illegal use of such information, as well as causing damage to the bank client (representative), shall be a ground for liability in accordance with the law.

See: Part three of Article 786, Article 985 of the Civil Code of the Republic of Uzbekistan, Articles 46, 1793 of the Code of Administrative Responsibility.

President of the Republic of Uzbekistan I. KARIMOV

Tashkent,

August 30, 2003,

No. 530-II
(Information Bulletin of the Oliy Majlis of the Republic of Uzbekistan, 2003, No. 9-10, Article 144; Collection of Legislation of the Republic of Uzbekistan, 2005, No. 37-38, Article 280; 2009, No. 39, Article 423; 2012, No. 15, Article 163; 2016, No. 17, Article 173; 2017, No. 37, Article 978; National Database of Legislative Information, 16.01.2019, No. 03/19/516/2484; , 21.04.2021, No. 03/21/683/0375; 29.06.2021, No. 03/21/697/0607, 12.04.2022, No. 03/22/762/0290; 21.09.2024, No. 03/24/964/0736; 19.02.2025, No. 03/25/1031/0160; 24.06.2025, No. 03/25/1070/0536; 17.12.2025, No. 03/25/1102/1173; 14.07.2026, No. 03/26/1158/0727)