01
Document overview
Sets conduct rules and standards for products and services supplied to individuals and SMEs, including disclosure, fair treatment, marketing, contracts, complaints, confidentiality and senior-management accountability.
02
Scope and exclusions
Applies to
Applies to licensed banks and finance and leasing companies for individual-consumer and SME products, including deposits, lending, investment and bancassurance offerings.
Limitations and exclusions
Does not replace product rules, AML/KYC, data protection or payment-specific requirements; a particular complaint must be assessed against the contract and current circulars.
04
Official source
CBO Circular BM 1184 · 29 December 2021 · Central Bank of Oman
September 13, 2026
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