The UAE now combines cross-authority enabling-technology guidance with a 2026 CBUAE consumer-protection note specific to responsible AI and machine learning in licensed financial institutions.
Expectations cover governance, fairness, transparency, explainability, data quality, privacy, security, validation, human intervention and customer recourse.
CBUAE-licensed financial institutions, including insurers, plus institutions supervised by the authorities covered by the enabling-technology guidelines.
Summarised from the primary instruments below. Open the source before relying on an obligation for legal or compliance decisions.
Use additional safeguards for high-impact decisions, clear customer disclosures and routes to question or review outcomes.
Test and validate material AI for reliability, safety, fairness and intended performance before and after deployment.
Maintain data quality, provenance, audit trails, privacy-by-design and security-by-design.
The original authority remains the source of truth. Dates below are publication and effective dates, not OneBench ingest dates.
Central Bank of the UAE
Sets consumer-focused principles for responsible AI and ML use by licensed financial institutions and insurers.
CBUAE, SCA, DFSA and FSRA
Sets cross-authority principles for AI governance, design, testing, monitoring, ethics and customer protection.