UAE Ministry of Education Attendance and Assessment Policy Explained

UAE Ministry of Education Attendance and Assessment Policy Explained

Introduction

A new wave of concern has rippled through UAE parents after reports of strict attendance rules circulated in national headlines. Stories mentioned students potentially repeating a year after fifteen unexcused absences, or absences before and after holidays being counted as double.

This article explains what the Ministry of Education (MoE) policy actually says, who it applies to, and what it really means for parents and schools across the UAE — especially those in Dubai.

Summary

The Ministry of Education (MoE) recently approved what many media outlets referred to as a “new attendance circular.” However, there is no official circular published on the MoE’s website or in the federal legal portals.

What does exist is the MoE’s Student Assessment Policy Guide (2025–2026), a document outlining grading, attendance, and promotion standards for government and MoE-curriculum private schools. Within it, one line under the promotion policy states:

“Students who have more than 15 unexcused absences during the academic year shall not be promoted. Fridays and the two days before or after official holidays are counted as two days.”

This single clause seems to have been the source of the recent headlines. Media outlets combined this rule with broader attendance narratives, creating the impression of a sweeping new circular. In reality, the policy is not new, and its enforcement depends on the type of school your child attends.

To understand that distinction, it’s important to know the roles of the Ministry of Education (MoE) and the Knowledge and Human Development Authority (KHDA).

Importance and Impact

The MoE governs all federal public schools and MoE-curriculum private schools across the UAE. It sets the national framework for attendance, grading, and promotion.

In contrast, the KHDA, which operates under the Government of Dubai, regulates private and international schools within Dubai. It functions independently from the MoE but aligns with national standards where appropriate.

This structure means that not every MoE directive automatically applies to Dubai private schools. KHDA reviews federal policies and adapts them for Dubai’s private education landscape.

For parents and schools, this distinction matters greatly. The MoE’s rules directly bind public schools and MoE-curriculum institutions, but private schools under KHDA have greater flexibility. They’re primarily assessed on attendance rates, not on punitive absence thresholds.

The impact of this policy discussion is twofold:

  • It has prompted schools to review and clarify their own attendance policies.
  • It has reassured parents that missing a few days around the holidays will not trigger drastic penalties in most Dubai private schools.

Key Provisions of the Policy

The MoE’s Student Assessment Policy Guide outlines several key principles relevant to attendance and promotion:

  1. Attendance and Promotion Link
    Students with over fifteen unexcused absences in an academic year may not be promoted to the next grade. This applies primarily to federal and MoE-curriculum schools.
  2. Counting Absences Around Holidays
    Fridays and the days before or after official holidays count as two days of absence. This rule was designed to discourage families from extending holidays without authorization.
  3. Application Scope
    • Government Schools: Fully bound by MoE circulars and guides.
    • Private Schools (Outside Dubai): Supervised by the MoE or regional education zones; must comply with federal attendance standards.
    • Private Schools in Dubai: Governed by KHDA, which may adopt MoE principles but with flexibility.
  4. KHDA Attendance Expectations
    KHDA benchmarks schools by overall attendance rate, not by number of unexcused absences.

    Attendance Rate
    Rating
    98%
    Outstanding
    96%
    Very Good
    94%
    Good
    92%
    Acceptable
    Below 92%
    Intervention Required

    Each school must have its own attendance and absence-tracking policy under KHDA oversight.

  5. ADEK and Other Emirates
    In Abu Dhabi, the Abu Dhabi Department of Education and Knowledge (ADEK) performs a similar function — regulating schools within its jurisdiction while referencing MoE standards.

In short, the MoE sets the national framework, but each emirate applies it through its own education authority.

Penalties

Contrary to many headlines, there is no new penalty circular targeting parents. The only legally enforceable penalties arise in extreme cases under Federal Law No. 3 of 2016 (Wadeema Law) — the UAE’s Child Rights Law.

Under this law:

  • Deliberately depriving a child of education can constitute child neglect.
  • Such cases can be referred to child protection authorities or prosecutors, but only when there is clear evidence of ongoing educational deprivation.

For ordinary absenteeism — such as family travel or illness — schools handle matters internally through warning letters, academic consequences, or parent meetings.

The goal is responsibility, not reprimand.

