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Credit Information Law

Law governing credit bureaus and credit information

Type	Law
Issuing authority	Saudi Central Bank (SAMA)
Framework	Financial services
Tier	Primary law: niẓām (Royal Decree M/…)
Legal status	In force
Instrument number	M/37 · Royal Decree
Issued	(6/7/1429H)
Dates	Royal Decree M/37 (6/7/1429H); in force
Last verified	2026-10-20

The Credit Information Law (Royal Decree M/37, 6/7/1429H) governs the collection and exchange of credit information and the credit bureaus licensed by the Saudi Central Bank (SAMA).

• In force; SAMA licenses and supervises credit bureaus.
• Credit data is sensitive data under the PDPL, so PDPL rules on sensitive data apply alongside this Law.
• Detail sits in the Implementing Regulations of the Credit Information Law.

Documents

• Official source (rulebook.sama.gov.sa)

In this framework

• The Capital Market Law
• Saudi Central Bank Law
• Law of Payments and Payment Services and its Implementing Regulation
• Banking Control Law
• Implementing Regulations of the Credit Information Law
• Payment Services Provider Regulations (2020)
• Capital Market Institutions Regulations
• SAMA Rules on Outsourcing (No. 41027017)
• Financial Consumer Protection Principles and Rules
• Cyber Resilience Fundamental Requirements (CRFR)
• Adherence to the PDPL and Data Governance Policies, Regulations and Rules (SAMA No. 43045328)
• SAMA Cyber Security Framework (CSF)
• Business Continuity Management Framework
• Counter-Fraud Framework (banks)
• Counter-Fraud Fundamental Requirements (finance and payment companies)
• Enhancement of Operational Resilience to Address Quantum Computing Risks
• Oversight Framework for Payment Systems and Their Operators
• Open Banking Framework
• IT Governance Framework
• Cyber Threat Intelligence Principles
• Ethical Red Teaming Framework
• CMA Cybersecurity Guidelines for Capital Market Institutions
• Payment Services Provider Regulatory Guidelines

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