Regulatory Bodies In Kenya
Banking Legislation and Guidelines
The Central Bank of Kenya is in various ways guided by the following pieces of legislation:
- Constitution of Kenya 2010
- Central Bank of Kenya Act (2015)
- Banking Act (2015)
- Microfinance Act (2006)
- The National Payment System Act (2011)
- Kenya Deposit Insurance Act 2012
          Regulations and Guidelines Pursuant to the Banking Act (Cap 488)
Regulations and Guidelines issued by the Central Bank of Kenya subject banks to certain requirements, restrictions and guidelines. This regulatory structure creates transparency between banking institutions and the individuals and corporations with whom they conduct business, among other things.
Given the interconnectedness of the banking industry and the reliance that the national (and global) economy hold on banks, it is important for regulatory agencies to maintain control over the standardized practices of these institutions. The objectives of these regulations are:
- Prudential—to reduce the level of risk to which bank creditors are exposed (i.e. to protect depositors)
- Systemic risk reduction—to reduce the risk of disruption resulting from adverse trading conditions for banks causing multiple or major bank failures
- Avoid misuse of banks—to reduce the risk of banks being used for criminal purposes, e.g. laundering the proceeds of crime
- To protect banking confidentiality Credit allocation—to direct credit to favoured sectors to provide the best customer service in this competitive age.
Source :CBK
Finance EA

Kenya Mortgage Refinance Company Plc (KMRC)
Mortagage Finance27th Floor, UAP Old Mutual Tower, Upperhill Road, Upperhill, Nairobi.
Kenya Deposit Insurance Corporation (KDIC )
Regulator17th Floor UAP Old Mutual Towers, Upper hill P.O. Box 45983-00100,Nairobi, Kenya.
Insurance Regulatory Authority (IRA)
RegulatorInsurance Regulatory Authority (IRA) P.O BOX 43505 - 00100 NAIROBI Zep- Re Place Longonot Road - Upper Hill, Nairobi Complain: complaints@ira.go.ke Website: http://www.ira.go.ke
Retirement Benefits Authority (RBA)
RegulatorRetirement Benefits Authority Rahimtulla Tower, 13th Floor, Upper Hill Road, Opp UK High Commission. P.O. Box 57733 - 00200 Nairobi, Kenya.
Kenya School of Monetary Studies (KSMS)
RegulatorKenya School of Monetary Studies, Mathare North Road, Off Thika Super Highway (exit 6). P.O. Box 65041-00618 Nairobi, Kenya.
Unclaimed Financial Assets Authority (UFAA)
RegulatorAddress: Pacis Centre, 2nd Floor, Slip Road, Off Waiyaki Way, Westlands, Nairobi P.O Box : 28235-00200, Nairobi Kenya
Kenya Bankers Association (KBA)
RegulatorAddress Kenya Bankers Association 13th Floor, International House Mama Ngina Street P.O.Box 73100 - 00200 Nairobi Kenya
Central Bank of Kenya (CBK)
RegulatorP.O Box 60000 – 00200, Nairobi, Kenya Website : https://www.centralbank.go.ke/ Governor : Dr Patrick Njoroge
Nairobi Stock Exchange (NSE)
Regulator55 Westlands Road, P O Box 43633 00100 Nairobi KENYA PHONE: +254 20 2831000 / +254 (020) 222 4200 FAX: +254 20 2224200 MOBILE: +254 0733 222 007 WEBSITE: http://www.nse.co.ke
Central Depository & Settlement Corporation (CDSC)
RegulatorNation Center, 10TH Floor, Kimathi Street P.O. BOX 3464-00100 GPO Nairobi Kenya +254 (020) 2912000 (0724) 256130 / (0733) 222033
Capital Markets Authority (CMA)
RegulatorTel: +254 20 2264000/ 2264900 / 2221869 Cell: +254 722 207767 | Website: www.cma.or.ke