Reporting Concerns

If parents or schools encounter disputes over attendance or promotion decisions:

  • For MoE-regulated schools, inquiries can be raised through the Ministry of Education portal.
  • For KHDA schools, concerns can be reported via the KHDA website under Contact Us → Feedback.
  • In serious cases involving child welfare or suspected neglect, reports may be made to the Child Protection Unit hotline 800111, established under the Wadeema Law.

How LYLAW Can Help

Navigating UAE education regulations can be confusing, especially when policies vary between federal and emirate authorities.

LYLAW, a top law firm in Dubai led by Ludmila Yamalova, provides expert legal guidance on UAE education laws, parent-school disputes, and child protection matters. The firm’s long-standing experience across civil, family, and administrative law enables clients to understand their rights and obligations clearly.

The Ultimate Guide to Debt Collection Regulations in the UAE

Debt Collection Regulations in the UAE

Introduction

Debt collection often sounds intimidating, especially when you’re on the receiving end of persistent calls or late-payment notices. But here’s the truth: debt collection is legal in the UAE,  harassment is not.

This article breaks down everything you need to know about debt collection laws in the UAE, including what banks and agencies can and cannot do, what your rights are as a consumer, and how to take action if those rights are violated.

By the end, you’ll understand the full landscape, from Central Bank regulations to consumer protection remedies, so you can stay informed, confident, and protected.

Summary

Debt collection in the UAE operates under a detailed legal and regulatory structure governed by the Central Bank of the UAE (CBUAE).

At the core lies Federal Law No. 14 of 2018, which grants the Central Bank the authority to regulate financial institutions. Under this law, the Consumer Protection Regulation (Circular No. 8/2020) and its accompanying Consumer Protection Standards and Rulebook establish how licensed banks, finance companies, and debt collection agents must operate.

These rules are not mere suggestions; they are binding obligations that ensure fairness, transparency, and accountability in how banks deal with consumers, particularly during financial distress.

In short:

  • Banks must follow strict debt collection policies that protect consumers.
  • Consumers have enforceable rights to fair treatment, privacy, and due process.
  • The Central Bank has the authority to investigate and sanction institutions that cross the line.

Together, these frameworks create a balance between legitimate debt recovery and consumer dignity, a balance that defines the UAE’s modern financial system.

Importance and Impact

Debt collection laws in the UAE aren’t only about protecting consumers, they are also about preserving the integrity of the financial sector.

When banks handle collections responsibly, they strengthen public confidence and maintain long-term relationships with clients. When they don’t, they risk penalties, lawsuits, and reputational damage.

For consumers, these regulations are life-changing. They ensure you have:

  • Clear communication from your bank,
  • Time and opportunity to resolve arrears, and
  • Legal protection against intimidation or misconduct.

The result? A financial environment where both sides, lender and borrower, are held to standards of fairness, empathy, and accountability.

Key Provisions of UAE Debt Collection Law

Debt collection in the UAE is guided by Section 5.2.5 of the Central Bank Consumer Protection Rulebook, which outlines exactly how banks and their agents must operate.

1. Written Policies and Early Dialogue

Banks must maintain written procedures for collecting debts and are encouraged to discuss financial difficulties with borrowers before initiating any aggressive action.

2. Mandatory Communication and Notice Periods

If a payment is overdue by 30 days, the bank must reach out to understand the reason. If arrears continue beyond 60 days, the bank must issue a formal written notice including:

  • The start date of arrears,
  • Number and amount of missed payments,
  • Interest or profit rate,
  • Contact information for the collections department, and
  • Consequences of continued non-payment (such as legal action or sale of collateral).

3. Ethical Communication

All communications must be reasonable and non-excessive, limited to approved channels like phone, SMS, email, or registered mail. Banks and agents are prohibited from:

  • Visiting homes or workplaces without consent,
  • Contacting outside 9 AM to 8 PM, or
  • Making repeated calls that amount to harassment.

4. Third-Party Collection Agents

Banks can appoint licensed collection agencies, but they must notify the consumer in writing of the agency’s name, authority, and the exact amount to be collected.
Agencies are legally bound by the same ethical standards as banks and must maintain full transparency and confidentiality.

5. Record Keeping

All communications, from emails to phone calls, must be recorded and retained for at least 5 years after the debt is settled or written off.

6. Data Protection

Under Article 6 of the Consumer Protection Standards, consumer data must be handled with strict confidentiality. Unauthorized disclosure to neighbors, employers, or third parties is prohibited and punishable.

Penalties for Violations

When banks or their agents violate these laws, the consequences can be severe.

