Banks in Uzbekistan are now required to inform clients about the risks associated with late loan repayment, both in advertising materials and in credit agreements. The relevant resolution of the Central Bank Council was registered by the Ministry of Justice on September 30, 2026, under number 3948 and will come into force one month after official publication.
Resolution No. 24/18 was adopted by the regulator's council on September 15, 2026, in fulfillment of Presidential Decree No. PP-265 dated July 15, 2026, which aims to improve public services and create additional conveniences for citizens. The document was signed by the Chairman of the Central Bank, Timur Ishmetov.
The introduced changes concern the rules establishing minimum requirements for commercial banks when interacting with consumers of banking services. According to the new regulation, any credit advertisement must contain a warning that failure to fulfill debt obligations may expose the borrower to financial risks.
In print and electronic visual advertising, this warning must occupy at least 10% of the ad space, while in audio and video advertising, it must constitute at least 10% of the total duration of the video. The warning will be even more prominent in credit agreements: it must be located on the first page of the contract before the main text and occupy at least 30% of that page. The wording of this warning has been approved as a standard form.
The warning states that overdue fulfillment of obligations may lead to an increase in the total debt amount and the application of enforcement measures. The borrower's property may be subject to recovery, and if the recovered funds are insufficient to repay the debt, the remaining amount will remain the borrower's debt. Recovery may also be directed at property pledged by a third party, in which case the guarantor may be obliged to repay the debt. Amounts paid by the guarantor or mortgagor may subsequently be recovered from the borrower himself.
Other possible consequences listed in the warning include the freezing of funds in bank accounts, temporary restriction on leaving Uzbekistan by court or state executor decision, and deterioration of the borrower's credit history, which may limit the ability to obtain a loan in the future. Banks are allowed to present this warning in the form of graphics, infographics, or another visual format, provided all its content is preserved.
Regulations concerning measures and sanctions against banks, non-bank credit organizations, and credit bureaus have also been supplemented. Grounds for applying coercive measures now include cases where a credit product offered by the bank is deemed misleading to consumers. Existing rules already require banks to provide advertising information without abusing consumer trust or exploiting their lack of experience or knowledge, and prohibit advertising that misleads consumers about the terms of banking services.