Installment sales under new rules: limits, a Central Bank register and buyer protection

Presidential Resolution No. PP-294 of 14 August 2026 creates the first regulatory framework for the installment market. Non-bank organisations providing installment plans must join the Central Bank's register.

Retailers with a quarterly turnover above 500 million soums whose installment sales make up half or more of sales (except manufacturers) also fall under the regulation.

Limits are set: the purchase price may not exceed 250 BRV, the contract term may not exceed 12 months, and total fees may not exceed half of the annual installment payments. The buyer is guaranteed the right to early repayment without penalties. Selling real estate and goods withdrawn from circulation by installment is prohibited.

The main requirements take effect on 1 January 2027. The goal is to protect consumers and prevent excessive debt burden.

What this means in practice: before buying by installment, check the seller in the Central Bank register and recalculate the overpayment: fees above the limit and early repayment penalties will be open to challenge.

Photo: Stilfehler, Wikimedia Commons (CC BY-SA 4.0)