Finance Sector Circulars
| Circular No. | Circular Title | Issue Date (G) | Issue Date (H) | Status |
| 440946210000 | Dealing with the Licensed Real Estate Brokers in Accordance with the Relevant Laws and Regulations | 07/10/2023 | 22/12/1444 | In- Force |
| 000044081439 | In-kind Real Estate Registration | 14/05/2023 | 24/10/1444 | In- Force |
| 000044064923 | Eid Al-Fitr and Eid Al-Adha holidays for 1444 AH. | 06/03/2023 | 14/08/1444 | No longer Applicable |
| 000044058467 | Model Retail Consumer Finance Contract | 08/02/2023 | 17/07/1444 | In- Force |
| 000044055679 | Assigning debt collection operations of banks, financial institutions, and finance companies to debt collection entities licensed by the Central Bank. | 30/01/2023 | 8/07/1444 | In- Force |
| 000044051055 | Amending Article (8) of the Implementing Regulations of the Finance Companies Supervision Law | 12/01/2023 | 19/06/1444 | In- Force |
| 000044043873 | Compliance with Customer Personal Data Protection Instructions | 18/12/2022 | 24/05/1444 | In- Force |
| 000044039029 | Lessors are responsible for the correctness of the data provided when requesting the issuance of extracts of the executory deed of the registered financial lease contract | 30/11/2022 | 6/05/1444 | In- Force |
| 000044037856 | Biometric Authentication for Remote Customer Relationship Initiation/Establishment | 27/11/2022 | 3/05/1444 | In- Force |
| 000044029338 | Ensuring Continuous Fulfilment of the Professional Certification Requirement | 31/10/2022 | 6/04/1444 | In- Force |
| 000044028129 | Providing the Central Bank with the semi-annual risk report and prudential statements, and publishing the quarterly financial reports and statements and the annual audited financial statements on the company's website | 27/10/2022 | 2/04/1444 | In- Force |
| 000044028131 | Preparing a quarterly risk report, providing it to the Central Bank, as well as the annual and quarterly audited financial statements and prudential statements, and publishing the reports, quarterly financial statements and annual audited financial statements on the company's website | 27/10/2022 | 2/04/1444 | In- Force |
| 000044018254 | Ensure that finance companies update their credit granting policies and procedures | 02/10/2022 | 6/03/1444 | In- Force |
| 000044016457 | Emphasis on Finance Entities to Adhere to SAMA's Collection Regulations and Procedures for Individual Customers when Outsourcing Debt Collection Tasks to External Service Providers | 25/09/2022 | 29/02/1444 | In- Force |
| 000044009296 | Updating Financial Institution KPIs | 01/09/2022 | 5/02/1444 | In- Force |
| 000044009058 | Emphasis on Applying the Method for Calculating Government Subsidies Provided by the Ministry of Municipal and Rural Affairs and Housing or the Real Estate Development Fund | 31/08/2022 | 4/02/1444 | In- Force |
| 000044003844 | Provision of Finance Awareness Programs for SMEs | 11/08/2022 | 13/01/1444 | In- Force |
| 000043083271 | The Rules Governing Real Estate Refinance Companies | 26/04/2022 | 25/09/1443 | In- Force |
| 000043076847 | Emphasis on the commitment of the real estate financier | 04/04/2022 | 3/09/1443 | In- Force |
| 000043072290 | Deleting Article (4) of the Implementing Regulation of the Real Estate Finance Law, and amending Article (16) of the Implementing Regulation of the Finance Companies Control Law | 24/03/2022 | 21/08/1443 | In- Force |
| 000043071966 | Transfer of Murabaha mortgage debt | 22/03/2022 | 19/08/1443 | In- Force |
| 000043069544 | Eid al-Fitr and Eid al-Adha holidays for the year 1443H | 15/03/2022 | 12/08/1443 | No longer Applicable |
| 000043069533 | Emergency evacuation for people with disabilities | 14/03/2022 | 11/08/1443 | In- Force |
