President Mirziyoyev signed amendments to the Advertising Law on November 10 requiring banks to warn of financial risks in advertisements for loans and microloans.
The warning must state that failure to meet debt obligations may entail financial risks, and must occupy at least 10% of the main area and airtime of the advertisement.
The amendments also formally classify information aimed at raising public awareness of insurance as social information.
The law has taken effect, but the risk warning requirement will apply three months after the law’s publication.
During Senate discussion in August, the need for the measures was linked to growth in household lending and debt burden.
According to Central Bank data, the number of microloan recipients at commercial banks reached nearly 2.7 million as of January 1, 2026, up 37% over the year. The average number of microloan contracts per borrower rose from 1.7 to 1.9.
