Methodology · Sources & Drafting
How the kit was built

How the kit was built.

The legal framework, the drafting process, the maintenance pledge, and the limits. Compliance work is only as good as its sources — so we name them.

Drafted against

The sources every document cites.

Every document in the Starter Kit is drafted against the current UAE AML/CFT framework, the supervising authority's published guidance, and the relevant international standards. Each document carries a Sources line listing the instruments it implements.

  • Federal Decree-Law No. 10 of 2025 FDL 10/2025 The primary AML/CFT/CPF law. In force 14 October 2025; replaced Law 20/2018.
  • Cabinet Resolution No. 134 of 2025 CR 134/2025 The executive regulations of FDL 10/2025. In force 14 December 2025.
  • Cabinet Resolution No. 71 of 2024 CR 71/2024 The unified DNFBP violations and administrative fines schedule (AED 50,000 to AED 1,000,000 per violation).
  • Cabinet Decision No. 109 of 2023 CD 109/2023 Beneficial-ownership procedures and the 25% control threshold. In force 6 November 2023; replaced Cabinet Decision No. 58 of 2020.
  • Cabinet Decision No. 74 of 2020 CD 74/2020 Sanctions implementation and the UAE Local Terrorist List.
  • Ministerial Decree No. 68 of 2024 MD 68/2024 Due Diligence Regulations for Responsible Sourcing of Gold.
  • Ministry of Economy DPMS Supplemental Guidance Sector-specific operational guidance for Dealers in Precious Metals & Stones.
  • DMCC Guidance Note for Member Companies — AML/CFT DMCC's AML/CFT guidance for member companies, supplementing the federal framework with DMCC-specific operational expectations.
  • DMCC Rules for Risk-Based Due Diligence Supply-chain due-diligence requirements for DMCC members.
  • FATF Risk-Based Approach Guidance for DPMS International standard for risk-based AML in the precious metals sector.
  • FATF Recommendations 1, 10, 11, 22 The foundational standards on national risk, CDD, record-keeping and DNFBPs.
  • OECD Due Diligence Guidance for Responsible Supply Chains The five-step framework for minerals from conflict-affected and high-risk areas.
  • Kimberley Process Certification Scheme For rough-diamond supply.
How it was written

Practitioners, not consultants.

Every document was drafted by practitioners with hands-on DMCC operational experience — the same people who deal with the regulator, the bank and the inspector in real life. Where the law is precise, we cite the article. Where the law leaves discretion, we apply the standard a competent professional would apply.

Each document was structured against real-world DMCC inspection requirements and cross-checked against what UAE banks actually request during DNFBP account opening. The Excel risk matrix carries working formulas, not display values. The training deck is ready to run as your next all-hands.

The whole kit was reviewed for plain-English readability without sacrificing legal precision. Compliance documents that nobody reads are compliance documents nobody follows.

12 months of updates

We keep the kit current.

Compliance frameworks move. Your purchase includes 12 months of free updates from delivery date. We monitor:

  • Ministry of Economy circulars and the MoE DPMS guidance
  • DMCC member guidance updates and Practical Guidance revisions
  • Cabinet Resolution and Cabinet Decision amendments
  • FATF Grey- and Black-list changes
  • UAE Local Terrorist List updates and sanctions notifications

When any of these moves in a way that touches the kit, we reissue the affected documents and email the update to every active subscriber. Each document carries a versioning footer with the date last reviewed and the source it tracks.

Where the kit ends

Honest about the limits.

We sell a product, not a relationship. Here is what the kit does not do — read this before you buy.

  • Not legal advice. The kit reflects current UAE regulatory requirements. Final policies should be reviewed by a UAE-qualified compliance professional before adoption.
  • Not bespoke counsel. Higher-risk firms or unusual structures may need consultant input the kit can't replace. We tell you which firms.
  • Not a substitute for periodic external audit. The kit includes the audit-readiness checklist and the audit ToR template. The audit itself is a separate engagement.
  • Not a one-and-done. Compliance is an ongoing operational practice. The kit gives you the framework. You operate it.
Built · Sourced · Maintained

Built carefully. Sourced openly. Maintained.

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Drafted against FDL 10/2025 · 12 months of free updates · 14-day money-back guarantee.

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