| 000043064977 | Rules on Liquidity Risk Management | 14/03/2022 | 11/08/1443 | In- Force |
| 000043047240 | Urging Adherence to the Preventive and Precautionary Measures | 29/12/2021 | 25/05/1443 | No longer Applicable |
| 000043033258 | Passing Reports to Security Authorities via Hotline Numbers of Police Operations Rooms in Provinces | 18/11/2021 | 13/04/1443 | In- Force |
| 000043033273 | Update to the Guidelines on Standing Orders for Real Estate Financiers | 18/11/2021 | 13/04/1443 | In- Force |
| 000043033200 | Instructions for the purchase of consumer finance debt between finance companies | 18/11/2021 | 13/04/1443 | In- Force |
| 000043029610 | Amendment of article 35 in the Finance Companies Control Law | 09/11/2021 | 4/04/1433 | In- Force |
| 000043010538 | Accepting the digital ID on Absher platform and Tawakklna application | 09/09/2021 | 2/02/1443 | In- Force |
| 000043002199 | Ensure the availability of communication channels for customers with financial institutions | 16/08/2021 | 8/01/1443 | In- Force |
| 000042081293 | Principles of Corporate Governance for Financial Institutions Subject to Saudi Central Bank’s Oversight and Supervision | 01/07/2021 | 21/11/1442 | In- Force |
| 000042078793 | The required certificate for compliance managers of the finance companies. | 21/06/2021 | 11/11/1442 | In- Force |
| 000042075986 | Aggregate Accounts to manage the finance amount for engaging in debt-based crowdfunding | 10/06/2021 | 29/10/1442 | In- Force |
| 000042071901 | Shariah Governance rules for finance companies | 27/05/2021 | 15/10/1442 | In- Force |
| 000042064776 | Updating the requirements for appointment to leadership positions in financial institutions supervised by the Saudi Central Bank | 25/04/2021 | 13/09/1442 | In- Force |
| 000042058610 | Ensure Adherence to Preventive Protocols in all Workplaces | 31/03/2021 | 18/08/1442 | No longer Applicable |
| 000042058651 | Approving the requirement for lawyers to obtain the unified identity number for non-governmental establishments beginning with number (7), through the establishment's legal registry | 31/03/2021 | 18/08/1442 | In- Force |
| 000042048729 | Responding to the Requests of the General Secretariat of the Committees for Resolution of Banking and Financial Disputes and Violations | 01/03/2021 | 13/07/1442 | In- Force |
| 000042049450 | Consideration of Loans Granted by the National Development Fund’s Development Funds and Banks | 01/03/2021 | 17/07/1442 | In- Force |
| 000042039135 | Enforcement Document Extractor for Registered Financial Lease Contract | 25/01/2021 | 12/06/1442 | In- Force |
| 000042032166 | Remote Work Initiative | 28/12/2020 | 14/05/1442 | In- Force |
| 000042027412 | Compliance of financial institutions with the circulars issued by the Saudi Central Bank | 13/12/2020 | 28/04/1442 | In- Force |
| 000042027416 | The Amendment of the International Accounting Standards | 13/12/2020 | 28/04/1442 | In- Force |
| 000003251599 | Extension of Deadline for Correction of Mortgages Registered in the Names of Financing Institutions | 27/10/2020 | 11/03/1442 | No longer Applicable |
| 000042013215 | The real estate financing contract concluded between the real estate financier on behalf or by proxy of others and individual customers is subject to the financing regulations and instructions issued by the organization | 20/10/2020 | 4/03/1442 | In- Force |
| 000042011654 | The Termination of National Identity and Resident Identity | 14/10/2020 | 27/02/1442 | No longer Applicable |
| 000042011671 | Adherence to the standard form of the financing lease contract for vehicles for individuals | 14/10/2020 | 27/02/1442 | In- Force |
