Banks in Uzbekistan ordered to check interest and penalties charged on loans
До 10 декабря внутренний аудит банков должен проверить кредиты, по которым суд уже вынес решение о взыскании задолженности, и выявить случаи незаконных начислений.
Uzbekistan is tightening oversight of borrowers' rights. Under Part 3 of Article 744 of the Civil Code, once a court has ruled to recover a loan debt, interest, fines and penalties must stop being charged on the amount set out in the ruling.
This means that after a court ruling the debt must not grow through new interest and penalty charges.
The Central Bank's Banking Supervision Committee has obliged the supervisory boards and management boards of commercial banks to ensure full compliance with this requirement.
Banks' internal audit services must check loans subject to court rulings by 10 December 2026 and make sure that interest and penalty charges were stopped. The results of the checks and any violations found must be reviewed by the banks' supervisory and management boards.
If interest or penalties were charged unlawfully, banks must cancel them and promptly refund any amounts already collected to borrowers.
In addition, bank management boards must submit detailed reports on the work done and the money returned, with supporting documents, to the Central Bank by 25 December 2026.
Borrowers facing such a situation can contact the Central Bank's contact centre on 71 200-00-44 or use the «Bankda nima gap?» Telegram bot.
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