The Arab Republic of Egypt has accorded significant importance to combating money laundering and terrorist financing crimes, as reflected in the establishment of an appropriate legislative environment. This has been achieved through the enactment of Law No. 80 of 2002 on Combating Money Laundering, Law No. 94 of 2015 on Combating Terrorism, and subsequent legislation governing the regulation of terrorist entities and terrorists’ lists.
Recognizing the need for an effective supervisory tool to combat money laundering and terrorist financing, the Egyptian Anti-Money Laundering and Terrorist Financing Combating Unit was established pursuant to Law No. 80 of 2002 as an independent entity.
In fulfillment of its statutory obligations, the Financial Regulatory Authority (FRA) has assigned the Central Department for Anti-Money Laundering, Counter-Terrorist Financing, and Counter-Proliferation of Weapons of Mass Destruction the task of verifying the compliance of financial institutions subject to its supervision with the legally prescribed AML/CFT systems and rules, in a manner consistent with the nature of their activities.
This mandate is exercised in line with Law No. 10 of 2009 regulating supervision of non-bank financial markets and instruments, under which the FRA is responsible for safeguarding the soundness and stability of non-bank financial markets, regulating and developing them, providing the necessary systems and mechanisms, issuing rules to ensure market efficiency and transparency, maintaining a balance between the rights of market participants, protecting their interests, and taking the necessary measures to curb manipulation and fraud in such markets.
Accordingly, the FRA has issued several decisions governing AML/CFT requirements applicable to entities subject to its supervision, most notably:
FRA Board of Directors decision No. 161 of 2024, dated 31 July 2024, concerning supervisory controls for combating money laundering and terrorist financing applicable to entities and financial institutions operating in the non-bank financial sector. This decision consolidated and amended all previous AML/CFT decisions into a single comprehensive framework encompassing all relevant provisions.
This Decision replaced FRA Board Decision No. 2 of 2021.
The application of these laws and decisions entails the obligation of entities subject to the FRA’s supervision to comply with all AML/CFT-related provisions and rules, ensuring the proper fulfillment of their obligations. This also includes compliance with customer due diligence procedures for non-bank financial activities, financial inclusion products and services, mobile payment services, prepaid card services, and all guidance and instructions issued by the FRA or the Egyptian FIU.
In line with the FRA’s commitment to its supervisory, guidance, and awareness-raising role, this page has been designed as an educational and awareness platform presenting the governing laws and decisions, as well as guidance manuals and awareness publications issued by the FRA to assist supervised entities in complying with applicable legal requirements.
Last Update: 7 May 2025
- FRA Board Decision No. 161 of 2024 on AML/CFT supervisory controls
- FRA Board Decision No. 2 of 2024 on licensing and continuity requirements for key positions in securities companies
- FIU Decision No. 1 of 2024 on the mechanism for implementing targeted financial sanctions pursuant to relevant UN Security Council decisions related to terrorism, its financing, and the proliferation of weapons of mass destruction
- Law No. 80 of 2002 promulgating the Anti-Money Laundering Law
- Executive Regulations of Law No. 80 of 2002 on AML/CFT
- Law No. 8 of 2015 on the Regulation of Terrorist Entities Lists
- Law No. 2 of 2020 amending Law No. 8 of 2015
- Law No. 14 of 2020 amending Law No. 8 of 2015
- Law No. 94 of 2015 promulgating the Anti-Terrorism Law
- Law No. 15 of 2020 amending the Anti-Terrorism Law No. 94 of 2015
- Customer Due Diligence Procedures for financial institutions subject to FRA supervision
- Circular dated 18 December 2024 on compliance with AML/CFT supervisory controls
- Public Prosecutor Decision No. 2722 of 2019 on the establishment of the Money Laundering Prosecution
- Law No. 11 of 2017 amending certain provisions of criminal procedure laws and related legislation
- Law No. 22 of 2018 regulating the seizure, inventory, management, and disposal of assets of terrorist entities and terrorists
- FRA Board Decision No. 100 of 2020 on corporate governance rules for non-bank financial institutions
- FRA Board Decision No. 177 of 2024 on licensing and continuity requirements for non-bank financial companies
- FRA Board Decision No. 178 of 2024 on the approval of ownership, control, or merger of non-bank financial companies
- Circular No. 2 of 2019 on regulating the use of non-cash payment methods
- FRA Board Decision No. 15 of 2025 on establishment and licensing rules for insurance and reinsurance companies