| 000042011675 | Digital Certification of Products for Finance Companies Customers | 14/10/2020 | 27/02/1442 | In- Force |
| 000042011687 | VAT for Insurance Contracts Related to Financial Lease Contracts | 14/10/2020 | 27/02/1442 | In- Force |
| 000042011690 | Updating the Websites of Financing Companies and Verifying their Accounts on Social Media. | 14/10/2020 | 27/02/1442 | In- Force |
| 000042005712 | Publication of the Financial Statements and Auditors Report and Board of Directors Report of Finance Companies | 17/09/2020 | 29/01/1442 | In- Force |
| 000042019124 | Regulations for accepting term deposits | 09/09/2020 | 24/03/1442 | In- Force |
| 000041070501 | Real estate valuation fees in mortgage contracts for individuals | 12/08/2020 | 22/12/1441 | In- Force |
| 000042011683 | Adherence to the standard form of the financing lease contract for vehicles for individuals | 21/07/2020 | 27/02/1442 | In- Force |
| 000041061552 | The Amendment of Some Articles in the Implementing Regulation of the Finance Lease Law | 21/06/2020 | 29/10/1441 | In- Force |
| 000042011665 | The resumption of the Finance Companies Business. | 29/05/2020 | 7/10/1441 | No longer Applicable |
| 000041047953 | Instructions for Publishing Sanctions | 05/03/2020 | 11/07/1441 | In- Force |
| 000041041917 | The amendment of three articles in the Implementing Regulation of the Finance Companies Control Law | 10/02/2020 | 16/06/1441 | In- Force |
| 000041038504 | Updating the mortgage finance model contract for Individuals in Murabaha and Ejarah | 26/01/2020 | 1/06/1441 | In- Force |
| 000041038534 | The standard form for a financing lease contract for vehicles for individuals | 26/01/2020 | 1/06/1441 | In- Force |
| 332500000099 | The Inclusion of registration fees in the contract registration company as one of the fees commissions and costs of administrative services stipulated in Article 83 of the Implementing Regulation of the Finance Companies Control Law | 15/09/2019 | 16/01/1441 | In- Force |
| 718440000099 | The Approval of the Property Document Issued by the Economic Cities Authority | 04/08/2019 | 3/12/1440 | In- Force |
| 639110000099 | Registration of Financial Leases Contracts | 27/06/2019 | 24/10/1440 | In- Force |
| 618530000099 | Using Qawaem Program as a Mandatory Requirement Before Providing any Credit Facilities to Commercial Entities | 19/06/2019 | 16/10/1440 | In- Force |
| 611080000099 | Allowing Saudi Real Estate Refinance Company to Purchase Residential Mortgage Portfolios from Real Estate Finance Companies. | 16/06/2019 | 13/10/1440 | In- Force |
| 469110000099 | Issuance of Debt Instruments through Special Purpose Entities | 02/04/2019 | 26/07/1440 | In- Force |
| 713020000099 | Positions intended for directors of main departments in finance companies or their representatives | 23/01/2019 | 17/05/1440 | In- Force |
| 165700000099 | The Obligation to Obtain SAMA Non- Objection before Providing Governmental and Non -Governmental Entities with Information and Supervisory and statistical data | 21/11/2018 | 13/03/1440 | In- Force |
| 115340000099 | His Royal Highness Prince Mohammed bin Salmans program E'tzaz to all military forces in the Kingdom of Saudi Arabia | 07/10/2018 | 27/01/1440 | In- Force |
| 497530000041 | prohibiting the use of the SAMA logo on publications of financial institutions | 22/07/2018 | 9/11/1439 | In- Force |
| 657680000099 | Supplementary Circular Regarding the Obligations of Real Estate Appraisal Clients who are Subject to the SAMA Supervision | 09/07/2018 | 25/10/1439 | In- Force |
| 465440000099 | Mandatory Instructions when Submitting a Mortgage Product to Individuals | 17/05/2018 | 2/09/1439 | Modified |
| 391000084474 | Requirement for customer (natural person) signatures on all pages of contracts and agreements | 17/04/2018 | 1/08/1439 | In- Force |
