The Agency for Regulation and Development of the Financial Market of the Republic of Kazakhstan has introduced mandatory borrower questionnaires for unsecured online consumer loans from Oct. 1, 2026. Before lending, banks and microfinance organizations must screen individual borrowers for signs that fraudsters or other third parties are influencing them to take out a loan and transfer the proceeds. The seven questions cover who suggested the loan, whether the borrower is acting independently, the loan’s purpose, awareness of key contract terms, pressure to complete the transaction, instructions to conceal it and previous calls about protecting money or checking account transactions. Where responses indicate possible fraud or third-party influence, the lender must conduct additional checks and warn the borrower about the risks. It may then enter into the agreement, pause the process until the concerns are resolved or refuse the loan. The screening supplements existing anti-fraud measures, including biometric authentication, a decision-making period for large online loans and consumers’ ability to opt out voluntarily from receiving loans and microcredits.

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