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Non-Deposit-Taking Credit Providers Regulations 2025 readiness, KES 20M two-tier threshold, reporting, conduct, and capital controls
Regulatory calendar read is unavailable. CBK reporting read is unavailable. The dashboard keeps live-read gaps visible and uses configured readiness defaults only where no projection field exists.
| Requirement | Minimum | Current | Buffer / ratio | Stress test result | Status |
|---|---|---|---|---|---|
Minimum paid-up capital Tier 1 KES 10M / Tier 2 KES 20M | Ksh 20,000,000 | Ksh 45,000,000 | 125.0% | Pass - buffer remains above threshold | met |
CBK CAR ratio Read from CBK capital component where available | 14.5% | 18.4% | 3.9% | Pass - CAR remains above minimum | met |
| Return | Cadence | Due date | Submission status | Download last submission |
|---|---|---|---|---|
Portfolio and lending activity return NDTCP readiness calendar | Monthly | 31 Jul 2026 | overdue | No submitted file |
Capital adequacy and liquidity return NDTCP readiness calendar | Quarterly | 15 Aug 2026 | overdue | No submitted file |
Pricing, fees, and disclosure return NDTCP readiness calendar | Quarterly | 31 Aug 2026 | pending | No submitted file |
Complaints and redress return NDTCP readiness calendar | Monthly | 25 Jul 2026 | overdue | No submitted file |
Debt collection conduct return NDTCP readiness calendar | Monthly | 25 Jul 2026 | overdue | No submitted file |
Annual audited financials and transparency report NDTCP readiness calendar |
APR, all fees, penalty charges, and total cost of credit are shown before acceptance.
Open evidenceAcceptance records preserve the three-day cooling-off window and withdrawal route.
Open evidenceCollections scripts, dignity queue, and dispatch controls evidence collector conduct.
Open evidenceCustomer dignity and redress queues track acknowledgement, investigation, closure, and escalation.
Open evidenceRegulatory command center holds supervisory commitments, evidence packs, and escalation ownership.
| NDTCP requirement | Current Situ capability | RAG status | Gap / next action | Owner |
|---|---|---|---|---|
| Two-tier licence or registration classification | Tier 2 >=KES 20M derived from Ksh 870,000,000 portfolio | GREEN | Classification rule is represented in this dashboard. | Regulatory operations |
| CBK licence status and renewal evidence | Regime register does not evidence active licence status | AMBER | Attach licence number, grant date, conditions, and CBK relationship manager assignment. | Company secretary |
| Minimum paid-up capital and capital adequacy | Paid-up capital and CAR are above configured thresholds | GREEN | Continue monthly stress evidence. | Finance control |
| Mandatory NDTCP returns and submission evidence | One or more mandatory returns are overdue | RED | Submit overdue returns and attach acknowledgement references. | Regulatory reporting |
| Market conduct obligations | 2 conduct controls require evidence hardening | AMBER | Close cooling-off, collections-code, or evidence-routing gaps. | Conduct risk |
| ODPC consent and automated-decision safeguards |
| Annual |
| 31 Dec 2026 |
| pending |
| No submitted file |
| ODPC command center and section 35 override queue route are available |
| GREEN |
| Keep automated-decision human-review evidence joined to consent records. |
| Data protection officer |