Kuwait · regulatory action guides

Kuwait CMA & IRU Circulars — Compliance Action Guides

Search Kuwait CMA and IRU circulars by number, date and topic, with official sources, verified action guides and transparent coverage gaps.

Each guide separates the instrument’s stated requirements from suggested implementation records. Read the official source and confirm applicability with your institution.

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Capital markets authority

CMA instruments

02 guides

CMA Circular 08/2026Reviewed 11.10.2026

CMA Circular 08/2026: How to Report Inaccurate UBO Data

A practical Kuwait CMA UBO discrepancy-reporting guide: identify supported inaccuracies, prepare the MOCI notification and retain review and submission evidence.

Open action guide

CMA Circular 14/2026Reviewed 11.10.2026

CMA Circular 14/2026: Implement the Updated UBO Guidance

How CMA-licensed firms can review the August 2026 beneficial ownership guidance, address ownership changes and Waqf arrangements, and build verification evidence.

Open action guide

Insurance regulatory unit

IRU instruments

19 guides

IRU Circular 10/2026Reviewed 11.10.2026

IRU Circular 10/2026: Close Customer UBO Notification Gaps

How Kuwait insurance firms can check customer UBO accuracy, address discrepancies with commercial-register data and prepare the required MOCI notification.

Open action guide

IRU Circular 11/2026Reviewed 11.10.2026

IRU Circular 11/2026: Route Suspicious Cases Correctly

Distinguish KFIU GoAML reporting from law-enforcement routes under Kuwait IRU Circular 11/2026, with review decisions and confidential submission evidence.

Open action guide

IRU Decision 36/2026Reviewed 11.10.2026

IRU Decision 36/2026: Update Article 28 AML Reporting Controls

Understand the Article 28 reporting amendment to IRU Decision 57/2023, its 9 June 2026 effective date, and evidence needed for updated insurance AML reporting controls.

Open action guide

IRU Circular 14/2026Reviewed 11.10.2026

IRU Circular 14/2026: Update Your AML Reporting Obligations

Apply IRU's cancellation of Circular 11/2023, preserve the annual questionnaire obligation and prepare requested AML data under Decision 36/2026.

Open action guide

IRU Circular 15/2026Reviewed 11.10.2026

IRU Circular 15/2026: UBO Updates and the 30 July Deadline

IRU Circular 15/2026 required updated UBO and ownership documents by 30 July 2026. Check scope, document exceptions, submission evidence and outstanding remediation.

Open action guide

IRU Circular 18/2026Reviewed 11.10.2026

IRU Circular 18/2026: Prepare UBO Evidence for Inspection

How IRU-supervised firms can adopt the updated beneficial-owner guidance and prepare evidence of customer identification and complex ownership review for inspection.

Open action guide

IRU Circular 4/2026Reviewed 11.10.2026

IRU Circular 4/2026 — Remote operations and legally effective notices

IRU Circular 4/2026 describes remote receipt of regulatory transactions and service of complaints-committee and disciplinary decisions. A team must monitor its official channels; physical non-receipt is not a reason to ignore an electronically served notice. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 5/2026Reviewed 11.10.2026

IRU Circular 5/2026 — National designation-list monitoring and match notification

IRU Circular 5/2026 requires continuous monitoring of local and international designation lists, implementation of the relevant designation decisions, and notification of matches to the designated MFA committee and IRU AML office. It is not a static list that can be screened once and forgotten. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 6/2026Reviewed 11.10.2026

IRU Circular 6/2026 — Correspondence channels and original-document delivery

IRU Circular 6/2026 allocates correspondence to specific departments and makes clear that sending email does not replace delivery of an original paper document when IRU orders it. Licensing transactions follow the stated official-letter delivery procedure. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 7/2026Reviewed 11.10.2026

IRU Circular 7/2026 — Implementing a specific national-list delisting decision

IRU Circular 7/2026 communicates a specific removal from the national list and requires supervised insurers to implement that decision. A delisting event must be reconciled against the current official list and the exact identifiers, not treated as permission to disable sanctions screening. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 8/2026Reviewed 11.10.2026

IRU Circular 8/2026 — Registered email as an official notification channel

IRU Circular 8/2026 adopts an entity's IRU-registered email address as an official channel for announcements and correspondence. Notifications of annual violations and investigation summons are sent from IRU's official email and have the legal effects described in the circular. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 9/2026Reviewed 11.10.2026

IRU Circular 9/2026 — FATCA and CRS 2026 reporting controls

IRU Circular 9/2026 sets FATCA/CRS registration, portal submission and XML validation instructions. Its original 31 May reporting deadline was subsequently extended by Circular 12/2026 to 31 August 2026; the extension does not cancel the other reporting controls. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 12/2026Reviewed 11.10.2026

