15
Articles
1
Chapters
F(/FD
Issuing authority
AI
Cited answers from article text
Federal Decree-Law No. (10) of 2025 Regarding Anti-Money Laundering, and Combating the Financing of Terrorism and Proliferation Financing (replaces FDL 20/2018) is one of the rulebooks issued by the Federal (Cross-Regulator / Federal Decree-Laws). For compliance officers, legal teams, and advisors working under this regime, finding the right article quickly matters. Lexara indexes the full text of UAE AML/CFT/CPF Law (FDL 10/2025) 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.
15 articles in 1 chapters, each with a plain-English summary by Arakan. The full text of every article is in the Laws Browser.
Article 5(2),(4)Chapter Eight - Freeze orders
The FIU Chief can freeze suspected funds for thirty days and suspend transactions for up to ten working days, requiring institutions to lift freezes when cancelled.
Article 10Chapter Four - Cross-border disclosure
Individuals carrying significant currencies or valuables entering or leaving the UAE must disclose this under the Federal Authority's system, facing penalties for non-compliance.
Article 11(1)Chapter Eight - Law enforcement and FIU requests
Financial institutions and related entities must provide requested information to the Financial Intelligence Unit in the specified format and timeframe.
Article 18(1)-(3)Chapter Eight - Suspicious transaction reporting
Financial institutions must report suspicious transactions to the Financial Intelligence Unit without delay.
Article 19(1)(a)Chapter Eight - Risk assessment
Businesses must identify, manage, and document crime-related risks on a risk-based approach, retaining assessments for Supervisory Authority review.
Article 19(1)(b)-(c)Chapter Eight - Customer due diligence
Customer Due Diligence must be applied, and accounts cannot be opened for anonymous or fictitious customers.
Article 19(1)(d)Chapter Eight - Policies and controls
Organizations must implement and continually update internal policies and controls to manage AML risks, approved by senior management.
Article 19(1)(e)Chapter Eight - Targeted financial sanctions
Immediate implementation of directives from the Executive Office regarding targeted financial sanctions is required.
Article 19(1)(f)Chapter Eight - Record keeping
All records related to domestic and international transactions must be retained and made available to authorities upon request.
Article 20Chapter Eight - Licensing
No entity may conduct financial, DNFBP, or VASP activities without a licence; violations may incur imprisonment or substantial fines.
Article 24Chapter Eleven - Confidentiality
Information related to suspicious transactions is confidential and can only be disclosed for investigations or as permitted by law, with penalties for unauthorized notifications.
Article 35(1)Chapter Twelve - Beneficial ownership information
Providing false beneficial ownership information to authorities or financial institutions constitutes an offence, punishable by imprisonment and/or fines of at least AED 20,000.
Article 41(3)Chapter Thirteen - Transitional
Previous regulations under FDL 20/2018 remain effective until replaced by new regulations, unless in conflict.
Articles 2-3, 26-27, 30Chapter Twelve - Criminal offences
Money laundering, terrorist financing, and proliferation financing are serious offences, punishable by substantial fines and imprisonment for individuals and legal entities.
Articles 17, 35(3)Chapter Twelve - Penalties for compliance failures
Supervisory authorities may impose fines and penalties for compliance failures under the AML law.
UAE AML/CFT/CPF Law (FDL 10/2025)'s 15 indexed articles break down by obligation type as follows.
Compliance / MLRO — 13 articles
Legal / Compliance — 1 article
Operations / Finance — 1 article
UAE AML/CFT/CPF Law (FDL 10/2025) spans the following regulatory topics, as tagged by Lexara.
aml
cft
cpf
dnfbp
financial crime
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What is Federal Decree-Law No. (10) of 2025 Regarding Anti-Money Laundering, and Combating the Financing of Terrorism and Proliferation Financing (replaces FDL 20/2018)?
Federal Decree-Law No. (10) of 2025 Regarding Anti-Money Laundering, and Combating the Financing of Terrorism and Proliferation Financing (replaces FDL 20/2018) is issued by the Federal (Cross-Regulator / Federal Decree-Laws). It has 15 articles across 1 chapters.
What does UAE AML/CFT/CPF Law (FDL 10/2025) cover?
It is organised into: AML/CFT/CPF Law.
Who issues UAE AML/CFT/CPF Law (FDL 10/2025)?
The Federal (Cross-Regulator / Federal Decree-Laws). Always check the authority's official publication for the binding text.
Can I search UAE AML/CFT/CPF Law (FDL 10/2025) and ask questions about it?
Yes. Lexara searches the full text of all 15 articles and answers plain-English questions with a citation to the exact article.
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