17
Articles
1
Chapters
CBUAE
Issuing authority
2025
Effective since
AI
Cited answers from article text
Federal Decree-Law No. (6) of 2025 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 UAE FDL6 — Licensing of Financial Activities 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.
17 articles in 1 chapters, each with a plain-English summary by Arakan. The full text of every article is in the Laws Browser.
Article 60(1)-(3)Article 60: Prohibition of Carrying on or Promoting Financial Activities Without a License
No person may carry on or promote licensed financial activities in or from the UAE without first obtaining the required Central Bank license.
Article 60(6)-(7)Article 60: Prohibition of Carrying on or Promoting Financial Activities Without a License
Licensed Financial Institutions must carry on business strictly within their licence scope, and no person may falsely present itself as a Licensed Financial Institution.
Article 61(1)Article 61: Licensed Financial Activities
Central Bank licensing applies to financial activities including deposit-taking, credit facilities, currency exchange, money transfer, virtual asset payment services, stored value services, and insurance and Takaful business.
Article 61(3)Article 61: Licensed Financial Activities
A Licensed Financial Institution wishing to carry on activities licensed by other authorities, onshore, offshore or in a Financial Free Zone, must obtain Central Bank approval before seeking that licence.
Article 62: Carrying on Licensed Financial Activities through Emerging Technologies
Any person carrying on or facilitating licensed financial activities through virtual assets, DeFi, or other emerging technology platforms is subject to Central Bank licensing and oversight.
Article 63: Application for Licensing
Applicants to carry on or add Licensed Financial Activities must apply to the Central Bank, meeting Board-set conditions including fit and proper criteria, minimum capital and controls.
Article 64(2)Article 64: Deciding on Licensing Application or Extension of License Scope
The Central Bank may require a licence applicant to fulfil outstanding licensing requirements and conditions within a deadline it specifies.
Article 65: Imposing Conditions and Restrictions on a License
The Central Bank may impose, change or cancel licence conditions; institutions must be notified of reasoned decisions within 20 working days, with reasons, effective date and grievance rights.
Article 66(1)Article 66: Suspension, Withdrawal, or Revocation of License
The Central Bank can suspend or revoke a financial institution's license for various specified violations.
Article 66(2)-(4)Article 66: Suspension, Withdrawal, or Revocation of License
A Licensed Financial Institution seeking withdrawal of its licence must apply per Central Bank guidelines, and must be notified within 20 working days of any suspension, withdrawal or revocation decision.
Article 67: Use of Term ‘Bank’ or ‘Masraf’
Entities other than licensed banks must not use the terms 'Bank' or 'Masraf', or similar expressions, in addresses or advertisements in a way that could mislead the public, subject to specified exemptions.
Article 68(2)-(3)Article 68: Entry to the Register and Licensing Fees
A Licensed Financial Institution must not begin licensed financial activities until entered in the Central Bank's Register of Licensed Financial Institutions, and must pay registration and licensing fees.
Article 69: Legal Form
Banks and (re)insurance companies must adopt the public joint-stock company legal form, with exemptions for foreign bank branches, specialised banks, and foreign insurer branches.
Article 70: Minimum Capital Requirements
Licensed Financial Institutions must meet minimum capital, risk-based capital and Board-set capital change conditions, and follow prescribed procedures for any capital shortfall.
Article 71(1)Article 71: Shareholding and Ownership in Licensed Financial Institutions
Banks incorporated in the State must keep national shareholding in their capital at no less than 60%, subject to ownership conditions and controls set by the Board of Directors.
Article 72: Representative Offices
A licensed financial institution based outside the UAE or in a financial free zone must obtain a Central Bank license before conducting representative office business within the State.
Article 73: Amendment of the Memorandum and Articles of Association
Licensed Financial Institutions must obtain prior Central Bank approval for memorandum or articles of association amendments; the Central Bank decides within 15 working days, with rejections escalated to the Board.
UAE FDL6 — Licensing of Financial Activities's 34 indexed articles break down by obligation type as follows.
Legal — 20 articles
Compliance — 10 articles
Finance — 4 articles
UAE FDL6 — Licensing of Financial Activities spans the following regulatory topics, as tagged by Lexara.
cbuae
fdl6
licensing
authorisation
registration
financial activities
licensed financial institution
lfi
2025
Instead of reading through UAE FDL6 — Licensing of Financial Activities 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.
Ask in plain English — no need to know the article number in advance
Every answer cites the specific article it draws from, with a direct link
Responses include the relevant article text, not just a paraphrase
Cross-reference UAE FDL6 — Licensing of Financial Activities against other Central Bank of the UAE rulebooks in a single query
How Lexara works
Laws Browser
Browse the full article corpus for any UAE authority. Filter by law, chapter, or topic tag.
Full-text search
Keyword and semantic search across 7,000+ indexed articles from 20+ UAE regulators.
AI Explorer
Ask a regulatory question in plain English. Get a cited answer grounded in the actual statutory text.
Trigger layer
Structured deadline data per article — event type, offset, recurrence. No manual calendar parsing.
What is Federal Decree-Law No. (6) of 2025?
Federal Decree-Law No. (6) of 2025 is issued by the Central Bank of the UAE and has applied since 1 January 2025. It has 17 articles across 1 chapters.
What does UAE FDL6 — Licensing of Financial Activities cover?
It is organised into: CBUAE Federal Decree-Law No. (6) of 2025 – Central Bank, Financial Institutions and Insurance Business Law.
Who issues UAE FDL6 — Licensing of Financial Activities?
The Central Bank of the UAE. Always check the authority's official publication for the binding text.
Can I search UAE FDL6 — Licensing of Financial Activities and ask questions about it?
Yes. Lexara searches the full text of all 17 articles and answers plain-English questions with a citation to the exact article.
Leave your details and a compliance adviser who works with UAE FDL6 — Licensing of Financial Activities will call you back. There's no charge to ask.
Arakan Lexara Weekly
Key developments and what they mean, what firms are asked to do, and the deadlines coming up — from the DFSA, FSRA, VARA, CBUAE, FTA and more. Read the latest