IRU Circular 12/2026 — FATCA/CRS reporting deadline extension

IRU Circular 12/2026 extended the FATCA/CRS reporting deadlines in paragraphs 3 and 4 of Circular 9/2026 from 31 May to 31 August 2026. All other instructions in Circular 9 remain in force without amendment. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 13/2026Reviewed 11.10.2026

IRU Circular 13/2026 — Compulsory motor-claims receipt and acknowledgement

IRU Circular 13/2026 requires documented written channels for third-party motor claims, including email and WhatsApp, and a prompt acknowledgement identifying what was received and what is missing. Firms must not let channel failures delay or obstruct a claim. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 16/2026Reviewed 11.10.2026

IRU Circular 16/2026 — Updated Coast Guard marine-unit form

IRU Circular 16/2026 replaces the previously circulated Coast Guard marine-unit registration form with the updated attached form. Insurers must print/use it, complete it and give it to the insured for the Coast Guard process. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 17/2026Reviewed 11.10.2026

IRU Circular 17/2026 — National Risk Assessment in institutional risk reviews

IRU Circular 17/2026 requires supervised firms to study the published National Risk Assessment executive summaries and use relevant findings, indicators and risks to review/update institutional risk assessments, policies, procedures and internal controls. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 19/2026Reviewed 11.10.2026

IRU Circular 19/2026 — Credit-rating decline: corrective plan and progress disclosures

IRU Circular 19/2026 adopts disclosure and corrective-plan follow-up forms for a credit-rating decline below the required minimum. A board-approved corrective plan must be submitted within 90 days of the credit-rating report, followed by implementation progress disclosures. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 20/2026Reviewed 11.10.2026

IRU Circular 20/2026 — Annual Kuwaiti workforce data and ratio form

IRU Circular 20/2026 adopts an annual workforce data/ratio form. It must reflect the company's position at 31 December, contain all requested data and be submitted to IRU within 90 days after the financial year end. Official sources and an evidence-led implementation checklist.

Open action guide

IRU Circular 21/2026Reviewed 11.10.2026

IRU Circular 21/2026 — Minimum QR-code data in compulsory insurance policies

IRU Circular 21/2026 reminds supervised entities of the minimum information required in a compulsory-policy QR code under Article 4(2) of Decision 19/2025. Check the QR-resolved content, not only that a QR image prints on the policy. Official sources and an evidence-led implementation checklist.

Open action guide

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IRU Circular 21/2026·Insurance Regulatory UnitGuide verified

Compulsory-policy QR-code minimum information

تعميم رقم (21) لسنة 2026 بشأن الالتزام بالحد الأدنى من البيانات التي يجب ان يحتوي عليها رمز الاستجابة السريع (QR CODE) في وثائق التأمين الاجبارية وفقاً للقرار رقم (19) لسنة 2025 بشأن قواعد إصدار وثائق التأمين الإجباريةOfficial Arabic title

Issued 08.10.2026Published 11.10.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record Read verified action guide →

CMA Circular 17/2026·Capital Markets AuthorityCatalogue only

Securities dealings following nationality withdrawal: October update

تعميم هيئة أسواق المال رقم (17) لسنة 2026 إلى كافة الجهات والأفراد المخاطبين بأحكام القانون رقم (7) لسنة 2010 بشأن إنشاء هيئة أسواق المال وتنظيم نشاط الأوراق المالية ولائحته التنفيذية وتعديلاتهما بخصوص التعامل في الأوراق المالية لمن سحبت منهم الجنسية الكويتية فئة (المادة الثامنة - الأعمال الجليلة - إحصاء 1965 - أبناء الكويتيات)Official Arabic title

Issued 05.10.2026Published 05.10.2026Circular

Official CMA webpage reviewed for catalogue title and date. Attachment is authoritative but download timed out and PDF extraction was insufficient. Original-PDF comparison and current applicability review outstanding; no action guide is newly published from this entry.

Official source Archive record

IRU Circular 20/2026·Insurance Regulatory UnitGuide verified

Kuwaiti workforce data and ratios

تعميم رقم (20) لسنة 2026 بشأن اعتماد نموذج بيانات ونسب العمالة الوطنية الكويتية العاملة في قطاع التأمينOfficial Arabic title

Issued 27.09.2026Published 28.09.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

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IRU Decision 49/2026·Insurance Regulatory UnitCatalogue only

قرار رقم (49) لسنة 2026 بشأن فروع الجهات الذين قاموا بتوفيق أوضاعهم طبقاً للقانون ولائحته التنفيذية وتعديلاتها

قرار رقم (49) لسنة 2026 بشأن فروع الجهات الذين قاموا بتوفيق أوضاعهم طبقاً للقانون ولائحته التنفيذية وتعديلاتهاOfficial Arabic title