Administrative penalties by the Central Bank may include:

  • Monetary fines,
  • Corrective directives,
  • Public reprimands, or
  • Suspension or revocation of licenses.

Criminal penalties may also apply. Under Federal Decree-Law No. 31 of 2021 (Crimes and Penalties Law):

  • Anyone who uses threats or coercion to obtain money or property faces imprisonment and fines.
  • Verbal or implied threats can lead to up to one year in jail or a fine up to AED 10,000.

For consumers, these protections mean one thing: you are not powerless.

Reporting Debt Collection Violations

If you’re being harassed or mistreated by a bank or collection agency, here’s what to do:

  1. File an Internal Complaint with Your Bank
    Every bank in the UAE must have a Consumer Complaints Unit. Submit a written or online complaint. The bank must respond within 30 days, providing a clear, documented outcome.
  2. Escalate to the Central Bank of the UAE
    If the issue remains unresolved, escalate it through the CBUAE Consumer Protection Portal.
    The Central Bank investigates violations and can impose sanctions or financial penalties.
  3. File a Civil Claim
    Under Federal Law No. 42 of 2022 (Civil Transactions Law), you may file a case for defamation, breach of privacy, emotional distress, or financial harm.
  4. Report Criminal Misconduct
    If a collector threatens violence or unlawfully exposes your information, file a police complaint; such acts can amount to criminal offences.
  5. Consult a Legal Professional
    Legal experts can help you navigate complaints, represent you before authorities, and negotiate fair settlements.

How LYLAW Can Help

Navigating debt collection disputes can be complex, but you don’t have to do it alone.

At LYLAW, our experienced legal team represents clients facing unfair or unlawful debt collection in the UAE. We help by:

  • Reviewing your loan agreements and communication records,
  • Drafting formal complaints and escalation documents,
  • Liaising with the Central Bank or relevant authorities, and
  • Pursuing civil or criminal remedies when necessary.

Whether you’re a consumer in distress or a company seeking compliance guidance, LYLAW provides strategic, ethical, and effective legal support tailored to your case. Visit lylawyers.com to learn more or schedule a consultation with our legal team.

Consumer Protection in the UAE Banking Industry: Rights, Remedies, and Relief

Consumer Protection in the UAE Banking Industry

Introduction

Financial hardship can happen to anyone — job loss, unexpected medical bills, or sudden market shifts. But what happens when you fall behind on payments? What protections do you have when banks or debt collectors start calling?

This article breaks down how the UAE protects consumers in the banking sector, what the Consumer Protection Regulation and Rulebook require from banks, and how you can seek help or file complaints if things go wrong.

Whether you’re a borrower under pressure or simply want to understand your financial rights in the UAE, this is your complete guide to the law — made simple.

Summary

The foundation of consumer protection in the UAE banking industry lies with the UAE Central Bank’s Consumer Protection Regulation (2020) and the Consumer Protection Standards and Rulebook (2021), which took full effect in 2023.

These aren’t optional guidelines — they’re binding obligations for every bank and licensed financial institution operating in the UAE. Together, they outline:

  • What banks must do to treat customers fairly, transparently, and responsibly.
  • What consumers are entitled to, including clear communication, privacy, and fair treatment.
  • How disputes are resolved, particularly through Sanadak, the UAE’s Financial Ombudsman.

The Rulebook is built on seven principles:

Principle
Meaning
Fair treatment
Equal and respectful dealings with all consumers
Disclosure and transparency
Clear, complete, and honest information
Data protection
Safeguarding personal and financial data
Responsible lending
Avoiding loans consumers can’t afford
Complaints resolution
Clear, timely handling of grievances
Financial literacy
Helping consumers make informed choices
Market conduct
Promoting ethical, compliant financial behavior

In short — banks have duties, and consumers have rights.

Importance and Impact

These laws have reshaped the UAE’s financial landscape.

Historically, banks held the upper hand in consumer relationships. Today, that balance has shifted. The Central Bank now enforces accountability, transparency, and fairness, ensuring that banks act not as predators, but as partners.

For consumers, this means stronger protection and real recourse. You’re no longer left at the mercy of a bank’s discretion.
For banks, it raises the bar — demanding ethical conduct, transparency, and compliance at every level.

At its heart, this framework strengthens trust — the most valuable currency in any financial system.

Key Provisions

The Consumer Protection Rulebook covers every part of the bank-customer relationship.

