# Does a small or sole-practitioner UAE real estate brokerage have the same AML obligations as a large firm? **URL:** \ **Category:** UAE\ **Tags:** compliance, real-estate, aml\ **Created:** [July 28, 2026, 9:21am UTC](https://www.amlfaqs.com/t/does-a-small-or-sole-practitioner-uae-real-estate-brokerage-have-the-same-aml-obligations-as-a-large-firm/1256 "2026-07-28T09:21:41Z")\ **Posts on this page:** 4\ **Page:** 1
**Author:** ![Monika](https://yyz2.discourse-cdn.com/flex010/user_avatar/www.amlfaqs.com/monika/32/200_2.png) [@Monika](https://www.amlfaqs.com/u/Monika)\ **Post date:** [July 28, 2026, 9:21am UTC](https://www.amlfaqs.com/t/does-a-small-or-sole-practitioner-uae-real-estate-brokerage-have-the-same-aml-obligations-as-a-large-firm/1256/1 "2026-07-28T09:21:41Z")
Yes. The AML/CFT obligations under UAE law apply to a real estate broker because of the activity carried out, not the size of the business. A sole practitioner or small brokerage that concludes purchase and sale transactions for clients is a Designated Non-Financial Business or Profession and must register on goAML, appoint an AML compliance officer, conduct an enterprise-wide risk assessment, perform customer due diligence, screen against sanctions lists, file REAR and suspicious transaction reports, and keep records for five years. What can scale with size is how the controls are implemented. The risk-based approach lets a small firm design proportionate policies and procedures rather than replicate the compliance function of a large agency, provided the core obligations are met. A sole practitioner may combine the compliance officer role with their own duties, but the substantive obligations, and the penalties for failing them, are the same. Supervisors expect proportionate but genuine controls, not the absence of controls. **Legal Reference (UAE):** - [Federal Decree-Law No. 10 of 2025](https://rulebook.centralbank.ae/en/rulebook/federal-decree-law-no-10-2025-regarding-anti-money-laundering-and-combating-financing), Article 20: no person may carry out DNFBP activities without registration or licensing from the competent authority. - [Federal Decree-Law No. 10 of 2025](https://rulebook.centralbank.ae/en/rulebook/federal-decree-law-no-10-2025-regarding-anti-money-laundering-and-combating-financing), Article 19(1)(a): obliged entities must assess and manage their risk using a risk-based approach. _For more details, consult the full text of the cited law or seek guidance from your AML compliance officer._ [AML regulations for real estate agents and brokers in the UAE](https://amluae.com/aml-regulations-for-real-estate-agents-in-uae/) ---
**Author:** ![pathik](https://yyz2.discourse-cdn.com/flex010/user_avatar/www.amlfaqs.com/pathik/32/5_2.png) [@pathik](https://www.amlfaqs.com/u/pathik)\ **Post date:** [July 28, 2026, 9:21am UTC](https://www.amlfaqs.com/t/does-a-small-or-sole-practitioner-uae-real-estate-brokerage-have-the-same-aml-obligations-as-a-large-firm/1256/2 "2026-07-28T09:21:42Z")
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**Author:** ![Monika](https://yyz2.discourse-cdn.com/flex010/user_avatar/www.amlfaqs.com/monika/32/200_2.png) [@Monika](https://www.amlfaqs.com/u/Monika)\ **Post date:** [September 10, 2026, 12:24am UTC](https://www.amlfaqs.com/t/does-a-small-or-sole-practitioner-uae-real-estate-brokerage-have-the-same-aml-obligations-as-a-large-firm/1256/3 "2026-09-10T00:24:50Z")
Yes. The obligations attach to the activity, not to the size of the firm. A sole practitioner concluding transactions or settlements on behalf of customers relating to the purchase or sale of real estate is a DNFBP in the same way a large brokerage is. What scales is the response, not the duty. Internal policies, controls and procedures must be proportionate to the identified risks and to the nature and size of the activities, which gives a small brokerage room to run a simpler framework. But the required elements remain: customer due diligence measures, procedures for reporting suspicious transactions, compliance management arrangements including a compliance officer at management level, employee screening for fitness and propriety, capability-building programmes, and an independent audit function to test whether the controls work. **Legal Reference (UAE):** · [Cabinet Resolution No. 134 of 2025](https://rulebook.centralbank.ae/en/rulebook/cabinet-resolution-no-134-2025-regarding-executive-regulations-federal-decree-law-no-10), Article 21: internal policies proportionate to the identified risks and the nature and size of activities, with six named minimum contents. · [Cabinet Resolution No. 134 of 2025](https://rulebook.centralbank.ae/en/rulebook/cabinet-resolution-no-134-2025-regarding-executive-regulations-federal-decree-law-no-10), Article 3(2): real estate brokers and agents are DNFBPs on the activity, regardless of firm size. _For more details, refer to the Executive Regulations or seek guidance from your AML compliance officer._ [AML policy template for real estate agents and brokers](https://amluae.com/aml-policy-template-for-real-estate-agents-and-brokers-in-uae/) ---
**Author:** ![Monika](https://yyz2.discourse-cdn.com/flex010/user_avatar/www.amlfaqs.com/monika/32/200_2.png) [@Monika](https://www.amlfaqs.com/u/Monika)\ **Post date:** [September 27, 2026, 2:01pm UTC](https://www.amlfaqs.com/t/does-a-small-or-sole-practitioner-uae-real-estate-brokerage-have-the-same-aml-obligations-as-a-large-firm/1256/4 "2026-09-27T14:01:16Z")