A new Federal Decree-Law has been issued regulating the Central Bank, financial institutions, financial activities, and insurance operations, marking a significant step toward strengthening the financial sector. The decree aims to ensure broad access to banking and financial services for all segments of society, in line with digital transformation and innovation in financial services. It enhances customer protection by establishing a unified system for handling complaints and resolving disputes between clients, banks, and insurance companies, while introducing proactive measures for early intervention to address any signs of financial deterioration within licensed institutions. Administrative fines have been increased and are now linked to the severity of violations and transaction volumes, potentially reaching up to ten times their value, with mechanisms for automatic enforcement, early settlement options before final rulings, and public disclosure of penalties on the Central Bank’s official website. The decree also reinforces financial stability by safeguarding the national currency, managing the state’s foreign currency reserves prudently, and ensuring the overall resilience of the financial system. Additionally, licensed financial institutions are required to obtain and maintain sufficient guarantees for all types of facilities provided, promoting accountability and risk management across the sector.