24
Articles
3
Chapters
CBotU
Issuing authority
AI
Cited answers from article text
Central Bank of the UAE — Regulation on Telemarketing by Licensed Financial Institutions 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 Telemarketing Regulation 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.
24 articles in 3 chapters, each with a plain-English summary by Arakan. The full text of every article is in the Laws Browser.
Article 2 - Prior Approval Requirement
Licensed financial institutions must secure written Board approval for telemarketing activities and obtain Central Bank approval if required for specific cases.
Article 3.1-3.4Article 3 - Training Requirements (Content and Frequency)
Telemarketers must complete 15 hours of training on ethics and customer privacy before marketing, with annual refresher training required.
Article 3.5-3.6Article 3 - Reporting of Training
Licensed financial institutions must report telemarketing training courses to the Central Bank regularly, as per prescribed format and frequency when requested.
Article 4 - Procedures and Policies for Telemarketers
LFIs must establish internal policies for telemarketing and train telemarketers on these procedures before conducting telemarketing.
Article 5 - Telemarketing Scripts
LFIs must create concise telemarketing scripts and submit them to the Central Bank for approval and modifications.
Article 6 - List of Telemarketers and Authorised Channels
Licensed financial institutions must maintain a list of authorized telemarketing channels and ensure compliance with registration and disclosure requirements.
Article 7 - Obtaining Consent
LFIs must obtain clear customer consent for telemarketing, ensuring terms are understandable and targeting only legally aged customers.
Article 8.1-8.2Article 8 - Methods and Content Requirements for Obtaining Consent
LFIs must obtain explicit customer consent through specified methods, ensuring clear information, voluntary agreement, and a straightforward opt-out mechanism.
Article 8.3Article 8 - Consent Withdrawal
Upon a customer's consent withdrawal, the LFI must stop all contact and remove the customer's details from its telemarketing list.
Article 9 - Do Not Call Registry (DNCR)
LFIs must ensure telemarketers access the Do Not Call Registry, avoid contacting listed customers, and publish guides for complaint submission and DNCR registration.
Article 10.1-10.3, 10.5Article 10 - Telemarketing Log and Records
Licensed financial institutions must maintain a Telemarketing log capturing specific details, check for compliance, and inform customers about recordings.
Article 10.4Article 10 - Record Retention
Licensed financial institutions must keep telemarketing records for a minimum of 5 years in the format required by the Central Bank.
Article 10.4-retRecord Retention — Telemarketing log and related records
Telemarketing logs and related records must be retained for a minimum of 5 years from the date of record creation.
Article 11 - Reporting Requirements
LFIs must submit an annual report on telemarketing activities to the Central Bank within 30 days of year-end, providing requested Telemarketing-related information.
Article 12 - Ethical Telemarketing
Telemarketers must maintain integrity and honesty, avoid misleading claims, and adhere to legal standards when contacting vulnerable consumers.
Article 13 - Telemarketing Information
Telemarketers are required to disclose key information at the start of calls, confirm accessibility, and avoid misleading statements during communications.
Article 14 - Telemarketing Termination
Telemarketing calls must stop immediately upon customer request and cannot target customers who previously opted out.
Article 15 - Telemarketing Time and Frequency
Telemarketing calls can only occur between 9:00 AM and 6:00 PM and must respect customer preferences regarding timing and frequency.
Article 16 - Automated Communication Systems (Robocalls) and AI
For telemarketing using automated systems, firms must disconnect unanswered calls quickly and ensure compliance with legal standards for AI use.
Article 17 - Unwanted Telemarketing Communications
Financial institutions must inform customers of their rights to complain about unwanted telemarketing and provide clear complaint-handling guidance.
Article 18 - Data Privacy and Data Protection
Licensed Financial Institutions (LFIs) must implement strong security measures to protect Customer data and can only share it with consent and in compliance with laws.
Article 19 - Compliance Requirements
An LFI must ensure telemarketers and third-party services comply with regulations, conduct annual audits, and adhere to Central Bank telemarketing controls.
Article 20 - Violations and Enforcement
Violations of Telemarketing Regulation may lead to Central Bank sanctions, and LFIs must comply with procedures for appeals against penalties.
Article 24.2Article 24 - Transitional Implementation Deadline
LFIs must comply with Telemarketing Regulation measures within ninety days of its effective date.
CBUAE Telemarketing Regulation's 24 indexed articles break down by obligation type as follows.
Compliance — 7 articles
Compliance/Operations — 4 articles
Compliance/Sales — 4 articles
Compliance/Board — 1 article
Compliance/HR — 1 article
Compliance/Marketing — 1 article
CBUAE Telemarketing Regulation spans the following regulatory topics, as tagged by Lexara.
cbuae
consumer protection
telemarketing
marketing
conduct
Instead of reading through CBUAE Telemarketing Regulation 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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Cross-reference CBUAE Telemarketing Regulation against other Central Bank of the UAE rulebooks in a single query
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What is Central Bank of the UAE — Regulation on Telemarketing by Licensed Financial Institutions?
Central Bank of the UAE — Regulation on Telemarketing by Licensed Financial Institutions is issued by the Central Bank of the UAE. It has 24 articles across 3 chapters.
What does CBUAE Telemarketing Regulation cover?
It is organised into: Part 1 - Telemarketing Requirements; Part 2 - Telemarketing Controls; Part 3 - General Provisions.
Who issues CBUAE Telemarketing Regulation?
The Central Bank of the UAE. Always check the authority's official publication for the binding text.
Can I search CBUAE Telemarketing Regulation and ask questions about it?
Yes. Lexara searches the full text of all 24 articles and answers plain-English questions with a citation to the exact article.
Leave your details and a compliance adviser who works with CBUAE Telemarketing Regulation 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