Uzbekistan to Restrict Debtors’ Access to Loans, Services

Tashkent, Uzbekistan (UzDaily.com) — President Shavkat Mirziyoyev has signed a decree on the digitalization of the system for судебные and other enforcement documents (UP-50), the Ministry of Justice’s legal information channel reported.

Under the document, from 1 January 2027, all enforcement proceedings will be fully transferred into electronic format using modern information technologies. At the same time, processes for distributing funds recovered through enforcement actions will also be digitized.

Authorities plan to automate at least 70% of decisions made by state enforcement officers through the introduction of artificial intelligence and the development of specialized information systems.

From July 1, 2026, the process of selling property transferred to state ownership will be accelerated. Real estate and vehicles will be directly handed over to the Agency for State Assets Management based on enforcement decisions.

A new mechanism for recovering tax arrears and non-performing loans is also being introduced. Creditors will be granted the right to independently sell debtors’ assets through online auctions based on duly issued procedural documents.

Additional powers are being extended to government bodies and financial institutions. Tax authorities will be able to inventory and seize assets of legal entities in tax debt cases, while bank representatives will carry out similar procedures for pledged assets on behalf of enforcement officers.

Separate measures target alimony debtors. From May 1, they will face restrictions on access to a range of financial, credit, and public services until their debts are fully repaid.

Earlier, at a meeting on March 13, President Mirziyoyev instructed officials to reform the system for managing alimony obligations, including proposals to simplify overseas travel for compliant payers.

As part of these efforts, the Bureau of Enforcement, together with banks, local authorities’ assistants, and employment services, will work to increase the incomes of payers. Tax authorities and the Department for Combating Economic Crimes under the Prosecutor General’s Office will focus on identifying hidden incomes of debtors.