Regulatory AlertsAruba: lending & credit regulation
RegulatedAruba lending sector: CBK oversight under AML/CFT framework; no specific credit licensing act cited
- Lead regulator:
- Central Bank of Aruba
- Key law:
- AML/CFT Handbook (2020)
- Last updated:
- 2026-07-12
The Central Bank of Aruba (CBK) serves as the primary supervisor for financial service providers, including those involved in lending, with a focus on anti-money laundering and counter-terrorist financing compliance. The regulatory framework relies heavily on the CBK's AML/CFT Handbook issued in 2020, which mandates risk-based customer due diligence and enhanced monitoring. Specific statutory licensing categories for consumer credit are not detailed in the provided source documents, leaving the precise capital and operational licensing requirements uncertain based on this text alone. The current direction of travel emphasizes strict adherence to international AML/CFT standards for all designated service providers.
Who regulates
Central Bank of Aruba
Primary supervisor for financial and designated non-financial service providers; enforces AML/CFT obligations.
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Core laws & rules
AML/CFT Handbook for Service Providers (2020)
Establishes comprehensive AML/CFT obligations, requiring a risk-based approach to customer due diligence and enhanced monitoring for high-risk jurisdictions.
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Restrictions & warnings
Mandatory risk-based customer due diligence and enhanced monitoring for high-risk jurisdictions are required for all covered service providers.
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Direction of travel
Regulatory focus remains on strengthening AML/CFT compliance frameworks for financial and designated non-financial sectors.
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Sources
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