Fintech, payments and customer identification · Regulatory layer

Whistleblowing Channel for Unlicensed Banking and Payment Activity

Introduces an anonymous CBO channel through which the public, market participants and licensed institutions may report suspected unlicensed banking or payment activity.

Material typeOfficial CBO circular

Legal branchFintech, payments and customer identification

Legal layerRegulatory layer

Source languageOfficial English PDF published by the CBO

Review dateSeptember 13, 2026

Document overview

Introduces an anonymous CBO channel through which the public, market participants and licensed institutions may report suspected unlicensed banking or payment activity.

Scope and exclusions

Applies to

The circular is sent to banks, FLCs, money exchange establishments and PSPs, while the channel is described as available to the public and all market participants.

Limitations and exclusions

It is not a substitute for an ordinary consumer complaint, STR, emergency report or a finding that a person is acting unlawfully; scope and the current submission method must be checked on the CBO site.

Official source

CBO Circular BM 1196 · 4 October 2023 · Central Bank of Oman

September 13, 2026

Open official source ↗

This editorial overview explains the instrument's subject and scope but does not replace the authoritative Arabic text or the current consolidated version.

WAWhatsApp TGTelegram