What Banks Must Do

Banks in the UAE are now legally required to:

  • Disclose all terms upfront, including fees, interest rates, and conditions.
  • Avoid misleading advertising or hidden charges.
  • Assess affordability before lending, to ensure borrowers aren’t over-extended.
  • Maintain a proper complaints system, acknowledging and resolving issues within defined timelines.
  • Protect client data from misuse or leaks.
  • Treat customers in distress with empathy, not aggression.

They are expressly forbidden from coercive debt collection, and failure to comply is a direct breach of Central Bank regulations.

What Consumers Are Entitled To

Consumers have legally enforceable rights to:

  • Honest information about financial products and risks.
  • Respectful treatment from banks and agents.
  • Privacy protection for their personal and financial data.
  • Access to complaint channels, both internal and via the Central Bank.
  • Freedom from harassment during debt recovery.

If your bank doesn’t resolve your complaint within the required period, you can escalate directly to the Central Bank’s Consumer Protection Department.

Clients in Financial Distress

Under Section 5.2.4 of the Rulebook, banks must support clients facing genuine financial hardship.

This includes:

  1. Debt counselling before or after default.
  2. Respectful communication, avoiding hostility or humiliation.
  3. Transparency in all restructuring terms.
  4. Full disclosure of new repayment fees or conditions.
  5. Written reasoning for any rejected repayment proposal.

Banks must proactively identify and assist struggling clients — not wait for them to fail.

Debt Collection Rules

Article 5.25 of the Consumer Protection Standards regulates debt collection with clear boundaries:

  • No harassment or intimidation.
  • No home or workplace visits without consent or a court order.
  • Contact hours: between 9:00 a.m. and 8:00 p.m. only.
  • No third-party data sharing without consent.

Collection agencies must identify themselves, act only under written authorization from a licensed bank, and provide proof upon request.

Penalties

Violating consumer protection laws isn’t just unethical — it’s criminal.

Under Article 450 of Federal Decree-Law No. 31 of 2021 (Crimes and Penalties Law): Anyone who, through threats, compels another to hand over money or property, faces imprisonment and fines.

If the threat involves defamatory or dishonorable claims, penalties increase.

Article 404 further criminalizes verbal or implied threats, punishable by up to one year’s imprisonment or a fine of AED 10,000.

The UAE Central Bank can also impose administrative actions, including:

  • Monetary fines
  • Public reprimands
  • Corrective directives
  • Revocation of licenses or management replacement

Reporting Consumer Protection Violations

If you’ve been harassed or unfairly treated by a bank or its agents, you have options.

  1. File a complaint with your bank’s internal system first.
  2. If unresolved, contact the Central Bank’s Consumer Protection Department through their official portal.
  3. For escalated disputes, approach Sanadak — the UAE’s Financial Ombudsman Unit.

How to File a Sanadak Complaint

Provide the following details:

  • Your name, Emirates ID, and contact information.
  • The financial institution’s details.
  • A clear description of the issue.
  • Proof of prior communication and rejection.
  • The complaint or case number issued by your bank.

Sanadak will verify your claim, mediate between you and the bank, and issue a decision. You can appeal within 30 days, and banks must comply within 14 days of a final ruling.

How LYLAW Can Help

When it comes to banking and consumer disputes, legal guidance makes all the difference.

At LYLAW, our legal team has deep experience navigating UAE consumer protection laws, representing both individuals and businesses. Whether you’re facing aggressive debt collection, a rejected restructuring proposal, or unclear lending terms, we can:

  • Review your loan and banking documents for legal compliance.
  • Draft formal complaints and escalation letters.
  • Represent you before the UAE Central Bank.
  • Advocate for fair settlements and lawful treatment.

Contact LYLAW today to protect your rights and ensure your case is handled with precision and professionalism.

Setting Up a Crypto Business in the UAE: What You Need to Know

Introduction

The UAE has quickly become one of the most crypto-friendly jurisdictions in the world, but that does not mean it is simple. Setting up a crypto business here involves layers of approvals, strict compliance requirements, and substantial capital commitments.

In this article, you’ll find a clear breakdown of the UAE’s crypto business framework, including its background, why it matters, the key provisions, penalties, reporting obligations, and how LYLAW can help you navigate this complex process.

The UAE Crypto Business Framework Background

Over the past few years, the UAE has introduced headline-grabbing initiatives:

  • An MoU with Crypto.com to enable government fee payments in regulated digital currencies.
  • A pilot project between the Dubai Land Department and VARA to explore real estate tokenisation, which could eventually open property ownership to smaller investors through blockchain.

