Tashkent, Uzbekistan (UzDaily.uz) — Advertisements for loans, including microloans, in Uzbekistan must carry a warning about financial risks, occupying at least 10% of the advertisement’s main area and duration. This requirement is set out in a law signed by President Shavkat Mirziyoyev on 10 November 2026.
Law No. ZRU-1187 introduces amendments and additions to the Law on Advertising, adopted on 7 June 2022. The Legislative Chamber passed the amendments on 14 April 2026, and the Senate approved them on 7 August.
The new provision in Article 43 states: “Advertisements for loans, including microloans, must contain a warning that failure to meet debt obligations under such services may entail financial risks. This warning must occupy at least 10% of the advertisement’s main area and duration.”
This requirement will take effect three months after the law enters into force. The remaining provisions will take effect on the date of its official publication.
The law also covers insurance. Information aimed at improving insurance literacy is now classified as social information.
The relevant wording has been added to Article 5, following the reference to the conservation of energy resources.
Article 20 expands the range of advertisers permitted to disseminate social information. Previously, it referred to individuals and legal entities; authorised bodies in relevant sectors have now also been included.
The law’s preamble states that extensive efforts have been made in recent years to protect consumers of insurance and credit and financial services. Additional benefits are being introduced for the public, including entrepreneurs.
The document says there is a need to provide the public with more information about insurance through the media. It also calls for warnings in credit advertisements that consumers may face financial risks if they misjudge their ability to repay a loan and fail to meet their debt obligations.
According to the law, the amendments are intended to make insurance services more accessible by providing complete and reliable information. They are also designed to strengthen public confidence in insurance and raise awareness of risks associated with borrowing.
The National Agency for Perspective Projects, the Competition Development and Consumer Protection Committee, the Central Bank and other relevant organisations are responsible for implementing the law, communicating its provisions to those responsible for enforcement and explaining them to the public.
The Cabinet of Ministers must bring government decisions into line with the new law. It must also ensure that national executive authorities review and repeal their regulatory acts that conflict with the law.
