9
Articles
1
Chapters
CBUAE
Issuing authority
2024
Effective since
AI
Cited answers from article text
CBUAE Guidance Note on Consumer Protection and Responsible Adoption and Use of AI/ML is one of the rulebooks issued by the Central Bank of the UAE. For compliance officers, legal teams, and advisors working under this regime, finding the right article quickly matters. Lexara indexes the full text of CBUAE AI/ML Guidance Note and makes it searchable two ways: full-text and keyword search for rapid lookup, and AI Explorer for natural-language questions answered with citations to the exact article.
9 articles in 1 chapters, each with a plain-English summary by Arakan. The full text of every article is in the Laws Browser.
Section 2(a)-(e)2. Governance and Accountability
Licensed financial institutions should adopt a documented AI and machine learning governance framework, with the Board and Senior Management accountable, defined control-function roles, and regular risk reporting to the Board.
Section 3(a)-(c)3. Fairness, Non-Discrimination and Ethics
AI/ML systems should avoid discriminatory or manipulative outcomes, use representative training data, and undergo at least annual bias testing and remediation consistent with fair customer treatment.
Section 4(a)-(c)4. Transparency and Explainability
LFIs must be transparent with customers about AI use, disclose it in plain Arabic and English with telephone support, and consider opt-out rights from AI-driven decisions, especially high-impact ones.
Section 5(a)-(e)5. Data Quality, Privacy and Security
LFIs should use accurate AI/ML data with audit trails, protect privacy and security, follow data localisation rules, stress test models, ensure resilience, and use AI where feasible for fraud detection.
Section 6(a)-(g)6. Continuous Monitoring and Review
Licensed financial institutions must continuously monitor AI/ML models, test automatic updates for bias before use, oversee outsourced AI providers, and retain the ability to cease AI use immediately.
Section 7(a)-(d)7. Human Oversight and Consumer Protection
AI/ML systems should have meaningful human oversight proportionate to consumer risk, let consumers request human review and challenge decisions, and avoid pressure-selling or misleading marketing.
Section 8(a)-(c)8. Integration with Existing Frameworks
Licensed financial institutions must integrate AI risk management into their enterprise-wide risk framework, align AI policies with consumer protection and conduct-risk obligations, independently review internally developed AI, and risk-rate each AI system.
Section 9(a)-(d)9. Outsourcing and Third-Party AI Risk
Licensed financial institutions using third-party AI providers should conduct due diligence on governance, security and data protection, and avoid single-provider dependence.
Section 1010. Ethical Collaboration and Innovation
Licensed Financial Institutions are encouraged to collaborate on AI initiatives, share practices, and contribute to industry standards through various partnerships.
CBUAE AI/ML Guidance Note's 18 indexed articles break down by obligation type as follows.
Risk Management — 8 articles
Compliance — 5 articles
IT / Information Security — 4 articles
Compliance / Risk Management — 1 article
CBUAE AI/ML Guidance Note spans the following regulatory topics, as tagged by Lexara.
cbuae
ai
machine learning
consumer protection
governance
fairness
transparency
fintech
lfi
Instead of reading through CBUAE AI/ML Guidance Note article by article, Lexara's AI Explorer lets you ask a question in plain English and get a cited answer — with the specific article referenced.
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What is CBUAE Guidance Note on Consumer Protection and Responsible Adoption and Use of AI/ML?
CBUAE Guidance Note on Consumer Protection and Responsible Adoption and Use of AI/ML is issued by the Central Bank of the UAE and has applied since 1 January 2024. It has 9 articles across 1 chapters.
What does CBUAE AI/ML Guidance Note cover?
It is organised into: Guidance Note on Consumer Protection and Responsible Adoption and Use of AI/ML.
Who issues CBUAE AI/ML Guidance Note?
The Central Bank of the UAE. Always check the authority's official publication for the binding text.
Can I search CBUAE AI/ML Guidance Note and ask questions about it?
Yes. Lexara searches the full text of all 9 articles and answers plain-English questions with a citation to the exact article.
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