{"id":578913,"date":"2023-01-18T04:02:59","date_gmt":"2023-01-18T04:02:59","guid":{"rendered":"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/"},"modified":"2023-01-18T04:02:59","modified_gmt":"2023-01-18T04:02:59","slug":"new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers","status":"publish","type":"post","link":"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/","title":{"rendered":"New FRA regulations aim to help insulate ins. companies from credit risk of borrowers"},"content":{"rendered":"<p><a class=\"content-anchor\" id=\"tldr-story-05\"><\/a> <strong>FRA <\/strong><strong>hands down<\/strong><strong> new regulations controlling ins. against credit risks:<\/strong> The Financial Regulatory Authority (FRA) has issued new regulations designed to mitigate credit risk for ins. companies, it said in <a href=\"https:\/\/bit.ly\/3GKMtGZ\">a statement<\/a> on Monday. The amendments aim to encourage lenders to run background checks on borrowers before granting them loans and reduce ins. companies\u2019 exposure to credit risk.<\/p>\n<p><strong>Transferring risk:<\/strong> Under the regulations, lenders will be required to take a 25% haircut on any debts owed by a borrower who defaults. This will reduce the insurer\u2019s risk, leaving them responsible for paying only 75% of the unpaid debt.<\/p>\n<p><strong>Ins. companies will not be able to insure borrowers against credit risk except after the following:<\/strong><\/p>\n<ul>\n<li>Preparing independent financial accounts for credit ins. and separating them from accident ins;<\/li>\n<li>Looking into the borrower\u2019s credit score before insuring them;<\/li>\n<li>Distributing risk by linking up with more than one FRA-approved reins. company.<\/li>\n<\/ul>\n<p><strong>Better regulations to come: <\/strong>The Ins. Federation of Egypt will work to issue unified regulations for credit ins. issuers. The rules will give ins. providers the right to cancel or decline coverage in case the lender violates the policies implemented before lending, loan reviews, or credit approval, or if the lender amends its policies mid-loan with the ins. firm\u2019s written approval.<\/p>\n<p><strong>A blacklist for defaulters: <\/strong>The regulations also entail establishing an online platform that includes a list of borrowers who have defaulted on their loans, which would be distributed among all ins. providers to check with before onboarding new credit ins. clients.<\/p>\n<p><strong>REMEMBER- <\/strong>Back in late 2019, the <a href=\"https:\/\/enterprise.press\/stories\/2019\/02\/13\/egypts-fra-makes-insurance-mandatory-for-microfinance-provider\/\">FRA<\/a><a href=\"https:\/\/enterprise.press\/stories\/2019\/02\/13\/egypts-fra-makes-insurance-mandatory-for-microfinance-provider\/\">introduced<\/a> mandatory life ins. in micro- and SME finance, forcing microfinance and SME finance players to provide ins. coverage for their borrowers. The contracts pay out an amount equivalent to the loans in the event of death or severe disability of borrowers, and lenders are not allowed to mark up the cost of the coverage.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>FRA hands down new regulations controlling ins. against credit risks: The Financial Regulatory Authority (FRA) has issued new regulations designed to mitigate credit risk for ins. companies, it said in a statement on Monday. The amendments aim to encourage lenders to run background checks on borrowers before granting them loans and reduce ins. companies\u2019 exposure [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":578914,"comment_status":"closed","ping_status":"open","sticky":false,"template":"single-feature.php","format":"standard","meta":{"_acf_changed":false,"newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","ep_exclude_from_search":false,"_primary_brand":0,"newspack_featured_image_position":"","newspack_post_subtitle":"","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[8614],"tags":[7106,72,76,181,595,871],"brand":[],"newspack_spnsrs_tax":[],"class_list":["post-578913","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-regulation-watch","tag-debt","tag-enterpriseam","tag-financial-regulatory-authority","tag-insurance","tag-non-banking-financial-services","tag-regulation-watch","wpautop","entry"],"acf":{"mongo_id":"3743276d-f94b-4c99-ba6f-4f18dc491b40","is_powered_by":true,"story_type":"1","photo_url":"https:\/\/ent.news\/2023\/1\/302.jpg","photo_position":"above","related_issue":[578899],"teaser":"","voice_url":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>New FRA regulations aim to help insulate ins. companies from credit risk of borrowers - EnterpriseAM Egypt<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"New FRA regulations aim to help insulate ins. companies from credit risk of borrowers\" \/>\n<meta property=\"og:description\" content=\"FRA hands down new regulations controlling ins. against credit risks: The Financial Regulatory Authority (FRA) has issued new regulations designed to mitigate credit risk for ins. companies, it said in a statement on Monday. The amendments aim to encourage lenders to run background checks on borrowers before granting them loans and reduce ins. companies\u2019 exposure [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/\" \/>\n<meta property=\"og:site_name\" content=\"EnterpriseAM Egypt\" \/>\n<meta property=\"article:published_time\" content=\"2023-01-18T04:02:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/ent.news\/2023\/1\/302.jpg?fit=%2C&ssl=1\" \/>\n<meta name=\"author\" content=\"enterpriseam admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"enterpriseam admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/\"},\"author\":{\"name\":\"enterpriseam