Issued Date not listedPublished 15.09.2026Decision

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record

IRU Decision 50/2026·Insurance Regulatory UnitCatalogue only

قرار رقم (50) لسنة 2026 بشأن تجديد تراخيص المزاولة طبقاً للقانون (125) لسنة 2019 في شأن تنظيم التأمين ولائحته التنفيذية وتعديلاتها

قرار رقم (50) لسنة 2026 بشأن تجديد تراخيص المزاولة طبقاً للقانون (125) لسنة 2019 في شأن تنظيم التأمين ولائحته التنفيذية وتعديلاتهاOfficial Arabic title

Issued Date not listedPublished 15.09.2026Decision

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record

CMA Circular 15/2026·Capital Markets AuthorityCatalogue only

Securities trading and identity verification for the 1965 census category

تعميم هيئة أسواق المال رقم (15) لسنة 2026 إلى كافة الجهات والأفراد المخاطبين بأحكام القانون رقم (7) لسنة 2010 بشأن إنشاء هيئة أسواق المال وتنظيم نشاط الأوراق المالية ولائحته التنفيذية وتعديلاتهما بشأن ممارسة الحق في التداول والبيع والشراء للأسهم والصكوك والأوراق المالية لمن سحبت منهم الجنسية الكويتية من فئة إحصاء 1965Official Arabic title

Issued 03.09.2026Published 03.09.2026Circular

Official source Archive record

CMA Circular 16/2026·Capital Markets AuthorityCatalogue only

Brokerage commission discounts and approved policies

تعميم هيئة أسواق المال رقم (16) لسنة 2026 إلى الأشخاص المرخص لهم بمزاولة نشاط وسيط مؤهل مسجل في بورصة الأوراق المالية بشأن تنظيم الخصومات على عمولة الوساطة الماليةOfficial Arabic title

Issued 03.09.2026Published 03.09.2026Circular

Official source Archive record

IRU Circular 19/2026·Insurance Regulatory UnitGuide verified

Credit-rating decline disclosures and corrective plans

تعميم رقم (19) لسنة 2026 بشأن اعتماد نماذج الإفصاح والخطة التصحيحية ومتابعة تنفيذها في حال انخفاض التصنيف الائتماني والتقارير الدوريةOfficial Arabic title

Issued 03.09.2026Published 03.09.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

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IRU Circular 18/2026·Insurance Regulatory UnitGuide verified

Updated beneficial-owner guidance

تعميم رقم (18) لسنة 2026 بشأن تحديث الدليل الارشادي لمفهوم المستفيد الفعليOfficial Arabic title

Issued 02.09.2026Published 03.09.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record Read verified action guide →

CMA Circular 14/2026·Capital Markets AuthorityGuide verified

Updated beneficial-owner guidance

تعميم هيئة أسواق المال رقم (14) لسنة 2026 بشأن تحديث الدليل الإرشادي لمفهوم المستفيد الفعليOfficial Arabic title

Issued 26.08.2026Published 26.08.2026Circular

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IRU Decision 42/2026·Insurance Regulatory UnitCatalogue only

قرار رقم (42) لسنة 2026 بشأن تجديد تراخيص المزاولة طبقاً للقانون (125) لسنة 2019 في شأن تنظيم التأمين ولائحته التنفيذية وتعديلاتها

قرار رقم (42) لسنة 2026 بشأن تجديد تراخيص المزاولة طبقاً للقانون (125) لسنة 2019 في شأن تنظيم التأمين ولائحته التنفيذية وتعديلاتهاOfficial Arabic title

Issued Date not listedPublished 11.08.2026Decision

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record

IRU Circular 17/2026·Insurance Regulatory UnitGuide verified

National Risk Assessment in institutional risk reviews

تعميم رقم (17) لسنة 2026 بشأن تقارير التقييم الوطني للمخاطرOfficial Arabic title

Issued 05.08.2026Published 06.08.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record Read verified action guide →

IRU Circular 16/2026·Insurance Regulatory UnitGuide verified

Updated Coast Guard marine form

تعميم رقم (16) لسنة 2026 بشأن تحديث نموذج الإدارة العامة لخفر السواحل - وزارة الداخليةOfficial Arabic title

Issued 02.08.2026Published 03.08.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record Read verified action guide →

CMA Circular 13/2026·Capital Markets AuthorityCatalogue only

National Risk Assessment executive summaries

تعميم هيئة أسواق المال رقم (13) لسنة 2026 بشأن التقييم الوطني للمخاطرOfficial Arabic title

Issued 29.07.2026Published 30.07.2026Circular

Official source Archive record

IRU Circular 15/2026·Insurance Regulatory UnitGuide verified

Updated beneficial-owner information and required records

تعميم رقم (15) لسنة 2026 بشأن تحديث بيانات المستفيد الفعليOfficial Arabic title

Issued 14.07.2026Published 15.07.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

