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IRU Decision 36/2026Insurance Regulatory Unit

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.

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

Issued
09.06.2026
Published
09.06.2026
Guide reviewed
11.10.2026
Instrument
IRU Decision 36/2026

Action at a glance

What this instrument asks you to do

Update your reporting procedure to the amended Article 28 rather than relying only on the former quarterly-report wording. The replacement requires the applicable reports and data using IRU's prepared forms and the decisions, circulars and time limits it issues as appropriate. Maintain a current instruction register and evidence for each required submission.

Source-backed

Stated legal requirements

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

  1. 01

    Article 1 amends Article 28 of Decision 57/2023 according to Annex 1.

    Citation · Decision p. 1, Article 1; p. 2, Annex 1.

  2. 02

    The replacement text requires covered parties to provide IRU reports and data concerning AML, terrorist financing and proliferation financing using the prepared forms, according to IRU decisions, circulars and time limits as applicable.

    Citation · Decision p. 2, Annex 1, column «النص بعد التعديل».

  3. 03

    Conflicting provisions are repealed and the decision takes effect from issuance and is to be published in the Official Gazette.

    Citation · Decision p. 1, Article 2.

Dates and applicability

Timing, grace period and deadline

Timing

Explicitly effective from issuance: 9 June 2026. Reporting time limits depend on the applicable IRU instructions; the amended text does not itself establish a universal new quarterly deadline.

Grace period

No separate grace period is stated in Article 2. Check current IRU reporting instructions for each deliverable.

Expit suggested practices

Build a reviewable closure record

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

  1. 01

    Replace the obsolete Article 28 wording in your policy with a clause-mapped record of the amendment.

    Suggested owner
    AML policy owner
    Evidence to retain
    Before/after policy comparison, decision and annex, approved version.
    Complete when
    Current procedures no longer treat the former wording as the sole reporting instruction.
    Expit support context
    Explore versioned document review and change tracking.
  2. 02

    Create a register of current IRU reporting instructions, forms, recipients and deadlines.

    Suggested owner
    Regulatory reporting lead
    Evidence to retain
    Instruction register with source references and responsible owners.
    Complete when
    Each applicable report has a verified form, timing and reviewer rather than an assumed blanket schedule.
    Expit support context
    Explore organising report preparation and supporting evidence.
  3. 03

    Test one reporting request end to end and retain actual submission evidence.

    Suggested owner
    Reporting lead and quality assurance
    Evidence to retain
    Source-data reconciliation, approval and submission record.
    Complete when
    The report can be traced from applicable instruction to reviewed data and official submission.
    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

When did IRU Decision 36/2026 take effect?

Article 2 explicitly makes it effective from its issue date, 9 June 2026.

Does Decision 36/2026 remove all insurance AML reporting?

No. It replaces Article 28 with reporting obligations tied to IRU forms, decisions, circulars and applicable time limits. Confirm the current instruction for each report.

Primary references

Official sources

  1. IRU Decision 36/2026 — official Arabic document (opens in a new tab)

    Page 1 Articles 1–2; page 2 Annex 1 before/after Article 28.

    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

This is an amendment within the IRU AML rule framework. The decision does not set a standalone fine amount in its two pages; do not infer that other supervisory powers cease to apply.

Limitations of this guide

The amendment is not permission to stop all reporting. Read it with applicable later circulars, including Circular 14/2026, and the remainder of Decision 57/2023. The current form and deadline must be checked for every report.