admin\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#\/schema\/person\/ca597032db7e4db868359c123cec256d\"},\"headline\":\"New FRA regulations aim to help insulate ins. companies from credit risk of borrowers\",\"datePublished\":\"2023-01-18T04:02:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/\"},\"wordCount\":326,\"publisher\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/#organization\"},\"image\":{\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/i0.wp.com\/ent.news\/2023\/1\/302.jpg?fit=%2C&ssl=1\",\"keywords\":[\"debt\",\"EnterpriseAM\",\"Financial Regulatory Authority\",\"insurance\",\"non-banking financial services\",\"regulation watch\"],\"articleSection\":[\"REGULATION WATCH\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/\",\"url\":\"https:\/\/enterpriseam.com\/egypt\/2023\/01\/18\/new-fra-regulations-aim-to-help-insulate-ins-companies-from-credit-risk-of-borrowers\/\",\"name\":\"New FRA regulations aim to help insulate ins. companies from credit risk of borrowers - 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The\u2026","rel":"","context":"In &quot;DEBT WATCH&quot;","block_context":{"text":"DEBT WATCH","link":"https:\/\/enterpriseam.com\/egypt\/category\/debt-watch\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/2022\/2\/114.jpg?fit=%2C&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":660471,"url":"https:\/\/enterpriseam.com\/egypt\/2025\/02\/12\/fra-revises-guidelines-governing-ins-firms-investments\/","url_meta":{"origin":578913,"position":2},"title":"FRA revises guidelines governing ins. firms\u2019 investments","author":"enterpriseam admin","date":"12 February 2025","format":false,"excerpt":"New rules introduce new investment requirements for ins. and reins. players","rel":"","context":"In &quot;REGULATION WATCH&quot;","block_context":{"text":"REGULATION WATCH","link":"https:\/\/enterpriseam.com\/egypt\/category\/regulation-watch\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/2024\/10\/1019.jpg?fit=%2C&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":578429,"url":"https:\/\/enterpriseam.com\/egypt\/2022\/12\/28\/fra-eases-borrowing-limits-on-home-loans\/","url_meta":{"origin":578913,"position":3},"title":"FRA eases borrowing limits on home loans","author":"enterpriseam admin","date":"28 December 2022","format":false,"excerpt":"The FRA is easing credit limits for homebuyers: The Financial Regulatory Authority has loosened income requirements for mortgage lenders in a move designed to boost lending and help people purchase homes amid rising house prices. In a statement yesterday, the regulator said that it had raised the income \/ installment\u2026","rel":"","context":"In &quot;REGULATION WATCH&quot;","block_context":{"text":"REGULATION WATCH","link":"https:\/\/enterpriseam.com\/egypt\/category\/regulation-watch\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/2022\/12\/577.jpg?fit=%2C&ssl=1&resize=350%2C200","width":350,"height":200},"classes":[]},{"id":559964,"url":"https:\/\/enterpriseam.com\/egypt\/2021\/02\/10\/no-self-dealing-in-the-ins-industry-fra-says\/","url_meta":{"origin":578913,"position":4},"title":"No self-dealing in the ins. industry, FRA says","author":"enterpriseam admin","date":"10 February 2021","format":false,"excerpt":"Major shareholders of ins. companies can\u2019t also be major clients: Property and liability ins. companies will be restricted in how much business they can do with their principal shareholders under a recent decision from the Financial Regulatory Authority (FRA). Shareholders will now only be able to account for 10% of\u2026","rel":"","context":"In &quot;REGULATION WATCH&quot;","block_context":{"text":"REGULATION WATCH","link":"https:\/\/enterpriseam.com\/egypt\/category\/regulation-watch\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/internal\/536550.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]},{"id":600900,"url":"https:\/\/enterpriseam.com\/egypt\/2019\/02\/13\/egypts-fra-makes-insurance-mandatory-for-microfinance-provider\/","url_meta":{"origin":578913,"position":5},"title":"Egypt\u2019s FRA makes insurance mandatory for microfinance provider","author":"enterpriseam admin","date":"13 February 2019","format":false,"excerpt":"REGULATION WATCH- FRA makes insurance mandatory in micro- and SME finance: The Financial Regulatory Authority (FRA) is forcing microfinance and SME finance players to provide insurance coverage for their borrowers, the authority said in a statement (pdf). The contracts will pay out an amount equivalent to the loans in the\u2026","rel":"","context":"In &quot;Speed Round&quot;","block_context":{"text":"Speed Round","link":"https:\/\/enterpriseam.com\/egypt\/category\/speed-round\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/ent.news\/internal\/536550.png?resize=350%2C200&ssl=1","width":350,"height":200},"classes":[]}],"_links":{"self":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts\/578913","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/comments?post=578913"}],"version-history":[{"count":0,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/posts\/578913\/revisions"}],"acf:post":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/issue\/578899"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/media\/578914"}],"wp:attachment":[{"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/media?parent=578913"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/categories?post=578913"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/tags?post=578913"},{"taxonomy":"brand","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/brand?post=578913"},{"taxonomy":"newspack_spnsrs_tax","embeddable":true,"href":"https:\/\/enterpriseam.com\/egypt\/wp-json\/wp\/v2\/newspack_spnsrs_tax?post=578913"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}