Loan and microloan advertising in Uzbekistan must now include a risk warning

Mandatory risk warning

In Uzbekistan, advertising of loans and microloans must now include a warning that failure to fulfill obligations under these services may lead to financial risks. The rule is enshrined in amendments to the Advertising Law adopted on November 10, Gazeta reports. The Senate approved the law itself back on August 7.

What exactly is changing

The amendments supplement Article 43 of the law with a second paragraph reading as follows: advertising of a loan, including a microloan, must contain a warning about possible financial risks in case of failure to fulfill debt obligations, and such a warning must occupy at least 10% of the main area or airtime of the advertisement. This is the first such requirement for financial advertising in the country: previously the law contained no such provisions.

AI-based monitoring

When the law was discussed in the Senate, the Committee for the Development of Competition and Protection of Consumer Rights reported that it is developing a mechanism for monitoring online advertising using artificial intelligence. Deputy Chairman of the committee Ulugbek Davlatov stated that the system is planned to be put into practice starting January 1. According to him, the system should promptly detect, among other things, compliance with the requirement that the warning occupy at least 10% of the advertisement.

Context: growth of microloans

The relevance of the amendments is confirmed by Central Bank statistics: as of January 1, 2026, the number of microloan recipients in commercial banks reached almost 2.7 million people, an increase of 37% over the year. The average number of microloan contracts per borrower rose from 1.7 to 1.9 — meaning more and more people are taking out several loans at the same time. It is this audience that is the main target of microloan advertising, for whom the new risk warning will become a mandatory element of every advertisement.