- FRA Board Decision No. 9 of 2013 on brokerage firms’ dealings in foreign depository receipts
- FRA Board Decision No. 58 of 2018 on licensing rules for banks and certain non-bank financial companies to engage in investment fund activities
- Guidance for Financial Institutions and Designated Non-Financial Businesses and Professions (DNFBPs)
- Guidelines for Conducting Sectoral Risk Assessments for Money Laundering and Terrorist Financing
- Guidance Report on Politically Exposed Persons (PEPs)
- Guidance Report on Addressing Terrorist Financing and Proliferation Financing Risks for Insurance Companies
- Circular to Insurance Companies on Financial Dealings with Persons Listed on Negative/Sanctions Lists
- (1) International Standards on Anti-Money Laundering and Counter-Terrorist Financing (English Version)
- International Standards on Anti-Money Laundering and Counter-Terrorist Financing
- Circular Letter Regarding the Internal Audit Report
- Guidance Manual Issued by the Unit on Countering the Financing of Terrorism
- Guidance Manual on Internal Control Systems
- Anti-Money Laundering and Counter-Terrorist Financing Policy for the
- Methodology for Assessing Technical Compliance
- Bulletin No. (1): Concept of Money Laundering
- Bulletin No. (2): Concept of the Predicate Offence
- Bulletin No. (3): Stages of Money Laundering
- Bulletin No. (4): Core Elements of the Money Laundering Offence
- Bulletin No. (5): Financial Transactions
- Bulletin No. (6): Proceeds of Crime
- Bulletin No. (7): Money Laundering Risks at the National Level
- Bulletin No. (8): Money Laundering Risks to Financial Institutions
- Bulletin No. (9): Concept of the Money Laundering Crime under Egyptian Legislation
- Bulletin No. (10): Key Authorities and Financial Institutions
- Bulletin No. (11): Definition of a Terrorist Crime
- Bulletin No. (12): Definition of a Terrorist Act
- Bulletin No. (13): Similarities between Money Laundering and Terrorist Financing Crimes
- Bulletin No. (14): Definition of the Terrorist Financing Crime
- Bulletin No. (15): Stakeholders in the AML/CFT Framework
- Bulletin No. (16): Supervisory and Regulatory Authorities
- Bulletin No. (17): Entities Exploited in Money Laundering
- Bulletin No. (18): Key International Organizations
- Bulletin No. (19): Key Guidance Indicators
- Bulletin No. (20): Suspicious Transaction Indicators for Capital Market Entities
- Bulletin No. (21): Suspicious Indicators for the Insurance Sector
- Bulletin No. (22): Suspicious Indicators for Financial Leasing Activities
- Bulletin No. (23): Suspicious Indicators for Mortgage Finance Activities
- Bulletin No. (24): Suspicious Indicators for Factoring Activities
- Bulletin No. (25): Indicators for Microfinance Activities
- Bulletin No. (26): Indicators for Consumer Finance Activities
- Bulletin No. (27): Risk-Based Supervision
- Bulletin No. (28): Stages of Risk Management
- Bulletin No. (29): Risk Management Framework
- Bulletin No. (30): Customer-Related Risks
- Bulletin No. (31): Politically Exposed Customers
- Bulletin No. (32): Geographic Risk Factors
- Bulletin No. (33): Key Sources of Information
- Bulletin No. (34): Key Decisions and Laws
- Bulletin No. (35): Countering the Proliferation of Weapons of Mass Destruction
- Bulletin No. (36): Weapons of Mass Destruction
- Bulletin No. (37): Financing the Proliferation of Weapons of Mass Destruction
- Bulletin No. (38): Dual-Use Goods
- Statement Issued by the Financial Action Task Force (FATF) – October 2024
Securities Suspicious Transaction Report (STR) Form
Financial Leasing STR Form
Insurance STR Form
Factoring STR Form
Consumer Finance STR Form
Mortgage Finance STR Form
Microfinance STR Form
Annual Report Form
Asset Freeze / Unfreeze Notification Form
New Annual Report Form
وحدة مكافحة غسل الأموال وتمويل الإرهاب المصرية https://www.mlcu.org.eg/ar/
Financial Action Task Force (FATF): http://www.fatf-gafi.org
Middle East and North Africa Financial Action Task Force (MENAFATF) www.menafatf.org
Basel Committee on Banking Supervision: www.bis.org
United Nations (U.N.): http://www.un.org
International Money Laundering Information Network: www.imolin.org
Egmont Group of Financial Intelligence Units: www.egmontgroup.org
Wolfsburg Group: www.wolfsberg-principles.com
U.S. Office of Foreign Assets Control (OFAC) https://www.treasury.gov/about/organizational-structure/offices/Pages/Office-of-Foreign-Assets- Control.aspx
Do you have any feedback or inquiries? We welcome all comments and questions and will endeavor to respond as promptly as possible.
Contact Information:
Financial Regulatory Authority (FRA)
Address: Smart Village-Building B136, Financial District, Km 28 Cairo-Alexandria Desert Road, Giza
Central Department for Anti-Money Laundering and Counter-Terrorist Financing
Maj. Gen. Hamdy Badawy – Supervisor of the Central Department
Ms. Maha Kinz – Director General, Regulatory Channels and Technical Support
Eng. Alaa Al-Assal, Director General, AML/CFT Information Systems
Mr. Amr Al-Amir, Director General, Specialized Inspection and Examination
Email: AMLCD@fra.gov.eg