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UAE Regulatory Intelligence

DFSA & FSRA compliance.
Plain English.

Alternative asset managers in DIFC and ADGM operate under some of the most rapidly evolving regulatory environments in the world. We monitor both regulators continuously — and translate what changes mean for your firm, not for the financial services industry in general.

Dubai · DIFC

DFSA

Dubai Financial Services Authority

The independent regulator of financial services in the Dubai International Financial Centre. Modelled on international best practice, the DFSA regulates fund managers, investment advisers, banks, and brokers operating under the DIFC's common law framework — entirely separate from UAE onshore regulation.

Abu Dhabi · ADGM

FSRA

Financial Services Regulatory Authority

The financial regulator for the Abu Dhabi Global Market on Al Maryah Island. The FSRA operates under English common law and regulates fund managers, investment dealers, and financial advisers — with a growing focus on digital assets, ESG, and sustainable finance that is reshaping its rulebook.

DFSA · DIFC

What DFSA-regulated
fund managers must navigate

The DFSA Rulebook covers every aspect of a fund manager's regulatory obligations in DIFC — from initial authorisation through to ongoing supervisory expectations. Its framework is sophisticated, principles-based, and evolving faster than most firms' internal monitoring can track.

  • Collective Investment Rules (CIR) — the primary rulebook for DFSA-regulated fund managers, covering fund structure, authorisation, ongoing obligations, and investor protections
  • Conduct of Business (COB) — requirements covering client classification, suitability, disclosure, and fair treatment obligations
  • Prudential requirements — capital adequacy and financial resource obligations specific to the licence category held
  • AML and CFT — obligations under the DFSA AML Rulebook, UAE Federal AML law, and FATF standards, including CDD, EDD, suspicious activity reporting, and MLRO requirements
  • Regulatory reporting — periodic returns, annual audited accounts, PIB returns, and ad hoc notifications to the DFSA
  • DIFC data protection law — DIFC Law No. 5 of 2020, which governs personal data processing by DIFC-registered entities
FSRA · ADGM

What FSRA-regulated
fund managers must navigate

The FSRA has moved quickly to establish ADGM as a leading financial centre — and its rulebook reflects that ambition. Alongside traditional asset management regulation, the FSRA has become the most active Gulf regulator on digital assets and sustainable finance, issuing guidance at a pace that demands continuous monitoring.

  • Financial Services and Markets Regulations (FSMR) — the primary legislation governing regulated activities in ADGM, including fund management, dealing, and advising
  • Conduct of Business Rules (COBS) — client treatment, suitability assessments, disclosure requirements, and conflicts of interest management
  • Prudential — Investment, Insurance and Banking (PRU) — capital adequacy requirements and financial soundness obligations
  • AML and CFT — AML Rules under FSMR, UAE Federal AML legislation, FATF standards, and MLRO obligations including suspicious transaction reporting to the UAE Financial Intelligence Unit
  • Digital and Virtual Assets Framework — the FSRA's Virtual Asset Framework governs crypto asset activities including issuance, exchange, and custody — one of the most developed regulatory frameworks for digital assets globally
  • Sustainable Finance — FSRA guidance on ESG disclosures, sustainable investment products, and climate-related financial risk — a growing area of supervisory focus

What both regulators are
focused on right now

The DFSA and FSRA share a number of supervisory priorities — and in several areas they are aligned with global regulatory trends, which means firms operating across jurisdictions face compounding obligations.

🔍

AML & CFT Enforcement

Both regulators have significantly increased AML and CFT supervisory activity. FATF's assessments of the UAE have driven a step-change in expectations — CDD, EDD, UBO identification, and MLRO resourcing are under active scrutiny.

🌿

ESG & Sustainable Finance

The FSRA in particular has been proactive on ESG disclosure requirements and green finance frameworks. Firms marketing ESG-labelled products in ADGM face increasingly detailed substantiation requirements.

Digital Assets Regulation

The FSRA's Virtual Asset Framework and the DFSA's Investment Token framework are both live and evolving. Any firm involved in crypto assets, tokenised funds, or digital asset custody needs to stay current with both.

🏛️

Senior Management Accountability

Both regulators have strengthened expectations around senior management responsibility, approved person obligations, and governance standards — mirroring the direction of UK SMCR and international equivalents.

🛡️

Operational Resilience

Cyber risk, outsourcing oversight, and business continuity are active supervisory themes in both DIFC and ADGM — particularly for technology-dependent fund management operations.

📋

Regulatory Reporting Quality

Both regulators have raised the bar on periodic return accuracy, timely notification obligations, and management information provided to boards. Errors in regulatory submissions are increasingly resulting in formal supervisory action.

Multi-jurisdiction intelligence
without the noise

01

Continuous monitoring across FCA, DFSA, and FSRA

We monitor all three regulators — not just the FCA. Every consultation, guidance note, supervisory notice, and enforcement action is tracked in real time across all three jurisdictions.

02

Practitioner translation, not legal commentary

Regulatory updates are written by a CCO who has operated under both DFSA and FSRA regulation — not a lawyer writing for a general audience. You get what it means for your firm, not what it says.

03

Cross-jurisdiction impact flagging

When a regulatory change in one jurisdiction has implications for your obligations in another — an FCA consultation that echoes DFSA expectations, for example — we flag the connection explicitly.

04

Horizon scanning built in

Every digest includes forward-looking coverage — consultations open, rule changes coming, and supervisory priorities signalled — so your firm can prepare rather than react.

Jurisdictions Covered
🇬🇧 FCA · UK 🇦🇪 DFSA · DIFC 🇦🇪 FSRA · ADGM

Most compliance intelligence services cover one jurisdiction. Firms operating across the UK and UAE have historically had to subscribe to multiple services and stitch the picture together themselves.

Compliance Intelligence covers all three regulators in a single weekly digest — written from the perspective of a CCO who has operated under all of them.

3
Regulators. One digest. Zero jargon.

Stay ahead of DFSA & FSRA
regulatory change.

Free weekly intelligence covering the FCA, DFSA, and FSRA — written in plain English by a practitioner who has sat in the CCO seat under all three regulators.