The Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan published January 2026 statistics on complaints from individuals and legal entities related to financial institutions and collection agencies, covering 15.6 thousand appeals, up 3.9% from December 2025. It also reported a 35% decline in appeals linked to fraud, which it associated with a package of measures including a mandatory “decision-making period” for online lending, expanded functionality and membership of the Anti-Fraud Center, strengthened biometric identification procedures, and ongoing public information work via social networks and the Fingramota.kz portal. Banks accounted for 61.4% of the appeals reviewed, microfinance organisations for 27.2% and other organisations for 11.4%. By topic, 57% related to regulating debt arrears, 11% to explaining legislation and 7% to consultations on various issues. For established violations of Kazakhstan’s legislation, the Agency applied 14 recommendatory supervisory response measures and imposed six administrative fines under six protocols totalling KZT 2.9 million, including seven measures for banks, seven measures and five fines for insurance (reinsurance) organisations, and one fine for collection agencies. Separately, the Agency reported implementation of its mortgage housing loan refinancing programme across three tracks: as of 1 February 2026, banks had refinanced 33.2 thousand loans totalling KZT 212.1 billion (mortgages originated in 2004–2020), converted or refinanced 16.1 thousand foreign-currency mortgages totalling KZT 114.3 billion (issued before 1 January 2016), and provided additional financial support measures totalling KZT 101.0 billion to 10.6 thousand borrowers, including debt reduction, preferential repayment schedules and returning sole housing held on banks’ balance sheets to borrower ownership.

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