| 391000083185 | Accepting Electronic Authentication of Company Incorporation Contracts for Limited Liability | 12/04/2018 | 26/07/1439 | In- Force |
| 391000082220 | Compliance with standard forms for real estate financing contracts in Murabaha and Ijara formats for individuals | 09/04/2018 | 24/07/1439 | Modified |
| 391000081077 | Optional adherence by financing companies to certain articles when dealing with enterprises of all sizes | 05/04/2018 | 19/07/1439 | In- Force |
| 391000078943 | Ensuring equality among community groups in financing products and insurance coverage for financing lease contracts | 29/03/2018 | 12/07/1439 | In- Force |
| 391000073369 | Legal Department Employees | 14/03/2018 | 26/06/1439 | In- Force |
| 391000070455 | Procedural Requirements for Mortgage Registration | 06/03/2018 | 19/06/1439 | In- Force |
| 391000070461 | Time Plan to Correct Real Estate Registered in the Names of Financing Institutions | 06/03/2018 | 19/06/1439 | No longer Applicable |
| 391000057611 | Contribution of Investment Funds in the Finance Sector Indirectly | 06/02/2018 | 20/05/1439 | In- Force |
| 391000048362 | Increase the Maximum Mortgage for Citizens to Own the First Home | 14/01/2018 | 27/04/1439 | In- Force |
| 381000089828 | Register Mortgages in Accordance with the Fact of the Contract | 22/05/2017 | 26/08/1438 | In- Force |
| 381000089830 | Registration of lands subject to the white land fees system within the specified period | 22/05/2017 | 26/08/1438 | In- Force |
| 381000086288 | Instruments Issued by Licensed Notaries | 11/05/2017 | 15/08/1438 | In- Force |
| 381000074831 | Definition of Commercial Mortgage | 11/04/2017 | 14/07/1438 | In- Force |
| 381000074519 | Accounting of Zakat and Income Tax | 10/04/2017 | 14/07/1438 | In- Force |
| 381000064902 | Definition of SMEs | 15/03/2017 | 16/06/1438 | In- Force |
| 381000056756 | Cancellation of the requirement for official seals on documents and papers submitted for financing transactions | 22/02/2017 | 25/05/1438 | In- Force |
| 381000046352 | Application of IFRS 9 | 26/01/2017 | 27/04/1438 | In- Force |
| 371000061185 | Obligations of Real Estate appraisal costomers who supervised by SAMA | 08/03/2016 | 28/05/1439 | Modified |
| 371000052766 | Provide SAMA with Quarterly Risk Reports, Audited Annual Financial Statements and Quarterly Financial Statements of Finance Companies | 15/02/2016 | 7/05/1437 | Modified |
| 361000121911 | NEBRAS Project | 27/06/2015 | 11/09/1436 | In- Force |
| 361000115987 | Ensuring the recovery of movable assets from the lessee in cases where thelease includes two parties The landlord’s right to recover them shall be exclusively through the competent authorities | 15/06/2015 | 27/08/1436 | In- Force |
| 361000110001 | Approval of the Document of Title Issued by the Economic Cities Authority | 01/06/2015 | 13/08/1436 | In- Force |
| 361000107381 | Prudential Returns Forms | 26/05/2015 | 7/08/1436 | In- Force |
| 361000107380 | Holidays of Finance Companies | 27/04/2015 | 7/08/1436 | In- Force |
| 361000091211 | Clarification of the Provisions of Article (83) of the Implementing Regulations of the Finance Companies Control Law and Article (9) of the Regulations for Consumer Financing | 18/04/2015 | 30/06/1436 | In- Force |
| 361000068588 | Applicability of Article 12 of the Implementing Regulations of the Real Estate Finance Law on Individual Land Financing | 01/03/2015 | 10/05/1436 | In- Force |
| 361000064191 | Start Date for Adopting the International Accounting Standards | 19/02/2015 | 1/05/1436 | In- Force |
| 351000123114 | Finance Contract Summary Form | 22/07/2014 | 24/09/1435 | In- Force |