Regulations
The laws behind every KYC, KYB and AML decision.
Plain-language summaries of the regulations that decide how financial institutions must identify customers, screen them, report suspicious activity and keep records: what each one requires, who it applies to, and how Sentinel helps you meet it.
Kenya
Proceeds of Crime and Anti-Money Laundering Act (POCAMLA)
Kenya's core AML law: customer due diligence, reporting and records.
Read the summary National Counter Terrorism Centre and the FRC, with sector supervisorsPrevention of Terrorism Act, 2012
Sanctions screening and asset-freezing duties.
Read the summary Office of the Data Protection Commissioner (ODPC)Data Protection Act, 2019
How identity data, selfies and biometrics may be collected, used and kept.
Read the summary Central Bank of Kenya (CBK)Banking Act and CBK Prudential Guidelines
Licensing and KYC standards for banks, digital banks and their partners.
Read the summary Central Bank of Kenya (CBK)National Payment System Act and Regulations
Authorisation and customer, agent and merchant checks for payment providers.
Read the summary Central Bank of Kenya (CBK)CBK (Digital Credit Providers) Regulations, 2022
Licensing, KYC, pricing and debt-collection rules for lending apps.
Read the summary Sacco Societies Regulatory Authority (SASRA)Sacco Societies Act, 2008
SASRA licensing, governance and AML supervision for SACCOs.
Read the summary Commissioner for Cooperative Development and county governmentsCo-operative Societies Act (Cap. 490)
Registration, member registers and oversight for cooperatives.
Read the summary Capital Markets Authority (CMA) and Central Bank of Kenya (CBK)Virtual Asset Service Providers Act, 2025
Licensing and AML rules for crypto exchanges and wallets.
Read the summaryUnited States
Regulations blog
Latest analysis
Kenya and the FATF grey list: what it means for onboarding
Why increased monitoring raises the bar for customer due diligence at banks, SACCOs, PSPs and fintechs, and what a defensible onboarding record looks like.
Read the article 23 October 2026 · 4 min readDigital lenders in Kenya: identity, licensing and data protection
Lending apps now sit under CBK licensing and active data protection enforcement. Here is what that means for identity checks in the loan flow.
Read the article 23 October 2026 · 4 min readDeepfakes and remote onboarding: what a liveness check has to prove
Face-swap video and replay attacks are now cheap. What institutions should expect from liveness and document checks, and why the record matters as much as the result.
Read the articleCompliance in practice / Sentinel
Run KYC, KYB and AML screening in Sentinel, with the evidence and the reviewer's decision recorded for every customer.
General information, not legal advice. Last reviewed October 2026. Requirements change, so confirm the current position with the regulator or your counsel before relying on it.