The Central Bank of Uzbekistan has approved new requirements for loan advertising and contract formatting. The resolution was registered with the Ministry of Justice on September 30 and will take effect on November 1, 2026, according to Spot.uz.
New risk disclosure standards
Starting in November, banks, non-bank credit organizations, and credit bureaus must change how they communicate with borrowers. In print and digital visual ads, warnings about potential financial risks must now occupy at least 10% of the space. In audio and video commercials, a corresponding share of the running time must be allocated to the warning.
In the loan contract, the warning block must appear on the first page, before the main text. It must take up at least 30% of the page. Infographics are allowed if they retain the full meaning of the text.
In the warning itself, lenders must list specific consequences of late payments: debt increases, forced collection, account freezes, property seizure, travel bans from Uzbekistan, and a damaged credit history.
Sanctions for misleading products
At the same time, the Central Bank expanded the list of grounds for sanctioning market participants. The regulator can now penalize a financial organization if it deems its loan product misleading to consumers.
The Central Bank of Uzbekistan is shifting the responsibility for disclosure onto lenders: the negative scenario must now be obvious to the client before they sign the paperwork.