Laws and Regulations
The CBK (Digital Credit Providers) Regulations-2022
The Central Bank of Kenya (Digital Credit Providers) Regulations, 2022, were gazetted on March 18, 2022. The Regulations, which are now operational, provide for the licensing and oversight of previously unregulated Digital Credit Providers (DCPs) by CBK. You can access the CBK (Digital Credit Providers) Regulations 2022 here …
Approved Code of Conduct by CBK
Approved by the Central Bank of Kenya under Regulation 24 (8) of the Banking (Credit Reference Bureau) Regulations, 2020 on 18th May, 2021 Download …
Data Protection Act, 2019
The Data Protection Act was enacted in 2019. Members of CIS Kenya have been provided with summary of requirements as well as the roles each of their department is expected to take to ensure compliance. Members are encouraged to read and understand the full Act to ensure they are protected from legal risks that may arise on non-compliance. link …
CREDIT REFERENCE BUREAU REGULATIONS, 2013
The Credit Reference Bureau Regulations, 2013 operationalise Section 31 of the Banking Act and Section 34 of the Microfinance Act. Through this Commercial and Microfinance Banks are mandated to submit both Positive and Negative information on the performance of the credit facilities extended to its customers. Download the CREDIT REFERENCE BUREAU REGULATIONS, 2013 …
THE MICROFINANCE (DEPOSIT- TAKING MICROFINANCE INSTITUTIONS) REGULATIONS, 2008
The Microfinance Regulations were released to operationalise the Microfinance Act (2006).The regulations prescribe how licensing of the Microfinance Institutions is to be conducted, how to provision, classification of credit facilities and many other on conducting the microfinance business. Download THE MICROFINANCE (DEPOSIT- TAKING MICROFINANCE INSTITUTIONS) REGULATIONS, 2008 …
Charting a Course for a Resilient Kenyan Credit Market: Lessons from the CIS Kenya Credit Market Growth Summit 2025
As we navigate mid-2025, the Kenyan credit market finds itself at a critical juncture, shaped by the significant political realignments of 2024, including the public protests and subsequent government changes and an unsettled global economic landscape. Against this backdrop, The Credit Market Growth & Resilience Summit held on July 24–25, 2025, brought together a diverse group of experts, thought leaders, and industry peers. The mission was clear: to equip participants with the knowledge and tools needed to validate and recalibrate their credit strategies for competitiveness, ultimately charting a course for a more resilient and sustainable market.The summit’s theme, “Empowering the …
Empowering Women Through Financial Inclusion: Building a Sustainable Future
Adah Mukubi, CIS Kenya Mercy Nehema, Creditinfo Kenya Lukania Makunda, FSD Kenya Jackline Ogero, KWFT “The MSME Loan Performance Report 2024 highlights that women entrepreneurs are more likely to face collateral challenges due to lower asset ownership compared to men. This calls for innovative solutions, such as group-based lending models, flexible repayment schedules, and alternative credit scoring mechanisms that consider women’s informal financial activities. By designing products that align with women’s lived experiences, financial institutions can unlock their full economic potential.” Key Insights from the CIS Kenya International Women’s Day Webinar Financial inclusion is a cornerstone of economic growth and social transformation. …
The CIS ValiData
1. CIS ValiData Tool We are thrilled to introduce the CIS ValiData Tool – a solution designed to make credit information sharing faster, more reliable, and easier for financial institutions. If you’re wondering how this tool works and why it’s so important, let us break it down for you. 2. What Is the CIS ValiData Tool? It is a tool that helps credit providers check their credit data for errors before sending it to the credit bureaus. Think of it as a “data proofreader” that ensures everything is accurate and meets the required standards. By catching errors early, the tool …
How Technology is Transforming Credit Information Sharing
The financial ecosystem is the lifeblood of any thriving economy. At its heart lies Credit Information Sharing (CIS), a mechanism whose intention is to foster trust, transparency, and inclusivity between lenders and borrowers. However, in a rapidly evolving digital world, traditional approaches to credit data management are no longer sufficient. Technology has emerged as a game-changer, transforming CIS in ways we once only imagined. At CIS Kenya, we are leveraging technological advancements to redefine how credit information is collected, processed, validated, and shared. This transformation not only enhances efficiency but also builds trust and strengthens the financial ecosystem for all stakeholders. …
Empowering Young Women and Girls through Financial Inclusion
As the world marks the International Day of the Girl Child under the theme “Girls’ Vision for the Future,” we reflect on the dreams, aspirations, and voices of young women in Kenya. This theme conveys not only the urgency of addressing the challenges girls face but also the hope and power of their vision for a more equitable future. Central to this vision is the issue of financial inclusion, which holds immense potential to transform young women’s lives by providing them with access to credit, enabling them to pursue their dreams, and securing their place in the economic landscape. Despite …
The CBK (Digital Credit Providers) Regulations-2022
The Central Bank of Kenya (Digital Credit Providers) Regulations, 2022, were gazetted on March 18, 2022. The Regulations, which are now operational, provide for the licensing and oversight of previously unregulated Digital Credit Providers (DCPs) by CBK. You can access the CBK (Digital Credit Providers) Regulations 2022 here …
Credit Scoring for Risk-Based Pricing
Overview The use of credit scoring and the variety of scoring have increased significantly in recent years owing to better access to a wider variety of data, increased computing power and greater demand for improvements in efficiency. Credit scoring has evolved from traditional decision making of accepting or rejecting an application for credit to inclusion of other facets of the credit process such as the pricing of financial services to reflect the risk profile of the consumer or business and the setting of credit limits. This training course will explore the application of credit scoring and the effective practices for …
CIS Kenya Past Conferences 2011- 2021
CIS Kenya has conducted six conferences since 2011 and is in advance preparation stage of The 6th Africa CIS Conference. Due to Covid-19 restrictions in 2021, CIS Kenya conducted a virtual conference which attracted over 150 attendees countrywide. You can see the breakdown of CIS Kenya Past Conferences since 2011 here …
Legal Notice 225 of 2021
Legal Notice 225 of 2021 suspended sharing of some aspects of negative information sharing for a period of 1 year from October 2021 to September 2022.http://t.ly/EUsC …