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IRU Circular 14/2026Insurance Regulatory Unit

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.

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

Issued
08.07.2026
Published
09.07.2026
Guide reviewed
11.10.2026
Instrument
IRU Circular 14/2026

Action at a glance

What this instrument asks you to do

Revise your reporting calendar: Circular 11/2023 on insurance AML statistics is cancelled from this circular's issuance, while the annual questionnaire under Circular 9/2025 continues. Apply Decision 36/2026 and be able to provide IRU the necessary data, information and statistics on request. Removing every AML reporting task would be an incorrect response.

Source-backed

Stated legal requirements

Requirements below are attributed to the instrument or cited guidance; each item includes its source location.

  1. 01

    Circular 11/2023 concerning insurance AML/CFT statistics is cancelled from the date of issuance of this circular.

    Citation · Circular p. 1, item 1.

  2. 02

    Compliance with Circular 9/2025 concerning the annual AML/CFT questionnaire continues.

    Citation · Circular p. 1, item 2.

  3. 03

    Comply with Decision 36/2026 amending Decision 57/2023 and supply necessary data, information and statistics to IRU when requested.

    Citation · Circular p. 1, item 3.

Dates and applicability

Timing, grace period and deadline

Timing

Issued 8 July 2026; published 9 July 2026. The cancellation in item 1 expressly operates from issuance. Items 2–3 preserve or state obligations; no universal new response deadline is stated.

Grace period

No separate grace period is stated in the reviewed circular. This is not a claim that no subsequent extension or amendment exists.

Expit suggested practices

Build a reviewable closure record

These suggested actions are implementation practices, not additional legal requirements.

  1. 01

    Mark Circular 11/2023 as cancelled and identify the tasks and templates that depend on it.

    Suggested owner
    Regulatory reporting owner
    Evidence to retain
    Versioned instruction register and reporting-calendar change approval.
    Complete when
    Obsolete dependencies are identified without removing still-applicable reporting.
    Expit support context
    Explore document classification and review of instruction-linked records.
  2. 02

    Keep the annual questionnaire under Circular 9/2025 in the applicable calendar and check the current submission instructions.

    Suggested owner
    AML compliance officer
    Evidence to retain
    Current questionnaire source, accountable owner and applicable schedule.
    Complete when
    The continuing obligation is explicitly assigned and monitored.
    Expit support context
    Explore preparing a reviewable questionnaire evidence package.
  3. 03

    Prepare for requested data under Decision 36/2026, with an owner and controlled source-data reconciliation.

    Suggested owner
    Reporting and data owners
    Evidence to retain
    Request register, reconciled data package, approval and submission evidence.
    Complete when
    Each received request can be tracked to the relevant instruction and response, including unresolved data issues.
    Expit support context
    Explore IAP document extraction, review-package preparation and traceable case records. Human approval, legal interpretation and official submissions remain with your institution; integrations require separate technical scoping.

Further clarification

Frequently asked questions

Which reporting obligation does IRU Circular 14/2026 cancel?

Item 1 cancels Circular 11/2023 on insurance AML/CFT statistics from issuance. It does not cancel the annual questionnaire under Circular 9/2025 or requested data under Decision 36/2026.

How is Circular 14/2026 linked to Decision 36/2026?

Item 3 expressly requires compliance with Decision 36/2026 and the provision of necessary data, information and statistics when IRU requests them.

Primary references

Official sources

  1. IRU Circular 14/2026 — official Arabic document (opens in a new tab)

    Page 1 items 1–3, legal warning and issue date.

    SOURCE 01
  2. IRU official publications index (opens in a new tab)

    Website publication date; not a substitute for the document's issue date or clauses.

    SOURCE 02

Read with care

Enforcement and limitations

Enforcement stated in source

The closing paragraph warns of legal accountability under Insurance Law 125/2019, its Executive Bylaws and relevant IRU instruments and laws. No specific fine amount is stated here.

Limitations of this guide

The cancelled statistics instruction must not be confused with the continuing annual questionnaire or a specific IRU data request. Check the current questionnaire, later instructions and the deadlines on individual requests.