Despite these moves, crypto in the UAE is highly regulated. To launch a business, you must secure:

  1. commercial license (mainland or free zone).
  2. Emirate-level approval (e.g., VARA in Dubai, DFSA in DIFC, FSRA in Abu Dhabi, RAK DAO in Ras Al Khaimah).
  3. Federal approval (Securities and Commodities Authority or the Central Bank), depending on activities.

This layered system shows why being crypto-friendly does not equal being crypto-easy.

Why the Framework Matters and Its Impact

The UAE’s strict approach serves a clear purpose: protecting the financial system and consumers. Crypto carries risks of fraud, market abuse, and money laundering. Without strong safeguards, trust would collapse.

For businesses and investors, the framework brings both challenges and opportunities:

  • Higher credibility – only serious players get licensed.
  • Consumer confidence – clients know licensed firms meet compliance standards.
  • Market growth – with Dubai and Abu Dhabi positioning themselves as global crypto hubs.

At the same time, the barriers to entry are steep. As of today, only 36 companies are licensed under VARA, highlighting how selective the approval process is.

Key Provisions of the UAE Crypto Business Licensing

Setting up a crypto company in the UAE requires meeting detailed conditions:

  1. Commercial License
    • Issued in a mainland or free zone jurisdiction.
    • Different zones list specific activity codes (e.g., DET, IFZA, DMCC, DIFC, ADGM, RAK DAO).
  2. Regulatory Approval
    • Emirate-level regulators (VARA, DFSA, FSRA, RAK DAO) review business plans, governance, and compliance frameworks.
    • Applicants complete an Initial Disclosure Questionnaire (IDQ) covering shareholders, financial projections, and team experience.
  3. Fit-and-Proper Standards
    • Senior management and shareholders must show integrity, solvency, and relevant crypto or financial services experience.
  4. Governance & Compliance
    • Appointment of a Money Laundering Reporting Officer (MLRO) with at least two years of AML experience.
    • Strong internal controls, KYC/AML policies, IT security, and customer protection procedures are mandatory.
  5. Financial Commitments
    • Minimum capital requirements vary depending on activity.

Here’s a breakdown of typical VARA licensing categories:

Activity
Application Fee
Annual Fee
Indicative Capital Requirement
Advisory
AED 40,000
AED 80,000
AED 100,000
Broker-Dealer
AED 100,000
AED 200,000
AED 400,000 – 600,000+
Custody
AED 100,000
AED 200,000
AED 600,000 or 25% overheads
Exchange
AED 100,000
AED 200,000
AED 800,000 – 1.5m+
Lending & Borrowing
AED 100,000
AED 200,000
AED 500,000 or 25% overheads
Management & Investment
AED 100,000
AED 200,000
AED 280,000 – 500,000
Transfer & Settlement
AED 40,000
AED 80,000
AED 500,000 or 25% overheads

These numbers underline an important reality: crypto licensing in the UAE is a serious financial undertaking.
6. Ongoing Obligations

  1. Regular regulatory reporting.
  2. Maintaining capital adequacy.
  3. Updating compliance frameworks as rules evolve.

Penalties for Non-Compliance

The UAE enforces strict accountability. Penalties may include:

  • Suspension or revocation of licenses.
  • Financial penalties for capital shortfalls or reporting failures.
  • Enforcement actions in cases of fraud, market abuse, or AML breaches.

Reporting and Oversight

Crypto businesses must provide regular compliance reports, ownership disclosures, and operational updates. Oversight may come from:

  • VARA in Dubai.
  • DFSA in DIFC.
  • FSRA in ADGM.
  • SCA at federal level.
  • Central Bank of the UAE for stablecoins, wallets, and payment systems.

In many cases, multiple regulators overlap, which makes strategic legal planning essential.

How LYLAW Can Help

Launching a crypto business in the UAE is not about cutting corners. It demands careful preparation, strong compliance, and expert legal guidance. That is where LYLAW can step in.

Our team can:

  • Help you choose the right jurisdiction and licensing path.
  • Navigate Emirate and federal approvals (VARA, DFSA, FSRA, SCA, Central Bank).
  • Draft compliance policies, governance frameworks, and contracts.
  • Represent you in regulatory dealings or disputes.

With years of experience in UAE financial and regulatory law, LYLAW ensures that your crypto venture is built on solid legal foundations.