The Saudi Central Bank is the authority responsible for monitoring and overseeing the banks licensed by it. It has regulatory powers that include framing and organizing matters related to the rights of customers of these banks and ensuring their care, based on the Saudi Central Bank Law issued by Royal Decree No. (M/36) dated 11/4/1442 AH and Article 4 of which states: "The bank shall perform its duties in accordance with the provisions of the system, and the regulations and policies issued by the Council, and in accordance with the best international standards and practices. It has all the necessary powers to achieve its objectives. It is, therefore, authorized to perform the following tasks and exercise the following powers: ...9 Issuing instructions and procedures to protect the clients of financial institutions." Additionally, the Banking Control Law issued by Royal Decree No. (M/5) dated 22/2/1386 AH and its amendments, which granted the Central Bank the authority to set the conditions and requirements that banks must observe when dealing with customers.

Customer care, handling complaints, and financial education are among the key principles outlined in the "High-Level Principles on Financial Consumer Protection." This involves enabling customers to access complaint resolution mechanisms easily and enhancing their financial literacy and awareness through the bank. The bank should also facilitate customers' access to clear information regarding their protection, rights, and responsibilities. Moreover, the bank should establish appropriate mechanisms to help customers develop an understanding of the risks associated with the products offered by the bank, allowing them to make suitable choices based on their needs.

To achieve the goals related to the care of customers of banks operating in the Kingdom, the Central Bank issues these instructions, which represent the minimum standards that banks must adhere to in order to ensure due care for customers.