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IRU Circular 14/2026·Insurance Regulatory UnitGuide verified

AML/CFT operational reporting obligations

تعميم رقم (14) لسنة 2026 بشأن الالتزامات الواجبة للجهات الخاضعة لقواعد مكافحة غسل الأموال وتمويل الارهابOfficial Arabic title

Issued 08.07.2026Published 09.07.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record Read verified action guide →

CMA Circular 12/2026·Capital Markets AuthorityCatalogue only

Sharia audit independence: index and income-purification services

تعميم هيئة أسواق المال رقم (12) لسنة 2026 بشأن الجمع بين تقديم خدمات التدقيق الشرعي وتقديم خدمة إعداد مؤشر الأسهم المتوافقة مع أحكام الشريعة الإسلامية أو خدمة احتساب تطهير الإيرادات المحرمةOfficial Arabic title

Issued 06.07.2026Published 06.07.2026Circular

Official source Archive record

IRU Circular 13/2026·Insurance Regulatory UnitGuide verified

Compulsory motor-claims receipt

تعميم رقم (13) لسنة 2026 بشأن آليه استلام المطالبات الخاصة بوثيقة التأمين من المسؤولية المدنية الناشئة عن حوادث المرور (التأمين الاجباري للمركبات)Official Arabic title

Issued 05.07.2026Published 05.07.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

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CMA Circular 11/2026·Capital Markets AuthorityCatalogue only

Disclosure mechanism from 1 July 2026

تعميم هيئة أسواق المال رقم (11) لسنة 2026 "إلى كافة الشركات المدرجة والأشخاص المرخص لهم وأنظمة الاستثمار الجماعي وصناديق الاستثمار تحت التصفية ومراقبي الحسابات المسجلين لدى هيئة أسواق المال والمتعاملين في السوق بشأن آلية تقديم الإفصاحات ابتداء من تاريخ 01/07/2026Official Arabic title

Issued 30.06.2026Published 30.06.2026Circular

Official source Archive record

CMA Circular 10/2026·Capital Markets AuthorityCatalogue only

Updated FATF jurisdiction-list monitoring

تعميم هيئة أسواق المال رقم (10) لسنة 2026 بشأن الدول التي لا تطبق أو تطبق بشكل غير كاف توصيات مجموعة العمل المالي FATFOfficial Arabic title

Issued 22.06.2026Published 22.06.2026Circular

Official source Archive record

IRU Circular 12/2026·Insurance Regulatory UnitGuide verified

FATCA/CRS reporting deadline extension

تعميم رقم (12) لسنة 2026 بشأن تمديد مهلة تقديم التقارير المالية الواردة في تعميم رقم (9) لسنة 2026 بشأن نظام تبادل المعلومات FATCA ومعيار الإبلاغ المشترك CRS لسنة 2026Official Arabic title

Issued 15.06.2026Published 17.06.2026Circular

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

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IRU Decision 37/2026·Insurance Regulatory UnitCatalogue only

قرار رقم (37) لسنة 2026 بشأن تعديل بعض أحكام اللائحة التنفيذية للقانون رقم (125) لسنة 2019 في شأن تنظيم التأمين

قرار رقم (37) لسنة 2026 بشأن تعديل بعض أحكام اللائحة التنفيذية للقانون رقم (125) لسنة 2019 في شأن تنظيم التأمينOfficial Arabic title

Issued Date not listedPublished 10.06.2026Decision

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record

IRU Decision 33/2026·Insurance Regulatory UnitCatalogue only

قرار رقم (33) لسنة 2026 بشأن تجديد تراخيص المزاولة طبقاً للقانون (125) لسنة 2019 في شأن تنظيم التأمين ولائحته التنفيذية وتعديلاتها

قرار رقم (33) لسنة 2026 بشأن تجديد تراخيص المزاولة طبقاً للقانون (125) لسنة 2019 في شأن تنظيم التأمين ولائحته التنفيذية وتعديلاتهاOfficial Arabic title

Issued Date not listedPublished 09.06.2026Decision

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record

IRU Decision 36/2026·Insurance Regulatory UnitGuide verified

قرار رقم (36) لسنة 2026 بشأن تعديل القرار رقم (57) لسنة 2023 بشأن اصدار قواعد مكافحة غسل الأموال وتمويل الارهاب

قرار رقم (36) لسنة 2026 بشأن تعديل القرار رقم (57) لسنة 2023 بشأن اصدار قواعد مكافحة غسل الأموال وتمويل الارهابOfficial Arabic title

Issued 09.06.2026Published 09.06.2026Decision

Original document and current status need review. Catalogue date is publication, not necessarily signed issue date.

Official source Archive record Read verified action guide →

Listings preserve official titles and source links. Presence, absence, or status in this catalogue is not a legal conclusion. Review archive coverage and limitations.