Licensing
Digital lenders must be licensed by the CBK before lending.
All regulations
Kenya / Central Bank of Kenya (CBK)
CBK (Digital Credit Providers) Regulations, 2022
The CBK (Amendment) Act, 2021 brought digital lenders under CBK licensing, and these regulations set the rules for how they operate. The Business Laws (Amendment) Act, 2024 later widened CBK oversight to non-deposit-taking credit providers more broadly.
Who it applies to
Industries
Key requirements
Know the borrower
Identify and verify borrowers, and comply with AML law.
Fair pricing and disclosure
Disclose the full cost of credit and follow CBK pricing rules.
Ethical debt collection
No threats, and no use of a borrower's contacts to pressure them.
How Sentinel helps
- ID and liveness checks inside the loan sign-up flow.
- Screening before the first disbursement.
- A record of each check to answer disputes and CBK reviews.
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.